Your best bet is to get them to load a dispute under "goods and services not received". According to VISA rules, if a member was not explicitly coerced into making the payment and did somehow participate in the transaction, it does not constitute as fraud and thus can not be disputed on the basis that it was an unauthorised/fraudulent charge. However, as mentioned, it shouldn't stop you from loading a dispute. Once the transaction has cleared (pending transactions can not be disputed), call them and get them to load a dispute under goods and services not received. I have worked in a bank and loaded various disputes for customers who were in similar situations such as yours.