Are these sentences natural? Requesting refund amount failed

Why do you have to make it so complicated? Ive been using online shopping websites for years now and this is the first website that ive found that has complicated refund process.

Ive been using online shopping websites for years now => ive been shopping online for years now. (which one is right?)

Why didnt you send the refund amount to the debit card used to purchase the items at the first time?

Or

Why didnt you transfer the refund amount to the debit card used at the first time?

Or

Why didnt you transfer the refund amount to the debit card associated with the usér account at the first time?