I mean that if someone has paid you $3250, but the cost to you of supplying them with a service that they haven't used is $0, refunding them won't cost you anyt

I mean that if someone has paid you $3250, but the cost to you of supplying them with a service that they haven't used is $0, refunding them won't cost you anything. The chargeback has happened because the customer isn't satisfied with the refund policy. If the company had pre-emptively issued a refund (perhaps minus a small admin fee to cover the transaction costs), then the chargeback may have been avoided entirely. The customer may have been happy to receive $3000 back. I would have a lot more sympathy for the company if they could quantify specific costs they have incurred in providing the service.