... What? In France I can vouch that both personally and professionally, a charge back at caisse d'épargne, banque populaire, société générale or crédit agricole will take you less than 5 minutes on the phone.
I would be interested to know which country and bank gave you a hard time to do charge back
I've had to file 2 chargebacks so far with N26. First one took two weeks, and was possibly resolved by the merchant refunding me after getting pressured. And the second one I filed a month ago and hasn't even been confirmed to be investigated into.
I would be interested to know which country and bank gave you a hard time to do charge back