[pc86]

Somewhat related story about banks just saying "fuck you deal with it."

I left a subscription and long story short I got charged an extra $119, which was the monthly fee at the time. I reached out to the business over and over again and eventually they just said they were not refunding it unless I came back as a recurring customer, which I wasn't interested in doing. I submitted a charge back, submitting all my supporting information that the charge was extraneous beyond what I had agreed to pay, and eventually after a few months the bank (Discover) agreed with me and claimed the chargeback was settled.

Fast forward nearly a year later and boom a $119 charge pops up on my card. Discover tells me that the retailer had appealed (a process I was never notified about and didn't get a chance to respond to), that they accepted the appeal and the decision was final.

The wrinkle in this is that at the time I was in the process of digging out of a high five figures in credit card debt and this card had a ~$25k balance month to month so they were getting about $600/mo in interest from me. I called a manager and said "I have been paying this off at the rate of $2-3k/mo and plan on continuing to do so if you reverse that charge, otherwise I'm transferring the balance to another card and the interest ends today."

For whatever reason they were totally willing to throw that money away over $119, so I transferred the balance and closed the account. It is totally believable to me that they would do more or less the same thing with stealing money from cash accounts, if not intentionally then at least negligently and not taking the time to properly investigate.