Originally Posted by
VegasGambler
Unless if you lie on your chargeback claim it won't get that far.
If you dispute a $1000 claim because you were charged a $250 fee that you should not owe, and you say that in your complaint, the bank will not request documentation for the valid $750; they will just amend your request to be for the $250 that's in question.
If you lie in the dispute and say that the entire $1000 is invalid, then they will request documentation, it will be submitted, you will lose, and the bank will do whatever they do to people who file fraudulent chargeback requests. My suspicion is that you can get away with it a couple of times before they just feel that you aren't worth their time.
Typically there is a "goods and services not as described" or similar option, which I truthfully select and of course in no circumstance would I lie about the facts of the matter. But it's the responsibility of the entity in breach of the agreed-upon price to invest the administrative follow-up resources to cure their default and there is no need for me to sacrifice (more of) my own time to make their lives easier.
Originally Posted by seawolf
So you just admitted that is not how chargeback works
It seems that you read my original post as suggesting that I felt entitled to a refund of the full charge; my point was simply that I'd dispute the charge and the administrative burden properly falls to the party in breach to do the heavy lifting of providing the necessary documentation to remedy their error.