The same problem has already been discussed here for 2 months ago:
https://www.cgtrader.com/forum/general-discussions/refund-problem-once-again-need-more-security-from-cgtrader
And it happened again. A refund on a transaction last month, for the same reason: "Payment reversal - no cardholder authorization".
It's a user named "peresoysol"
Fraudsters create new accounts every time, use stolen cards, download our files and in the end, we have to return the money for it.
I think it's stealing our files and I don't see CGTrader do something to protect us.