Since last year, I have been attempting to secure a refund for unauthorized charges on my debit card. The service was billing me for an account that doesn't exist. When we identified the account in question, I attempted to verify it by sending an email to that address. I received a bounce-back notification indicating that it was invalid. I informed the service about this nonexistent account, but they stated that the payment had already been processed and that their policy is not to issue refunds. I threatened to escalate the matter to external authorities and provided them with a five-day deadline for a response. Unfortunately, there was no reply from the service. Currently, I am in Australia and have conducted some research. The next step is to file complaints with regulatory bodies, which I believe include:
1. Telecommunications Industry Ombudsman
2. Australian Communications and Media Authority
3. Australian Competition & Consumer Commission
4. Westpac fraud If anyone has suggestions for a more effective process, please share.
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