^^^ That. Especially when they all come in with the same reason for the chargeback: merchandise not shipped/not delivered. Banks aren't waxing prosaic when they do chargebacks, they are "check the box" categories. Run up a ream of not shipped/not delivered chargebacks and the retailer starts to smell of fraud - which would be a hella good reason for a CC processor to drop their relationship with the merchant. Knowing Ms T's lack of response to customers it's highly likely they just flip off the chargeback inquiries as well. You get your money back in 30 days if they do that, but it sure doesn't help their relationship with their CC processor either.
I know. This is what I can't figure out. Most every ecommerce processor will drop you if you have even 2% chargebacks. I can't figure out how she continues to process.
The thing is that even most of the smaller CC processors are "linked in" with some of the larger ones, like satellites, so once you lose your processor and you have to go "begging" to other processors, they can pull up your history. They also have access to why you were dropped, and if they don't, they will ask.
If you are dropped due to too many chargebacks, nobody else is going to take you on.
Again, this is why I always say, report and file chargebacks. Sitting in the dark while getting ripped off not only hurts you, but it hurts other people who are next in line to get ripped off, not to mention keeping fraudlent e-vendors in business.