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Federal data shows fewer consumers are winning credit card disputes

In May 2026, Laurie Gorlick discovered nearly $600 in unauthorized charges on her JetBlue credit card from Viator, a tour company owned by Tripadvisor. Barclays, the issuing bank, initially denied her formal dispute, claiming the activity was valid.
Federal complaint analysis shows that recovering money through credit card disputes has become increasingly difficult. Success rates for CFPB complaints fell from 32% in 2024 to 25.5% so far in 2026, as the Trump administration has sought to reduce the consumer bureau's authority.
Citing documentation provided by the merchant, Barclays rejected the claim. "It is a lot of money, and it's a horrible feeling," Gorlick said regarding the bank's refusal to reverse the disputed charges.
Following an inquiry to Barclays and Viator, Gorlick eventually received a full refund. This outcome occurred only after both she and a reporter pressed the companies to provide the specific evidence used to reject her initial dispute.
Under the Fair Credit Billing Act and the Truth in Lending Act, consumers have rights to investigate disputed charges. While federal law offers protections, recent trends show fewer customers successfully recover money when challenging unauthorized transactions.

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