Dissatisfied customer

[Shougun]

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!

Depends on the card's features me thinks. An important line in ApolloGenX's post would be the satisfaction guarantee. The wording and feature lists change depending on cards and accounts but I've got a few cards I could easily be in OP's situation and get all my money back with or without SE's consent (and be within the legal right of my card's protections). Keep in mind though for anyone thinking about doing this, SE could also find your business annoying and not want to do it again with you :P.

Some genereal features people might find on their cards that could relate to this:

Purchase protection: if the stuff breaks within a time frame, even if the company doesn't have a warranty your card might help set you up with a solution
Return protection: if you made a mistake, didn't receive, or even just didn't like the product within a specific period of time the card company will help you as well - even if the retailer refuses