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Square dispute

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I signed up with a trainer (foolishly from a google search) for some sessions and he used Square, swiping my credit card.  I didn't know him and figured it was safer than cash.  


Paid him for 10 sessions I signed up for another round $1200.   I checked my CC statement and saw he charged me $1200 twice.  I figured it was just an oversight and when I asked him to fix it, he apologized and said he would fix it.  Instead he charged me an additional $1200 AGAIN for a total of $2400 unauthorized charges.  When I called unhappy after it was not fixed the second time , but made worse, instead of refunding immediately, he got very defensive, says he never got it, it was a problem w Square and to dispute it.  His story changed multiple times, so I don't believe him, but disputed it.  ("you'll have the money in 3 days" then, no "it's easier if you dispute it".etc)  It was around Christmas, so I think he figured he'd hit my card because he needed $ and would repay it later and apologize.  


The CC company gave me an immediate provisional credit of $2400 and say they will have a decision in 90 days after investigating.   CC company sent me a letter saying the are requesting info from the vendor, (him) if it's a legitimate charge.  I assume Square can track exactly where the money went.   Like did square deposit the money to his bank or not.   Does anyone know what happens it a situation where the vendor actually tells you to dispute it?  I have a hard time believing him, but maybe I am wrong.  From what I can tell, Square is reliable and not prone to accidental overcharges.   I just want the $2400 back and have moved on.  Thank you for any guidance.

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The trainer is foolish.  When there is a chargeback to a merchant, there is also a chargeback fee much like when a check bounces, there is a fee.  It's usually at least $25 plus the amount of the chargeback.  In this case it is two disputed charges, so now he is going to lose at least $50 plus the $2400.  If he is going to try scamming Square and not have the money in the account when the chargeback hits, then he is in for a rude awakening.  Square will shut him down and he won't be able to to accept further charges and his bank will most likely give him a charge for being overdrawn and he will get a black mark for that.  You should be made whole though as it sounds like he manually typed in your card info rather than swiped it. 

Edited by direct

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