Visa 13.2 (cancelled recurring transaction) is the dispute reason (the code on your notice) filed when a customer says they cancelled a subscription and were charged anyway, or never knowingly signed up for recurring billing. The case goes to whoever can document the cancellation attempt.
A customer who emails support, calls a number that goes to voicemail, or gives up on a settings page considers the subscription cancelled. If nothing was logged in the billing system, the charge runs on schedule until the chargeback arrives weeks later.
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Merchants who record the cancellation flow see far fewer 13.2 disputes. That takes four records: a cancellation page one click from account settings, a confirmation event written to the billing system, an email receipt within minutes, and a screenshot of the page as it appeared that day, stored against the customer record. With those four records most 13.2 cases can be won, and without them most cannot.