TLDR at the end.

Note: I'm removed names of all companies.

I signed up for a 7 day free trial. When the trial was over and contacted the company through their support form to cancel my account, the next day, 1st Oct, I was charged $99. I didn't get a response from them and eventually forgot about it.

On 31st October, I was charged again.

On Nov 4th I noticed the charged, and this time I emailed them, stating that I've previously contacted them and was still charged again. The responded with:

Nov 5th I followed up

Nov 7th they replied:

Nov 21st I followed up again as I hadn't received a refund, asking them for a proof so I can share it with my card issuer in case there was an issue.

Nov 25th I followed up again, after leaving a review of my experience on their ProductHunt page.

Nov 26th they replied

Doc 4th I followed up on the proof, after leaving a review on TrustPilot, they responded with:

The review in question was posted a few minutes before their email reply. They levied an accusation of extortion and asked to see proof that I hadn't received a refund.

I shared a screen recording of my banking app, from the date of the first transaction till Dec 4th.

We went a back and forth a bit more.

Dec 6th, this is their last email:

What is [Card issuer]? Looks like an offshore fly-by-night institution. Obviously you should contact them, right? That would be the professional thing to do.

Rather than what you did, which is engage in slanderous libel. Yeah I see you have some other brands on your LinkedIn profile that you're ssociated and they all have negative reviews online too. Is that all a coincidence too? 

Dec 6th there was another attempted charge on my card - it didn't go through as I didn't keep enough funds.

I emailed my card issuer support, it's a fintech that uses the services of a Bangor Savings Bank. I shared the email communication.

They are refusing to move forward with a chargeback/dispute unless I've able to share a refund transaction ID. I've shared with them in detail all the emails, and my suspicion that the merchant did not issue a refund, as there was not refund receipt, and as far as I'm aware, Stripe will automatically generate a transaction ID on a refund.

I also contacted Stripe and Bangor Bank as well - but they're unable to support me either.

What are my options?

TLDR:

Signed up for a free trial and was charged despite attempts to cancel the subscription. The merchant claims to have refunded me, which I did not receive. The card issuer (a fintech using a Bangor Bank's services) is refusing to proceed with a chargeback unless I'm able to share the refund transaction ID. The merchant is refusing to respond to any communications.