Originally Posted by d00t

Why the heck did you charge back anyway?

I have been on the borderline of jailtime for fraud, chargebacks and I've worked for a very large credit corporation that handles these exact types of disputes. By charging back a real purchase you are only putting yourself at a greater risk of being screwed by the "system".

Some points of interest:

- Your bank will charge you for wasting their time if the dispute is ever resolved in the merchants favor. And give you a bad rep with your bank. If the amount is high and you don't do enough business with them (100k+/year) - wave your credit line with that instituion goodbye.
- You will be blacklisted with the merchant and the merchants bank.
- The merchant can fight the chargeback if they want, it does take time and money on their end to do so - and if they are right... their jail time threat is not so outragous.
- People do go to jail for chargebacks, you are essentially stealing money back from them.
- Someone has to pay the bill at the end of the day... guess who it will be if you are found to be in the wrong? Imagine 10 fraud agents were investigating it over 2 months, add private detectives costs... time wastage... not to mention legal outgoings, credit card companies time... then the government will whack their fee for wasting their time in court.

I'm sorry, but if you charged back an amount for the sake of doing so even though you knowingly made the transaction - I hope you get what you deserve. Stealing is a crime. Fraud is a federal offense.