i have a friend who used to work at one of their call centers ..she said the only way you can get a refund is to get your bank to call them and let your bank (not you) request a refund. they will transfer you to someone else but you might be able to get a refund this way. also if you are calling yourself dont get mad at the operators...they actually dont have a refund button so they cant give you a refund so it does no good to argue with them it just wastes your time and theirs all they can do is read from a script...dont bother asking for a supervisor either. just have your bank call them and request a refund for you.