A chargeback should not be allowed after 60 days but the banks break their own rules all the time.
In cases of fraud they do whatever they want.
Its theft.
The merchant takes the loss and writes it off as cost of goods sold. You cant even insure against it as its not a capital loss like stolen money. Nor can you claim a loss of profit.
I have had cashiers checks bounce. Now I take them to the originating bank and cash them before delivering the goods.
I dont deposit them, I learned the hard way.
Mail order of high value goods has risk. Once in awhile you get f'cked. I just hate it.