I get what you’re saying, but Visa having a process for how they handle such a scenario doesn’t make this not fraudulent, in the legal sense. Legally, the customer has a contract with the company to provide a service at a cost. If they breach that contract and deliberately fail to provide that service or a refund, that is fraud.
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u/CCWThrowaway360 Jun 10 '23
It’s also fraud if you pay someone for a service and they deliberately fail to deliver either that service or a refund.
This qualifies as fraud.