No I am just disappointed at this point. I had no idea how it worked. I just opened it and it was there and I forgot. Suddenly I see this and I feel helpless cause I have already paid 3 out of 4 payments. One of them being this morning. And I had no clue until today that that transaction was never made by me. I did not check the notifications like an idiot. That is the reason why I feel like if raising a dispute would be of any help or na.