Answer   You have 60 days to file a dispute with the credit card company. Call the company who owes you money and tell them they have 48 hours to refund your money â¦ or you will do a chargeback.. Companies hate that word because it is like a bounced check, they get charged a $25 fee (varies from state to state).   Receiving title on vehicle     You cannot return the vehicle for a refund. Unless you signed the title when you bought the vehicle, you really can't be s â¦ ure the dealership had the title. The title may have to come directly from the state issuing the title.