Well as someone that worked for a bank for 12 years I can tell you that you are not correct. If the company fraudulently took your money and did not send anything then yes. If they can prove the item was shipped then you may be SOL ( for instance a waybill number receipt for shipping showing your address etc) The culprit here is Canada Post. If the company did it's job it's not at fault here. Some credit cards will carry insurance ( such as RBC Visa's) that will allow you to make a claim for the lost items but it has nothing to do with the company and you will be limited to how many times you can make a claim. If they sent you a tracking number it's pretty clear they shipped it. Likely the claim needs to be made by TNA as they were the customer but you should try Canada Post as well.