The auction ended on October 16th, correct? If so, the card should have been in CSG's hands within a few days after payment and they would have made their "assessment" a couple weeks ago. Seems off that it's only going through the authentication process now.
And as others have said, if a card is rejected by the authentication program, refunds are automatic and implemented immediately at the time of rejection.
Does the tracking actually show that Greg Morris sent it? You would have gotten emails directly from eBay about the authentication process.
And as a seller, I am 100% in favor of the program for many reasons. As a buyer, I believe that you should have the option to opt out of the program, but if you do so, you lose any buyer protection - meaning no refunds for any reason and no support from eBay on the purchase.
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