Product: Debt collection

**Subject : ** Complaint Regarding Unethical Practices and Dispute Over Financing Balance with XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX , and I am writing to formally express my concerns regarding an unresolved issue with XXXX XXXX XXXX and their affiliated financing company. In XXXX, I purchased a pet from XXXX XXXX XXXX, located in XXXX, VA, with the hope of adding a joyful companion to my family. Unfortunately, what began as an exciting experience quickly turned into an emotional and financial nightmare. 

Upon visiting the store, my daughter and I played with the puppy for an hour, bonding with him and deciding he would be a perfect fit for our family. However, I was quoted an unexpected price of {$7500.00} for the puppy. After being reassured by the company that the dog was completely healthy, had all required vaccinations, and was free of any health issues, I decided to proceed. I paid half of the amount upfront and agreed to finance the remaining balance. 

Within just a month of taking the puppy home, he began to exhibit alarming symptomsXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I took him to the vet repeatedly, incurring substantial expenses, only to learn that the puppy had a serious XXXX XXXX that likely existed since birth. The veterinarian informed me that this was not an XXXX  that could have developed suddenly. 

I immediately reached out to XXXX XXXX XXXX  to report the issue, only to be told that since their 3-day return window had passed, there was nothing they could do. At the 3-day mark, there were no visible signs that the puppy was unwell. Despite my efforts to care for him, the puppy tragically passed away shortly afterward. This loss was devastating for me and my young daughter, who had quickly formed a deep bond with him. 

**Legal Concerns : ** I believe thaXXXX XXXX XXXX XXXX XXXX  actions may constitute violations of several consumer protection laws, which I would like the Consumer Financial Protection Bureau ( CFPB ) to investigate : 1. **Unfair or Deceptive Acts or Practices ( UDAP ) ** under the **Federal Trade Commission Act ( Section 5 ) ** : - XXXX XXXX XXXX misrepresented the health of the pet, assuring me it was in good condition, despite evidence that the dog was ill. Selling a sick pet under false pretenses could be considered an unfair and deceptive business practice. 

2. **The Magnuson-Moss Warranty Act** : - XXXX XXXX  XXXX failed to provide me with any documentation or shot records for the puppy. By selling me a dog that was not healthy as promised, they breached the implied warranty of merchantability, which requires that goods be fit for their intended purpose. 

3. **The Uniform Commercial Code ( UCC ) - Implied Warranty of Merchantability** : - The puppy was not fit for the purpose of being a healthy pet, as implied during the sale. The fact that the puppy died from a condition likely present since birth indicates a breach of this warranty. 

4. **The Fair Debt Collection Practices Act ( FDCPA ) ** : - The financing company is currently pursuing me for the remaining balance of {$3000.00} on a dog that died due to the seller 's misrepresentation. Under the FDCPA, continuing to collect a debt that is associated with an unfair or deceptive transaction may be unlawful.