Many users seldom pay attention to their billing statements until an unexpected charge catches their eye, often due to an automatic subscription renewal. This guide is designed to help you navigate the refund processes for Multiple Merchants, including Cloaked, Thrive Market, Infogram, MyFico, and Netflix. Here, you’ll find clear information on eligibility for refunds and step-by-step instructions to swiftly request your money back. Our goal is to make the refund experience as seamless as possible for you.
What You Should Prepare Before Applying For Refund
Order Confirmation Email - Keep the email you received when you made your purchase for reference.
Transaction ID - Locate your unique transaction ID associated with the purchase you wish to refund.
Account Information - Ensure you have your account email and any login details handy.
Cancellation Policy - Review the specific refund policy related to your purchase on the merchant's website.
Reason for Refund - Prepare a detailed explanation for the refund request, which may be required in your communication.
Proof of Non-Use - If applicable, gather evidence showing that the service or product was not used, such as screenshots or other documentation.
Billing Statement - Check your bank or credit card statement to confirm the charge's details for your refund request.
Service-Specific Documents - For services like MyFico and Netflix, have any account-related documentation that proves your subscription status.
How Long Does it Take to Get a Refund?
Payment method
How long it takes*
Credit/Debit Card
3-5 working days
PayPal
2-3 working days
ACH Transfer
5-7 working days
Gift Card
Immediate to 5 working days (based on merchant policy)
Apple Pay
3-5 working days
*Working days are Monday to Friday, and don't include public holidays.
What are my Rights? Am I eligible for a Refund from Multiple Merchants (Cloaked, Thrive Market, Infogram, MyFico, Netflix)
Users of Multiple Merchants (Cloaked, Thrive Market, Infogram, MyFico, Netflix) have specific eligibility criteria that may determine their right to a refund. Each merchant offers unique services and has its own policies, which can affect how refunds are managed. Understanding the specific circumstances relevant to each platform can help users navigate their account management and billing queries.
Here are some situations that may qualify users for a refund across these platforms:
Cloaked: If users encounter issues accessing their subscription features due to technical difficulties, they may inquire about potential refunds for unavailable services.
Thrive Market: Members who experience a delay in receiving their orders or receive incorrect items could be eligible for refunds based on the member satisfaction guarantee policy.
Infogram: Users who believe they were billed incorrectly for a subscription tier that does not match their usage or project limits might seek clarification on their billing and explore refund possibilities.
MyFico: Users may inquire about refunds if they believe they were charged for services not utilized within their subscription period or experience service interruptions that affect product access.
Netflix: If users discover that their account has been billed for periods without usage or if they attempt to access content without success, they could explore refund eligibility based on Netflix's policy for inactive accounts.
In each case, it is recommended that users review the specific policies and communicate directly with the respective merchant for detailed information about eligibility for refunds based on individual account circumstances.
Step-by-Step Process to Request Your Multiple Merchants (Cloaked, Thrive Market, Infogram, MyFico, Netflix) Refund Like a Pro
If you purchased through Cloaked:
Visit the Cloaked website and log in to your account.
Navigate to the Account Settings section.
Click on Billing to view your transaction history.
Locate the specific transaction you wish to request a refund for.
Click on Request Refund next to that transaction.
In the message box, write that the subscription renewed without notice and you did not use it.
Submit your request.
Check your email for confirmation of your refund request.
If you purchased through Thrive Market:
Go to the Thrive Market website and log into your account.
Click on your profile in the top right corner, then select Account Settings.
Find and click on Membership to view your payment history.
Identify the subscription or payment for which you want a refund.
Click the Request Refund button next to that charge.
In your message, mention that you did not use your account and that you were charged unexpectedly.
Submit the refund request.
Monitor your email for updates regarding your request.
If you purchased through Infogram:
Log into your Infogram account.
Click on your profile icon in the upper right corner.
Select Billing from the menu.
Scroll to find the billing history and locate the transaction you'd like refunded.
Next to that transaction, click Request Refund.
In your message, state that you were not aware of the renewal and did not use the service.
Submit your request.
Keep an eye on your inbox for any responses regarding your refund.
If you purchased through MyFico:
Access your MyFico account and log in.
Go to the Account section from the dashboard.
Click on Billing History to review your payments.
Identify the transaction you would like refunded.
Click on the Request Refund option next to that payment.
In your message, emphasize that the renewal was unexpected and the service was not used.
Submit the request.
Check your email for confirmation or further instructions.
If you purchased through Netflix:
Open the Netflix website and sign in to your account.
Click on your profile icon, then choose Account from the menu.
Scroll to the Membership & Billing section.
Locate the most recent payment you wish to dispute.
Click the Request Refund link associated with that payment.
In your message, express that you did not intend to renew and have not used the service recently.
Submit your refund request.
Watch your email for replies concerning your request.
Disclaimer
Chargeback is an independent consumer resource that provides educational information to help users understand how to cancel, manage, or request refunds for various subscriptions. We are not affiliated with, endorsed by, or sponsored by any of the companies mentioned on this site. All trademarks, logos, and brand names are the property of their respective owners.
The information we provide is based on publicly available sources and user reports and may contain inaccuracies or become outdated over time. Our guides are intended for general informational purposes only and should not be relied upon as official company instructions or legal advice.
Consumers are solely responsible for reviewing their own contracts, terms of service, and refund or cancellation obligations before taking any action. Nothing on this site should be interpreted as legal, financial, or contractual guidance.
Chargeback does not encourage or condone disputing valid charges, misrepresenting transactions, or taking any action that could violate a company's terms, service agreement, or applicable laws. We promote fair, transparent, and lawful communication between consumers and businesses.
