Hoping for some clarification regarding credit card disputes under 1026.12 and 1026.13. My understanding under 1026.13, the consumer is not required to notify the merchant to resolve the dispute. However, under 1026.12 the consumer must make a good faith effort to resolve the dispute with the merchant (providing the transaction is over $50 and same state, etc.). I am reviewing a card holder dispute inquiry form which states "all attempts must be made to resolve disputes with the merchant prior to our intervention". The dispute types listed include "I was billed twice for a single purchase". In reading 1026.13, would the consumer need to contact the merchant? The assumption would be they only received services once... I think I have stared at the regulation too long and have confused myself.