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You do have a claim against them. This is the type of claim that would be resolved in small claims court. Its a simple breach of contract claim.
You want to first send them a letter demanding that they reimburse you the money less the $299. Give them 14 days to do that. If they do it, great. If they do not do it, sue them in small claims court. Get your dad to show up as your witness. You should prevail.
My bank said I can go to their office and fill out a form to dispute the charge where they will credit back my account and perform an investigation of their own to determine if I will keep the money of if they will end up completing the charge. Is this an acceptable way to go about this?
That is and it is much quicker. You have a good bank. Let them do it for you.
Ok then, thank you.