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,[18] 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.[19] 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.