I run a small web design and marketing business. A client paid for 24 months without issue, then suddenly disputed the last 4 months of charges ($600) via chargeback—which was the maximum timeframe he could dispute. The money was withdrawn from my account, and I was also charged $100 in additional fees.

After I submitted my evidence, he called me claiming his wife initiated the disputes because they hadn’t realized they were still being billed for 24 months. He admitted responsibility for not monitoring his statements but now argues that he should have been on a lower-cost plan since he didn’t fully use the service he originally agreed to.

He also believes he should be retroactively prorated to a lower plan for all 24 months and refunded the difference. However, I provided the service throughout this entire period, and his business’s website relied on it to function properly. I submitted evidence proving this.

Now, he’s asking me to approve the chargebacks and provide a full year of free service to “make it right,” or he will push his bank to investigate all 24 months of payments in an attempt to dispute even more charges beyond the chargeback window.

Do I just let the investigation run its course and ignore him, or try to cut a deal (refund half of the dispute) and be done with this?