Hey there,
The problems are looked by our team - if we can't solve the issue, the designer is contacted to try to repair the problem occurred. If the designer is unresponsive, only then the refund is due to the buyer.
However, this is the "4837 - No Cardholder Authorization Obtained for Transaction" case, which means this was a fraudulent purchase - these do not occur very often as we try to prevent the fraud purchases to the maximum, but there are a few cases, like the purchase that your model was bought in.