This is really how the system works in most places. If a chargeback result is unjust, the merchant can sue. In most places court costs and attorney fees are awa

This is really how the system works in most places. If a chargeback result is unjust, the merchant can sue. In most places court costs and attorney fees are awarded to the winner. Most of the time, merchants just assign the account to a collection agency after 90 days and hope for something.