Quote:
Originally posted by Mr.Fiction
I have a question about chargebacks:
If I am a customer of a site, and I don't like the content after signing up, can I legally charge back? Say I just don't like the content. I know I can probably ask for a refund, but what about charging back? I know it's fraud to charge back if you claim you didn't make the charge, but what about "customer satisfaction" issues - can those legally result in chargebacks?
If so, wouldn't it be easy for people to get 100 people who don't like you together and charge your ass back and lose you your merchant account?
I remember reading about some group of right wingers who attacked a Green or some sort of left leaning site like that - where they got his merchant account or processing shut down. Is it really that easy?
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That might be questionable. Chargebacks are only meant to be for when the transaction wasnt made, non delivery of product etc. So I guess it could be non delivery.
The big thing is the card companies dont care - if you dont have a signature on the credit card transaction they dont even ask a reason. Even with a CVV2 number they dont care - which is wrong because it proves the person had the card, so unless they are reporting it lost too, they should be able to charge it back.
Even with PayPal it is pretty easy to get a chargeback, and they make transactions to your card which you have to verify before you can use it.