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so.. since covid, then. how much of this 'billions in avoidable losses' were just left on people's doorsteps?
I'm wondering how much of it were the companies that spun up and never delivered (or delivered substandard products) since then. I never had to do a chargeback in my life until 2020 and I've been using a credit card since 1998.
I ordered a box from a clothing company. They missed my size, preferences, never called for the consultation, and sent accessories that were supposed to be specifically excluded.
They had a no returns policy. I was ok with that. But the box was entirely wrong. Exactly one item in it was the right size and style on the form I filled out.
I tried solving it through them. They wouldn't call me back. Email was spotty. I said I was going to do a chargeback and they immediately called me to explain their no return policy means they can send me whatever they want and it's my problem (in corporate speak). So I did a charge back with the call recording, screenshots of the styling stuff, call logs showing they never called me, everything.
Since then I've had roughly the same experience from a couple of other places where someone spun up a good idea with no plan, no support, and looked like they were panicking by trying to fill orders as close to the letter as they could get them hoping no one would notice. And none of them want to refund when they fuck up.
Excellent point. Is it bouyed on petty theft? Should visa take that hit or should it be insurance?