Well first I just want to say I’m sorry you’re going through this, but also in an unfortunate way it’s nice to know I’m not alone. Yes, everything you said is exactly in line with my experience. They told me the refund was in the mail in September and when it never arrived, I called back and it’s been this garbage ever since.

You can call your credit card company and ask. I’m sure different ones have different terms. Mine was from my checking and obviously was paid over a year ago, so I’m pretty sure I wouldn’t have any recourse on that.