Originally Posted by
cbn42
I don't think that is a proper use of chargeback. You are only supposed to dispute the cost of goods or services you did not receive as agreed upon. For example, if you book a round trip ticket and the airline goes bankrupt after you use the first segment, you would only chargeback the portion you couldn't use. Since you did receive the goods you wanted to buy but you did not request the service of currency conversion, you should only chargeback the latter.
Nahh.
That's not what the Fair Credit Billing Act says. The entire amount is disputed because the total amount charged is not correct. Charges in the wrong amount are billing error amounts. See, e.g.,
http://www.consumer.ftc.gov/articles...t-card-charges.
The FTC site is a tad out of date since the Federal Consumer Financial Protection Bureau took over most of the consumer credit card area but it is correct on this. Take a look at the FCBA if you want to know more.
https://en.wikipedia.org/wiki/Fair_Credit_Billing_Act but remember that it has to be read in conjunction with the relevant Federal Reserve Board Regulations and staff commentary.
Best book in the area (highly technical) is the National Consumer Law Center's Truth in Lending work.
http://shop.consumerlaw.org/truthinlending.aspx. Most decent law libraries have a copy.