CBT you are correct. I definitely won't eat anything that has that smell.....seems to happen in waves here and is probably associated with chemical sprays like Amanda mentioned, because it is usually in corn/flour products. I have bought those gingersnap cookies at the bakery with it before too.
Replacement or credit? Well that depends on where you got it...especially down here.
Usually when it happens to me, I just avoid that product for a week or so and then it disappears.
In my lifetime there have been so many products, additives, chemicals that have been regulated out the wazoo by the FDA, some of which were legal for a big part of my life, I just can't get too worked up about it, especially here. Every time the big mosquito truck goes by our place, I get a whiff of a smell from my childhood, that you won't smell most places in the US anymore.
I won't eat food at a restaurant that doesn't taste good. I learned my lesson about that over five days several years ago.