I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. 
I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. 
This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. 
I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail. 
