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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.