What can someone do if an item that is refunded at Sam's Club on 01/20/2016 to a debit credit card doesn't get to the credit union. My credit union told me Sam's Club will have to fix. Sam's Club is telling me it is out of their hands but in the mean time I'm out almost $40.00. The manager at the club told me I would have to wait 30 days. My Credit Union and someone at Sam's headquarters said that the 30 days is false. I am in the mean time at a loss at what to do. I'm on disability and really need the money in my account.