Banks and financial institutions become partners in crime when they process payments to fraudsters. Fake antivirus scams and rogue Internet pharmacies relentlessly seek customers willing to trade their credit card numbers for a remedy. Researchers from the University of California, Santa Barbara spent several months infiltrating three popular fake antivirus (fake AV) affiliate networks. When customers requested a refund, the fake AV firm either ignored the request or granted a refund. The pattern reflects each fake AV programs desire to minimize the threat from chargebacks”]
Source: https://krebsonsecurity.com/2011/07/which-banks-are-enabling-fake-av-scams/