>It's bizarre to me, because a relatively minor repair had to be cheaper than giving me three multitools and six accessories for negative dollars (since the bank tosses fees on top of the chargeback). The companies have no incentive and know they're going to lose (see all the articles complaining about 'friendly fraud' to reference chargebacks) yet they do it.

From where I'm sitting (business owner who handles my own customer support), this seems like a classic case of the business's incentives not aligning with the employee's.

Minor complaints are often much harder to deal with (and care about) than major ones, and far more likely to explode into something nasty. Couple that with the fact that the support rep doesn't see a cent of that transaction, and I can see why they would want to shut down the interaction ASAP.