Originally Posted by
Majuki
It's a little more difficult to dispute an ATM transaction given that these ATMs offer a way to decline DCC (and the cash & balance scam), which I detailed in
this post. You can still try to dispute the transactions, but I suspect a company such as Euronet to vigorously contest any disputes.
File a dispute per the normal process with Chase. As I said in my previous post, at ~$5, Chase is unlikely to file a chargeback and simply credit you the money you are out. This further proves my point in cases of known forced DCC that it might be easier to use cash to avoid the situation. The staff were lying, of course, and the fact that you were in a rush didn't help attempt to resolve the issue at the time of the transaction.
As a best practice, I also look for merchants where there are customer facing credit card terminals. In cases where they hand me the terminal, I hold onto it until the receipt prints, showing local currency.
Ireland does bring out the terminals but she had me tap it but never let me see the screen like the other places we went all over Ireland. chase did refund me (Unfortunately I misread my receipt and forgot they stated the exact amount they charged me so they only refunded me $2.6 dollars instead of $3.5 euros) but I doubt Chase even bothered with the chargeback.
I didn't try with the Euronet because the Charles Schwab conditions explicitly state that they do not refund fees related to dynamic currency conversion and only if the fee was taken out in host currency. That was quite a bit of money and I could have tried but I doubt it would have worked as you did have to click yes.