Originally Posted by
upnorth
I contested the charge and they declined to cancel and be recharged in local currency. They said no signature is needed so if you gave the card the transaction happened.
US Bank claimed the transaction happened or the hotel? Sometimes it's difficult to get the card issuer to take up the dispute with the merchant. Often for DCC the issuer will simply credit your account if the amount is small. If a US card issuer is being intransigent I wouldn't hesitate to file a Consumer Financial Protection Bureau complaint to force the card issuer to take up the chargeback.
The second situation is simply a merchant not providing goods or services for which you were charged. This is typically easier to resolve in your favor.