The time it takes to receive a refund from Overstock.com can vary based on a few factors. Typically, once a return is initiated and the returned item is received by Overstock, it can take up to five to seven business days for the return to be processed and the refund to be issued. After the refund is processed, the time it takes for the funds to appear in your bank account or on your credit card can depend on your financial institution. This often ranges from three to five business days, but it can vary based on the bank's policies. For the most accurate and current information regarding refunds, it may be helpful to refer to the relevant section of the Overstock.com website, as details can change.