No, disputed charges must not be reported to any credit register, Schufa or other. Only undisputed charges or court-certified decisions can be entered into a credit register. Even the repeated threat of reporting the charge to the credit register is illegal in many cases [1].

[1] https://www.wbs-law.de/datenschutz/unternehmen-darf-nicht-mi...

It's not a charge back in that sense when you report fraud or card theft.

And I suppose that the effect you describe results from abusive requests from charge backs. I doubt you will be refused a mortgaged because you were a victim of theft in the past...

> I doubt you will be refused a mortgaged because you were a victim of theft in the past...

Don't be so certain about this. The credit reporting agencies are evil, nasty blackboxes and it is not transparent how your score is influenced, even by fraudulent stuff.

While I hate the Schufa with a passion, it is not as clear-cut and automated as you make it seem. Before anyone can do shit with your Schufa score (or the other smaller credit reporting agencies arvato infoscore and Creditreform), they have to formally remind you of the debt that you have due to the charge-back before, and you can always contest fraudulent entries at the credit reporting agencies.

Additionally, you can and should file a police report for fraud when hit with such a scheme, it makes dealing with your card-issuing bank and the CRAs so much easier.

Can confirm that the police fraud report helps grease the gears (in the UK, this is done through Action Fraud).

The bank went from "we won't help you" to "oh, we'll fix that" about as soon as I told them I had a crime reference number...

I guess this has something to do with the penalties for making a false police report being much higher (in criminal law terms) than lying to a bank.

Charge back for a credit card? That's the first time I hear of this. Do you have citations for this?

Contesting a charge is a primary feature of credit cards — at least in the US. There’s a prominent link when I login to my credit card account allowing me to contest any charge, and a litany of reasons which you can then select from, ranging from “I don’t recognize / didn’t make this charge” to “Item was not delivered”, “Item was returned”, etc.

I've been imprecise, sorry. What I meant: how lead chargebacks to a credit card to a negative Schufa entry? I've never heard of this.

It's the one saving grace for using something so insecure for payments. At least the credit card company and/or merchant share that risk.

The CC offloads all of the risk + a fine to the merchant, they assume none of it.