I haven't received a refund from anyone yet, all I have done is sent emails to the bank the company and a few payment providers. Think I got on the train too late also
I'm not going to post what I wrote until they send a final response...no offence! If it works out I'm happy to share.
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I had a transaction paid to Motiv8 Techn. Based in Nigeria. My bank said they couldn’t file a chargeback because I had used 2FA but it went to the fraud team and I received the refund back in my account yesterday.