The merchant can outright lie. I returned a $2k item to Amazon once. Amazon failed to refund, so I filed a dispute. Amazon replied with a 50-page PDF that at th

The merchant can outright lie. I returned a $2k item to Amazon once. Amazon failed to refund, so I filed a dispute. Amazon replied with a 50-page PDF that at the end claimed they didn’t get the item. I then pointed out that not only did UPS deliver it to them in Nevada, but it was Amazon customer support that gave me the tracking number. This change by Visa is going to be abused by big merchants who have legal teams draft up bullshit blanket responses to scare consumers and then exit pre-arbitration. Since the cost to arbitrate is $400 minimum, it’s difficult for consumers to go through with it. Note that Visa is citing a report by Sift, who is a YC company that is one of the worst data brokers out there. They were extremely non-CCPA-compliant as Jason Tan found out the hard way: https://www.nytimes.com/2020/01/15/technology/data-privacy-law-access.html https://www.nytimes.com/2020/01/15/technology/data-privacy-l...