Let me check if I understand it correctly. A guy with a stolen credit card uses a merchant who uses your service to order some goods. The stolen credit card gets charged and money is successfully transferred to your account. You then send an equivalent amount in btc to the merchants wallet. Then you are being hit with a dispute due to the card being stolen and you having to foot the bill for the CC thief who walks away with the goods that you in essence paid for? Did I get it right?

Yup. I suffer as the merchant, the theif, the bank and the card profit