DSP-4435Card disputeMASTERCARDRC 4841MCC 7372

Corvid Analytics

Cancelled Recurring Transaction · MC-CLM-8844120

At stake

$299.00

Expected recovery under this decision $0.00

Representment deadline

39 days remaining

Network deadline 9 October 2026

Engine decision

Accept liabilityModerate confidence

Weighed score 30 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 extracted5 signals from 4 records

For the merchant position

Product used after purchaseACCESS_AFTER_PURCHASE
The account records 18 sessions after the transaction, most recently on 22 August 2026.
Post-purchase product usage · traced to EV-4435-04
+16
Terms accepted at checkoutTERMS_ACCEPTED
Terms v8.1 were accepted on 14 January 2026.
Terms acceptance captured at checkout (corroborating contract evidence, discounted to 40%) · traced to EV-4435-03
+2.8
Contractual notice periodNOTICE_PERIOD_TERMS
The accepted terms require 30 days notice of cancellation and renew automatically.
Contractual notice period accepted at checkout (corroborating contract evidence, discounted to 40%) · traced to EV-4435-03
+4.8

Against it

Cancellation requested in writingCOMMS_CANCELLATION_REQUESTEDcited
On 24 July 2026 the cardholder wrote: "Please cancel our subscription at the end of the term."
Written cancellation request · traced to EV-4435-02
-20
Cancellation requested before renewalCANCELLED_BEFORE_RENEWALcited
Cancellation was requested on 24 July 2026 against a renewal dated 1 August 2026.
Cancellation timing against the contractual renewal date · traced to EV-4435-01
-22

Step 2 — the position it takesnone

No representment — MC-CLM-8844120

Position

The weighed evidence reaches 30 against your floor of 58. The case is conceded rather than filed.

What the record shows

On 24 July 2026 the cardholder wrote: "Please cancel our subscription at the end of the term." Cancellation was requested on 24 July 2026 against a renewal dated 1 August 2026.

COMMS_CANCELLATION_REQUESTEDCANCELLED_BEFORE_RENEWAL

Ledger effect

$299.00 is written off against Corvid Analytics, reason code 4841.

Exhibits attached

EV-4435-01 — Subscription record · Stripe Billing sub_1PjX21Qm
EV-4435-02 — Cancellation request · Zendesk #219550

Step 3 — self-checkReleased

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

digest f822e86cd1c843b9 · the same case always produces this digest

The record4 items

Subscription recordEV-4435-01
Stripe Billing · sub_1PjX21Qm · captured 01 Aug 2026
plan
Team monthly
renewal_at
2026-08-01T00:05:00Z
cancellation_requested_at
2026-07-24T16:20:00Z
cancellation_effective_at
2026-09-01T00:00:00Z
Cancellation requestEV-4435-02
Zendesk · #219550 · captured 24 Jul 2026
inbound_message
Please cancel our subscription at the end of the term.
outbound_message
Cancellation is scheduled for 1 September 2026.
Terms acceptanceEV-4435-03
Stripe Billing · tc_sub_1PjX21Qm · captured 14 Jan 2026
terms_version
v8.1
notice_period_days
30
renews_automatically
true
Product access logEV-4435-04
Corvid app · acc_45510 · captured 25 Aug 2026
sessions_since_renewal
18
last_login
2026-08-22T09:14:00Z

Your decision

Audit trail2 events

case.evaluated08:31:30
5 signals extracted; digest f822e86cd1c843b9
8c3998e65dc91a799797ab66…
decision.scored08:31:31
score 30 gives accept_liability
b8dd1906a50bb009e4cb0faf…