<prompt> Human: I ordered jewelry online from JCPenney for a total of 497. It was charged in two different transactions as stated, one for the item, one for the warranty. Upon receiving the item I decided to return it due to the poor quality for the price. I returned it in store for a full refund to the card I used. In store I signed the pad to authorize the return of -497 to my account. Today the day after the return I was refunded the money, but also charged the same amount, therefore leaving me out the original 497 charged. The issue is they charged my account before the refund was issue causing my bank to pull money from my savings account, however I dont think there have been any fees associated with it. I called JCPenney and they said I was without the money until they could investigate what happened and they should call me back within the next 2 days. Should I report the charge made today to my bank? I never authorized a second withdrawal of that amount or should I just wait for a response from JCPenny.  <response>: Wait for a response from JC Penney. If they dont fix the issue in the 2 day time frame they gave you, absolutely involve your bank. 