Why doesn't my bank ask me why I'm doing a chargeback?
You should have been prompted to select a reason; but perhaps a generic reason was attached to your dispute without your knowledge, such as that the product/service was not provided. Here is what it looks like from the merchant's side: They receive a dispute with a reason and are permitted to respond, e.g., as follows:  Jenny Rosen purchased X from our company on [date] using their Visa credit card. The customer agreed to our terms of service and authorized this transaction. We shipped the product on [date] to the address provided by the customer, and it was delivered on [date]. https://stripe.com/docs/disputes/responding  When your chargeback was denied, you probably could have called your issuer and continued the dispute. But you dropped the matter.