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Why I have I not heard from you regarding a refund due me?

I have never received my refund to my master card for merchandise returned the latter part of September, 2008.   My customer number is 366849017, Mrs. Genevieve Kelley.   I have called three times and was told it would be taken care of, but upon receiving my bank statement, I find no refund from you.   wHAT is the problem with the people I have talked to.   They assured me it would be taken care of and now it's another month later.    Please help me or I will have to turn it over to my attorney.   The balance due me after returning the merchandise is $91.94.   Your charge for shipping appeared on my bank statement two months ago so I know you received the  returned merchandise.    Please call me as your contact by phone is terrible and impossible to get through.    I expect to hear from you immediately.    My telephone number is:  408-294-9289.    Thank you.   Genevieve Kelley


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