Overall Investigation: Rebuttal 5425375. Claim was finalized on 2022-11-01 via ZD #56780195. CH reached out on 2022-11-01 via ZD #56780813 to re-open the claim. Upon further review, CH provided timesheet/evidence via ZD #56784077, 56780813. However, this will consider only as additional info not new info. No merchant credit. No claim cancellation. Reg E claim. **INVESTIGATION**  As per Penny, card was in possession. Online transaction. There is a funding event, typically via Pay Friends transfer. Member has established history with the same sender. Funding events into account frequently receive Pay Friends transfers from the same account exhibiting the same behavior. This suggests that the CH anticipated the funds on the account, the transactions after the funding and the spending capability of the account. Also observed that the CH receive funds from CNC Enid Deposit which directly impacted the disputed amounts. This suggests that the CH has inside knowledged about the account balance and spending capability. Remaining balance after the last auth resulted to $52.95. Disputed transactions are Moto: 7, Entry Mode: 10, no presence of response code 85 from the disputed merchant. Entry mode 10 states that the credential was entered by the CH onset of the payment, response code 85 states no reason to decline a request for account number verification or address verification, indicating that there are no signs of forced entry or fraudulent actions. Deny code 51 observed, however, no suspicious declined transaction with the same merchant during UT claim. No evidence of ATO. No freeze and unfreeze observed. No fraud alert captured during UT claim. Therefore, no error found. FR filed 2273726876, 2273722997, 2273733620, 2273733621, 2273726874, 2273729322, 2273730744, 2273727369, 2273727368, 2273733619, 2273730743, 2273722996. Rebuttal incident #56786286 is now closed. Rebuttal No New Information sent on 2022-11-01 via ZD #56793986. Case closed. This was reinvestigated and found no enough reason to overturn the claim.