Charged for flex pay when denied

It seems that this is an ongoing issue that is not being taken seriously by this company. How can you be denied and still charged?

I would like to know why I was denied and still charged for the initial payment?

Getting refunded shouldn’t even be a question because my money should have never even been pulled from my card if I was denied in the first place, right?

To many people having the same issue with nothing resolved BBB reporting