What if the merchant refuses to refund me?

Asked by: Guiseppe Sawayn  |  Last update: October 18, 2026
Score: 4.7/5 (66 votes)

If a merchant refuses to refund you, immediately initiate a chargeback with your credit card company, as they can reverse the transaction. Other steps include filing a complaint with the Federal Trade Commission (FTC), reporting the business to the Better Business Bureau (BBB), or contacting your state attorney general.

What do I do if a company doesn't give me my refund?

You can notify the consumer protection division of your local district attorney's office of any violations, or file a complaint with our office using our online complaint form.

Can I sue a company for not giving me a refund?

Yes. If they have breached the agreement you can sue. Review the paperwork to see if their are requirements where to sue, if arbitration is required or other requirements.

Do companies legally have to give you a refund?

Generally speaking, when you buy goods you enter into a legally binding contract and you have no right to return them for a refund. However, there are circumstances where a right to return goods may arise.

Can you force a company to give you a refund?

Consumers seeking refunds can contact organizations like the Better Business Bureau, state consumer protection offices, or the Federal Trade Commission. Start by documenting your purchase and communication with the company. File a formal complaint with these agencies if direct resolution fails.

Merchant Explains How To Fight Chargebacks

28 related questions found

What can I do if I'm refused a refund?

It might be tricky to get your money back, which is why it's so important to know where you stand. 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.

How do you report a company that won't give you a refund?

Report a business to Trading Standards

To report to Trading Standards, you need to contact the Citizens Advice consumer service. We'll pass your report to Trading Standards and we can also give you advice about your problem. You can also use our online form from 5pm on Fridays to 9am on Mondays.

What are the 4 rights of a consumer?

The four core consumer rights, established by President John F. Kennedy, are the Right to Safety, the Right to Be Informed, the Right to Choose, and the Right to Be Heard, protecting consumers from hazardous products, misleading information, limited options, and unaddressed complaints, forming the basis for consumer protection laws. These rights ensure fair treatment, access to vital facts, competitive product availability, and a platform for expressing concerns in the marketplace.
 

Do I legally have to give a refund?

Many retailers offer exchanges or refunds once you have a receipt and they are returned within a certain amount of time and in a saleable condition with all the original labels, tags and packaging. However, this is shop policy and represents a gesture of goodwill – it is not a legal requirement.

What happens if a merchant won't give a refund?

If the merchant won't give them a refund, they can simply ask the bank to get them their money back instead. In reality, however, chargebacks come with significant downsides for both the customer and the merchant.

What are the laws around refunds?

A refund should be the full amount the consumer paid for the product. The business must not deduct an amount from a refund to take into account the use a consumer has had of the product.

In what circumstances can you insist on a refund?

You must offer a full refund if an item is faulty, not as described or does not do what it's supposed to. In some cases you must offer a refund if the customer changes their mind.

What should I do if a business is not giving me my refund?

Get Outside Help

  1. Contact your state attorney general or state consumer protection office. ...
  2. Contact a national consumer organization. ...
  3. Contact your local Better Business Bureau The Better Business Bureau is made up of organizations supported by local businesses. ...
  4. File a report with the FTC.

What is Section 42 of the Consumer Rights Act?

Section 42: Consumer's rights to enforce terms about digital content. 204. If the digital content is not of satisfactory quality, fit for purpose, or does not match the description, the digital content will not conform to the contract.

How do you force a company to refund you?

Write a letter of complaint to the business.

If you can't get help over the phone or in person, you should write a letter to the business. Remember to get to the point. If you have the legal right to a refund, mention it in the letter.

What to do if I don't get my refund?

Use Where's My Refund, call us at 800-829-1954 and use the automated system, or speak with a representative by calling 800-829-1040 (see telephone assistance for hours of operation).