A recovery service built around a single mandate.

Finance & insurance products — extended service contracts, GAP coverage, tire & wheel plans, and similar add-ons — are sold in the finance office at the time a vehicle is purchased. They are term-limited contracts, and most can be cancelled for a prorated refund of the portion the consumer never used.

When that product is cancelled, the dealership's commission is partially reversed — an industry practice known as a chargeback. The result is a structural disincentive for dealers to inform consumers that a refund is available. The right to the refund is contractual; the responsibility to claim it is left to the consumer, who is rarely told it exists.

The pattern is well-documented at the federal level. In October 2024, the Consumer Financial Protection Bureau (CFPB) found that auto lenders had “engaged in unfair practices by failing to request refunds from the third-party administrators for unearned fees related to one such add-on product, GAP, and failing to apply the applicable refunds to the accounts after repossession.” A separate 2023 CFPB enforcement action against Toyota Motor Credit resulted in $48 million in restitution to consumers for withheld and incorrectly calculated refunds.

The Federal Trade Commission has documented similar patterns at the dealer level. In a 2024 enforcement action against an Arizona dealership, the FTC found that 92% of surveyed customers were charged for at least one add-on without their authorization, or that they thought was required.

National Auto Refund Group was formed to close this gap — to make the claims process navigable for ordinary consumers rather than only for those with the time and knowledge to pursue it alone.