Is that true? If coinbase detects a chargeback due to fraud from a bitcoin purchase in your account couldn’t they just freeze your account and prevent any outbound transfer from happening?
The baseline for most credit cards is 120 days for the cardholder to dispute a charge in the US, or 180 days internationally. Some specific dispute categories for some credit cards have a shorter limit, and some effectively have longer limits because the starting point is some date after the transaction.
On top of that, there may be consumer protection laws in some areas that affect this. For example, in California it is one year for certain types of dispute [1].
Note that the above is how long for the cardholder to dispute the charge. Add to that however long it takes the card company to process things before the merchant sees the chargeback.
I've seen one that arrived at the merchant over a year after the transaction, although I think that is rare.
[1] https://oag.ca.gov/consumers/general/credit-cards-dispute-ch...