Well, here's how it works:
The CEO doesn't care, cause he's got enough money that he doesn't have to, so he sets policy to be, hey, screw you, no refunds.
The vp says, ok, I wanna keep making enough that eventually I won't care, so I need to enforce the policy.
The manager says, ok, well, I need this job, cause I'm not a vp or a ceo, so I need to keep the policy ball rolling.
The employee says, I'm a wage slave who works hand to mouth, paycheck to paycheck, so I'll follow the policy.
The ball rolls the other way when the customer says,
"I'll charge it back." The employee says, well, that's 50$ per chargeback and how much ever for the service we'll lose, so I need to take this to the manager to get it approved. The manager approves it, cause losing that other money is much worse than losing a customer. The vp justifies this to the ceo based on bottom line, and the whole thing works out. Is it good customer service? no. Does it work in the end if you know to tell them you're going to do that? yep. Drop that bomb right off the bat and you'll be suprised how many places apologize and refund you up front.
Note to those who actually get to read this: Most credit card companies only chargeback up to 90 days! If you're getting screwed by a company like, say, aol, make sure to call them and tell them you're going to chargeback within 40 days of the bad charge, cause it sucks to get screwed out of that money.