I wish there were a way to directly respond to reviewers who are struggling to get their money back, but since I can’t, I’m sharing my experience here in the hope that it helps someone else. After months of frustration, I finally got a refund, and here’s exactly how I did it: 1. Document Everything:I saved all my communications with BNB Formula and Brandon Mestas, including emails and texts, to prove that I acted within their cancellation policy. Having this documentation was crucial. 2. Stop Communicating with BNB Formula:Once it became clear that I wasn’t going to get a refund directly from BNB Formula, I stopped trying to work with them and instead focused on disputing the charges through my credit card company, and Affirm 3. Dispute with Credit Card and Affirm:My credit card company refunded their portion immediately. However, Affirm—being the larger portion of the payment—took several months and multiple appeals. 4. Working with Affirm and Copecart:I found out that Affirm made their payment to a company called Copecart. This was important because it meant the dispute process involved Copecart as well, not just Affirm. 5. Contact Copecart Directly:I reached out to Copecart directly and found them much easier to work with. They have a U.S. office, which made communication much smoother compared to Affirm, where I experienced language barriers and unhelpful representatives. 6. Finalize with Affirm:Once Copecart resolved the dispute in my favor, I forwarded the confirmation to Affirm, which then processed the refund.It’s such a headache to deal with companies like this, but don’t give up! Persistence is key, and if you focus on working with the right channels, you can get your money back. I hope this helps someone avoid the runaround I went through.
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