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Encountering an unauthorized charge, a product never received, or a service not rendered can be a frustrating experience for any consumer. When direct resolution with a merchant fails, initiating a chargeback through your bank or credit card issuer becomes a powerful recourse. This process is designed to protect consumers from fraudulent or unsatisfactory transactions, essentially reversing a charge and returning funds to your account. However, many people wonder what truly happens after they click "submit" on their chargeback claim.