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A Company Owes Me Money. What Do I Do?

Consumer experts say phone calls, clear records and escalation can help secure refunds when a merchant refuses to pay.

  • On Reddit, users recently discussed how to request a refund without appearing rude, sharing advice in "threads" on financial topics like chargebacks and escalation tactics.
  • Retailers have become less flexible with return policies to minimize fraudulent returns, Chuck Bell, programs director for advocacy at Consumer Reports, notes; consumers often fail to check policies before purchasing.
  • NerdWallet credit card expert Sara Rathner suggests initiating a chargeback if direct merchant requests fail, while Claire Rosenzweig, president and CEO of the Better Business Bureau serving Metro New York, advises calling customer service for direct resolution.
  • If direct requests fail, the Federal Trade Commission suggests escalating to a supervisor or contacting third parties like the Better Business Bureau; social media complaints can prompt responses if other methods exhaust.
  • Purchasing from deceptive websites makes refunds nearly impossible, Rosenzweig warns, while experts advise verifying the identity of anyone offering "help" online to avoid scammers targeting refund seekers.
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A Company Owes Me Money. What Do I Do?

On Reddit, a user recently asked how to request a refund without appearing rude.There are many reasons to ask for a refund: You could have been overcharged by accident, changed your plans, or simply decided to return something because you…

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Purdue Exponent broke the news on Thursday, June 18, 2026.
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