In theory yes, Reg Z forces them to prove that it was you that borrowed the money. In practice this is a weird situation to be in since chargebacks almost alway

In theory yes, Reg Z forces them to prove that it was you that borrowed the money. In practice this is a weird situation to be in since chargebacks almost always favor the buyer so I have no idea how this shakes out and if it's worth temporarily screwing up your credit score