8210187808508405
Transaction Details: AliExpress Order Number: 8210187808508405 Payment Method: Visa Card (ending in 3215) Transaction Date: March 23, 2026 Total Amount Charged: 740.48 PLN Dear Legal and Compliance Team, I am writing to lodge a formal legal complaint against Alipay Europe S.A. regarding an unresolved refund issue and potential unjust enrichment concerning AliExpress Order No. 8210187808508405. On March 23, 2026, I purchased an item for 740.48 PLN. Following my legal right to withdraw from the contract, I requested a return. A prepaid return shipping label was eventually provided by the merchant (ANBERNIC). I dispatched the return package on August 5, 2026, and according to official logistics tracking, the merchant successfully received and signed for the returned goods on August 10, 2026. To date, I have received neither the product nor my funds. The merchant and the automated AliExpress platform claim that a refund of 700.45 PLN was processed. Furthermore, during a chargeback procedure with my issuing bank (mBank S.A., Poland), your automated system falsely declared to the bank that the dispute was resolved via a completed refund. I hereby state under full legal responsibility that no refund from AliExpress or Alipay has ever been credited to my bank account or Visa card (3215) since August 10, 2026. My bank statements conclusively prove a zero-balance entry regarding this transaction. Furthermore, there is an unexplained and unauthorized discrepancy of 40.03 PLN between my original payment (740.48 PLN) and your alleged refund amount (700.45 PLN). As the licensed payment institution handling this transaction in the European Union, Alipay Europe S.A. is legally obligated to ensure transparent and accurate settlement of consumer funds under EU payment services directives (PSD2). Therefore, I demand that Alipay Europe S.A. immediately provides: The Acquirer Reference Number (ARN) or Reconciliation Reference Number (RRN) for the alleged refund of 700.45 PLN, allowing my bank to manually trace the funds. A detailed merchant settlement receipt showing the exact date, timestamp, and target account numbers of the processed refund. A formal explanation for the unauthorized deduction of 40.03 PLN. If the refund has failed or was stuck in your intermediary systems, I demand the immediate remittance of the full 740.48 PLN to my original payment instrument. Please be advised that if this matter is not resolved within 7 business days, I will escalate this formal dispute to the Commission de Surveillance du Secteur Financier (CSSF) in Luxembourg (as your primary financial regulator) and the Polish Financial Supervision Authority (KNF), alongside a formal intervention request through the Polish Financial Ombudsman (Rzecznik Finansowy). I have attached the official complaint refusal from my bank showing your platform's claims, alongside the postal tracking proof of delivery from August 10, 2026. I await your urgent and manual review of this matter. Sincerely,