I had submitted an atm dispute 30 min after the incident occurred on 1/15/08 rep that took call did not do something right i should have had my money back within 48 hours on 1/26/08 I called to find out what was going on and a rep said she did not see a dispute she resubmitted a case and no on 1/31/08 i called to check status and yet another case is submitted. I am tired of waiting for my money especially when I am doing everything I am suppose to do and the mess up is on their incompetent agents part. And the worst thing is I have to sit on hold for more than 30 min at a time and then be on the phone even longer with a rep I just want my money that rightfully is mine.