I went XXXX merchant XXXX request a cost estimate XXXX XXXX XXXX cat. Merchant did not provide a cost estimate while I was at merchant. A woman who I believed was a vet told me XXXX wait in a room & she would return with a cost estimate. But a XXXX woman came into the room later & told me that it would take a couple days XXXX provide the cost estimate & that I should leave & a cost estimate would be emailed XXXX me. When I did not receive a cost estimate by email, I contacted the merchant XXXX a refund. But the merchant did not return my calls. I disputed the merchant charge with the credit card issuer, Chase. The merchant admitted in writing XXXX Chase that I requested a cost estimate & that it did not provide a cost estimate. And even though the merchant made this admission in writing, Chase has made false statements XXXX me & ignored the facts XXXX refuse to comply with the Fair Credit Billing Act & other laws and has refused XXXX credit my account for this {$45.00} charge on a false basis. Under the FCBA ( Fair Credit Billing Act ), I will not pay for the following charges : {$45.00} rebilled on XXXX/XXXX/2017, Merchant : XXXX & any charge made by merchant XXXX. FALSE STATEMENTS MADE BY CHASE : " a credit was not due and provided the enclosed information showing that services were provided. The merchant has billed you for a medical examination, not a cost estimate for XXXX. Since the services of that exam were provided, they have billed you accordingly. '' This is a false statement because I have previously explained : " The only purpose of my visit XXXX merchant was XXXX get a cost estimate XXXX the merchant XXXX perform a XXXX. '' Therefore, Chase 's statement that I owe the merchant XXXX a medical XXXX that I did not request is an obviously false conclusion. Also, it is false for Chase XXXX state that since the " merchant billed you for a medical XXXX ... .they have billed accordingly ''. This is a false statement because Chase knows that I did not go XXXX merchant XXXX get a medical XXXX. Also, it is not relevant what the merchant " bills '' XXXX because I m not disputing what the merchant " billed '' XXXX. I am disputing the fact that I did not get what I asked XXXX which was a cost estimate for a XXXX. The website of this merchant is located at XXXX. And it states on XXXX : " More importantly, our doctor 's need to examine your pet to determine if he or she is a good candidate for XXXX! '' In other words, XXXX XXXX could be done, the merchant required a " XXXX '' ( see below ). The merchant explains on its website that the cost estimate XXXX the XXXX would be provided during the " XXXX ''. Therefore, it is not possible XXXX the merchant XXXX state that services I requested which was a " pre-surgical examination '' were provided when the only reason y I went XXXX this merchant was XXXX get a cost estimate & the merchant did not discuss or provide me with a cost estimate. At the same webpage, merchant states : " If your pet needs XXXX or a XXXX ( dogs ), we can take care of that at your XXXX. Please look under the heading for, 'Wellness Care XXXX to learn about pricing for this care. '' This means that I should have been able XXXX expect a discussion and/or cost estimate XXXX XXXX or XXXX during the XXXX. But the merchant did not provide a discussion or cost estimate XXXX XXXX or XXXX. At the same webpage, merchant states : " Please understand we can not quote these fees until we see your pet at your XXXX. '' This means that I had a reasonable expectation XXXX have a " quote [ of ] these fees '' at the XXXX. But I did not get a " quote of these fees ''. The same webpage also states, " These fees are not unreasonable and will be and will be dis