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If it's on a Honda, bring it to the dealer (lifetime of the vehicle warranty of seatbelts) they will attempt to clean the parts first but will ultimately replace them under warranty.
Not sure what the warranty is on other makes, but make sure to clean the holder on the b-pillar very well. The oils from our fingers and dirt accumulate on the belt and rub off on the holder on the B-pillar and gunk it up which increases the drag on the belt and the older retractor can't compensate for this extra drag, letting the belt hang low.
You can also do what H-Man said and take off the pillar trims and blow out the dust and inspect the retractor mechanism.
My VX had the super slow retracting belts...I cleaned the holder extremely well and it helped to improve the retracting of the belt. I eventually took off the B-pillar trim and blew out the dust off the mechanism and used a dry-film lubricant on just he mechanism (so the belt would not get any on it) and that helped as well.
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