Complaints

This profile includes complaints for JM Bullion's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  JM Bullion

  11700 Preston Rd STE 660-153 Dallas, TX 75230-6112

  
• 

  JM Bullion, Inc

  180 N Michigan Ave Ste 1845 Chicago, IL 60601

• 

  JM Bullion, Inc

  1 E Erie St Ste 630 Chicago, IL 60611

• 

  JM Bullion

  Dept. 960555 P.O. Box 73196 Oklahoma City, OK 73196

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This JM bullion connect to ****** to collect information from buyer, but never work out. Do not buy gold on JM bullion and do not check out through Klarna on JM bullion.

  Business Response

  Date: 05/28/2025

  Hello,

  We are sorry for the issues you are having with your credit. Please note that while we accept Klarna as a valid method of payment on our website, it is it's own separate entity and JM Bullion has no control on how they decision applications. Additionally, JM Bullion does not have anything to do with credit reporting, as we do not require any sensitive information to place an order. If a customer chooses Klarna as their preferred method of payment, they are agreeing to ******'s terms and conditions, that state they will run a soft check to understand every customer's financial behavior and evaluate your creditworthiness. Please see more on the link below:
  
  ***********************************************************************
  

  As of today, there is no order in JM Bullion. Therefore, we recommend that you reach out to Klarna for more information. 

  Kind regards,

  JM Bullion

• Initial Complaint

  Date:05/19/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We purchased twice times 5 ***** ** square gold bar. When the gold $590/5 gram. Jm billion withdrawal our money. Then after two days, The gold went up then jm billion cancelled our order, it was twice. First time they said couldnt verify our address. But we used the same card same address buy gold on Liberty coin, *****, billion a lot and never have any problem. And the second time they cancelled again they said out of stock. Bad service

  Business Response

  Date: 05/30/2025

  Hello,

  We are sorry to hear of your experience with us. Due to the nature of the inventory we sell, we have due processes that we run, to ensure the safety and security of all our customers. We were unable to verify some of the information provided on his order, and therefore the order was cancelled and the transaction voided the same day, as is our right to do so, per our Terms and Conditions. This was communicated to you via email. There is no refund owed to you, since we voided the transaction.

  We are sorry for any inconvenience caused and we wish you all the best!

  Kind regards,

  JM Bullion

• Initial Complaint

  Date:05/06/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Took payment for two orders ORD-******* and ORD-******* a week ago and has not sent the item I purchased or issued a refund.I will seek legal action if a refund is not initiated in the next 24 hours.

  Business Response

  Date: 05/16/2025

  Hello,

  We are sorry to hear of this experience. Upon review, this customer attempted to purchase a special deal that is limited to a one-time purchase per household, multiple times. We cancelled his orders and advised that the refunds will be processed after the required bounce protection period for all *** orders, as detailed in our Terms and Conditions. This was especially necessary because the *** payments for both orders returned, therefore, no refund or shipment is owed to this customer.

  We apologize for any inconvenience this caused. 

  Kind regards,

  JM Bullion

  Customer Answer

  Date: 05/16/2025

  I am rejecting this response because:   JM Bullion kept my funds for a week and then decided to cancel the order and hold my funds hostage. They would not issue a refund after a week had passed.  I had to file a dispute with my bank to get my money back.

  The order should have been canceled the same day that funds were deposited or the order should not have been accepted by JM Bullion in the first place.   The individuals at JM Bullion were rude and condescending and refused to help. 

  I will never do business with this company and I hope that this complaint is a warning for anyone seeking to do business with them.

  Business Response

  Date: 05/30/2025

  Hello,

  We are seeking assistance on this complaint. This customer was aware that he was not eligible to purchase the starter pack deal as it is a one time purchase per household, and he already ordered the starter pack on a previous order. With regards to the refund, it states in our Terms and Conditions that all ACHs are subject to a 5 business day bounce period, before we can refund or release an order to ship. During this period, the customer went to his bank and filed a dispute. Had we processed his refunds earlier, we would've been out the funds. 

