How can a company take a charge for something and then not be able to reverse that charge if that something doesn't come to pass?

FORBES: Fact and Comment

This would continue unless the customer 'caught on' and complained and then we would reverse the charge.

FORBES: Companies, People, Ideas

After receiving a single scan, Ms. Moritz tried to cancel the contract, but the medical provider said it "had already been paid in full by CareCredit" and couldn't reverse the charge, according to court records filed in U.S. District Court in Chicago.

WSJ: Is Your Doctor Pushing Credit Cards?