Wayfair review: Order billed, canceled, full credit not received.

8/10/2020 Placed a first time order with Wayfair for an outdoor dining set, online displayed 6 in stock. Based on the price, I applied for the Wayfair credit card. Accepted, credit line was short in covering $131.24 of the $1299.00 purchase. Well big mistake, used a VISA Debit card. Approximately 4 days letter an email from Wayfair to advise the merchandise is no longer available. The Wayfair credit card issued through Comenity Bank was credited to a $0.00 Balance - were is my VISA Debit card credit? Nobody knows. An investigation had to take place. Monitoring my checking, nothing but please be assured the charge posted in no time before any confirmation merchandise was not in stock. Called Wayfair, apologies and nice service, but it is my issue to track to Comenity Bank now because they have the $131.24 even though this money was never charged to that credit card. Wayfair could not contact this bank they do business with to assist. If anyone can figure this out, please share. Called Comenity Bank, terrible customer service, if you get Tina, just hang up because she is rude, and does not listen to a customer or let the customer talk. I escalated to a supervisor. Well, he would see what he could do but this would require them to generate a chargeback to Way Fair to get my credit back to my VISA Debit card, this could take 7-10 days or they can send me a check looking at 7-10 days. Now it was time to state the facts to him, this is not acceptable, I am certain they are in violation of VISA Regulations, you know keeping money that no merchandise was shipped or that Comenity Bank processed. I stated to make it clear, I will look at avenues for a class action suit for this practice as well as take steps for social media. For some strange reason, both companies played the he said she said game, pointing fingers at the others, guess what I do not care, fix this issue because my next call will be beyond a supervisor level. As a consumer this is not my mess to fix, but guess it is if I want my money back that they have for absolutely nothing. By the way Way Fair credit cards will no longer be handled by Comenity Bank in 9/2020, imagine that. What absolute poor customer experience. Never again. Good luck for all who continue to support Wayfair. Just plan to resolve an issue on your own with this company.