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Funds not handled or disbursed as instructed. Refund was issued by the merchant and was advised by the merchant that the refund was sent to my account on XX/XX/year> at XXXX XXXX for the amount of XXXX XXXX. This transaction does not show up in my account anywhere, when talking to chime they insist there is no refund and it was reversed the same night of the purchase. Problem is no where in my account shows any credit at all from chime. When asking them where in my account a credit for the amount shows no one can give me an answer except that it was put back after being reversed, problem with that is no credit shows anywhere in my account. The problem I have with the explanation they are giving me is if it was reversed as they state, then why would the merchant issue a refund for the amou