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This thread really isn't fair to CCbill. This could have happened with any processor.
A refund is issued by the processor (ccbill, ibill, epoch) a chargeback is issued by the bank the customer got their credit card from.
The bank doesn't call ccbill and say "hey, is it ok if we charge this back?" the bank sends ccbill a letter saying "this is what we charged back, and oh, BTW, these are the fees you have to pay us now for us charging this back"
Is it fraud? Most probably.
Can you sue? Nope.
CCbill could sue them, but you can't. You could only sue them for fraud if it was your merchant account that the fraud was committed on.
VIP-ID used to do this. They used their own merchant account, did their own processing. Whenever someone charged back, they filed a lawsuit for the amount of the chargeback + fees, plus $3000 for defamation/damage to their reputation/whatever you want to call it.
And they won EVERY TIME.
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