[eganist]

> "Nah, we're just gonna do it all, we have an email where the merchant refused to honor a warranty, they have no leverage."

From the bank's perspective, this makes sense: better you keep your money with the bank than it flow out to the vendor.

[hvidgaard]

I think it's less nefarious than that. The vendor did not fulfil their end of the contract, so the contract is voided and the money is transferred back. If the bank starts to go into do partial refunding they could suddenly be spending a lot more on this service.