Psa theft ransom

[packs]

Wouldn't a vendor have to accept the chargeback for your money to be refunded? I tried to do a chargeback when an item from an AH was stolen from my home before I could receive it. My bank requested the money back on my behalf but the AH refused to return it because they said the item was "delivered" and my chargeback request was denied.

I only received my money back when I messaged the AH owner and cut out the customer service reps who insisted it was my problem. The AH cut me a refund check in the end.

I guess what I'm asking is: did PSA return your money? If they chose to, it's hard to understand why they're asking for it back when they already had it to begin with and could have said no.