After altering a pony (multiple hair washes/styling) you don't get to file a chargeback to get a refund. That's not how it works. You okayed a pony, you bought a pony, you deal with the pony. If you're not satisfied, and the seller did nothing wrong/nothing happened in transit, its on you to sell or trade the pony. Your buyer's remorse is not the fault or responsibility of the seller, ever.
It is YOUR responsibility as the buyer to do research. You should never, ever buy an $800 pony (or anything else for that matter) if you don't know how they should look. If you had questions, you should have told them to Tak and had her ask the seller. When buying and selling online, you need to communicate and have a lot of patience, especially if you're buying/selling with people in other countries.
I really hope DrEsmeRose's Paypal account isn't affected by having a false chargeback issued against them since they never did anything wrong. That's really worrying. $800 is no small sum and a chargeback is very, very serious.
Tak has mentioned a few times in the other thread that she did not actually file a chargeback but her CC company or bank, whoever she called, told her its fine to file a chargeback when an item is "not as described" which I've never ever heard before. That's what normal cases and refunds are for.
I'm glad you looked into it and found out more about what your CC company was talking about. That definitely sounds like a nice and helpful program. I'm glad there was more to that part of the story than just an overzealous company over encouraging chargebacks like it seemed at first! Its a shame they weren't very clear with you but at least you know now :)