... What? In France I can vouch that both personally and professionally, a charge back at caisse d'épargne, banque populaire, société générale or crédit agricole will take you less than 5 minutes on the phone.
I would be interested to know which country and bank gave you a hard time to do charge back
I've had to file 2 chargebacks so far with N26. First one took two weeks, and was possibly resolved by the merchant refunding me after getting pressured. And the second one I filed a month ago and hasn't even been confirmed to be investigated into.
Sort of.. generally in Europe chargebacks are still pretty rare in general and convincing your bank to make one is non-trivial and takes a lot of time