Import/Export - do I even know you?
I've never had a problem with any merchant account or otherwise.
I have a 100% feedback rating on Ebay for several thousand transactions.
In over 5000 transactions on PayPal, I have had 0 chargebacks.
The only 3 chargebacks I have ever had have been on the 3rd party system mentioned above, which is why I'm just dropping them.. My guess is their system has very poor fraud detection.
The chargebacks wouldn't be charged to me, as they already have my money. However, the TMF list sounds nasty and makes me glad I asked.
Still, I wish there was something that could be done about these people. I don't think they are stealing money, they are just terribly terribly incompetent.