Client is partially wrong in the situation. They failed to read and understand the terms and conditions of the contract they agreed to, leading to their confusion and frustration about the auto-renewal service. Additionally, filing a chargeback without a valid reason is not appropriate and could affect their credit history negatively.
The business owner, on the other hand, did a good job of explaining the situation and the steps that the client could take to cancel the ad. They also reminded the client of the consequences of filing a chargeback without a valid reason, which is helpful information for the client to know. However, the business owner could have been more responsive to the client's messages and addressed their concerns earlier, which could have prevented the issue from escalating.