Proof, published
These are complete, redacted sample packets — the same structure, exhibits, and network-rule citations your live disputes get. Every figure below is fabricated: the only merchant is the fictional Example Threads Co. and every identifier is a visible SAMPLE token. Each page is watermarked "SAMPLE — illustrative data".
Won on the network rules before the evidence is even read: a completed 3-D Secure authentication (ECI, CAVV, DS transaction ID) shifts fraud liability to the issuer. Where 3DS is absent, Visa CE3.0 qualifies on two prior undisputed transactions with matching signals; the legacy path leads with the AVS/CVV match and account history.
Carrier delivery confirmation matched to the AVS-verified shipping address — signed, dated — backed by the order confirmation and prior undisputed orders to the same address.
Subscription usage after the claimed cancellation date, the click-to-accept policy log with timestamp and IP, and the advance renewal-reminder email the cardholder received.
A point-by-point rebuttal: the product-page snapshot as it read at order time, the return/repair offer trail, and the cardholder communications showing the item matched.
The processor settlement record showing the refund was already issued, the refund confirmation sent to the cardholder, and the reconstructed refund timeline.
The disclosed cancellation / no-refund policy accepted at checkout — a click-to-accept log with policy version, timestamp and IP — plus the checkout-screen capture that shows it.