[rafark]

> Your last statement is false. A shady merchant never gets to keep the stolen money.

Or any merchant for that matter. Chargebacks (from bad actors) are one of the most annoying things when you sell online when you’re a honest legit business. Stripe even charges you a penalty fee on top of that.

[abustamam]

This makes me feel good. My gym was one of those places that lured you in with a low monthly price then heavily upsell you on personal trainers. The trainers were fine, but they were fairly inexperienced (usually college kids who took a course and then wanted a summer job or something). And once they found something better they'd leave. Nothing against the trainers, but I prefer to have consistency with my coaches.

Anyway, when I canceled my membership, I realized a few months later they were still charging me for training sessions. I chatted with the manager and apparently I had to cancel those separately. They refused to refund me for the sessions I never took. But they had a kind offer of being able to get training without paying for membership.

Well, I wasn't buying it, so I went on Chase and initiated chargebacks for every session charged after I canceled.

I dunno what happened on their end, but I got my money back. The business is still around, so I guess I didn't hurt them that much, but it's good to know that I probably was at least a hindrance.