Dissatisfied customer

[ApolloGenX]

That is essentially fraud in this case. The OP didn't request a refund (according to the info posted thus far) and paid to receive time on an account, which they provided. What the company didn't do (and doesn't have to, but imo would be good customer service - but a one time fix) is transfer the time to the account he actually wanted it on. People seem way too eager to flip that chargeback switch these days and quite frankly it's become too easy to do so. *sits back in rocking chair* Back in my day we had to provide proof of attempts at rectifying issues with the company and then the bank would contact said company as a further attempt before any of this chargeback jibber jabber!

No, it's actually not fraud.

He is paying twice for his intended service and will not be able to enjoy the benefit of the first payment. If he could use the first one that would be unjust enrichment.

Accidentally paying for a service you cannot benefit from for whatever reason is a mistake- a genuine error. He certainly can request reversal of the charge and should expect the account to be immediately unsubscribed and inactive.

Book a hotel accidentally twice for the same time period and see if the credit company has a problem reversing one charge if the hotel won't. What he can "technically" do is irrelevant. Credit card companies aren't there to judge people, they are there to keep their customers happy (and spending)- even if SE isn't.

SE has to sign agreements with card companies to accept their terms... so if a customer isn't getting satisfaction from them, they are certainly well within reason to go to the next step.