That's interesting... What was the item in question? I have had several chargebacks myself (but I am at another bank). It normally happens a few days after the transaction only, and my bank always called me before returning the money - I think they would not take it from my account without my authorization. (but if I did not authorize, then the account would be blocked pending an investigation) The last time, they invited me for an explanation, and when they were reassured, they sent a "funny" letter to the other bank (a German one, I think) which must have meant something like "everybody take care of their own customers, and all customers will be taken care of better". (PS: I never did anything illegal with my bank account, of course)