What happens if a retailer refuses a refund? The customer can file a dispute with the issuing bank if they have a legitimate reason to claim a refund and a retailer refuses to issue it.
File an appeal with the Office of Tax Appeals (OTA). File your appeal within 90 days from the date of the NOA that denied your refund claim or you may file a suit in Superior Court.
A company can't make you wait forever. If something didn't arrive or you didn't accept it, and the company won't refund your money, dispute the charges.
Try to contact the trader
It's best to email or write to the trader - you can use a template letter. Keep a copy of anything you send, in case you need to check it later. If you can't contact the trader or they won't help, you can then ask your card provider or PayPal.
If your tax return is rejected, don't panic. While it could delay your refund, the common reasons for rejection are often easy to fix. If your return was rejected because a return was already filed with your Social Security number, that could mean you were a victim of identity theft.
The quicker you act, the better your chance of getting your money back. You also can find that information at ftc.gov/scams. In some cases, an FTC law enforcement action gets money back to people. To see recent FTC cases that resulted in refunds, go to ftc.gov/refunds.
If you don't get something you paid for by credit, debit or charge card and the firm is refusing to refund you, you can ask your bank to 'reverse the transaction' and get your money back via chargeback.
In the U.S., there's no federal law that says merchants have to accept returns. However, retailers are required to provide a repair, exchange, or refund if a product is defective. And under the FTC's “cooling off” rule, you have the right to cancel some sales within three days of the purchase and get a full refund.
Having the BBB mediate your complaint can sometimes result in a refund, but the BBB isn't able to force companies to fix the dispute. There are a few other places where you can report a problem that might or might not result in getting your money back.
If the seller won't refund your money
There are other steps you can take to solve your problem - these include using 'alternative dispute resolution', which is a way of solving disagreements without going to court.
Tell your bank as soon as you notice an unauthorised payment and ask them for a refund. Make sure you get in touch with your bank within 13 months from the date of the payment. Otherwise, you may not be able to make a claim. Your bank may ask you some questions and get you to fill out a form stating what happened.
Merchants must adhere to the deadline given by the acquirer. If they miss it, they will lose the chargeback dispute by default. Losing the chargeback means not only losing the sales revenue, but also the associated chargeback fees merchants typically must pay to cover the cost of the chargeback process.
What can you do if a company won't give you a refund? If you're due a refund and the retailer just won't pay up, or goes bust before they can pay you, then depending on how you paid, you may be able to ask your bank or credit card company for a refund.
The FTC's Bureau of Consumer Protection stops unfair, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ...
First you file a complaint with the company about this incident. Then you file a police report for fraud, or attempt to commit fraud. Even if the police refuse to do anything about it, you now have the legal ammunition you need to support their fraud when you sue them in Small Claims Court.
Most retail stores allow you to return things you buy within a reasonable time for a full refund, credit, or an exchange. When a store clearly displays a limited or no-refund policy, however, refunds and exchanges are not required by law.
If you have further questions, call us at 800-829-1040 (see Telephone assistance for hours of operation).
If you can't get the support you need from the retailer in the form of a refund, repair or replacement, you can file a complaint with the company. If that still doesn't help, you can contact the Consumer Ombudsman.
Generally, if you fully paid the tax and the IRS denies your tax refund claim, or if the IRS takes no action on the claim within six months, then you may file a refund suit. You can file a suit in a United States District Court or the United States Court of Federal Claims.
The law allows stores to set their own refund policy. They can choose to give you a refund, an exchange, store credit, or nothing at all.