I put in a complaint with my Chase card on 1/28 and Chase gave me a temporary credit. Generally, they allow 90 days to file a dispute, unless there are circumstances. I told them "the circumstances" (such as when the CD was shipped vs when I paid, which was last May). I also told them the problems, and pointed out that I had purchased Tax Act instead, and that charge was already showing up on my account. Now TRX has 30 days to dispute my claim
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I know from my husband's business, when someone files a dispute against us, our bank account is debited immediately. I'm hoping they are so overwhelmed that they won't even notice the debit, or open the letter from Chase about the dispute.