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.

Unless you're big cheese, too many disputes can get a company cut off. Disputes aren't free to mediate, there's a cost to handle each one.

Visa/MC can block a company, happens for lots of reasons.