Exactly this. I bought something online. The company shipped it, but FedEx screwed up and sent it back to the merchant. The merchant never responded to me after

Exactly this. I bought something online. The company shipped it, but FedEx screwed up and sent it back to the merchant. The merchant never responded to me after that and then went bankrupt. I called my bank (Square) and they said it wasn't fraud as the package had been "delivered". I pointed out it had been delivered back to the merchant, and they said that still counted as delivered in their support script. They told me the only way to fix it was to call FedEx and somehow scam them into changing the status of the package online. I tried to get them to change their support script but they decided it was easier just to terminate my account instead.