[tzs]

1. Where did I say anything about destroying a customer's personal files?

2. Customers do not call for chargebacks. When customers call, they get a refund from us. A chargeback happens when a customer does NOT call us, but rather goes to their credit card issuer, and claims they did not authorize the charge on their credit card (which is generally a lie).

Wen that happens, the credit card company reverses the charge, AND accesses the merchant (us) a fee of around $20. Even if we were able to prove to the credit card issue that the customer is lying, and so the chargeback would be denied, we'd still have to pay the $20 chargeback fee.

Doing a chargeback without even trying to contact the merchant when you wish to undo a purchase is a very scummy thing to do, except in cases where it was definitely a fraudulent charge.