According to Chargeback Right and Limitation in VIOR – Dispute Resolution Rules, chargeback does not apply to a Non-Authenticated Security Transaction with and ECI Value “6”. Therefore, your chargeback is invalid. However, we also provide the evidence to prove that the cardholder participated in this transaction.
In addition, your Chargeback was not supported with the cardholder letter denying authorization or participation in the transaction as regulated by Visa International Operating Regulations. Moreover your fraud reporting was conflicted with the chargeback reason. Therefore your chargeback is invalid.