Samsung Refund Process Issues

I purchased 5 items with an end-of-month delivery date from the Samsung store at Ankamall on July 9, 2023. After they were delivered, during the service setup, I noticed a clear defect in the television and wanted to return it. I contacted the store and initiated the return process. Within a short period of 2-3 days, they came and picked up the TV from my home, but the refund was never processed. I had multiple phone calls and face-to-face meetings with store representatives, but despite almost 35 days passing, the outcome remained the same. So, I called Samsung customer service. After 2-3 phone conversations with customer service, approximately one week to 10 days later, on the 45th day of initiating the return process, they began processing the refund. However, this time they processed it as an installment refund, even though I did not make the purchase in installments at the store. I made the payment through my credit card with the bank. Throughout this process, it's clear that Samsung knowingly sent a defective product. Despite the maximum allowed time for a refund (14 days) being exceeded by more than three times (45 days), the refund has not been fully processed, and they are attempting to refund it in installments. Additionally, my credit card limit is still blocked, and there is no authorized personnel explaining the logic behind this. As a result, for the past 45 days, I have been trying to explain my problem to various parties and resolve it. At the moment, I have neither a television nor access to my full credit card limit, and there is no responsible party providing a satisfactory explanation for this situation.