Usually they ask you to fill an online form and attach any evidence.
After that it always felt like a call center employee decided whether to start the refund or not.
If you write something smart, well researched, polite, and long, chances are that poor person will just skim through it and click “accept”.
Then on the other side the company has 30-45 days to object via their bank.
With big companies they probably think it’s not worth their time.
With small companies the bank notices about a new dispute probably go to an inbox nobody monitors.
Usually they ask you to fill an online form and attach any evidence. After that it always felt like a call center employee decided whether to start the refund or not. If you write something smart, well researched, polite, and long, chances are that poor person will just skim through it and click “accept”.
Then on the other side the company has 30-45 days to object via their bank.
With big companies they probably think it’s not worth their time.
With small companies the bank notices about a new dispute probably go to an inbox nobody monitors.