Northbeam Supply Co.
Cardholder Dispute — Goods Not as Described · MC-CLM-8845007
Streamed as it happens. Real timings are scaled down so the run is watchable.
- AVS full matchAVS_FULL_MATCH
The address verification response was Y — street address and postal code both matched — on authorisation 55TT31.
Address verification result · traced to EV-4439-05
+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-4439-05
+3.2 - Signed delivery to the billing addressPOD_SIGNED_MATCHING
FedEx recorded delivery on 8 July 2026, signed for by R OKONJO, to postal code 30308 which matches the billing address on the order.
Signed delivery to the billing address is the strongest non-receipt rebuttal · traced to EV-4439-02
+28 - Remedy offered and declinedREMEDY_OFFERED_DECLINED
A replacement was offered under the published policy and was not accepted.
Published remedy offered and declined (corroborating comms evidence, discounted to 40%) · traced to EV-4439-03
+4
- Complaint raised before the disputeCOMMS_COMPLAINT_BEFORE_DISPUTEcited
On 9 July 2026 the cardholder wrote: "Two of the four chairs arrived with cracked frames."
Complaint predates the dispute (corroborating comms evidence, discounted to 40%) · traced to EV-4439-03
-4.8 - Cardholder supplied damage evidenceDAMAGE_EVIDENCE_SUPPLIEDcited
5 photographs were supplied with the complaint.
Cardholder-supplied evidence of defect · traced to EV-4439-03
-16
- Defect corroborated by the cardholderG-DOCUMENTED-DEFECTdecided this case
The cardholder supplied photographic evidence of a defect and your own published policy provides a remedy for it. Contesting in full on a documented defect tends to lose at pre-arbitration, where the arbitration fee exceeds most transactions; the proportionate credit is both the cheaper and the more defensible position.
No representment — MC-CLM-8845007
The cardholder supplied photographic evidence of a defect and your own published policy provides a remedy for it. Contesting in full on a documented defect tends to lose at pre-arbitration, where the arbitration fee exceeds most transactions; the proportionate credit is both the cheaper and the more defensible position.
On 9 July 2026 the cardholder wrote: "Two of the four chairs arrived with cracked frames." 5 photographs were supplied with the complaint.
$1,560.00 is written off against Northbeam Supply Co., reason code 4853.
- EV-4439-03 — Damage report with photographs · Zendesk #219340
Every assertion in this artifact resolves to a record on the case. Nothing withheld.
digest e620a7a603604d01 · the same case always produces this digest
- Order recordEV-4439-01Shopify · #NB-116880 · captured 30 Jun 2026
- order_total_minor
- 156000
- currency
- USD
- units
- 4
- unit_price_minor
- 39000
- customer_account_id
- cus_H2wR55nQ
- Carrier proof of deliveryEV-4439-02FedEx · 778812004417 · captured 08 Jul 2026
- carrier
- FedEx
- status
- DELIVERED
- delivered_at
- 2026-07-08T15:20:00Z
- signature
- R OKONJO
- delivery_postcode
- 30308
+ 1 more fields - Damage report with photographsEV-4439-03Zendesk · #219340 · captured 09 Jul 2026
- inbound_message
- Two of the four chairs arrived with cracked frames.
- attachments
- 5
- outbound_message
- We can replace the two damaged units.
- resolution_offered
- replacement
- resolution_accepted
- false
- Published returns policyEV-4439-04Shopify · policy_v4 · captured 30 Jun 2026
- terms_version
- v4.2
- damaged_goods_remedy
- replacement_or_refund
- reporting_window_days
- 14
- Authorisation responseEV-4439-05Stripe · ch_3PfW20Lm · captured 30 Jun 2026
- auth_code
- 55TT31
- avs_result
- Y
- cvv2_result
- M
- approved
- true
- case.evaluated08:34:306 signals extracted; digest e620a7a603604d019f48c242808817232dff1b21…
- decision.gated08:34:31G-DOCUMENTED-DEFECT fired, giving partial_credit996e93804e48b6b194fa63d5…