You used reason code 12.3. Looking that up finds https://www.chargebackgurus.com/char...essing-errors#

Your language looks good, especially since it worked

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?

Chase replied to our secure message with a description of how to dispute a charge, which is not helpful since we already disputed the charge and so indicated in the original secure message. I replied that there wasn't space to add text and wanted the message to be part of the dispute file.

I just withdrew PhP 10,000 from my Navy Federal Credit Union (NFCU) checking account, using an NFCU debit card in a Euronet ATM in "downtown" Lazi, Siquijor, Republic of the Philippines.

Thanks to this thread, I declined DCC. :tu:

Looking at a receipt left by the previous customer 30 minutes earlier, he or she wasn't as fortunate. :eek:

However, the exchange rate was only PhP 56.50/$, compared to the xe.com rate of PhP 58.51/$. :(

Chase replied to this by suggesting I call customer service. This is starting to be annoying. I suppose I'll just sit tight and see what happens.

If the dispute already resulted in you getting a credit, I'd sit tight. If they later deny or take back the credit maybe escalate?

That's the plan.

It's just that the secure message responses are a bit annoying.

Recent DCC datapoints at ATMs:

Singapore: 3.85% HSBC, 3.99% UOB, none at OCBC or Citi.

Obtaining EUR while transiting FRA, 18% TravelEx

Revolut recently replaced my US-issued debit card with a UK-issued one. Not sure why, but that now opens up the opportunity for me to test out some domestic DCC. Anyone interested in any particular stores or POS systems (i.e. if a smaller business somehow enabled DCC by virtue of adopting Clover or Toast or something)? No guarantees but if I can justify purchasing something small (or if it's a purchase I'm already going to make anyway for other reasons), I can try tapping or inserting the Revolut card instead.

From a cursory search, it appears that Toast doesn't support DCC but Clover can if the merchant enables the feature. I'd be curious to see how many small merchants have chosen to enable this given the fact that the overwhelmingly dominant card currency would be USD.

Tried at one Clover merchant so far and got no DCC prompts. I'll keep an eye out and see if there are any, but I suspect it might not be common as you mentioned.

Took the family skiing in Austria (Zillertal) last weekend and my US CSR triggered DCC at every POS (hotel, ski pass, rental, eateries, etc) . 'press 1 for USD, 2 for EUR' pressing the green button defaults to USD. Super annoying, especially when paying by tapping my android phone.

oliver2002 same, though my time was more in Czechia and Hungary than Austria in Nov 2024.
Even with Apple Pay
But it wasn't hard nor confusing to opt out of. Service staff pretty much knew non-CZK/HUF charging was not to my benefit (nor theirs).

I saw a number of these PNC Bank branded ATMs at SAN that had stickers that said "Dynamic Currency Conversion". The sign below the screen said that there was a $3.99 surcharge. I don't know if it's possible to get to the DCC prompts prior to the surcharge, however.

https://cimg0.ibsrv.net/gimg/www.fly...deeb0c820f.jpg