Plain steps from the federal rules and your bank's own pages. Not legal advice.

How to Dispute
Where is the charge?

Get a charge taken back.

Pick where you paid. Each page shows how that bank or app handles a dispute, and what the federal rules give you.

Pick where the charge came from

How disputes work
What a dispute or chargeback is, the time limits, provisional credit, and what happens after you file, from the federal rules.
Other banks and cards
How disputes work at Bank of America, Capital One, Wells Fargo, Discover, American Express and other banks and card issuers.
Payment apps
What you can do when a Venmo, Zelle or PayPal payment goes wrong, and when a payment cannot be taken back.

Also answered here