Refund Raptor · Consumer Hub
The resources Rex points at when the store says no.
Refund Raptor's job is to hunt returns and draft the message you send. When a retailer stalls, ignores you, or flatly refuses a legitimate claim, the game moves off the app — into card disputes, government complaint portals, and state consumer-protection offices. This page is the curated list.
Federal consumer protection
Government offices that take complaints about deceptive practices, unfair billing, and merchant disputes.
U.S. government · complaint intake
FTC · Report Fraud
The Federal Trade Commission collects reports on scams, deceptive retailers, and unfair practices. Your report feeds investigators; it does not directly refund you.
U.S. government · financial
CFPB · Submit a complaint
The Consumer Financial Protection Bureau routes credit-card, bank, and payment-app disputes to the company for response within 15 days. Useful when a merchant ignores you.
U.S. government · state
USA.gov · State attorneys general
Directory of state AG offices. Many have consumer-protection divisions that intervene on in-state retailers and online purchases shipped in-state.
U.S. government · education
FTC · Returning goods (consumer advice)
Plain-language overview of return rights in the United States. There is no federal right to return for change of mind — this page explains how that actually plays out.
Card disputes & chargebacks
When the store says no, the money often still comes back through the card network. Know the rights that attach to the card you used.
Federal law · credit cards
Fair Credit Billing Act — overview
Sets the framework for disputing billing errors on credit cards (not debit). You generally have 60 days from the statement. This primer is the right starting point.
Card network · reference
Visa · Chargeback reason codes
What Visa looks for when your issuer pushes a dispute through. Good background reading before you phrase your own dispute language.
Card network · reference
Mastercard · Dispute resolution
Mastercard's public consumer-facing dispute flow. Similar structure to Visa with a few category differences.
Card issuer · consumer
American Express · Inquiries & disputes
Amex's self-serve dispute flow inside the cardholder account. Amex historically sides with cardholders quickly on clear merchant errors.
Better Business Bureau & complaint services
Private complaint services that sometimes move a stuck response along. Use them as pressure, not as the primary ticket.
Non-profit · mediation
Better Business Bureau · File a complaint
BBB forwards your complaint to the business and publishes the exchange on their profile page. Can move bigger retailers that care about ratings.
Independent · public pressure
ConsumerAffairs · Write a review
Public review site read by many retailers. Pair a detailed ConsumerAffairs review with an email to the store and you often move faster.
Retailer return-policy pages
The policy pages Rex parses against. Always double-check here before you send a claim — stores update language frequently.
Retailer · policy
Amazon · Returns and refunds
Most items: 30 days. Apparel & shoes: 30 days with free return in many cases. Electronics: 30 days, some exceptions on open-box.
Retailer · policy
Target · Return policy
Most unopened items: 90 days. Target-owned brands: 1 year. Electronics & entertainment: 30 days. Apple products: 15 days.
Retailer · policy
Walmart · Return policy
Most items: 90 days. Electronics: 30 days. Pre-paid cell phones: 14 days. Many marketplace sellers have their own policies.
Retailer · policy
Best Buy · Return & exchange policy
Most products: 15 days for standard members, 60 days for My Best Buy Plus/Total. Activatable devices: 14 days.
Retailer · policy
Costco · Return policy
Famously generous lifetime guarantee on most items. Electronics: 90 days. Diamonds over 1.00ct, cell phones, and a few other categories have tighter windows.
Retailer · policy
Apple · Returns & refunds
14 days from delivery on most items bought direct from Apple (iPhone, Mac, iPad, accessories). AppleCare and software carry different rules.
Retailer · policy
Home Depot · Return policy
Most merchandise: 90 days with receipt. Major appliances: 48 hours for certain defects. Holiday returns generally extended through January.
Retailer · policy
Nordstrom · Returns
No set return window by policy — handled on a case-by-case basis. In practice Nordstrom is one of the more flexible retailers in the U.S. on returns.
Ground rules we care about
These mirror how Refund Raptor behaves inside the app: clear boundaries, no pretending to be a law firm, and respect for the time you are giving this problem.
- Refund Raptor drafts messages — it does not submit claims, disputes, or chargebacks on your behalf. You always review and send.
- The return-window and policy fields you see in the app are estimates. Always verify against the retailer's current policy page before you rely on a specific number.
- Nothing here is legal, tax, or financial advice. For complex disputes (especially with large dollar amounts or consumer-fraud overtones), consult a qualified professional.
- If a link on this page is outdated or a policy has changed, tell us at support@refundraptor.com — we'll fix it fast.