A chargeback is a refund that is processed through your credit card issuer instead of the merchant. This happens when you dispute a transaction with your credit card company and they side with you. The merchant then has to pay the credit card issuer back for the refund, plus any fees associated with the chargeback.
FFL (First Financial Lending) offers chargebacks on all transactions processed through our system. We do not process refunds ourselves, so if you need a refund for any reason, you will have to contact your credit card company to initiate the chargeback process.
Chargebacks can be initiated for many reasons, but some of the most common are:
-You didn't receive the product or service that you paid for
-The product or service was not as described
-You were charged more than what you agreed to pay
-The merchant did not obtain authorization from your bank before charging your card
If you believe that you have been wrongfully charged by a merchant, please contact us immediately so we can help resolve the issue.