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He won't request for a chargeback, but will claim he doesn't recognize the charge or claims he didn't do the purchase. The bank will do a chargeback then. If it was a Verified by Visa / MasterCard secure code purchase and customer claims he didn't receive the purchased items or service, the bank will do a chargeback as well.
I'm afraid that at some banks, initiating a chargeback is only a matter of clicking on a button in the online banking software. Most of my chargebacks come from the US, and never ever from Europe, except the UK.
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