A chargeback is the return of funds to a consumer initiated by the consumer's issuing bank. Specifically, it is the reversal of a prior transaction from a consumer's bank account or credit card account. Consumers may initiate a chargeback by contacting their issuing bank, and filing a substantiated complaint (chargeback) regarding one or more transaction items on their bank statement. Chargebacks also provide a means for reversal of unauthorized transfers due to identity theft.