Disputes over consumers' rights and interests between consumers and business operators can be resolved through the following channels:

1. If you don't return the card, you can find a consumer association or other legally established mediation organization for mediation.

2. You may apply to an arbitration institution for arbitration or bring a lawsuit to a people's court.

Suggestions for action:

The solution for merchants not to refund fees is as follows:

1. If it is an online shopping product, you can complain to the purchasing platform;

2. Call the 123 15 consumer hotline to complain and safeguard rights and interests;

3. Ask the local consumer protection association for help, that is, the third party persuades, communicates and mediates the parties to the dispute, so as to urge them to reach a settlement;

4. When bringing a lawsuit, consumers can bring a lawsuit to the people's court for infringement of their legitimate rights and interests, and request the court to conduct a trial in accordance with legal procedures.