Originally Posted by
abaheti
No clue what Visa or Chase Sapphire Reserve will do (experience welcomed).
There isn't a specific DCC chargeback with Chase, but click on the ">" next to the transaction after it posts. Then scroll down and click "Report a problem >". There's an option that says, "I was charged a higher amount than expected." I think that would be the most appropriate among the available options. You can look at the posted transaction date and consult with Visa
here. Enter your transaction date, 0% for the bank fee, the amount in MAD, and USD for your card's currency. This is the rate that you should have paid absent DCC.
In the comments you can state something like, "On November xx, 2022 I had a transaction with this merchant in the amount of xx MAD. The merchant refused me the option of processing the transaction in local currency, and I was involuntary charged in USD. I want to pursue a Reason Code 12.3 chargeback to be billed in local currency for this transaction."
While unfortunately with a non-signature transaction it's not possible to deface the merchant receipt before handing it back (and taking a photo for proof on your side), under the Visa network rules the way the transaction was processed should make no difference in your recourse.
Originally Posted by
abaheti
As an aside, man, the ATMs in Portugal were quite confusing. We fell for the scam on our first need for quick cash but then (thanks to FT!) started rejecting the conversions, but the phrasing makes it sound like you are cancelling the entire withdrawal vs just the DCC (even at the post office ATMs)... never seen anything like it.
Many implementations at both ATMs and retail locations are like this. They make it seems like you are canceling the transaction or going back to correct something. For instance, a common implementation has a button on the left that says "< DECLINE CONVERSION" and on the right that says "ACCEPT CONVERSION >". The < arrow makes it seem like you're going back or correcting something, and the > arrow seems like the intuitive route. This is despite Visa and MC network rules clearly stating that setups like this that either corral or confuse customers into accepting DCC are not allowed. (Of course, this isn't enforced.)
I agree with your wife if the merchant is being intransigent that it's best to try to fix this on the back end with your card issuer. I'm hoping Chase chooses to do the chargeback rather than just issuing a courtesy credit. If you feel comfortable sharing, what was the transaction amount in MAD and the amount with DCC in USD?
Please keep us posted.