My main business is trophies/awards
A youth sports park placed a few orders over about a year and then, out of the blue, one of their orders ($800.00) was disputed.
We know they received the awards, but the dispute claimed the order was never received.
The guy that placed the order, after we contacted him, was initially working on answers, but then became evasive.
I started calling the park and spoke to a manger, and he said he would work on it.
Then he became evasive.
Well, it turns out this park is operated by the city.
This is a decent size city in South Florida.
I did some internet sleuthing and found the city web page with a list of all officials (phone numbers and email addresses), including the Mayor and folks who oversee the parks.
I emailed the mayor, and about a dozen other city officials, with a polite threat that they were about to be hauled into small claims court in Jacksonville, FL.
I received a phone call within an hour. Low and behold, within 24 hours, the city ponied up the funds.
It turns out there was some infighting between some of the parents and one of them put up the funds for the trophies, and out of spite, they disputed the charge.
I guess the moral of the story is sometimes answers lie in places we may not always suspect.
I get about 1-2 of these charge-backs a year - Most are improper according to the terms on card issuers, but people lie to them, and we (merchants) become victims.
I just got one about a week ago from an affiliate of the WYCA.
You can guess where I will be calling soon.