ETA:
There does seem to have been an allegation that defendant threatened to (and apparently followed through on) dispute the transactions as a result of some other dispute.

I foresee this being an issue for defendant (fraudulent chargebacks), the gmach (misuse of merchant agreement), and "K" (misuse of CCs). What a mess.
You can pick through the whatsapps there, though clearly the plaintiff edited what to include and what not, as it jumps around. By the end, the lender seems to be hounding the borrower for repayment, and the borrower doesn't seem to dispute that he owes money, just asks for more time.
That doesn't help the lender defend the chargebacks, but it gives some of the picture as to why they're even fighting in the first place.