A device and method is provided for retaining cargo within a vehicle passenger compartment including a retaining portion and a vehicle seat having a lower seat portion, an upper back portion, and a frame. The retaining portion comprises a strap or mat which is operatively attached at one end to a front portion of the vehicle seat, while the other end is accessible within a bite line formed between the mating seat and back portions. The retaining portion is connectable to a front portion of the vehicle seat by means of either an open-ended hook or a snap-hook and an anchor, or by a snap fastener, the retaining portion being configured to secure cargo with respect to one of the seat portions. The device also includes a retractor mechanism such as a spring and spool operable to retract the retaining portion into the bite line for stowage.