If a business attempts to steal from me I instantly charge back and the onus is on them to prove that I owe them money. I do this all the time and have never been blacklisted.

This is, yes you were robbed, but what if you want to partner with the bandit later?

They'll just rob you in your future interactions too.

waiting for month for a refund (and having lost access to the pro plan immediately but no immediate refund) is definite grounds for chargeback.

there is no human on the other end of the chain, and I bet that chargebacks are how they issue refunds (ie relying on the "nuclear" option as the standard practice of how refunds fundamentally works at their company.

ie "don't need to answer emails about refunds, because if they really wanted their money back, they'd issue a chargeback" as part of the regular procedure.

a lot of companies do this, and it's a common way of minimizing customer support budgets.

I always wondered about this. Do companies tie the credit card to an identity to block or do they just block the cc number?

If the latter, seems like a small friction point for a consumer. Given how often cc numbers change and how many an (American) consumer has, this won’t block anything unless you are charging back more than once every few months.

It's also important to remember that chargebacks aren't under our control. As cardholders, we can't issue them directly.

All we can do is submit a dispute to the bank. The bank will then investigate (however they do that), and eventually act (in whatever way they choose -- which may include a chargeback).

It may seem pedantic, but it's an important detail. Chargebacks are ugly. They constitute red flags on merchant accounts, and with enough of those red flags their own rates are affected (or worse).

Nobody wants chargebacks. Banks don't want them (they take time, and therefore money, to deal with). Vendors certainly don't want them. And consumers don't want them, either -- they just want to be made financially whole, however that happens.

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I had a problem once with a local record store where I got charged twice for one purchase. I loved that store very much (I grew up buying my music there), and at no point did I think that they would ever deliberately rip anyone off. But somehow after repeated phone calls and at least one visit, nobody I talked was able to either fix the problem or hand it over to someone who could.

So, in desperation: I called the bank and asked for help. I told them what had happened, and what I'd tried to do to resolve it, and they told me I could file a dispute and they would investigate. So that's what I did.

The next afternoon, I got a phone call from the store's very apologetic bookkeeper. He informed me that he'd received a call from my bank, and that he'd fixed the problem by refunding both of the charges, asked if that made me satisfied, apologized profusely again, and thanked me for my business.

That was a little bit above-and-beyond on the humbleness scale, but whatever. My problem was more than fixed and my fondness for the business was completely restored.

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Anyway, back to the point about being pedantic with nomenclature: All I did was file a dispute, all the bank did was make a phone call to the right person, and all the vendor did was fix the problem.

No chargeback took place.

So the Anthropic company would blacklist you for taking your money back by force that they owe you?

Ok sounds like evil should be labeled and not tolerated as anything else.

Cool.

Ask them for the interest too. I would imagine the 2018 to 2025 inflation entitles you to at least another 200 EUR on top of the original sum.

I don't think the original terms of contract volunteered you to act as a lending institution.

I think this may be a purposeful tactic. It’s like raising investor money from people who get no shares for their money. These reservations are just scammy.