Update: It's been well over the 60 days that the merchant has to respond, and they haven't filed a response with Chase as of today. I've called Chase Disputes several times about getting closure and official confirmation that the dispute has been resolved, and I keep hearing different things from Chase Disputes (even supervisors).

Several reps told me that there's a department that will eventually review the dispute and close it out and that I'll eventually receive a finality letter saying it's been resolved. One rep told me that a merchant can respond any time forever and that it's never resolved, so I'll never receive such a letter. Another rep said I can fax in a letter requesting a finality letter, but he doesn't know what they'll say but they're required to respond in 30 days. Figuring it can't hurt, I went ahead and sent in such a letter.

I feel like I'm getting the runaround and a bunch of BS since nobody at Chase will give me a straight answer about how the process works. I've found this Disputes department -- both the regular people and supervisors -- to be cryptic and intentionally unhelpful (e.g., regurgitating non-responsive scripted talking points when you repeatedly ask them a very specific question), which makes me think this particular department is in constant "CYA" mode.

Can anyone offer any insight on the process of getting this finalized? Thx.