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None. On XXXX XXXX and XXXX XX/XX/year>, I made two payments to a contractor through XXXX XXXX using my debit card for a home renovation project. The total amount was approximately {$2700.00}, with one transaction of {$1000.00} and another of {$1700.00}. The contractor accepted the payments but never completed the work and then disappeared, effectively scamming me. I contacted my bank and XXXX XXXX to dispute both transactions : For one transaction, my bank opened a dispute but then denied it, stating that because the payment was made via a third-party app ( XXXX XXXX ), they did not have the right to dispute it. For the second transaction, the bank refused to file a dispute at all, giving the same reason. This contradicts my understanding of Regulation E, which protects co