An iPhone I returned to Apple has not been refunded to my credit card. I have reeieved a billing document from Apple saying that my refund was processed on 19th. Apple told me to contact the card company as it should have arrived by now. I have been in contact with the card and they told me to open a dispute and are sending me a form - a process that will seemingly take weeks to resolve. Has anyone had this? I'm surprised Apple haven't said they will investigate their end and just told me to ask the card company.