Under Regulation E, § 205.11(c)(3)(ii), the card company has up to 90 days to conclude their investigation, during which time the amount under dispute is put in abeyance (she must still pay at least the minimum amount due on undisputed charges).For Visa and MasterCard, Debbie has 120 days from the time she became aware of the problem to file a charge-back.  

Previous comment....PS companies with ZERO DEBT: American Express, Apple, Citrix Systems, Amazon, Bed, Bath & Beyond, TRowe Price, Red Hat, AutoDesk, and MasterCard.Pretty interesting that TWO major companies thats entire philosophy is marketing the use of debt as a tool are debt free (AMEX & Mastercard)...My comment..Fyi- I did a quick look at Amex's financials and their 12/31/14 balance sheet is showing $138 billion of liabilities.

Right before corona virus came...CEO of Disney stepped downCEO of Tinder, Hinge, OKcupid, Match all stepped downCEO of Hulu stepped downCEO of MedMen stepped downCEO of brands like Victoria Secret, Bath and Body Works stepped downCEO of Salesforce stepped downCEO of Harley Davidson stepped downCEO of IBM stepped downCEO of T Mobile stepping downCEO of LinkedIn stepping downCEO of Mastercard is stepping downAnd now CEO of Microsoft, Bill Gates, just stepped downAnd soooooo many more, but let's just stick with these that most know about.Weird they stepped down right before "Corona Virus scare," almost like they all knew it was coming.

@ Raymond RichmondPlastiq can only use Master Card to do the cash for down payment for a fee not with Visa.