My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant. 
