Nope, most banks(specially online-only) will decline your charge back citing some super complex directive that is totally unrelated & you can't appeal. Charge backs will work for no name small merchants mostly.
Depends on the bank.
I had HSBC in France repeatedly deny that they could not and would not perform a charge back forna specific online transaction without a police report.
I ended calling VISA, who conference called my bank branch, explained that they were legally required to perform the charge back. The bank capitulated on the phone, the VISA guy hung up, and the bank said: VISA's opinion aside, we refuse to perform a chargeback.
That's completely wrong. Chargebacks are _primarily_ for fraud. And any merchant that accepts credit cards over the phone or Internet ("card not present") is liable for fraud, not the bank.
Yup, companies dislike charge backs and many will block you from all their services for requesting one. So don't go that route unless you never wish to use services from that company again. My wife accidentally did one for a mmorpg she plays and after 6 weeks (and dealing with support, multiple banks, etc.) it was only social media shaming that got them to unban her.
I doubt many banks would refuse a charge-back considering this transaction obviously didn't use 3DSecure since it went through PayPal. You'd probably get your PayPal account shutdown if it went through though.
Keep in mind that chargebacks are considered a nuclear, double-edged option. Yes, you can get your money back as a customer or abuse the system to financially cancel someone, but issue too many chargebacks and the banks will be more than happy to also kick you out too.
Chargebacks as they are intended are used only when all other attempts at resolving a dispute have failed, including the merchant refusing to issue a refund. It's the means of last resort and damages the credibility of both sides involved in the transaction.
I keep reading about charge back, but in only two cases I tried to do that, because I didn't receive the stuff I paid for, I haven't succeeded. Banks seem to side with the merchants, because merchants pay them, not us.
More than likely, yes. Chargebacks work way better for goods than it does for services. The online store you bought goods from might ban you if you initiate a chargeback, but usually with stores it's not that big of a deal, there's an alternative store to go to anyway.
Chargebacks are inadvisable in case there is digital content associated with the account. In every terms of service I've ever read there is a clause saying the consumer cannot perform chargebacks. They're likely to nuke your account for "fraud" if the bank reverses the transaction, potentially causing thousands of dollars in losses.
You can do chargebacks on debitcards and you've been able to for at least 20 years.
Some banks might ask you to contact a merchant before trying a chargeback, but if you don't get your money back the bank will either do a chargeback or cover the cost (as they do with fraud).
Yes, but the bank takes the money immediately after accepting the chargeback. The merchant can provide evidence and dispute it to get their money back, but it is immediately withdrawn. And, if I’m remembering correctly, along with a fee.
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