What I was trying to indicate, was that the bank said the "chargor" had to agree that the charge was fraudulent, otherwise, I needed to prove I didn't purchase the item or receive the service. To me, this is un-American, I won't prove my innocence.... well, lets not get into that
Most merchants are honest, and as mentioned Amazon whips its associates into shape. I had one that shipped me the wrong item, then denied it, one email to Amazon, and it was straightened up. Just beware if the merchant insists you got what you got charged, to preserve their bottom line, you might have a problem on your hands.