  We are not sure what else we can do. Please review!

  Kind regards,

  JM Bullion

  Business Response

  Date: 06/02/2025

  Hello,

  We are seeking assistance on this complaint. This customer was aware that he was not eligible to purchase the starter pack deal as it is a one time purchase per household, and he already ordered the starter pack on a previous order. With regards to the refund, it states in our Terms and Conditions that all ACHs are subject to a 5 business day bounce period, before we can refund or release an order to ship. During this period, the customer went to his bank and filed a dispute. Had we processed his refunds earlier, we would've been out the funds. 

  We are not sure what else we can do. Please review!

  Kind regards,

  JM Bullion

  Customer Answer

  Date: 06/02/2025

  I am rejecting this response because:  The business made no attempts to rectify the situation that they created or address my complaint about not accepting the order in the first place and/or not holding my funds for a week and then refusing to return them or ship the order.   I hope that my complaint helps others make an informed decision when choosing to do business with JM Bullion.   

  Business Response

  Date: 06/03/2025

  This customer tried to trick our controls and take advantage of an offer multiple times that we explicitly only offer once per household. Then demanded a refund before their payment cleared. Then their payment bounced, further confirming we shouldnt have refunded as they demanded. Im not sure how this is a valid BBB complaint and still open?

   

  Kind regards,

  ****** ***********

  JM Bullion, Inc.

  Vice President of Operations

  *******************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************************

• Initial Complaint

  Date:04/29/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  5/5/2017 I purchased silver one-ounce rounds from JMBullion. I was a regular customer and have purchased over $4,500.00 worth of silver as an investment. I paid $18.92 each and bought 10 rounds. I took about 200 into a local coin shop and watched him test every single round. Three failed. He said that means that they are not .999 pure silver. I have spent from 4/7 until today trying to get them replaced with real silver. This has been a nightmare to deal with. Finally, after jumping through hoops for weeks, I shipped them back. I told them I wanted to see the test results on the silver. Got home from the grocery store to an email stating they tested them and they are fine. They forgot to print off test results and are sending them back to me. I will NOT be able to sell them no matter what they say. They are in like new condition and have been stored in plastic cases. I am SO MAD. I called and talked to a supervisor who promises she will call me back tomorrow. If it goes as it has been going, I'm not holding my breath. I watched the tests here. I made photos of the test with the 3 bad one and one real one. I can't sell them because I refuse to sell something fake or inferior. IF by some chance they do get back to me, I can let you know.

  Customer Answer

  Date: 05/01/2025

  Supposedly they are going to send me a tracking number and ship out replacement silver today.  I'm still waiting for that number but they say they are going to replace my defective items.

  Business Response

  Date: 05/02/2025

  Hello,

  We are sorry to hear of this issue. We have been in direct contact with this customer and we have resolved this issue. 

  Kind regards,

  JM Bullion

  Customer Answer

  Date: 05/06/2025

  I am rejecting this response because:   Supposedly they are going to send me a tracking number and ship out replacement silver today.  I'm still waiting for that number but they say they are going to replace my defective items.

  Business Response

  Date: 05/16/2025

  Hello,

  We have been in contact with this customer and have resolved this issue.

