[Ostrogodsky]

Yes, see what they wrote after fully charging me and refusing a charge back:

> There are some security issues with your account. We need to verify the > account holder in order to unlock your account again. > Please send us a scanned photo ID of the account holder and also a Letter of > authority (LOA). It is required that the entered account information are > also shown on the proof. > We will then enable your PamFax account immediately.

[josephcsible]

Merchants can't just refuse a chargeback. The entire point of a chargeback is that it's clawing money back from an unwilling merchant.

[Ostrogodsky]

Not with a debit card without insurance.