So, in my case I had a refundable ticket ($600CDN cancellation fee). I filed a refund request in March (after cancellation of the flight). The auto-reply said 4 to 6 weeks. While I think Swiss should refund the whole amount, I would be happy to get the $4100 refundable part and would not have pursued. But nothing, no communication, no refund. This should be simple and automatic. This is why i filed a chargeback. I was advanced the $4700 for the work trip and am expected to have refunded it.
All of my other refundable tickets with other airlines were refunded at least in accordance with the fare rules.