BEWARE! Walmart.com was to issue my bank for items missing. What they are doing now is splitting the refund refund!! 80% goes back to bank and then they are applying 10% to a promo code 10% gift card. Both MUST be used within 24hrs. This is all without customer(s) consent or knowledge. I learned by checking my bank account, saw partial refund and I called customer service. So, instead of giving customer back their money they are keeping it via gift card/promo.Is this legal?