Seems like this happens a lot but hsn is lying to everyone they are holding the money not the bank. I am going through the same thing and I have been waiting 7 days for my money back still nothing. I have called my bank and the bank says hsn has not released it even though I have called them 3 times and they said they have. I have now contacted my lawyer since it seems that I am definitely not the only one this is happening to. Very shady business practices.