I am having a difficult time with a chargeback issued by Kelley's Music Emporium in Massachusetts. They ordered a guitar neck from my online store, I shipped it, they received it, then they filed a dispute. I responded with all the docs and signed Fedex Proof of Delivery to my merchant bank. I also talked to KME by phone. They told me their mistake and they would call their bank to reverse the chargeback (now the owner denies ever talking to me). Months later, TD Bank ruled in KME's favor and took the money out of my merchant banking... read full review »