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I can’t find any reliable sources on this either way, but some blogspammy sites suggest that merchants are within their rights to pursue legal action outside of

• akhosravian 4y ago
  Sure and I am in my legal right to sue you for making this post. It doesn’t mean it will go anywhere if we actually end up in court.
• indymike 4y ago
  If you'd like to verify what I've suggested, the best thing to do would be to read a merchant agreement and the associated card association rules. From what I saw when our merchants went after consumers, the outcome was usually bad for the merchant if the consumer had a lawyer. Most of the time, it was as simple as the thing that justified the charge back was unjust enough they were going to lose in court anyway. Failing to provide service, selling defective products, or having unfair (and often illegal) terms in your contract are not going to win. Where you do see merchant success is where credit cards are being used to make installment payment and the customer stops paying with the card.