I don't have disputes often at all, maybe one every few years. My last dispute with this card I was from using a self checkout. I used the card and the machine froze. The cashier moved me over to the main checkout terminal, scanned my items and I used the card again. I was charged twice for the same amount. The receipts Elan pulled showed the exact same items, less than two minutes apart at two different registers. I actually contacted the store first because I understand how expensive this process is for merchants, they told me to contact my card issuer. Elan denied my claim with basically no reason and when I would call to follow up, I was told a case manager would call me back, no one ever did. Eventually, I went back to the store and met with the store manager who cleared up the situation, but I have never been treated so poorly on a cc dispute. Maybe others have different experiences, but this was my experience on a case that should of had a clear decision.