Product: Debt collection

On XX/XX/year>, at XXXX XXXX, I received an email confirmation from XXXX XXXX stating that my order was successfully canceled. Despite this confirmation, XXXX still processed the charge and withdrew {$2400.00} from my account, ultimately reversing the payment and pushing my account into the negative on XX/XX/year>, at XXXX XXXX. 

Timeline of My Dispute Attempts : Since XXXX wrongly withdrew the funds despite clear proof of cancellation, I began the dispute process immediately. I contacted XXXX multiple times on the following dates : XX/XX/year>, at XXXX XXXX  Initial dispute submitted. 

XX/XX/XXXX- XX/XX/year> Follow-ups with XXXX, reiterating that I had proof of cancellation. 

XX/XX/year> Further communication with XXXX. 

XX/XX/XXXX- XX/XX/year> Additional dispute escalations. 

XX/XX/year> Submitted supporting documents again. 

XX/XX/year> XXXX falsely sided with XXXX XXXX, claiming the package was delivered, ignoring my cancellation request. 

XX/XX/year> Follow-up communication seeking resolution. 

XX/XX/year> I even spoke to a detective and provided all my evidence, yet XXXX continued to deny my claim. 

Why XXXX is at Fault : 1. Failure to Acknowledge Cancellation- I have email proof from XXXX XXXX confirming the cancellation. 
- XXXX processed the charge anyway, causing financial harm. 

2. Denial of My Claim Despite Evidence - I provided written proof of my cancellation. 
- I attempted to upload an audio recording of a XXXX XXXX representative confirming my order was canceled, but XXXX does not allow audio file uploads. 
- XXXX ignored the cancellation confirmation and instead relied on XXXX XXXX  claim that the package was " delivered. '' 3. Unfair and Deceptive Business Practices- Under Federal Trade Commission ( FTC ) guidelines, a company can not refuse to refund a canceled order if the cancellation occurred before shipment. 
- XXXX acted negligently by allowing XXXX XXXX to push through a fraudulent charge. 
I was wrongfully sent to collections because of XXXX failure to handle this issue properly. 

Consumer Protection Laws Violated by XXXX : 1. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 - XXXX failed to correct a billing error even after I provided sufficient proof of cancellation. 

2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g - XXXX processed an unauthorized charge despite clear evidence that the transaction should have been canceled. 

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e - XXXX allowed the charge to wrongfully be sent to collections when the debt was invalid. 

4. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) - XXXX failed to conduct a reasonable investigation of my dispute. 

5. Arizona Consumer Fraud Act ( XXXX XXXX ) - XXXX refusal to refund me despite proof of cancellation constitutes fraud and deceptive business practices. 

What I Am Seeking : 1. Immediate reversal of the charge and removal from collections. 
2. Full refund of {$2400.00} and compensation for financial damage. 
3. Formal acknowledgment from XXXX that the dispute was mishandled. 
4. Investigation into XXXX 's dispute-handling policies to prevent future fraudulent charge approvals. 
5. Additional compensation for emotional distress and financial harm caused by their negligence. 

Conclusion : XXXX has continuously ignored my evidence, mishandled my dispute, and violated consumer protection laws by refusing to acknowledge a legitimate cancellation. If this is not resolved immediately, I will pursue legal action and escalate this complaint to the Arizona Attorney General, Federal Trade Commission ( FTC ), and any other necessary authorities.