The bank's ability to comply with VISA requirements has no bearing on its obligation to investigate a claim under Reg E. If you do not have chargeback rights because you do not have a signed cardholder letter, you have 3 options:
1. Pay the claim
2. Attempt to contact the merchant directly.
3. File a retrieval request through VISA (no signed confirmation required) to compel the merchant to produce a copy of the authorization information, sales receipt, etc.
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