Earlier quoted context omitted.
Your last statement is false. A shady merchant never gets to keep the stolen money. The card issuer/bank refunds you immediately because of consumer protection laws. But that charge is immediately charged to the processor. The processor then gets the merchant involved in a dispute process. If the merchant loses the processor charges the merchant. One way they do it is to immediately deduct it from their current proce…
> Your last statement is false. A shady merchant never gets to keep the stolen money. Or any merchant for that matter. Chargebacks (from bad actors) are one of the most annoying things when you sell online when you’re a honest legit business. Stripe even charges you a penalty fee on top of that.
Anyway, when I canceled my membership, I realized a few months later they were still charging me for training sessions. I chatted with the manager and apparently I had to cancel those separately. They refused to refund me for the sessions I never took. But they had a kind offer of being able to get training without paying for membership.
Well, I wasn't buying it, so I went on Chase and initiated chargebacks for every session charged after I canceled.
I dunno what happened on their end, but I got my money back. The business is still around, so I guess I didn't hurt them that much, but it's good to know that I probably was at least a hindrance.