What should I do if a merchant claims they processed a refund, but it has not shown up on my credit card statement after two full billing cycles?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What should I do if a merchant claims they processed a refund, but it has not shown up on my credit card statement after two full billing cycles?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB credit card refund not received merchant says processed dispute billing error 60 days official Google ↗
FTC credit card billing dispute refund not received merchant official guidance Google ↗
- § 1026.13 Billing error resolution. · consumerfinance.gov
- Using Credit Cards and Disputing Charges · consumer.ftc.gov
- How to fix mistakes in your credit card bill · consumerfinance.gov
- How do I dispute a charge on my credit card bill? · consumerfinance.gov
- SECTION 226.13—Billing Error Resolution · federalreserve.gov
- Submit a CFPB complaint · consumerfinance.gov
- How can I get a refund on a product or service I purchased with my credit card? · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB credit card refund not received merchant says processed dispute billing error 60 days official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FTC credit card billing dispute refund not received merchant official guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |