Not mine but this is actually what I did too.
I said I plan to charge back on my credit card. They threatened that if I did that, they can’t promise my account wouldnt be flagged.
I said “bet” and they removed the cancellation fee and cancelled the service.
Maybe I’m too dumb for this, but doesn’t it very much leave a trail? Enough for one party to at least go to their bank in a fake panic saying “help I accidentally sent money to this person please revert this”. Note that hasn’t ever happened to me or anyone I know so dunno if its even possible
Yes, they leave a trail. That’s why you can revert them, because the banks know that the transaction actually happened and how much it was for.