I'm getting really pissed about it. (I've had 2 this week).
I have a whopping great refund policy statement on all of my sites, I've never refused a refund yet (unless it's really truly taking the piss), yet for some reason you get the moronic idiots who think it's fine to open a dispute instead of sending me an email or contacting my help desk. (for which I shelled out a fortune).
Oh and if you have emailed me and I haven't replied within 3 minutes, please remember I do have a life away from my computer and I have been known to spend several consecutive minutes away from it. You still won't need to open a dispute.
I wonder sometimes whether some people should be let near either computers or the internet