No fraud (thankfully), but I have disputed two charges before. Both times I filled out an online dispute form, and a few hours later the money was back in my account. Usually about 4 or 5 days later, I'll get a report in e-mail and mailed to me about the incident, and that the final result was in my favor. The credit union I use (DCU) has a policy of refunding the disputed money immediatly. If the customer was wrong, the money is then taken back out later if a solution cannot be reached.