Comment by Glyptodon
4 hours ago
I actually think this is an example of where government should be more involved - like often times if I file a chargeback, there's a solid likelihood that there should a real world repercussion to the other party because it's probably related to fraudulent or abusive behavior.
If a merchant has a pattern of disputes with customers, they can get kicked off the card networks. That's a real world repercussion.
There are fraudulent customers too, I would say even more often since they have no reputation to uphold. You can see this more in the open on Yelp.
Customers do have a reputation to uphold. Real-time customer reputation and risk scoring services are a profitable and growing industry. They maintain extremely detailed records of customer interactions with businesses and assign scores to individuals.
Returning a defective product to one store, only buying things when you have coupons or promo codes, or issuing a chargeback at one business can get you instantly flagged as a higher risk at countless unrelated stores who are using the same services. Other factors that can impact your score include your income level, your home address, the devices/software you use, your interactions with websites (for example going directly to the product you want instead of searching and browsing around, or pasting your information vs typing it out is considered suspicious), how much money you spend, inconsistencies in the personal information you've given to different businesses, even your attitude when dealing with employees and how much of their time you take up can negatively impact how you're scored since that lowers your expected profitability (CLV/LCV/LTV) which lowers the tolerance threshold for risk.
At least Yelp is public and companies can see how they are rated. Businesses typically won't tell you that you've been branded a high risk for fraud or chargebacks. Instead they'll just apply different prices and polices to you on an individual basis. They might tell you that don't accept certain payment methods. They might tell you they don't accept returns, will only give store credit, or give very narrow return windows. They may reject your business entirely or limit you to only a subset of the products or services they offer.
I've had a real dramatic history with more than one food delivery service since the pandemic. It got so dramatic this year that one of them, after I had used them extremely heavily for years, they sent me a friendly warning email that claimed I had been rude and abusive on their platform, and they wouldn't hesitate to cut me off.
Just to give them some space, I'm using a different service, which is no better. They are all horrible, overpriced, and the drivers DGAF, and so I am routinely triggered into this rudeness they complain of. Recently I had another episode where my drinks went missing. Consistently. And so a couple of times, I pursued a tip reduction through the app or through their Support or whatever. Their Human Support Agents swore up and down that I should be able to zero the tip in my app. I swore up and down that there was no option at all for this. I raged and stressed so hard about this. The app kept claiming it was Human Support's responsibility to reduce/zero tips. Human Support swore that they were unable and disempowered to do such a thing.
I finally resolved this with an LLM conversation. The LLM revealed that "some customers are flagged as high-risk and their ability to reduce/remove tips will be disabled by the platform." This made perfect sense why the CSRs all believed that I should have the option, but it was disabled "for security reasons". It was appalling to me that they considered me "high risk" of stiffing a driver. Because I have always been very very careful to take care of drivers' tips generously because I sort of understand what they go through, even when a small percentage are overt assholes and DGAF. They mostly still deserve their tips and wages.
But the platform removed my ability to penalize them and reclaim my discretionary funds from a gratuity paid in advance and that really, really infuriates me. There is, of course, no way to start at $0 tip and increase it, because the drivers will simply decline to even claim your order in the first place. Because gratuities in advance are an incentive and bait to claim orders. They are not tips, they are bribes.