Chase was really weird about doing a chargeback for me when a restaurant charged me a second time under a different name a month after my visit. It took several phone calls and they eventually credited my account but they would not do a chargeback. Two identical charges a month apart. I could show that I wasn't even in the same state for the second one.
Yeah the frequent advice to just do a chargeback as a consumer protection action is out of date. It is quite hard to get a bank or CC company to do one now even if you have solid evidence you're in the right. I don't really know when this changed, I guess over the last 5-8 years.
