"Refunder Island...?"

I wish there was an island that refunders would have to go to.

It would be a nice place, tropical, full of fruit and animals to eat.

But there would be no goods there to buy. No retail. No computers. No credit cards for them to irresponsibly use.

Refund Island would be a place for these people to live in. No goods could be bought to sold. They would have to fend for themselves.

.

I hate refunders. Not normal refunders that just try the product and are not satisfied and want a refund. That is fair. I mean, those people are not my favorite, but they are OK. Heck, i've done that before.

But I hate these people that order my stuff, then ask for a refund to claim it never occurred. I just sent a woman money and KNEW she'd claim she never received it. And sure enough, two weeks later, she just emailed me and said she never got the check in the mail.

I just checked my files and remember that she is now the refunder that I have NO RECORD Of her ever ordering ANYTHING from my biz. I simply didn't wish to argue with her, so I decided to send a check to her in the mail for $9.97 (the money my company had somehow taken from her).

And now, shes claiming she never got it.

I remember, two weeks ago, thinking of VIDEOTAPING myself putting it in the mailbox because I knew she'd do this to me.

Lets face the facts. The customer is usually WRONG.

I wish I knew a better way to deal with refunds. I think people love my products, and that my refund rate is actually below average. But I get so many from people who claimed it never happened, and when I refund them they claim they never GET the refund.

Tell me if this is possible: A person comes to my site, buys product for $10, then the upsell for $10. A week later they see it on their CC statement, and, since they're stupid with money management, they do not recognize it on their bank statement. So they do what they do best: call their bank and say it wasn't something they did. So now I get a chargeback, for $25 + $25 + $10 + 10 = $70.

But THEN they email me and say they don't know what it is, so I refund them the $20 total.

So is it true that a 20 dollar purchase by the wrong person can nail me for over 90 dollars ? (if you compute the money that it costs to obtain the customers by PPC, etc.)

Or if one customer gets a chargeback -- is it just per customer and not per charge ? (so if two charges 1 customer = 1 chargeback?).

Also, is it legal to ask my customers to pay me back for the chargeback if they indeed initiate it and I've already began the refund? Because this double whammy charge is a real annoying hit..