NETSPEND Took my money and ran Austin, TX Internet

I purchased a desk and hutch for my college age daughter from a local retailer. When we returned to pick up the merchandise with a truck it was discovered the merchandise was damaged. It was $679.00 It was the day after the purchase and they are not a large volume retail and explained that they didn't have enough cash to provide me a refund. They were trying to locate the merchandise at another location but I was not willing to accept a store credit for $679.00 when I paid cash. The stores solution to the problem was we will credit a credit card that way if we locate the merchandise you can still purchase it and if not you won't be stuck with a store credit. Fine by me. I'm trying to make it easier on myself and the store as I am disabled and did not want to come back the next day after they had saved deposits. We find a dresser and desk at another retailer. I try to use my netspend it says I have a balance but my card is declined. I call. Well you don't have a purchase on this card from that retailer in the same amount so we blocked your account. Okay fair enough what do I need to do. Go back to the store and have them reverse the credit. I go back to the retailer which looks at me like i am crazy and they tell me there is nothing they can do for me. They issued a credit to me in lieu of cash and as far as they are concerned we are even. I call netspend back, you will have to make a charge for the exact amount to take the credit off of your account and they will have to refund you in cash. Fine go back to the store only my card is blocked so the trans is declined!!!! The retailers take on it is we gave you back your money and were done. Netspend will not help me at all and it has been 3 weeks. What do I do? Its not a million dollars but its a lot to me. I already put additional money out to buy my daughters furniture as she was moving,

Losing it
frisco, Texas
U.S.A.