How long does a Wells Fargo dispute take?

Wells Fargo's own debit-card FAQ says some debit disputes take 45 to 90 calendar days to resolve. For unauthorized debit transfers, federal law (Regulation E) also requires a provisional credit within 10 business days when the investigation runs longer.

How Long Does a Bank Dispute Take? Bank by Bank

On this page

The short answer, bank by bank
Revolut: the clearest published timelines
Wells Fargo: 45 to 90 days for debit
Chase: no fixed date — the federal clocks
Every other bank: the honest fallback
When and how to chase

Get your exact dates for your case

Enter your bank, filing date, and case type — the tracker computes every checkpoint date for you.

Open the Bank Dispute Timeline Tracker

You filed the dispute. Now comes the part nobody warns you about: the wait. Most guides answer with a single number — "30 to 90 days" — but that number hides the fact that banks publish wildly different timelines, and some publish none at all. This guide gives you the bank-by-bank truth, each figure traced to the bank's own help pages or to the federal law that binds it. For the general chargeback timeline — filing, representment, resolution — see our companion guide how long does a chargeback take; this one is about what your specific bank says after you file.

The short answer, bank by bank

Bank	Case type	Published timeline
Revolut	Fraud	Within 10 days of reporting
Revolut	ATM problem	Up to 45 days
Revolut	Merchant dispute	Up to 90 days (US) / up to 120 days (Europe)
Wells Fargo	Debit dispute	45 to 90 calendar days
Wells Fargo	Credit dispute	No fixed published timeline — FCBA: two billing cycles
Chase	Credit dispute	No fixed published timeline — FCBA: acknowledgment in 30 days, resolution in two billing cycles
Chase	Debit fraud	Regulation E: provisional credit within 10 business days, decision within 45 days (90 for new accounts, foreign, or point-of-sale)
Any other bank	Any	Industry norm: 30 to 90 days — not a bank-published schedule

Revolut: the clearest published timelines

Revolut is unusually transparent here. Its help centre article "Dispute process and timelines" puts the figures in one place, and it is worth quoting exactly because the case type changes everything:

Fraud cases: within 10 days after you report the matter.
ATM cases: up to 45 days after you report — ATM investigations depend on the machine operator's records, which is why this window is longer than fraud.
Disputes: up to 90 days after you report — in the US article. The same article on Revolut's European help pages says up to 120 days. Same company, different regional figure: if your account is in Europe, use 120, not 90.

Revolut adds two pieces of context that matter. First, up to 85% of disputes are resolved within 5 weeks, while complex cases may take up to 12 weeks — so most cases land well before the 90/120-day edge, but the edge is the number to chase against. Second, on the European pages, a warning with teeth: if Revolut asks you for more information, it waits up to a maximum of 15 days for your reply and may then cancel your case. That 15-day clock runs from when Revolut asks, not from filing — so answer in-app the same day you are asked. (The US article does not state this rule, so the tracker shows it for Europe only.) Track the case in the app: tap the disputed transaction to see the dispute tracker, and Revolut says it updates you during each stage and explains any decision by email and in-app.

Wells Fargo: 45 to 90 days for debit

Wells Fargo's own debit-card FAQ answers the question directly: "We try to resolve disputes as quickly as possible, but some may take 45 to 90 calendar days to resolve." That range is the honest expectation for a debit dispute: a decision before day 45 is possible, but the published range is 45–90, and day 90 is the date to chase against. You can check the status by signing in to Wells Fargo Online, and Wells Fargo says it keeps you updated during the investigation.

Two additions. For unauthorized debit transfers, federal law adds a harder clock on top of the bank's range: Regulation E requires Wells Fargo to investigate within 10 business days and provisionally credit your account within those 10 business days if the investigation runs longer. For credit-card disputes, no fixed Wells Fargo decision timeline was found in its published materials — so the FCBA backstop applies instead: written acknowledgment within 30 days and resolution within two billing cycles. And for merchant-quality debit disputes, Regulation E's provisional-credit rule does not apply (it covers unauthorized transfers and bank errors, not merchant quality), so do not count on an early credit there.

