I am not an Apple customer, but was charged by apple.com/bill for a subscription. After numerous phone calls and chats and being promised a refund, it never happened. Now I'm told the time to dispute has passed! It was their delays in taking care of it that caused the time to lapse. Horrible handling of an obvious fraud and they offered no explanation for their negligence in taking care of it. This confirms it, I will NEVER be an Apple customer.