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This has been the WORST experience. I purchased a Samsung GalaxyS8+ and returned it after finding a better deal through my cell phone carrier. Phone was received at my home on 7/25/17. Phone was returned on 7/28/17 and DELIVERED back to Samsung on 8/1/17. The amount I paid for this phone was $675.88. It is now November 30th and I HAVE NOT RECIEVED MY REFUND. I have spent HOURS and had MULTIPLE calls on my days off with different agents and managers explaining my situation over and over since August. How in the hell does it take 4 months AND COUNTING for a refund?! I have been told different stories of what's happening. I have called TD Bank, Samsung e-commerce, Samsung corporate and am STILL WAITING. I WILL NEVER, EVER, EVER RECOMMEND SAMSUNG FINANCING FOR ANYONE.