I would complain to your cc company to have the charges put on hold. Print out your cancellation showing your canceled w/in 24 hours and print out CO's policy of refunding w/in 24 hours, and send that in if cc company asks for documentation. Do not bother cc with the story about the minutia of being logged into website properly or not. Just state facts: Canceled w/in 24 hours, CO did not refund as promised. Period.