As XXXX, I purchased trucking services, stone and concrete from a supplier for a particular project. Upon completion of the project and reciept of invoice I called in payments using my credit card. XXXX month later we started a new project, I purchased trucking services and stone from the same merchant. This time there was a dipute over the cost of services rendered. The merchant had given a verbal invoice of XXXX on Saturday and later changed it to aprox. XXXX while I was drafting a responce to there puported invoice, the merchant went back into there records they retained illegally. The merchant used my credit card information to initiate a trasaction on my behalf without my presence or approval. I immediatly contacted my credit card company and reported the fraud, closed my account and ordered a new card, ( Same day ). I followed the credit card company protocal by trying to resolve with the merchant. I even asked my Attorney to attempt a resolution. I then filed a timely dispute with my credit card company. The funds were temporarily returned. The merchant responded by sending a copy of a letter my Attorney sent in an attempt to resolve the fraud, as required by the credit card company. Though I sent a multitude of proof in my dipute that I had not authorized the use of my card. The merchants responce failed to prove in any way that I had given permission to use my card. The credit card company sent me a form to check boxes and sign, the options were not relevent to my situation, therefore I called in immediatly upon receipt, ( XX/XX/2015 ), to diuscuss my concern. I was told just sign the paper and return it. The form was dated XXXX XXXX, 2015 and it had a requirment of being returned by XXXX XXXX. XXXX XXXX was on Thursday and XXXX XXXX was Saturday ; Therefore I was given insufficient time to respond. The credit card company reversed the chargeback on XXXX/XXXX/2015, I noticed it this morning, when I called the dispute department I was told the action was decided against me for failure to follow XXXX regulation, because my responce was not timely. This makes no sence for the following reasons. 1. The merchant failed to follow XXXX regulation by holding and using my card without my Knowledge or permission. 2. I supplied XXXX with proof, I had not given the merchant permission to use my card for this payment. 3. Allthough the merchant did rerspond to the chargeback, there responce was not relavent and did not prove that I gave the merchant permission to retain my card information or to use it for this particullar payment. 4. There should have been no reason for XXXX to require any further rersponce from me as the merchant already failed to supply a valid reponce to my original complaint. 5. I was given an inadequite amount of time to respond to the merchants responce. 
Essentially, the credit card company has chosen to be a co-conspirator with the merchant to commit credit card fraud, by choosing to ignore egregious violations of XXXX regulation and Federal law on the part of the merchant while placing great significance on a failure to timely respond, citing it as a violation of visa regulation ; Furthermore the failure to timely respond was caused by XXXX 's failure to guarentee timely receipt of the opportunity to respond. 
