As a layman i was just wondering that although i understand you cannot dispute the transaction for unauthorized use ,as you gave them permission to swipe but why can't you dispute for goods or services not received. The same way that if you ordered a item online and it never came you can dispute for goods not received (afaik) why can't you dispute that you never received your money .You let them swipe in exchange for money that you never received so you never received what was promised and what the basis of the transaction was -why is that not grounds for dispute ?