Dispute charge

Card support

Ready

Selected charge

Luma Cloud Services

Virtual card ending 2048

GBP 128.40

Case readiness100%

What happened?

Card is still with meUse this to decide whether replacement is recommended.

I recognize the merchantTurn this on for amount, duplicate, or fulfilment issues.

I contacted the merchantOften required for service, cancellation, or amount disputes.

Tell us what happened

Ready

Fraud operations

Case packet

Luma Cloud Services

Review the dispute route, customer statement, evidence readiness, and card protection decisions before creating the support case.

Ready

GBP 128.40

Disputed amount

Evidence items

100%

Ready

Readiness checks

These mirror backend dispute eligibility.

6 of 6

Transaction eligible

106 days left to file

passed

Reason selected

I do not recognize this charge

passed

Customer statement

95 characters provided

passed

Merchant contact

Not required for this reason.

passed

Evidence attached

1 evidence item ready

passed

Cancellation proof

Not required for this reason.

passed

Timeline

Jun 10Transaction postedAvailable for dispute intake.

Jun 10Merchant descriptor enrichedCategory and support channel matched.

TodayDispute window checkedCase can be filed within the network deadline.

Route

Fraud operations

I do not recognize this charge cases should carry structured answers, evidence files, and card-control events into the support queue.

Draft payload preview

Useful for wiring your API contract and support queue handoff.

txn-luma-cloud

{
  "transactionId": "txn-luma-cloud",
  "reasonCode": "unauthorized",
  "route": "Fraud operations",
  "answers": {
    "merchantContacted": false,
    "cardInPossession": true,
    "recognizeMerchant": false,
    "details": "I do not recognize this subscription charge and I did not approve a renewal with this merchant."
  },
  "evidence": [
    {
      "type": "screenshot",
      "status": "ready"
    }
  ],
  "controls": {
    "freezeCard": true,
    "replaceCard": false,
    "provisionalCreditEligible": true
  },
  "status": "draft"
}

Submit dispute case

Create a dispute for GBP 128.40 at Luma Cloud Services.

ReasonI do not recognize this charge

RouteFraud operations

ProtectionFreeze card

Submitting should create an immutable customer statement, lock the selected evidence snapshot, and queue card-control actions server-side.