Yesterday, I made a purchase on Apple and due to a payment issue, the purchase was canceled before a receipt was even issued. I contacted the company requesting a refund, but since the payment was still pending and no receipt was issued, they advised me to contact the bank. Upon contacting the bank, they confirmed that the company had initiated the transaction but had not completed it. Currently, my money is in a pending status and the bank is unable to cancel it. I keep calling the bank and they redirect me to the company, while the company refers me back to the bank. If the company had deducted the money, they would have issued a receipt; however, the bank is holding my funds in pending status. I am requesting a refund. Even a giant like Apple failed to ensure my two cents are safe. There seems to be a widespread issue of pending transactions at Garanti Bank and everyone seems to be complaining. Has anyone experienced this issue and found a solution?