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There are different types of chargebacks.
1. Where a customer's card details are stolen or used without his permission. [LEGITIMATE]
2. Where a customer is unhappy with a service and can't get a refund from the merchant [AVOIDABLE]
3. Where the customer did make the purchase, and did enjoy the site but lied and said he didn't to get his money back or because his wife saw the charge etc [SCUMBAG WHO DESERVES BLACKLISTING]
Whereas you should have had communication with (2) it is not always easy to differentiate between numbers (1) and (3) and so any service that blacklists people rather than card numbers has to be careful that they are blacklisting scumbags rather than victims.
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