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I think I will send in the dispute. Fortunately, I have several e-mails that document that they told me things that were not true and the agent apologized in the e-mail. When I asked for a refund at the time of the charge, they refused. So, I think my case is pretty good to win the dispute. I will send copies of the e-mails with my dispute. I can show that they were dishonest and unwilling to credit my account back. I will let you know.