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Does anyone else have a problem with this? --- I purchase an item using my debit card (pin). The money is immediately withdrawn from my account. I return it 3 days later with receipt.Jhey will not allow me to put it back on my debit card (pin) but will only complete it as a VISA transaction. So the funds don't show for 4 days. TJ says it's the Bank, Sure VISA takes that long but I purchased it with my debit card and pin. Everywhere else I go returns are processedimmediately . Why do they keep the merchandize and my money both!