Many such scams must work, otherwise they wouldn't keep happening. I suspect CC companies refund the ones who complain, but enough victims of smaller scams nev

Many such scams must work, otherwise they wouldn't keep happening. I suspect CC companies refund the ones who complain, but enough victims of smaller scams never complain and thus it pays off. What would help is shared liability, and mandatory full refunds for all victims, not just those that come forward. For example, a consumer protection agency or association could prove that a certain company was scamming, and get a court order forcing the payment companies to reverse all transactions associated with that company. Suddenly, all those "FREE SUBSCRIPTION *turns into a $49/month, 6 month minimum subscription if not cancelled within 7 days" (with the "free" repeated in huge letters and the subscription terms hidden in the finest fine print) scams would become risky enough that the payment providers would no longer be happy to enable them for a small percentage of the loot.