That hasn't been my experience. Usually the CC (at least Chase) will refund the credit and then investigate. I've never had an investigation end up with an unfavorable outcome. It doesn't matter if it was Disney's mistake or not. The customer says it was an error and they are entitled to the product that they wanted.
As for Disney having "proof." The customer just needs to tell their CC that the product delivered wasn't what they asked for (meaning Disney is delivering the wrong date of the party). The credit card will side with the customer as they don't want to lose the customer (even if it means the CC company eats the charge).
And before anyone gets their panties in a bunch, this isn't fraud. This is legit. The CC company wants you to attempt to work it out with the merchant first which the OP has done and the merchant has been uncooperative. The customer is entitled to then call their CC and ask for a chargeback.
Except that in this case it wasn't that the OP didn't get what they requested...THEY made the error and bought the wrong date. Now...Disney is quite likely going to be willing to make the change for her, but if they don't, then I completely disagree that you should dispute it because YOU chose wrong. That means you are outright lying, when you say DISNEY gave you the wrong product....they gave you exactly what you ordered. Why don't you tell Chase YOU made the wrong choice and see if they'll refund you.
And...just so you know.....Chase is likely the one that ate the cost of your chargebacks, not the merchant, ......Chase (and other companies) will do this to keep you, the customer, happy, but they aren't able to get the money back from Disney, because Disney did nothing wrong. You chose the date, you confirmed that the date was right, and you purchased non-refundable tickets. Disney doesn't have to refund the money, and Chase knows it, but they also don't want to have an unhappy customer, so many times they refund and eat the cost. That's why the interest rates are so high, because they have to collect enough to cover up lies like what you propose.
And just as a heads up, if you do this too many times, then Chase will stop accommodating you, and they will start telling you that the claim is not valid and put the charge back onto your card. (They take it off when you first make the claim so that you are not paying interest on it, nor does it take up some of your available balance, because legit claims can take a couple months to resolve). Read the terms, and you'll see that they can legally recharge you if the dispute doesn't go in your favor. And if you're a repeat "questionable" disputer, they will stop wanting to make you happy. (How do I know this for sure....worked my way through college working for VISA).
The dispute process is supposed to be for true fraud or merchants that deliver inferior products. Not for you to get out of a legally binding transaction where the mistake was YOURS.
So, I wonder, if you order the wrong toner cartridge for your printer from
Amazon, and you don't notice until the return date is past (because you bought it so you wouldn't run out, but it arrived and you still had some ink left so it sat on the shelf for weeks), so Amazon refuses the return....would you dispute the charge, even though the error was YOUR mistake? I ask, because I just discovered that this weekend...I bought it a month ago but didn't notice the model number I have has a letter at the end, the cartridge is for the non-letter printer model. So...I'm out $80......using your logic, I should just dispute the charge and get my $80 back. Hmm......nope, I wanna be able to sleep at night and not feel guilty over lying AND causing everyone else's interest rates to stay high to pay for such fraud.
Oh, but hey, since I pay my card off every payday, I personally don't care about interest rates....so maybe I shouldn't care about that either? Sorry, I don't do entitlement well.
OP....call Disney....tell them abut your silly mistake. If they say no, ask for a supervisor (because most of the first CMs you talk with can't do a lot of adjustments). Since you're not asking for a refund, just tickets to another date, if they have tickets available then why wouldn't they exchange them for you? Win win. They have a happy customer, you'll be at the party. If they refuse, they run the risk that you're going to come on a board like this and talk about how unfair it was, you may even cancel your trip, so they now have a black eye and you don't go to the party and buy food, souvenirs, photos and whatever else they can sell you, lol. The exception would be if you want tickets to a sold out date (which currently is only Halloween Day itself)...then I doubt they can help you. Or...you'll come on this board and talk about how great they were to fix YOUR mistake. And you'll have a magical day.
Without the guilt that entitlement brings.