here's my problem, a merchant told me he issued me a refund on a product I bought from him but yet my bank shows no credit posted from the seller at all. I understand that refund money takes a few days to post, but the transaction shows right away if it was done. I tried to call the seller but both phone numbers they have for contact have been disconnected! So far no help from PayPal either, they reviewed the case in just a few hours, said no fraud and closed the case. Hell I didn't even get to speak to someone on the phone. So now what???