To the people who think they can’t get a refund, it’s not illegal and it’s not fraud.
Go ask a lawyer.
There is no company that is God and sets the rules for anything, they try to, but as a consumer it’s your money you can make the rules if you were not happy with the product you bought. It doesn’t mean you need to act illegally or be a Karen, but please believe you can get refunded for anything you’ve purchased with your money by right. Why do you think the banks have those options, it’s for misleading companies. And you’re not the judge of who misleads people.