a request for money spent on a credit card or debit card to be paid back to the customer by the seller

You should have immediately requested a chargeback from the bank when the goods were found to have been faulty. 当发现货物有问题时，你应该立即向银行申请退款。

The customer has the option to recover these funds through chargeback to the merchant. 顾客可以选择向商家提出退款要求来追回这些钱。