Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/XXXX, I purchased a cell phone [ {$160.00} ] from highly endorsed ad in the XXXX mag. XX/XX/XXXX phone failed to connect on the XXXX network when I was stranded due to auto breakdown and was unable to reach XXXX XXXX XXXX XXXX. for a tow. The 2nd time was my attempt to connect to XXXX XXXX XXXX XXXX. with the identical problem. XXXX XXXX allowed a replacement swap. Assuming I was now trouble-free, the same problem occurred when in XX/XX/XXXX, my car was on a mechanic 's lift and I tried to call XXXX [ XXXX XXXX, NY ]. XXXX sent another SIM card, but the problem continued o exist ONLY on the XXXX network except for XXXX XXXX own test XXXX number which I thought was strange. Meanwhile, I had been paying in FULL, monthly and on time for defective equipment! The problem : - I could hear the other party, they could not hear me AND the cell phone failed to recognize dialing prompts on the XXXX numbers on all 3 occasions. I had had enough, needed another reliable phone immediately for a long distance drive. I went to a nearby mobile phone XXXX store to see if the rep. could duplicate my issue or show me if I was doing something wrong, before I made another purchase. He also tried those same numbers and concurred with the asst. mgr. as a witness. The defective phone [ via XXXX ] used XXXX XXXX XXXX tower and my new purchase [ {$110.00} ] via XXXX ALSO uses the XXXX XXXX XXXX tower. I tested the new phone before leaving the shop XX/XX/XXXX which is when I switched my number to XXXX. and have had trouble-free service ever since. I reported this to XXXX in XX/XX/XXXX, rcvd a response from them XX/XX/XXXX over my last bill which, disgusted with the partial service, I decided to abort on my credit card. XXXX sent me a letter XX/XX/XXXX indicating I now had a XXXX balance. Thus, I assumed all was over. I had paid for months not aware that I only had partial capability with the equipment. Reported this to XXXX, XXXX [ where I purchased the phone ], NYS AG, which unable to get a resolve forwarded it to the AG ofc. in XXXX, OR, which has done nothing. Now the matter has been referred to Collections to the escalated amount of [ {$99.00} ]. XXXX alleges my bank took two weeks to send the dispute charge. XXXX does not deserve any more since I had paid for service it could not even provide over the 7.5 months I kept the phone!! THIS IS ELDER ABUSE and harassment. I asked them to compromise and all it provided was a {$23.00} credit. I should have given them my XX/XX/XXXX tow bill of [ {$120.00} ], had I gotten though to XXXX my tow would have been FREE!. I have spent enough, have endured aggravation, ... whatever happened to the customer is right? Why would I go through all this trouble.I told XXXX I did not have {$99.00}, that it did n't deserve anyway. XXXX told me to return the replacement phone to be tested and needed my cell number to do so even after I purchased a new phone elsewhere and switched my number. I told them if they send a pre-paid mailer I would. XXXX did not., The OR AG ofc. has done nothing. I have reference numbers for all these contacts. I have never in my life gone through such insensitive, disrespect as a consumer. I 've reference numbers for all the contacts and all correspondence.