The process begins when a cardholder calls his or her credit card company and disputes a charge. The issuer will conduct an investigation of the dispute, and if the evidence supports the cardholder’s claim, the issuer will take steps to officially file a chargeback and withdraw the funds obtained by the merchant through the transaction from the merchant’s account.*
*https://www.creditcardprocessing.com/2013/12/credit-card-chargeback-get-reported/