It's a good point. I had a scammer stole my credit card number. I reported the fraud and the bank instantly removed it, but the scammers just said I was lying

It's a good point. I had a scammer stole my credit card number. I reported the fraud and the bank instantly removed it, but the scammers just said I was lying and eventually got their money back. Bank backed the scammers and said I must be lying because the scammers produced a tracking number for some arbitrary package that went to my same zip code (but not my address). As a customer I found getting the charge reversed and then unreversed as not much different experience than the bank telling me to go fuck myself to begin with. It's actually laughably easy for the merchant to fight a chargeback by just providing any arbitrary tracking number to your zip code as full satisfactory proof they fulfilled their agreements. The writings of this article do not anywhere near match the reality I've seen with chargeback process and appeals process, which seam to heavily favor the merchant.