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I returned an item with receipt, still in the package, just two days after I bought it. I used a debit card. They gave it back to me as a credit with signature verses debit with pin. It has been 7 days and the money is still not in my account. This happened to me about four years ago as well. i don't remember the length of time. It makes no sense, no other retailer has this problem. TJ Maxx will be last on my list when looking for an item from now on.