[BUG] Claude Pro payments fail before issuer authorization; support human escalation loops for 1+ month

### Preflight Checklist

- [x] I have searched [existing issues](https://github.com/anthropics/claude-code/issues?q=is%3Aissue%20state%3Aopen%20label%3Abug) and this hasn't been reported yet
- [x] This is a single bug report (please file separate reports for different bugs)
- [x] I am using the latest version of Claude Code

### What's Wrong?

I have been unable to purchase or restore Claude Pro since August 11, 2026.
The issue persists across multiple payment methods and banks:
- multiple Visa cards
- multiple Mastercard cards
- different issuing banks
- Google Pay
- different valid billing addresses
- monthly and annual Claude Pro attempts
- retries separated by 48+ hours
All cards work normally with other merchants.
My banks report no declined or blocked authorization attempts from Anthropic.
In the latest test, a different Mastercard successfully completed the bank's 3D Secure / ID Check. I then submitted the Claude Pro purchase, Anthropic returned a payment failure, and the bank received no subsequent authorization request, either approved or declined.
The support path has also failed repeatedly.
Previous support cases:
- #215475438284744 — Aug 11
- #215475487985308 — Aug 14
- #215475532537715 — Aug 18
In multiple conversations, Fin stated that the issue required human investigation and that my case was being transferred to a human support agent. No human contacted me.
Latest EU support case:
- #215475869604107 — Sept 9
Fin stated:
"I'm routing this to our human support team now for manual review of your account and payment history."

and:
"We're transitioning your question to one of our human support agents for further assistance. You don't need to keep this window open - we'll email you when an agent has responded."

As of September 14, no human response has arrived.
The issue has now been unresolved for more than one month.
There may also be a relevant preceding event: before this issue started, my Claude Pro payments worked normally. Shortly before the first failed renewal, Anthropic Support manually refunded a Claude Pro gift purchase associated with an incorrect recipient email address.
I am not claiming the refund caused the problem, but given the timing it may be worth checking whether the refund or related transactions affected the customer/payment state or risk state associated with my account.
There is also an apparent account-state inconsistency: the Claude application currently treats the account as Free, while Fin stated in one interaction that the account was "currently on a Claude Pro plan with admin access to a Free organization."
I cannot determine whether this reflects an actual backend inconsistency or simply an inaccurate Fin response.

### What Should Happen?

Claude Pro purchases should complete successfully when:
- the payment method is valid,
- billing details are correct,
- 3D Secure authentication succeeds,
- the issuing bank is not declining or blocking the transaction.
If a payment still fails, Anthropic should expose or internally inspect the actual failure reason.
Separately, when support explicitly states that a case has been escalated to a human agent, the case should actually reach a human support representative and receive follow-up.
For this case, I would expect Anthropic to manually verify:
1. the customer/payment state associated with the account;
2. whether an authorization request is created and submitted after successful 3DS;
3. the actual failure reason returned by the payment system;
4. the subscription/entitlement state of the account;
5. whether the manually refunded gift transaction affected subsequent payment state;
6. why repeated confirmed human escalations did not result in human contact.

### Error Messages/Logs

```shell
Latest checkout behavior:
1. Entered a different Mastercard with correct billing information.
2. Bank's 3D Secure / ID Check was triggered.
3. 3D Secure authentication completed successfully.
4. Accepted the subscription terms.
5. Submitted the purchase.
6. Anthropic returned a generic payment failure.
7. Issuing bank confirmed that no subsequent authorization request, approved or declined, was received.
Support response in case #215475869604107:
"I'm routing this to our human support team now for manual review of your account and payment history."

Followed by:
"We're transitioning your question to one of our human support agents for further assistance. You don't need to keep this window open - we'll email you when an agent has responded."

No human response followed.
```

### Steps to Reproduce

1. Log in to the affected Claude account.
2. Open the Claude Pro subscription checkout.
3. Enter a valid payment method and correct billing details.
4. Complete 3D Secure / ID Check if requested.
5. Accept the subscription terms.
6. Submit the purchase.
7. Observe that the Claude checkout returns a payment failure.
8. Check with the issuing bank.
9. Observe that no subsequent authorization request appears at the bank.
This has reproduced across multiple cards, banks, payment methods, billing details, and both monthly and annual Claude Pro subscription attempts.

### Claude Model

None

### Is this a regression?

Yes, this worked in a previous version

### Last Working Version

_No response_

### Claude Code Version

latest

### Platform

Other

### Operating System

macOS

### Terminal/Shell

Terminal.app (macOS)

### Additional Information

Similar to #61386