I am having a difficult time with a chargeback issued by Kelley's Music Emporium in Massachusetts. They ordered a guitar neck from my online store, I shipped it, they received it, then they filed a dispute. I responded with all the docs and signed Fedex Proof of Delivery to my merchant bank. I also talked to KME by phone. They told me their mistake and they would call their bank to reverse the chargeback (now the owner denies ever talking to me). Months later, TD Bank ruled in KME's favor and took the money out of my merchant banking account. I contacted KME by phone and emailed several times without reply. When they finally replied they claimed TD Bank never issued them a credit and KME was not going to pay me twice (at least they admit to making the purchase). KME said they would call TDB to clear this up. I am still waiting to hear from them weeks later. I have called TDB on my own with their Debit Card Investigations only to ask if they have issued the credit or not and when. They said they could not do that but I did find out that TDB issues refunds 10 to 60 days after the dispute is filed by their customer. KME's order with us was May of 2009, dispute filed in June, so KME should have received a credit before the end of summer. Without cooperation from KME or TDB I don't know who is telling the truth or is there a clerical error?