1. What is a Payment Dispute or Chargeback?
A payment dispute (also called a chargeback) occurs when you contact your bank or card issuer to reverse a charge that appears on your statement. While disputes exist to protect consumers from fraud and unauthorized transactions, they should not be used as a substitute for customer service or to obtain refunds for services that were delivered as described.
2. Immediate Consequences of Filing a Dispute
When you file a payment dispute against a charge from GoonsAI.com, the following actions are taken automatically and immediately:
- Your account is immediately blocked - You will lose access to all services, including any remaining subscription time
- Your account is permanently locked - The account associated with the disputed charge cannot be reactivated under any circumstances
- All associated accounts are blocked - Any accounts linked to your payment method, email address, or device may also be restricted
- Future service access is denied - You will not be able to create new accounts or use our services in the future
These consequences are automatic and irreversible. We take this strict approach because disputes are costly, time-consuming, and often represent an attempt to receive services without payment.
3. Our Automated Dispute Response Process
GoonsAI.com employs an automated dispute response system that activates immediately when a chargeback is filed:
3.1 Evidence Collection (Within 24 Hours)
Our system automatically extracts and compiles comprehensive evidence, including:
- Complete account usage logs and activity history
- All video generation requests and outputs created
- Timestamps of service usage
- IP addresses and device information
- Account creation and subscription details
- Evidence of service delivery and consumption
- Communication records with support
- Proof of acceptance of our terms of service and policies
3.2 Evidence Submission
Within 24 hours of receiving dispute notification, this evidence package is automatically submitted to:
- Stripe - Our payment processor
- Your card issuer or bank - The institution that processed the dispute
- Card networks - Visa, Mastercard, American Express, etc.
- Fraud prevention databases - To document fraudulent chargeback attempts
- Law enforcement - If the dispute involves false claims of fraud or unauthorized charges
3.3 Dispute Fee
When you file a dispute, we incur an immediate $15 USD chargeback fee from our payment processor. This fee is non-refundable to us even if we win the dispute, which is why we aggressively contest all chargebacks with comprehensive evidence.
4. Dispute Timeline
The payment dispute process follows a standard timeline set by card networks:
- Day 0 - Dispute filed by cardholder; funds immediately debited from our account
- Day 1 - Our automated system collects and submits evidence (within 24 hours)
- Days 7-21 - We have this window to respond with evidence (we respond within 24 hours)
- Days 60-75 - Card issuer reviews evidence and makes a decision
- Days 60-90 - Full dispute lifecycle can take 2-3 months to complete
During this entire period, your account remains permanently locked, and you have no access to our services.
5. Legitimate vs. Illegitimate Disputes
5.1 When Disputes Are Appropriate
Payment disputes are legitimate when:
- Your card was stolen and used without your authorization
- You were charged but never created an account or used our services
- You were charged an amount significantly different from what was agreed
- You were charged after explicitly canceling your subscription in advance
5.2 When Disputes Are Inappropriate
Disputes should NOT be filed when:
- You are dissatisfied with the quality of AI-generated content
- You forgot about your subscription or didn't realize it would renew
- You want a refund but our no-refunds policy applies
- You changed your mind after using the service
- You experienced a technical issue that was resolved or could have been resolved by contacting support
- You disagree with our policies after agreeing to them during signup
Filing a dispute for these reasons constitutes "friendly fraud" and may be reported to fraud prevention services.
6. What Happens When You Lose a Dispute
If the card issuer rules in our favor (which happens in the majority of cases when we provide evidence):
- The funds are returned to us from your bank
- Your account remains permanently locked
- You may be charged additional fees by your bank for the failed dispute
- Your bank may note the fraudulent dispute attempt on your account
- You receive no refund and no service access
In summary: Filing a dispute doesn't help you - it only guarantees you lose both the money and access to the service.
7. If You Accidentally Filed a Dispute
If you filed a payment dispute by mistake or without understanding the consequences:
Take these steps immediately:
- Contact your bank or card issuer immediately - Ask them to withdraw or cancel the dispute
- Email us at support@goonsai.com - Explain the situation and provide proof that you've withdrawn the dispute
- Act within 24-48 hours - After our automated system submits evidence, it becomes much more difficult to reverse
Please note that even if you withdraw the dispute, we may not be able to restore your account access depending on the circumstances and timing. Account restoration is not guaranteed and is at our sole discretion.
8. The Better Alternative: Contact Support First
Before considering a dispute, always contact our support team:
- Email: support@goonsai.com
- Response time: Typically 24-48 hours
- We can help with: Billing questions, technical issues, account concerns, subscription management
While we maintain a strict no-refunds policy, we are always willing to:
- Investigate billing errors or duplicate charges
- Resolve technical issues affecting service delivery
- Clarify subscription terms and billing cycles
- Answer questions about our policies
- Assist with account management
Communication with support is always better than filing a dispute, which guarantees negative outcomes for you.
9. False Fraud Claims
If you file a dispute claiming "fraud" or "unauthorized charges" when you actually authorized the charges and used the services:
- This constitutes making a false statement to your financial institution
- Our evidence package will prove the charges were authorized and services were used
- We may report the false fraud claim to relevant authorities
- Your bank may take action against your account for filing false claims
- This behavior may be reported to fraud prevention databases
Making false fraud claims is a serious matter that can have consequences beyond just losing access to our services.
10. High Chargeback Rates and Compliance
Payment processors and card networks monitor merchant chargeback rates. Businesses with high dispute rates face:
- Higher processing fees
- Account restrictions
- Potential loss of payment processing capability
- Enrollment in monitoring programs
- Monthly fines and penalties
This is why we take every dispute seriously and submit comprehensive evidence for every single chargeback, regardless of the amount.
11. Understanding Your Rights
You have the right to dispute charges with your bank. However:
- This right is intended for unauthorized or fraudulent charges
- It is not a substitute for requesting a refund from the merchant
- Merchants have the right to defend against disputes with evidence
- Merchants can terminate service to customers who file disputes
- Filing false disputes can have legal and financial consequences
Our policies comply with card network rules and payment processor requirements. We have the right to defend our business against illegitimate disputes and to refuse service to customers who abuse the dispute process.
12. Summary: Why Disputes Don't Help You
When you file a dispute against GoonsAI.com:
- Your account is immediately and permanently locked
- You lose access to any remaining subscription time
- We automatically submit comprehensive evidence within 24 hours
- The dispute process takes 2-3 months to resolve
- If we win (which is likely when we have evidence), you get nothing
- If you lose, you may face fees from your bank
- False fraud claims may be reported to authorities
- You cannot create new accounts or use our services in the future
The better option is always to contact support first at support@goonsai.com
13. Related Policies
This Dispute Policy should be read in conjunction with:
- Refund Policy - Our no-refunds policy for digital services
- Terms of Service - Complete terms governing service use
- Privacy Policy - How we handle your data, including dispute evidence
14. Questions or Concerns
If you have questions about a charge, your subscription, or our policies:
- Contact us first: support@goonsai.com
- We respond within: 24-48 hours
- We can help with: Most billing and service issues
Remember: Contacting support maintains your account access and relationship with us. Filing a dispute immediately and permanently ends both.