This sucks.

Our largest bank over here is doing similar. We used to keep copies (or even maintain copies) of complaint forms and fax them to the banks with the offending DCC slips.

We don't have to explain what DCC is cos fortunately the HK Monetary Authority (which is the CFPB and the Fed combined) has already explained it and what we can do about it.

Unfortunately the bank is refusing to accept chargeback forms initiated by fax any more.

We're going to try using the secured message system - flag a transaction up for DCC, have them open a complaint and send us a form, then we'll fax or email it back.