Para começar, você deve registrar um boletim de ocorrência, explicar ao banco o que aconteceu e, se eles se recusarem, procure um advogado. O advogado saberá o que dizer, mas os bancos têm o dever de cuidar dos seus clientes; geralmente, eles chegam a um acordo antes de irem ao tribunal porque sabem que é improvável que ganhem na justiça e, se perderem, criam um precedente.
You could do all that yourself without a lawyer. And it wouldn't be your bank you'd be taking, it would be the merchant on the statement.
Banks are not legally obligated to raise chargebacks, its a voluntary scheme. But they do have a duty of care to act in fairness to all customers.
Given the amount of transactions to various merchants, it could be easy for a bank to prove claimant knew exactly what they were doing.
Lawyer might only tell you any of this after you have paid them.
