Chargeback & Dispute Rule Watch

Why this is recommended

A 120-day dispute window that a cardholder thinks is 60, a network rule that now covers a canceled flight, an issuer that moved disputes into an app with a different deadline, or a marketplace that changed how it responds are each the difference between $500 back and $500 gone.

What the Tab covers

Who it is for

Everyone who has ever been charged for something they did not get, which is everyone with a card, and the small merchants on the other side of the dispute.

When it runs

Card networks update rules in April and October and issuers post dispute changes at the start of the week

Scope

Visa, Mastercard, American Express and Discover dispute rules, reason codes, timelines and compelling evidence standards; dispute process, deadline and app changes at Chase, Capital One, Citi, Bank of America, Wells Fargo, Discover, American Express, U.S. Bank, Barclays, Synchrony and the 20 largest issuers; Regulation E debit and bank disputes; merchant dispute handling at Amazon, Airbnb, Vrbo, Ticketmaster, StubHub, airlines, Uber, DoorDash and PayPal; friendly fraud enforcement; subscription, free trial and negative option dispute rules; cancellation dispute guidance; CFPB complaint data

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

Visa, Mastercard, American Express and Discover chargeback rule, reason code and timeline changes, issuer dispute process, app and deadline changes at the 20 largest card issuers, debit and bank dispute rule changes under Regulation E, merchant dispute response changes at Amazon, Airbnb, Ticketmaster, airlines and the big marketplaces, friendly fraud enforcement and account closures for abusive disputes, subscription and free trial dispute rules, travel and event cancellation dispute guidance and CFPB complaint data by issuer, with the network, issuer or merchant first and the deadline in the title.

Track payment disputes and chargebacks for US consumers. Report only confirmed, source-backed items from the last 7 days: Visa, Mastercard, American Express and Discover chargeback rule, reason code, timeline and evidence standard changes with effective dates; dispute process, deadline and app changes at Chase, Capital One, Citi, Bank of America, Wells Fargo, Discover, American Express, U.S. Bank, Barclays, Synchrony and the other 20 largest issuers; Regulation E debit and bank account dispute rule and guidance changes; merchant dispute handling changes at Amazon, Airbnb, Vrbo, Ticketmaster, StubHub, major airlines, Uber, DoorDash and PayPal; friendly fraud enforcement and account closure policies; subscription, free trial and negative option dispute rules and FTC actions; cancellation and non-delivery dispute guidance for travel and events; and CFPB complaint data releases by issuer. Prefer card network rule bulletins, issuer pages, the CFPB, FTC, merchant policy pages and established consumer finance reporting; ignore unverified forum advice. Put the network, issuer or merchant first in the title with the rule and the deadline. Use high severity for a timeline change at a top network or issuer, a rule that newly covers or excludes a common dispute type, or an FTC action with refunds. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for what changed, who it affects, how to dispute, the deadline, and the source link. If nothing qualifies, push nothing and submit the run receipt.