I thinkl ther difference is dissatifcation vs fraud. If you call them and say Bob's restaurant charged me for a steak and it was burned, I told them I wouldn't pay but they charged me anyway. That's going to be a dispute.
But if call them and say I never went to the Bob's restaurant in Boise, as a matter of fact I've never been to Idaho. Why is there a $100 charge on my card? That's fraud, you should never have to pay more than $50.
http://www.ftc.gov/bcp/edu/pubs/cons...dit/cre07.shtm