So I thought I was going to do this for the team and disputed a small DCC amount happened in Dubai on the Chase CSR card. Details of the process from dispute filed on 02/08, to the merchant contest and the resolution proposed by Chase on 04/14 , are posted in this thread.

I thought the resolution would be final. I was NAIVE. NOTHING promised by Chase dispute dept rep over the phone and in the subsequent letter dated the same date of the recorded phone call she made, has ever happened. Instead, the full disputed amount was rebilled on 04/18 (reflected in the reduced Available Limit but not showed up as posted at the time I left for a cruise). The promised credit of $40 has never showed up on the card. We left for a 16 days cruise from 04/19 and did not have internet access until 05/05. That was when I first accessed Chase online and saw Chase had blotched the whole thing. We did not return home until 05/25. 2 statement cycles have gone by, the mistake remains.

This is no longer a simple DCC issue, but a serious lack of customer service and the issue of how poorly Chase handles disputes (of any kind).

There is a new thread in Chase forum started by a poster who had disputed with Chase a $2200 hospital charge without signature authorization that also was DCCed. So I posted my experiences in that thread.

See posts on the aforementioned thread where I provided more details and the frustrating experiences in trying to get the dispute handler to return my multiple calls to no avail.

http://www.flyertalk.com/forum/28368470-post9.html

http://www.flyertalk.com/forum/28384480-post17.html

http://www.flyertalk.com/forum/28390089-post19.html

At the end, it is still the US Bank absorb the DCC dispute amounts based on what has happened on my dispute and the dispute by the starter of the Chase dispute thread. The merchants learn they can be defiant and the US bank would then cite with the merchants when the amount is big, or give customer some good will to close the dispute. It is completely up to the cardholders to fend for themselves when traveling overseas to be extra vigilant on the DCC scam.

In the case of the small amounts of DCC, just call your banks and ask to speak to a supervisor / manager and complain. The higher up folks have the discretionary power to issue credit in small amount while the front line reps either have no clue of the issue or not being enpowered to do so.

DONT bother to file a formal dispute on small amount. If the amount is big, follow up the filing IN WRITING by sending a letter to the address listed at the back of your card statement or find that info online if your account is paperless. Only then, you could have legal protection on your dispute.

Finally, Chase has shown that it takes the side of the Merchants when the merchants contest the dispute (in the case reported in the thread) or handled disputes in a very cardholder-unfriendly way as demonstrating in my experience and others experiences reported in that thread.

Always remember, ONLY Dispute in Writing, would provide you the legal protection. That is why the banks try to make telephone and online disputes look easy so you are deceived to use those mechanisms and then forfeit your legal protection.