Product: Credit card

THE ISSUE On XX/XX/XXXX2023, I entered into a contract with XXXXXXXX XXXX for a project for a cost of {$19000.00}. 

The payment plan was 33 % down, 33 % at the start of the job and 33 % at completion. I used my credit card Comenity bank XXXX XXXX to pay the initial payment of {$6600.00} on XX/XX/XXXX. 

On XX/XX/XXXX I was advised by XXXX XXXX that XXXX declined the card and payment did not go through. I was notified by the bank that a charge of {$56.00} to which I denied making such charge. I confirmed that the charge of {$6600.00} was legitimate and requested that they proceed to pay the Contractor XXXXXXXX XXXX. I was advised that when fraud is suspected they automatically reversed all the payments that were made on this card for that time period. Comenity Bank also advised that they placed a hold on the account and also cancelled the card so they could not issue the payment to XXXX XXXX until the new card was issued. My account was credited for the initial amount of {$6600.00}. since they rescinded the payment to XXXX XXXX To expedite the contractors work I used a different card ( Bank XXXX XXXX ) to pay XXXX XXXX an amount of {$6600.00} on XX/XX/XXXX. 
On XX/XX/XXXX at the start of the job I paid XXXX XXXX another {$7000.00} from the new card issued by Comentiy ending in # XXXX At the completion of the job on XX/XX/XXXX I paid the remaining balance of {$6300.00}. This brings total payment of {$19000.00}. 

My Comenity Bank credit card of XX/XX/XXXX2023 reflected an additional payment to XXXXXXXX XXXX of {$6600.00} and this was paid to XXXX XXXX on XX/XX/XXXX 2023. 

I immediately contacted XXXXXXXX XXXX to question this amount on XX/XX/XXXX and the contractor could find no record of receiving this payment. 
I then contacted Comenity who advised they would be looking into this. After multiple calls in XXXX and XX/XX/XXXX through XX/XX/XXXX I was advised by Comenity customer service that I had to make the dispute in writing. I complied. 
I was advised that it would take XXXX days for review. On the XXXX day after filing the dispute in writing I received a letter stating that the investigation found I was liable, and billing would resume -NO EXPLANATION ON WHY THIS DECISION WAS MADE. 
I had also referred this issue to XXXX XXXX XXXX who requested additional information from XXXX XXXX and they were able to produce their transaction records from XXXX THROUGH XXXX showing that they did not receive this payment from the bank. 
I challenged the findings of the bank for the initial review and was told it would take another XXXX  days. After more follow ups I was advised to obtain the proof from the bank to show they did not receive this amount of {$6600.00}. I provided that and asked for the PROOF from the bank by way of some XXXX XXXX INQUIRY to track this payment to show that this amount was remitted to XXXX XXXX. I recently received response from COMENITY BANK advising that they were UNABLE TO PROVIDE THE PROOF REQUESTD and TOLD ME THAT THE STATEMENT I RECEIVED IS PROOF ENOUGH. Supervisor also advised me on XX/XX/XXXX to go to XXXX XXXX directly to get the proof I need. XXXX XXXX, advised that they do not deal with customer directly and referred me back to Comenity.