Charge backs are generally not for returns.
If the charge was legal and within contract and customer regulations, then Hover might very well just challange the charge back.
If the charge was legal and within contract and customer regulations, then Hover might very well just challange the charge back.
Additionally, as someone who has been on the receiving end of chargebacks a number of times I can tell you merchants have a higher burden of proof in things like this. Even submitting perfect evidence can get ruled in favor of the cardholder.
I've had what I thought was bullet-proof evidence before and lost an appeal (as a merchant).