I've done quite a few charge disputes, and had several kicked back at me by Wells Fargo visa. I don't know If this Is a 'visa' policy, or a 'wells Fargo' policy, but as long as the vendor provides evidence that this was an actual purchase by an authorized cardholder, and they delivered the product, then there is no grounds for charge dispute. You cannot (successfully) dispute a charge just because the product does not work as advertised with Wells Fargo visa.