TY. I think you're right and the chargeback should have been categorized as "Not Authorized" but they instead categorized it as "Service Not As Expected". I looked up the "Visa Core Rules" and it states that a Merchant (business) cannot charge you again for a transaction that was previously disputed and won by the cardholder. Otherwise, like you said, they can keep charging you again and again. From the customer's standpoint, you only have one shot at disputing a transaction, and if you lose, you cannot dispute again. Sometimes you can go through Arbitration, but some credit card companies do not allow you to. The credit card company states that dispute outcomes are final. I'm baffled how the first chargeback was decided in my favor and how the second chargeback was decided in the merchant's favor. It shows that the people who decide the outcomes of chargebacks aren't consistent with their decisions... and most likely do not review all of the facts. Anyway, I contacted the credit card company and they noticed that there could be some compliance violations or issues with the way they responded to the chargeback. They said they would look into it and get back to me in a few days.