I'd imagine this practice of only refunding people that spend hours and hours complaining to customer service is part of what they're getting fine for in the fi

I'd imagine this practice of only refunding people that spend hours and hours complaining to customer service is part of what they're getting fine for in the first place. If they're legally obligated to refund you, you shouldn't be getting the runaround like that just to get what is owed to you.