I’m in the middle of a back and forth with one of the on-line companies (not naming them for fear of defamation). Bought an item C.O.D., paid cash (฿300) but had to return the item. The company put the amount of my return in a “wallet.” In order to use it I have to give them my banking/passport information. Nope, that’s why I chose C.O.D. Asked them to put a credit on my account to draw from. They said no. Various reasons given for the process - money laundering issues, policy changes. So I asked them to send me a check. Haven’t heard back yet. It’s a small amount, I know, but I paid cash and they’re sitting on it. They took my cash with no verification.