Most credit card disputes take between 30 and 90 days to resolve. The credit card dispute timeline depends on the type of charge, how quickly the merchant responds, and your card issuer's internal review process. Simple billing errors or unauthorized charges can often be resolved in 30 to 45 days. More complex cases, such as chargeback investigations involving a merchant challenge, may stretch to 60 to 90 days. During the investigation, many issuers will issue a temporary credit to your account

Filing a consumer complaint sounds simple enough, but the truth is that most complaints in the United States go unresolved — not because consumers don't have rights,