Chase: no fixed date — the federal clocks

Chase is the honest gap in this guide. Its dispute page, "How to Dispute a Credit Card Charge", publishes no fixed post-filing decision timeline and no fixed provisional-credit schedule for credit cards — its own wording, carried over from the filing guidance, is that timing of credits and response times differ by dispute. A guide that printed a confident Chase decision date would be inventing it.

What does exist is federal law, and it is specific. For credit cards, the FCBA requires Chase to acknowledge your dispute in writing within 30 days of receiving it and to investigate and resolve it within two billing cycles. Because billing cycles vary by account, there is no single calendar date a tool can honestly print for that second clock — ask Chase in writing for the two cycle dates that apply to your case. For debit cards, Regulation E is tighter: 10 business days to investigate or provisionally credit an unauthorized transfer, and up to 45 days to complete the investigation (90 days for new accounts, foreign transactions, or point-of-sale transactions). For debit merchant disputes, the provisional-credit rule does not apply, and Chase publishes no schedule of its own — so the practical move is a written status chase, not a date. The full filing-side picture, including the 60-day-vs-120-day trap, is in our Chase dispute guide and the Chase Dispute Navigator.

Every other bank: the honest fallback

If your bank is not Revolut, Chase, or Wells Fargo, this guide will not pretend to know its schedule. The fallback is the industry norm from our general timeline guide: most chargebacks resolve in 30 to 90 days end to end, with simple, well-documented cases near the 30-day end and contested cases toward 90. That is a norm, not your bank's promise — and if your bank gave you its own expected date in your case messages, that date beats the norm every time. One federal clock still applies regardless of bank: for US debit fraud, Regulation E's 10-business-day provisional-credit rule binds every bank, not just the ones named here. And if your dispute is with Wells Fargo specifically, see the Wells Fargo Dispute Navigator for the filing side.

When and how to chase

Chase the day after the published date passes. For Revolut fraud, that is day 11; for a Wells Fargo debit case, day 91; for a Revolut European merchant dispute, day 121. The tracker computes your exact date — run it for your case.
Chase in writing. In-app message, secure message, or email — not just a phone call. A written chase is what a regulator complaint later rests on, and it forces a written answer.
Quote the bank's own figure. "Your help centre says fraud cases resolve within 10 days; it is day 14 with no outcome" is a much stronger message than "where is my money?"
Ask for reconsideration with new evidence if the decision goes against you — many reversals happen here.
Escalate to your regulator. In the US, the Consumer Financial Protection Bureau at consumerfinance.gov/complaint — the CFPB forwards the complaint to the bank, which must respond. In the UK, the Financial Ombudsman Service. In Europe, the ombudsman or regulator for your country of residence.

One last warning that applies to every bank on this page: a provisional credit is not a decision. If the merchant's response wins, the credit reverses and the charge reappears. Do not spend a provisional credit as if the case is closed, and do not panic if it vanishes mid-process — the case is over only when the bank's final decision arrives.

Frequently asked

Revolut's own help centre puts fraud cases within 10 days of reporting, ATM cases at up to 45 days, and merchant disputes at up to 90 days in the US and up to 120 days in Europe. Up to 85% of disputes resolve within 5 weeks, with complex cases taking up to 12 weeks.

Wells Fargo's own debit-card FAQ says some debit disputes take 45 to 90 calendar days to resolve. For unauthorized debit transfers, Regulation E also requires a provisional credit within 10 business days when the investigation runs longer.

Chase publishes no fixed post-filing decision timeline. The binding clocks are federal: the FCBA requires written acknowledgment within 30 days and resolution within two billing cycles for credit cards, and Regulation E requires a 10-business-day investigation or provisional credit for debit cards.

Because the timeline depends on the merchant's response, the network's representment windows, and the case's complexity — all of which the bank does not control. Where a bank publishes no date, the federal clocks are the backstop, and a written chase after a reasonable silence is the practical move.

Chase it in writing the day after the published date passes, quoting the case number and the bank's own figure. If the written chase goes nowhere, ask for reconsideration with any new evidence, then complain to your regulator — in the US, the CFPB; in the UK, the Financial Ombudsman Service.