This comment struck a nerve with me and perhaps you didn't mean it in this way but:
Yes, many of us are incredibly responsive to customer support inquiries (I have a <1hr response time unless you send in a ticket when I'm sleeping) and it doesn't matter. Fraudsters gonna fraud. This isn't a case of "they asked for a refund, we refused, they issued a chargeback", it's a case of a scammer being a POS.
I've dealt with my fair share of chargebacks and in every case I've seen it's someone being a jerk and never a legit case.
The fact that Stripe won't help you, the banks don't care about all the evidence you have, and you end up out the money for the product _and_ you get hit with a chargeback fee on top of it is madness. I could literally have video of the person holding up their ID saying "I XXXXX agree to pay YYYY" and banks would still side with a the scummy scammers.
I have, quite literally, never had someone reach out via support and then file a chargeback later. They do it without reaching out, probably because they are a trash person and they have no interest in getting anything fixed and are just scammers.
Yeah, I know chargebacks are a frequent vector for abuse and of course I don't mean to imply that customers doing chargebacks ought to always implicitly be given the benefit of the doubt.
Given that you are responsive to inquiries, it makes sense that you'd rarely if ever have a legitimate chargeback -- because there's no reason for a customer to resort to chargebacks if the vendor is willing to work with them to resolve legitimate issues.
But I know of many examples of people needing to resort to chargebacks due to ineffectual customer support, and then having their accounts banned and being cut off from other unrelated services from the same vendor as a result. I don't think that's an appropriate response and vendors should be careful not to let that happen if they instate such a policy.
Yes, many of us are incredibly responsive to customer support inquiries (I have a <1hr response time unless you send in a ticket when I'm sleeping) and it doesn't matter. Fraudsters gonna fraud. This isn't a case of "they asked for a refund, we refused, they issued a chargeback", it's a case of a scammer being a POS.
I've dealt with my fair share of chargebacks and in every case I've seen it's someone being a jerk and never a legit case.
The fact that Stripe won't help you, the banks don't care about all the evidence you have, and you end up out the money for the product _and_ you get hit with a chargeback fee on top of it is madness. I could literally have video of the person holding up their ID saying "I XXXXX agree to pay YYYY" and banks would still side with a the scummy scammers.
I have, quite literally, never had someone reach out via support and then file a chargeback later. They do it without reaching out, probably because they are a trash person and they have no interest in getting anything fixed and are just scammers.