It's due to the address being different so it seems you've either moved or had old biling information connected to your credit card, this is what caused it to happen this time. The billing info to pass the verification has to match the billing info connected with your credit card. And I can see the exact address info the first time you put in one street,city,zip that was different than than the second time and that first attempt  failed verification, the second time you put in different billing info and it passed so that means that is the correct billing info associated with that card.. So I'm not sure if you recently moved or changed addresses or what but that is what caused this to fail the first time. And that first charge is not settled or captured it's pending and it won't be settled or captured so it will drop off as I stated above so when a charge is showing pending in your bank account/credit card we (Renderosity) do not have the money in our bank account, this is why I can't just go in and do a refund for that original pending first failed attempt as we don't receive the money unless the second step (the verification) occurs and I can clearly see that it's pending and not settled and this is due to the difference in billing information that you put in both times, they are different so the first one didn't match what you have on file for this credit card. This is what you need to explain to the credit union, the information about you putting in either old or incorrect billing information that didn't match the billing info connected with the card so they understand that it failed verification and since they know what address info is connected to that credit card if you let them know what billing info you put in the first time and why, they can know and understand why it failed verification and that it won't "settle"

 

Hope this helps

 

THanks