Product: Credit card

To whom it XXXX concern, This is the XXXX XXXX XXXX high-yield investment scam timeline that took advantage of my trust and the reason for requesting claims and defenses under Federal law ( 15 USC 1666i ). According to section 2102 of the California Financial Code, I reserve the right to refund. According to California Financial Code Section 2102, 17000 and Federal law principles. Consumers should be protected from fraudulent transactions. I am requesting a reversal of multiple transactions from fraudulent and material misrepresentation. Please XXXX me an exception for missing the XXXX dispute window because I was unaware I was defrauded until the dispute window passed, in that time I was still gathering evidence and confidence to dispute the multiple transactions. I had to educate myself about these consumer laws, financial concepts, interest rates, and credit card disputes. I was fearful of retaliation by the scammer which delayed my actions. On a personal note, my XXXX XXXX XXXX  during this period and much of my attention had been focused on communicating with Doctors. Additionally, I was recently diagnosed with XXXX which impaired my judgment and reaction time. Additionally, during this period I received news my wife was XXXX and she would be leaving the United States to return to her home country of XXXX. This required my attention to relocate. Please XXXX me a reversal of transactions for my peace of mind and financial stability. Please altruistically consider my circumstances. Your assistance is appreciated. 
XX/XX/year> I responded to an email from XXXX soliciting to invest in an online XXXX XXXX XXXX type company. The company name is XXXX ( XXXX  ) registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The owner is XXXX XXXX also known as XXXX XXXX. The website is XXXX. XXXX XXXX advertisements promise to build a {$50000.00} - $ XXXX digital asset XXXX passive income. His advertisements for XXXX per month in 4 months, let alone the {$50000.00} per year advertisements were false and misleading. Unfortunately for me, XXXX never delivered on his promises of wealth and prosperity. The purchase of XXXX XXXX channels would never produce income even though XXXX XXXX promised a return on the investment in XXXX more months XX/XX/year> on our XXXX channel. Which means the estimated date of delivery is XX/XX/year>. Hence my delayed suspicion and call to dispute these transactions. Little did I know he was willfully misleading me. Scamming every cent from me. Unfortunately, I anticipated ethical conduct, fair reciprocation, and financial transparency. These transactions with XXXX XXXX ultimately frustrated me financially and scared me to dispute earlier. Unfortunately, I suffered from economic hardship via the sudden loss of my job and indebtedness to my creditors. My financial frustration contributed to my gullibility and desperation to believe in XXXX get-rich-quick scheme. I was unfairly misled by false promises and deceptive marketing tactics to transfer funds using XXXX XXXX XXXX account on the following dates : XX/XX/year> {$11000.00} from XXXX XXXX XXXX  XX/XX/year> XX/XX/year> {$7000.00} from XXXX XXXX XXXX XXXXXX/XX/year> XX/XX/year> {$7800.00} from Amex Dispute open XXXX - CFPB ID XXXX XX/XX/year> {$1000.00} from Amex Dispute open XXXX XX/XX/year> {$4900.00} from Amex Dispute open XXXX XX/XX/year> {$19000.00} from XXXX XXXX XXXX  XX/XX/year> XX/XX/year> I requested a full refund of XXXX. However, XXXX XXXX refused to refund me because of my legitimate concern under duress, fear of retaliation, and loss of the entire investment. XXXX coerced me to invest more with him requesting a wire. Thankfully I kept my transactions limited to credit cards as insurance to dispute his fraud attempt. A genuine meeting of the minds did not occur. Additionally, XXXX XXXX advertisements do not follow FTC requirements. The FTC requires that any ad claiming a specific income amount must also disclose : The number of previous purchasers who earned the claimed income. 
The percentage of previous purchasers who earned the claimed income. 
This makes the written agreement invalid, unconscionable, immoral, unfair, illegal, and unenforceable because XXXX XXXX fraudulently gained my confidence and psychologically manipulated me to invest with enticing false metrics promising the safety of an unethical and illicit investment scheme fueled by his greed with no conscience to my benefit. The agreement unfairly assigns 100 % of the risk for failure to launch on me. Leading to my financial frustration. 
If I were proficient with reading contracts I would have rejected his solicitation. He shows no concern for delivering on his promises communicated on XX/XX/year> on his preferred messaging platform XXXX Unfortunately, I am a victim of elaborate fraud, and psychological games and unsuspectedly transferred money to a scammer. Please XXXX me a reversal of all transactions with the credit card issuer bank and XXXX XXXX. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX is registered and physically based at XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX,, XXXX XXXX, XXXX, XXXX XXXX XXXX. Email XXXX The alternative address listed on the transaction is XXXX - XXXX, XXXX XXXX,, XXXX XXXX, SO, XXXX XXXX XXXX, XXXX XXXX I have enlisted the local XXXX XXXX police department, the California XXXX XXXX XXXX XXXX and XXXX, the California Department of Justice, the California Department XXXX Consumer Affairs, the XXXX XXXX XXXX the XXXX XXXX XXXX XXXX, the Consumer Financial Protection Bureau, XXXX XXXX XXXX and XXXX XXXX ( ICPEN ) and the Federal Trade Commission. 
FTC Report Number XXXX XXXX  Report number XXXX CFPB Complaint Sent to XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  Complaint XXXX With clean hands and good faith, XXXX XXXX XX/XX/year>