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.

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alpaca128 2 hours ago | parent | next [-]

Some companies like Activision clearly state in their terms that chargeback means you will be permanently banned, no exceptions. You'll lose your account and access to all digital "purchases" forever.

They don't need to prove anything to stop doing business with you.

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BeetleB 4 hours ago | parent | prev | next [-]

With some of the large companies, blacklisted is a real concern.

eBay is one known example.

I've heard the same for Amazon (forget if it was retail or AWS).

It's cheaper to lose your business than to have a proper human review every complaint.

	▲	saintfire 2 hours ago \| parent [-]
		I've charged back amazon over retail issues that they did not deem worthy of providing me a human to interact with. It whined about it for a bit on their site but eventually just gave up. Works normal again.

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stavros 4 hours ago | parent | prev | next [-]

I have a few customers like that. They sign up, forget about it, then they see it on their statement and issue a chargeback. Not only do they get their $20 back (that they very willingly signed up for), but I have to pay another $35 to Stripe for the privilege of having a forgetful customer who couldn't even be bothered to email me for a refund.

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ValentineC 3 hours ago | parent [-]

> I have to pay another $35 to Stripe for the privilege of having a forgetful customer who couldn't even be bothered to email me for a refund.

I've seen some businesses send a pre-billing email telling customers that they'll be charged on a certain date, so that customers have time to cancel if they want.

Cloudflare does that for domain renewals, sending out emails 30 and 60 days before.

Of course, there are also some businesses that hope that customers forget that they're subscribed, so that there's breakage.

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markdown an hour ago | parent | next [-]

> Cloudflare does that for domain renewals

That's just standard. Every domain registrar/vendor does this.

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stavros 3 hours ago | parent | prev [-]

Mine is a one-off payment :( They just forget they paid for it, plus the company name isn't the same as the app name, so they just go "welp, someone must be stealing from me!" and request a chargeback.

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mootothemax 2 hours ago | parent | next [-]

Completely by accident, I have a setup that sends a pdf invoice to customers a couple of days after the sale. I’m pretty sure it’s a stripe option I must’ve misclicked.

Anyway- turns out that on the rare occasion someone’s had an issue, this gives them a really easy mechanism to write to me and tell me about it. They let off their steam in the email and then we make things good together. (Yet another reason why I always oppose noreply email addresses)

I still don’t know what or where the setting is, mind.

	▲	stavros 2 hours ago \| parent [-]
		That's a great idea, thanks! I've found and enabled a few emails, though I think the actual invoice email is a checkout parameter. This should help, thanks!

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xyzzy_plugh 2 hours ago | parent | prev [-]

Anecdotally I helped a client entirely eliminate their chargeback rate by creating a new subsidiary named directly after their product, so that the billing line item was obviously the product. They also saw a slight increase in inbound sales, which surprised me.

	▲	ValentineC 2 hours ago \| parent \| next [-]
		Were you dealing with some other payment processor or bank that didn't allow custom statement descriptors? Stripe and PayPal let me write whatever I want there.
	▲	stavros 2 hours ago \| parent \| prev [-]
		That's a great idea, but it's only helpful above a certain sales volume, which I don't really have. It's just disappointing when the charge back happens, but the economics of the business don't really warrant doing anything about it.

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butlike 6 hours ago | parent | prev | next [-]

Yeah that kind of seems like antiquated fear-mongering. Next they should call the BBB and leave a strongly-worded review!

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collingreen 5 hours ago | parent | next [-]

You joke but I got bbb involved with a scammy business insurance company that is easy to sign up for but you can't cancel or stop renewal or change billing info. Company has an infinite hold line and never responds to anything. Filed a complaint on BBB and it was responded to next business day.

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nekusar 6 hours ago | parent | prev [-]

wait, int the BBB just boomer yelp?

	▲	sonofhans 5 hours ago \| parent [-]
		Believe it or not, back in the mists of time we had these things called “public institutions” which were at least notionally chartered to, and in fact somewhat did, act in the public benefit. The BBB was one of those — not always perfect, but consumer-friendly and not out to scam or profit. Yelp is just another VC-backed money play. They do not now or have they ever claimed or intended to make the world a better place without regard for their own profit.

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mort96 6 hours ago | parent | prev [-]

I don't think it's helpful to think about this as the company "trying to steal from you". There is no intention here. It's just something that got lost in a bad IT system. You gain nothing from issuing a chargeback. You imperceptibly nudge some statistic and a "banned for life" flag might automatically get flipped in a database. There's no righteous comeuppance here.

You try to contact support, pester them a bit, call someone if possible, and eventually, you may get your money back. If you don't, then you issue the chargeback.

	▲	DANmode 5 hours ago \| parent [-]
		> There is no intention here. You don’t think it’s funny how the mechanism for taking the money is never broken? Work with a large company who won’t pay your 30 or 45 day invoice for 90 days before you broadly decide this.