Refunds are between the customer and the distributor, no need to argue.
As for being incomplete, the game features three campaigns with fifty quests each, three unique game modes as well as a very powerful editor, and a host of other features that translate into a lot of bang for your buck. Sure the game had a soft release a couple weeks before town PVP and alliances were enabled, but we were very open about all this - including what would and what would not be in the initial release as well as our promise to our fans. I call it a soft release because the game will be much more available later this month, and that is also when the marketing drive will really kick in. Our CEO even urged people to wait a couple weeks to buy the game if they wanted optimal performance and all the PVP features for their first playthrough - I think that's a pretty honest disclaimer right there. But no, I would not call DOF an incomplete game by any means.