Product: Debt collection

On XX/XX/2023 I purchased multiple items at a business in XXXX XXXX called XXXX XXXX XXXX while vacationing. The product we wanted to buy were these sparkly, XXXX XXXX pool balls for a new home we were under contract to buy. The salesman at XXXX  XXXX XXXX named XXXX ( the owner I believe ) said during the purchase he had the balls in stock and would ship them to us. The pool balls were valued at over {$600.00}. Before paying for the pool balls the salesman talked us into buying other items in their store and our total purchase price came to {$2000.00} dollars. Everything seemed fine and we left the store. The same day we received an email saying " this email is to inform you that your order XXXX, made on XXXX XXXX of XXXX XXXX XXXX was processed and is on the way to you Fulfillment time may take XXXX business days depending on the XXXX party delivery company delivering your order ''. On XX/XX/2023 I receive a text from XXXX the pool balls were out of stock and he could instead send us different pool balls valued at {$300.00} or we could wait 30 days. We said no we want the product we ordered, the balls we wanted were twice that price so we'll wait. On XX/XX/2023 I receive another text from XXXX asking if we want " a game used XXXX XXXX jersey instead of the pool balls or wait for the pool balls. '' We again said we'll wait. On XX/XX/2023 I receive another text from XXXX saying " I'm not sure when the balls are back in stock, we would like to process a refund of {$290.00} if you would not like to keep waiting. '' Because it felt like I got scammed and was never going to receive the pool balls I disputed the {$2000.00} charge on my credit card and the XXXX  XXXX was added back to my credit card. Within a month of disputing the charge I switched banks because the Wells Fargo branch was no longer convenient to the new home we purchased. My Wells Fargo credit card had a XXXX balance when it was closed. Later I come to find out I lost the dispute because some of the products I received so I could not dispute the full amount. However in my defense there was no option to dispute part of the XXXX XXXX for the product I did not receive. After this happened the {$2000.00} went back on my closed out Wells Fargo Credit card and the merchant told Wells Fargo they would refund me what they owed or send me what I ordered. To this day I never received a refund or the pool balls. Yesterday I discovered the {$2000.00} has been collecting interest and fees for over a year and the balance is now $ XXXX. But the worst part is Wells Fargo made the account a charge off and this has caused my credit score to go from XXXX to XXXX and I have no other derogatory marks on my credit report but this one charge off. This feels like fraud to me because the merchant never sent me the product or refund I was owed and Wells Fargo earned interest on the {$2000.00} dollars ( 30 % of that was the product I never received ). I contacted Wells Fargo to try to settle the matter so I can fix my now damaged credit score. I told them I am fine with paying what I owe but I want to make sure the charge off is removed from my report so my score will go back to where it was before this happened. Wells fargo said they do not offer pay for deletion which means even if I paid the agreed price my credit would still be ruined for several years over something I got scammed by.