Did my 4 swipes today. 3 went through. The 4th one declined with a "Debit not available" error. I tried 2 more times without luck. So i pulled out my bank card and finish the last $500 transaction and got my MOs. I went home and check the gift card in question. My money was drained and not refunded. I've read several reports of people not getting their money back this way. This is worrisome...Anyone else want to share their similar experience?