DSP-4425Card disputeMASTERCARDRC 4855MCC 5712

Northbeam Supply Co.

Goods or Services Not Provided · MC-CLM-8841203

At stake

$2,195.00

Expected recovery under this decision $0.00

Representment deadline

34 days remaining

Network deadline 4 October 2026

Engine decision

Accept liabilityModerate confidence

Weighed score 21 against your evidence floor of 58.

The engine’s working

Streamed as it happens. Real timings are scaled down so the run is watchable.

·Idle. The decision below is already computed; running replays how it was reached.

Step 1 — the facts it extracted4 signals from 3 records

For the merchant position

AVS full matchAVS_FULL_MATCH
The address verification response was Y — street address and postal code both matched — on authorisation 18QP44.
Address verification result · traced to EV-4425-02
+10
CVV2 matchCVV2_MATCH
The card security code response was M — the code presented at checkout matched the issuer record.
Card security code result (corroborating auth evidence, discounted to 40%) · traced to EV-4425-02
+3.2

Against it

No proof of deliveryPOD_ABSENTcited
No carrier delivery record is held for this order; fulfilment status is recorded as awaiting carrier pickup.
No proof of delivery held · traced to EV-4425-01
-30
Complaint raised before the disputeCOMMS_COMPLAINT_BEFORE_DISPUTEcited
On 29 July 2026 the cardholder wrote: "It has been four weeks and nothing has arrived."
Complaint predates the dispute · traced to EV-4425-03
-12

Step 2 — the position it takesnone

No representment — MC-CLM-8841203

Position

The weighed evidence reaches 21 against your floor of 58. The case is conceded rather than filed.

What the record shows

No carrier delivery record is held for this order; fulfilment status is recorded as awaiting carrier pickup. On 29 July 2026 the cardholder wrote: "It has been four weeks and nothing has arrived."

POD_ABSENTCOMMS_COMPLAINT_BEFORE_DISPUTE

Ledger effect

$2,195.00 is written off against Northbeam Supply Co., reason code 4855.

Exhibits attached

EV-4425-01 — Order record · Shopify #NB-117001
EV-4425-03 — Support thread · Zendesk #219115

Step 3 — self-checkReleased

Every assertion in this artifact resolves to a record on the case. Nothing withheld.

digest 69bac15a1d913a24 · the same case always produces this digest

The record3 items

Order recordEV-4425-01
Shopify · #NB-117001 · captured 02 Jul 2026
order_total_minor
219500
currency
USD
fulfilment_status
awaiting_carrier_pickup
customer_account_id
cus_T9mB40kK
Authorisation responseEV-4425-02
Stripe · ch_3PgH8kW1 · captured 02 Jul 2026
auth_code
18QP44
avs_result
Y
cvv2_result
M
approved
true
Support threadEV-4425-03
Zendesk · #219115 · captured 29 Jul 2026
subject
Where is my order?
inbound_message
It has been four weeks and nothing has arrived.
outbound_message
We are chasing the carrier and will update you.

Your decision

Audit trail2 events

case.evaluated08:24:00
4 signals extracted; digest 69bac15a1d913a24
f9bb1b0092b7e325032becf1…
decision.scored08:24:01
score 21 gives accept_liability
517c0612a3620c31ec3170fe…