Originally Posted by Dr. G
Listen, I've worked in the merchant processing industry. The only way they will allow you to initiate a chargeback AND WIN
is by a couple of ways: Fraud and Not as Described. Fraud, in other words, you've made a payment in exchange for goods or services and never received. If his merchant processor allows for deposits, then this isn't fraud unless you twist the situation around regarding fulfillment dates. Everyone has the right to initiate a dispute within 3-6 months depending on the payment network, unless they have signed an agreement otherwise, however this is one way. Once a chargeback has been initiated the first time, you can chargeback again for up to 12 to 24 months and request second or third arbitration. The other way: Not as described. Meaning if you've received services or products that do not resemble what you have paid for, then you have the right to initiate a dispute once again. Outside of this, there is no really winning a chargeback without a technicality, (Not having proof of fulfillment etc) and the deposit transactions being allowed is just something the merchant and merchant processor processor(acquiring bank/ISO/MSP) must work out. Almost all issuing banks will ask you to contact the merchant directly and work it out with them prior to initiating a dispute, and in many cases will do it with you on the phone. So calling your bank will ultimately result in a call to Vargas anyways. "