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.

An estimated seven million American drivers are believed to be eligible for F&I refunds they have never claimed. National Auto Refund Group was formed to close that gap — to make the claims process navigable for ordinary consumers rather than only for those with the time and knowledge to pursue it alone.