A chargeback is not necessarily a fraudulent activity. In its most basic sense, a chargeback is when an issuing bank, a bank where consumers acquire credit cards, reverses a prior charge from a bank account or credit card at the request of a cardholder because there was a problem with a transaction. The problem could be anything from a situation where the consumer did not receive the product they purchased, to one where the cardholder was not satisfied with the quality of the product, to a situation where the cardholder was a victim of identity theft. The concept of a chargeback rose as a measure of consumer protection taken by issuing banks and credit card companies. Chargebacks were a measure to protect cardholders from identity theft and the unauthorized transitions from identity theft. Chargebacks also provide incentive to producers and sellers to provide products of consistent quality and efficient customer service.