Originally Posted by
abaheti
I can't take credit for 12.3, the FT collective told me what to do. :-) Because it is a dispute on a consumer card, they should credit you back immediately, then investigate if they want to (which is why I sent the secure message as well). I got the credit and never heard from anyone beyond the secure message rep saying something like the issue had been resolved or closed, something like that. Please post the language and steps you use so we have a recent template to follow.
I disputed, including uploading the receipt (not the credit card receipt - paid with Google wallet so didn't get a print). Secure message text: "Regarding [name] dispute: Merchant did not advise it was charging in dollars instead of local currency. The conversion was done without my knowledge or consent. I want to pursue a Reason Code 12.3 chargeback to be billed in local currency. Bill was xxx euros. Visa rate on 1/15/2025 was $yyy. Any additional charge was not authorized by me." I then got an email listing the disputed amount (they did the math).
BTW, the increase was 5.87%. Perhaps they added some amount in addition to the DCC surcharge?