The payment system passes the received complaint to the acquiring bank, where it is considered and all circumstances are clarified. In some cases, the grounds for writing off money are legitimate. For example, if airplane tickets were purchased at a non-refundable fare, you will not be able to get your savings back for these tickets.
If it becomes known that the service provider has illegally debited money from your card, then his bank will immediately make a transfer with a refund to your bank. After that, the funds will be transferred to the user's personal account. Otherwise, the issue will be considered in the investment court.