Primary LLM: 'cardholder dispute — clear evidence: delivery + refund attempt on file.'

Primary LLM: 'Mastercard Collaboration — merchant evidence sufficient.'

Primary LLM: 'Amex dispute, reason code documented, proper evidence.'

Primary LLM: 'MISSING delivery proof — cannot represent under Reg E.'

Primary LLM: 'reason-code mismatch between cardholder claim (13.1 not received) and evidence (refund issued).'