So, it turns out that any customer who wants to screw over a
developer, either as a prank or as some sort of vindictive revenge,
can easily do so.  All they have to do is dispute your purchase and
their credit card company will ask Google to politely fine you, the
developer, three bucks...then Google won't even consult you about it.
They'll just take your money!  This customer never contacted me for a
refund, I have no idea who they are, they're just a quiet transaction
that occurred without incident over a month ago.  He simply saw a
loophole that would screw me over with no opportunity to defend myself
and apparently Google won't do anything about it.  In fact, they're
the ones who charged me the $3 "fine" even though THERE IS NO LOGICAL
ARGUMENT THAT I DID ANYTHING WRONG AT ALL since no contact was made
and no refund was ever requested.

So I didn't simply lose the money on the purchase, breaking even as it
were, which I have no problem with since I would have happily issued a
refund if requested.  No, in actuality, this transaction fully negated
one other transaction since the chargeback fee undoes another one
additional purchase (my app costing about $3 at the time this customer
bought it).

Beware Android developers.  This loophole provides an easy means to
financially hurt you with fines automatically charged to your account
by Google without any consultation and apparently with no channel for
dispute or defense.  It's simply done, and you're screwed, and that's
the end of it.

Yeah, it's in the TOS, but that doesn't justify it.  It's still a
disgusting thing to do to us.

It's B.S. like this that made me never go within a hundred miles of
the iPhone.  Do I have to abandon Android out of fear that it might
actually cost me money to sell apps for this system when I've clearly
done nothing wrong?

This is totally, completely inexcusable.  Just another gigantic
company ripping off individuals making peanuts.

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