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If the "It's not what I expected" option doesn't show up, it thinks you've added the game with a key rather than purchased through Steam. Check this page and see what it says for how you acquired the game
https://store.steampowered.com/account/licenses/
Tickets: Find a button labeled Contact Steam Support. Not every path has that button since Support only helps with specific problems (pretty much just Billing and Account issues).
Email/phone: You don't. Only way to contact Support is through the ticket system.
You can only refund games you bought on Steam store.
you can only refund games on steam if you purchased them through steam
Your money is currently in a transaction "hold" with your payment provider and will be returned to you if the transaction con not be completed after a time.
Pending means Valve is waiting for the money to be delivered by your payment processor.
That has nothing to do with refunds.
https://help.steampowered.com/en/wizard/HelpWithPurchase
Transaction status.
https://help.steampowered.com/en/wizard/HelpWithPurchase
Your bank put a hold on your funds until the transaction clears or fails. If it fails the bank will release the funds back to you in 3 to 5 days. If it clears you will get the game and the money will be sent to Valve.
You could have used the search bar and found this out instead of bumping a 5 year old post that mods will just lock.