How the math works
What each bank actually publishes — and what it does not
The filing deadline and the resolution timeline are two different clocks. The deadline is the one you control before you file; the timeline below is what happens after. Every date in the tracker comes from one of three sources, and the tool labels which is which:
| Bank | Who sets it | The published timeline |
|---|
| Revolut — fraud | Revolut's own help centre | Within 10 days of reporting — help.revolut.com |
| Revolut — ATM | Revolut's own help centre | Up to 45 days after reporting |
| Revolut — merchant disputes | Revolut's own help centre | Up to 90 days (US) or up to 120 days (Europe) — the same article, different regional figures; up to 85% resolve within 5 weeks |
| Wells Fargo — debit | Wells Fargo's own debit-card FAQ | "Some may take 45 to 90 calendar days to resolve" — wellsfargo.com |
| Chase — credit | Federal law (FCBA) | Written acknowledgment within 30 days, resolution within two billing cycles — Chase itself publishes no fixed decision date |
| Any US bank — debit fraud | Federal law (Regulation E) | 10 business days to investigate or provisionally credit; up to 45 days to complete (90 for new accounts, foreign, or point-of-sale) |
| Any other bank | Industry norm — not a bank's schedule | Most chargebacks resolve in 30 to 90 days end to end, from this site's own guide |
What this tracker will not do
It will not invent a date where none is published. Chase publishes no fixed decision date and no fixed provisional-credit schedule for credit cards, and no fixed Wells Fargo credit-card decision timeline was found in Wells Fargo's published materials — so for those cases the tracker shows the federal clocks that bind the bank and says plainly that the bank's own date does not exist. A tool that printed a confident date for those cases would be lying to you, and a wrong date is worse than an honest "not published" because it tells you when to stop worrying.
When to chase, in one rule
Chase the day after the bank's own published decision date passes with no outcome — and always in writing, in the app or by message, so there is a record. If the bank publishes no date, chase after a reasonable silence and ask for a status in writing. If the written chase goes nowhere, the escalation ladder is: reconsideration in writing with any new evidence, then your regulator — in the US, the Consumer Financial Protection Bureau at consumerfinance.gov/complaint; in the UK, the Financial Ombudsman Service. Read the bank-by-bank breakdown in how long does a bank dispute take — bank by bank.
Want the full bank-by-bank breakdown?
Revolut, Chase, Wells Fargo and the rest, stage by stage — what each bank publishes, what the federal law behind it says, and exactly when to chase.
Read the bank dispute timeline guide
Sources (verified October 26, 2026): Revolut — "Dispute process and timelines" (help.revolut.com, US article) for the 10-day fraud, 45-day ATM, 90-day dispute figures and the 85%-within-5-weeks note, and the European articles (e.g. France) for the 120-day dispute figure and the 15-day information-reply rule; Wells Fargo — Debit Card FAQs (wellsfargo.com) for the 45-to-90-calendar-day debit range; Chase — "How to Dispute a Credit Card Charge" (chase.com, published 2023-05-03, re-verified 2026-10-26) for the absence of a fixed decision/provisional-credit schedule and the FCBA figures; Regulation E (12 CFR 1005.11) for the debit-card 10-business-day investigation / provisional-credit and 45/90-day bounds; FCBA for the 30-day acknowledgment and two-billing-cycle resolution rules. Your cardholder or deposit account agreement is the final word.
General information only — not legal advice. Bank timelines change and your account agreement governs your dispute. Verify dates with your bank and, for federal rights, the FCBA and Regulation E texts themselves.
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