<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>jeromegv</author><text>Companies want you to file the dispute through their support system using their existing process.&lt;p&gt;Once you file a dispute through the credit card company, the dispute process is moved to the credit card company and now the company has a LOT less power on what might be happening. They also get severely impacted from having a high amount of charge back and hurts them the next time they want to negotiate their credit card rate.&lt;p&gt;So from a market perspective, it makes total sense for a company to ban you. You&amp;#x27;re  causing them problems, refuse to follow procedure on how to handle the dispute, and hurt their bottom line in ways that could impact them at the rate of millions of dollar. They would rather not have you as a customer at all than deal with you again. Statistically, a customer that uses charge back is a lot likely to end up using it again, so they avoid themselves future trouble as well.</text><parent_chain><item><author>nixpulvis</author><text>Imagine being banned from Best Western, for example, because you disputed a charge!&lt;p&gt;Having a dispute, especially one which is so reasonable like this, being grounds for banning is insane to me. Companies as large as Airbnb cannot be just banning whoever they want.&lt;p&gt;This whole notion of, we don&amp;#x27;t agree with you, so we&amp;#x27;ll just ban you thing has got to stop.</text></item><item><author>avalys</author><text>I have heard of companies reacting to a chargeback in situations like this by banning your account.</text></item><item><author>Nextgrid</author><text>Charge it back via your bank and explain the situation. Worst case scenario, it gets denied, you don&amp;#x27;t lose anything either way.&lt;p&gt;The initial misunderstanding was cleared up just one hour after the booking - it should be very reasonable for the host to offer a full refund, it&amp;#x27;s not like it was a last-minute cancellation where the host would struggle to get it rebooked in time and lose out. The host is clearly being malicious here and trying to make a quick buck by double-dipping - getting some money from the cancelled booking &lt;i&gt;and&lt;/i&gt; then relisting the property back on the market.&lt;p&gt;I am always surprised how many people don&amp;#x27;t know about payment card disputes&amp;#x2F;chargebacks or refuse to use them, even &lt;i&gt;right here on HN&lt;/i&gt;. The bank and card networks are biased towards you to begin with, and there&amp;#x27;s no downside to losing one as long as you&amp;#x27;re not being outright fraudulent or acting in bad faith.&lt;p&gt;Card chargebacks (or litigation, if you have the means) is the only thing companies understand, especially in a country where consumer protection isn&amp;#x27;t a thing.</text></item></parent_chain></comment><story><title>How to lose $950 quickly on Airbnb</title><url>https://chriskiehl.com/article/how-to-lose-about-nine-fitty</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>lotsofpulp</author><text>Best Western hotels are individually owned and operated, and Best Western itself does not lose any money from chargebacks, the motel owner does.  Best Western gets paid their 10% to 15% of gross revenue royalty either way from the hotel owner.&lt;p&gt;Hotel owners, however, can and do ban individuals for chargebacks.</text><parent_chain><item><author>nixpulvis</author><text>Imagine being banned from Best Western, for example, because you disputed a charge!&lt;p&gt;Having a dispute, especially one which is so reasonable like this, being grounds for banning is insane to me. Companies as large as Airbnb cannot be just banning whoever they want.&lt;p&gt;This whole notion of, we don&amp;#x27;t agree with you, so we&amp;#x27;ll just ban you thing has got to stop.</text></item><item><author>avalys</author><text>I have heard of companies reacting to a chargeback in situations like this by banning your account.</text></item><item><author>Nextgrid</author><text>Charge it back via your bank and explain the situation. Worst case scenario, it gets denied, you don&amp;#x27;t lose anything either way.&lt;p&gt;The initial misunderstanding was cleared up just one hour after the booking - it should be very reasonable for the host to offer a full refund, it&amp;#x27;s not like it was a last-minute cancellation where the host would struggle to get it rebooked in time and lose out. The host is clearly being malicious here and trying to make a quick buck by double-dipping - getting some money from the cancelled booking &lt;i&gt;and&lt;/i&gt; then relisting the property back on the market.&lt;p&gt;I am always surprised how many people don&amp;#x27;t know about payment card disputes&amp;#x2F;chargebacks or refuse to use them, even &lt;i&gt;right here on HN&lt;/i&gt;. The bank and card networks are biased towards you to begin with, and there&amp;#x27;s no downside to losing one as long as you&amp;#x27;re not being outright fraudulent or acting in bad faith.&lt;p&gt;Card chargebacks (or litigation, if you have the means) is the only thing companies understand, especially in a country where consumer protection isn&amp;#x27;t a thing.</text></item></parent_chain></comment><story><title>How to lose $950 quickly on Airbnb</title><url>https://chriskiehl.com/article/how-to-lose-about-nine-fitty</url></story>