Let’s be real… some people are just out here scamming. And when you report them, you’ll find they have a pattern of it and no integrity. Remember when people went to jail for check fraud? Buying furniture with checks, knowing there was no money in the bank? Credit card fraud works the same way. But if you run a business, you don’t have to just take it. You fight back with evidence, not emotion. When someone files a chargeback, their bank assigns a reason code—“product not received,” “not as described,” “unauthorized.” Your response should rebut that specific claim, nothing more. Then submit hard documentation: → Proof of delivery or access—signed contracts, login timestamps, download logs → The signed agreement and refund policy they accepted at checkout → Communication records where they acknowledged receiving the product → Evidence that matches the reason code—if they claim “never received it,” show them using it Keep it factual. The bank doesn’t care that you’re frustrated—only whether your evidence contradicts the claim. Let the paper trail do the talking. Because integrity leaves a trail—and so does the lack of it.