Originally Posted by Nevsky

This seems like a real waste from the point of view of the consumer. The procedure In terms of finding records to get a refund does not seem worth it to me, which seems really unfair to consumers. How is anyone supposed to realistically be expected to have charge records going back to 1996? Even for more recent records, it would seem that for most people, the time necessary for determining the amounts would not be worth the expected return.