Then you're talking about a different thing. Your "fraud!" customers are people who have actively chosen to pay for your service, then actively chosen to claim

Then you're talking about a different thing. Your "fraud!" customers are people who have actively chosen to pay for your service, then actively chosen to claim fraud and get their money back. Everyone else is talking about people who were forced to put a CC on a free trial and then were automatically charged for a service they either forgot to cancel or couldn't cancel through the channels. (Or decided not to bother with the channels since they're almost always a pain in the ass.) It's a different situation entirely.