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In my opinion, unless there is indisputable photo evidence that this is not the same animal, no return or refund is deserved at all. If Mr. White does not send that iguana back immediately, he must return the $100 or it is theft, plain and simple. Refund after return is standard. This really looks like a clear case of buyer's remorse due to the animal's temperament, which was discussed beforehand anyway. It seems like the buyer thought he could deal with an non-tame animal, realized too late that he couldn't, and concocted some BS about it not being the same animal, then moved on to threatening a chargeback while keeping the animal (stealing) and finally moved on to actual stealing (receiving partial refund and not returning the animal.) He really sounds like the customer from hell and I'm so sorry you've had to deal with this, Mr. Tran. Just, whatever you do, don't give him any more money. I don't think you'll ever see this iguana again.
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