I had a problem with an agency that I have been using for about  month, they were responsive to the problem,
and I certainly not here to flame anyone, but  I do believe we are having an “ honest” disagreement on
how this incident should be viewed.
Onne hand the admit what the call a small mistake but believe they went above and beyond there obligation to fix a problem from that mistake, on the other hand while I appreciate their efforts ( not every agency would have helped) in my opinion this not great customer but the least they could do under the circumstances

The problem started when I booked the appointment, at that time I was promised a $50.00 discount, ( their normal rates are somewhat higher than most) but the  appointment was made about two weeks in advance, so I knew there was a good chance no one was going to remember the discount by the time the appointment came.
I did not want to have get into this with the provider so I called the agency office, a female handling the calls said she knew nothing of the discount , after a few minutes of not getting anywhere with her I decided not to press the issue
while I was on the phone she asked if I wanted to go ahead and pay this a credit card I have never used a credit card before, however given I had this person on the phone and I had access that day to a corporate card , I decided to go head. I asked if the agency had a preference cash/credit because I was sure they would have to pay a service charge on the  credit card, she it did not matter, it just up to me, although I found out later there was in fact aa $20.00 service charge.
After taking the information she asked for the 3 numbers on the back of the card, I explained that I did not have the actual card. After some delay she came back and said I was all set and “unless you hear from me, there is problem”.
As it turned out the provider needed to cancel so the appointment was set for two days later.
This was one of my favorite providers, and there had been somewhat of a misunderstanding between us, so I really wanted this appointment to go well. During a break about 30 minutes into the appointment, she casually tells me she needs to get the imprint of my credit card, of course I did not have it, as one told me i needed, plus i had already told them, i did not have the actual card anyway, the provider then  called the agency, after explaint why I did not have the card, I am  told  the charge had actually never gone through, apparenly, the female I gave the credit card info to  left prior to getting the error message and left no note for anyone to f/u , (the error was caused because she missed that last digit on the card.)
Given we were in the middle of the appointment I asked if I could finish first, then go to an ATM to get cash
I was told no  that if I did not  have a credit card  with me to use that I needed to go to the ATM before the appointment could continue.

Question:
At this point I had three options: What would you do?

1. Walkout.
2. Get dressed and go find an atm and come back, (although the hour would most likly been up by the  time I got back and there was another appointment behind me).

3. Use a personal credit card, which could lead to me having to explain the charge to my wife later.

Honestly given the position the agency had put me in, I really thought I had a right to walk out, but
I was worried that if I did it could  be a problem for the provider because she waited so long into the appointment to ask about the credit card, so I stayed, but in the confusion I gave my debit card ( looks very similar to my credit card ) which meant rather than having a month to come up with an excuse the charge would immediately be my online statement bank statement which my wife checks every morning, and when sees this charge after I “worked” until 10:00 the night before I am bused.
The session lasted another 10 minutes, as soon as it end I called the agency in a panic and got one of the owners, I told her the story, she said she would try to help, but she acted like she was doing me a huge favor, telling me they don’t  usually allow charge backs but she would try to help in anyway she could, meanwhile I am about to have a heart attack. First I was told only the other owner could do charge backs and he had left and would return the following day, this is not what I was looking for.

After about 30 minutes on the phone she told me the only way they could reverse the charge was if I took cash to the provider i hand seen after her next appointment, at this point I was already 20 miles from the in call site and I would have not have gotten home until after 11:00 or later, if I did this, not a good option. She then agreed to meet me first thing in the morning to pick up cash. The charge was already on my online statement so I went hope and disabled our computer and prayed. The next morning  gave her the full amount  minus the $20.00 service fee, and she said they would  reverse the charges. The agency’s position on this is yes we made a small mistake but we went  above and beyond to fix the problem and have not offered ad refund of any kind, in fact they left the $20.00 service charge on my account, when the reversed the other charges.
I disagree I think  given what happened and the fact that they put me in an impossible situation I should get some refund.

Am I do some sort of refund?. What do you think?

1. They should at least refund $70.00 , to cover the $50.00 discount that had been previously promised and  the $20.00 service charge, I was not told about.

2. They should keep just enough money to pay the provider and refund the rest to me.

3. They should give a full refund

4. They are right to keep the full $420.00.

Thanks everyone.