Get help with your refund
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Draft email to Multiple Merchants (Cloaked, Thrive Market, Infogram, MyFico, Netflix) for Refund
I would like to request a refund in the amount of [Amount].
Please find attached documentation to support my request, if applicable.
I would appreciate your confirmation regarding this matter within 3-5 business days.
Thank you for your attention to this matter.
Sincerely, [Your Name] [Your Phone Number]
Common refund statuses
Status
Meaning
What It Means for You
Pending
The refund request has been submitted and is awaiting approval.
Your refund request is in the system; you will be notified once it is processed.
Processing
The requested refund is currently being reviewed and processed.
Your refund is being evaluated; please allow a few days for this stage to complete.
Refunded
The refund has been approved and the funds have been returned to your account.
You should see the refunded amount reflected in your payment method within 5-7 business days.
Partially Refunded
A portion of the original payment has been returned.
You will receive the specific refund amount shortly; the remaining amount will stay with the merchant.
Completed
The refund process is fully complete, and no further action is required.
Your account has been fully credited with the refund amount.
Denied
The refund request has been reviewed and not approved.
You will receive an email explaining why the request was denied; you may need to contact support for further details.
Canceled
The refund request has been canceled by you or the merchant.
No further action will be taken; your original charge remains valid.
Real User Scenarios: When and How Refunds Were Successfully Claimed
Users often encounter situations where they may need to request a refund from their subscriptions or purchases with various merchants. Below are some realistic scenarios demonstrating how individuals successfully navigated the refund process for services offered by Cloaked, Thrive Market, Infogram, MyFico, and Netflix.
Cloaked: A user mistakenly purchased a year-long plan instead of a monthly subscription. After realizing the mistake, they contacted Cloaked's customer service through the app’s messaging feature. The representative quickly verified the cancellation and processed a refund for the difference within a few days.
Thrive Market: A subscriber received a damaged product in their organic food delivery. After submitting a photo of the damaged item through Thrive Market’s customer support portal, they were promptly issued a refund along with a credit for their next order, ensuring a seamless shopping experience.
Infogram: A user was dissatisfied with their Infogram subscription after trying the service for a month, feeling it didn't meet their needs. They initiated a chat with customer support, who reviewed the account usage and offered a refund for the unused portion of their subscription without hassle.
MyFico: An individual sought a refund for an extra credit report they purchased, not realizing it came bundled with their subscription. After reaching out to MyFico’s support team with a brief explanation, they confirmed the refund could be processed as it fell within the refund policy timeframe.
Netflix: A family decided to pause their Netflix subscription while traveling. They accidentally missed some billing cycles and reached out to customer service with their inquiry. The representative confirmed their request and processed a refund for the last month, as Netflix aims to provide flexibility for their users.
The Easiest Way to Get a Multiple Merchants (Cloaked, Thrive Market, Infogram, MyFico, Netflix) Refund
If you're frustrated trying to get a refund from Multiple Merchants (Cloaked, Thrive Market, Infogram, MyFico, Netflix)—or if you didn't even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or card account, and we'll take care of the rest.
How to Track Your Refund Status Efficiently
Tracking your refund status efficiently across various merchants can save you time and provide peace of mind. Here are some specific tips for tracking refunds with Cloaked, Thrive Market, Infogram, MyFico, and Netflix:
Cloaked: Refund updates are communicated via email. Make sure to check your inbox for emails labeled "Refund Confirmation" or "Refund Update". You can also track the status in your account dashboard under the "Order History" section, where pending and completed refunds are displayed.
Thrive Market: Thrive Market sends notifications through their mobile app. To check your refund status, navigate to the Order History in the app, where you will find detailed information including processing times and refund progress indicators.
Infogram: Infogram communicates refund status changes via in-app notifications. To find your refund progress, log into your account and visit the Billing Section. Here, you’ll see a timeline of your transaction history, including any refunds issued.
MyFico: Refund status updates are sent through email, so keep an eye on your inbox for notifications. For a more immediate check, log in to your account, and go to the Order History. Each transaction will show the current status of any pending refunds along with expected timeframes.
Netflix: Netflix provides refund updates via email and in-app notifications. You can check your refund status by accessing the Account Settings section on their website or app. Here, under the Billing Details section, you will find the status of your refund alongside your payment history.
FAQ
Refund policies vary by merchant, but generally, if you forget to cancel on time, you may not be eligible for a refund for the last billing cycle. It's best to review each merchant’s specific refund policy or contact their customer support for assistance regarding your situation.
Refund processing times can vary by merchant, typically taking between 5 to 10 business days to appear in your account. It's important to consider that each financial institution may have its own timeline for reflecting those changes. For the most accurate updates, it's advisable to check directly with your bank or payment provider.
If you see a charge from a merchant but do not have an active subscription, first check your account details with the merchant to verify your subscription status. If you still believe the charge is an error, contact the merchant’s customer service directly for clarification and assistance regarding the charge.
If you're unable to receive a refund directly from Multiple Merchants, consider reaching out to their customer service once more for clarification or additional assistance. You might also explore escalating your inquiry within their support system to ensure your concerns are addressed. Additionally, reviewing your account details could provide insights or documentation that may assist in your discussions with the merchants.
If multiple merchants like Cloaked, Thrive Market, Infogram, MyFico, or Netflix refuse to issue a refund, consider reviewing their specific refund policies to understand your options. You might also want to reach out to their customer support again for further clarification or additional assistance. Checking your account details to ensure everything is accurate can also be helpful.
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¹ Total savings is calculated based on internal annualized estimates of savings for customers. ² Average requests times may vary depending on volume of requests
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