Originally Posted by
davie355
I did nothing fraudulent. I submitted an honest description of the problem to my credit card issuer. If they find my rationale unacceptable, they can decline the chargeback.
Come to think of it, I might be using the wrong term. I opened a dispute. In my mind that's a chargeback, but you could be thinking of something else.
I am very familiar with merchant accounts, credit card processing and
chargebacks.
What you did is called a "friendly chargeback" which is fraud.
http://en.wikipedia.org/wiki/Chargeback_fraud