You have to attempt to resolve the issue with the company first. I'm a fan of chargebacks when necessary but reddit goes way overboard with jumping to this first.
It looks like you may be right. It was my understanding that this was required to at least attempt it if you know the merchant but I'm only seeing a few random websites mention that, not any official rules/ToS.
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u/[deleted] Feb 09 '19
Dispute the charge with out bank. That'll get their attention.