  Kind regards,

  JM Bullion

• Initial Complaint

  Date:04/16/2025

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  4/16/2025 9:01 AM EST Placed an order with JM Bullion in the morning for 2oz of gold (2 x 1 oz American Gold Buffalo Coin (Random Year)), 10oz of silver coins(The JM Bullion Starter Pack), and 2 Coin Cases (32mm Air-Tite Coin Holder Direct Fit) totaling ******** including tax. Was able to go through checkout as a logged in user with selecting eCheck as payment type. I received an email at 12:06 PM ESt that stated the order was canceled and new order would need to be created with a different payment type. I called at 2:29PM EST initially and 2:35 PM EST with follow up questions. I was told that the order was canceled since I was a "new customer" and paying via ******. They could not verify if I would get the same treatment as a guest user. They did not reach out to me prior to canceling the order. They did inform me that I would have to re-order with a different payment type and would not honor the price for the original order, increase in cost by $60.18 (as of 4/16/2025 3:46 PM EST). They did not indicate that the order was fraud. They did not give me the option to change payment methods before canceling the order. I was not contacted prior to the order being canceled. At this point I believe this is a bait and switch because they are not willing to honor the original order price and sellers remorse due to the cost of goods going up after order was placed. Spot Prices at Time of Order: Silver $33.18, Gold $3,321.36

  Business Response

  Date: 04/24/2025

  Hello,

  We apologize for the inconvenience experienced by this customer. Our team has contacted the customer and resolved the issue.

  Kind regards,

  JM Bullion

• Initial Complaint

  Date:04/10/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Well I made two purchases in the same day. I got confirmation that one was paid the lesser one and one was pending for some reason I got little bit suspicious and called. I spoke with someone named *****. They said that he saw one was cleared and one was still pending my question was will they be shipped together? He said probably afterwards I read some negative reviews very consistent and now Im a little concerned. I wont receive my product as some ofthese people have written.

  Business Response

  Date: 04/24/2025

  Hello,

  We attempted to reach out to this customer today but he did not wish to speak with us. I am attaching an email thread for review.

  Can you please advise if this is eligible to be removed since the customer does not wish to speak with us?

  Kind regards,

  JM Bullion

  Business Response

  Date: 04/24/2025

  Hello,

  We are sorry to hear of your experience. We attempted to reach out to you today by phone but we were unable to get a hold of you, but we were glad to get a hold of you via email.

  We apologize again for the issues and we wish you all the best! 
  

  Kind regards,

  JM Bullion

  Customer Answer

  Date: 04/24/2025

  I am rejecting this response because:   After I expressed my concerns they cancelled my order. They have a history of canceling customers orders who make inquiries. This is suspicious behavior and should be investigated. Every negative review, and there are many, is the same thing. They canceled orders for customers asking questions they didnt want to answer. 

  Business Response

  Date: 05/01/2025

  Hello,

  We previously sent an email to you regarding this complaint. We attempted to reach out to the customer to resolve, but the customer is not interested in speaking with us. We attempted to email the customer instead, but they are not cooperative. Due to the nature of the inventory we sell, we take these issues very seriously. We also reserve the right to cancel an order, at our discretion per our Terms and Conditions, and any and all funds are refunded to the customer if we cancel an order. This customer has been refunded, so we are unsure what else we can do for this customer. 

  Looking forward to your response! 

  Kind regards,

  JM Bullion

  Business Response

  Date: 05/02/2025

  Hello,

  Thank you for your response. We apologize for any inconvenience this experience caused. Due to the nature of the inventory we sell, we take customer security very seriously. Unfortunately, all attempts to communicate with you have been unsuccessful. If there is anything that we can do to resolve your issue, please reach out to us and we will be more than happy to assist.

  Kind regards,

  JM Bullion

• Initial Complaint

  Date:04/08/2025

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ordered product from J&M, after placing the order and seeing the address they were shipping to called them to inform it was being delivered to the wrong address. called them on Friday April 4 to inform them it was being shipped to the wrong address, gave them the correct address. Called again on Monday, April 7 to tell them again it was being shipped to the wrong address. called again on Tuesday the 8th. they said there was nothing they could do as it looked like it was out for delivery. I did not catch the address they were shipping as wrong, as I has just ordered previously, and it was delivered to the correct address.after 3 calls to correct them on the address and no resolution it seems like they made no attempt to redirect to the correct address.

  Business Response

  Date: 05/05/2025

  Hello,

  We are sorry to hear of the issues with this order. The order was placed on March 28th by the customer online, and it was labeled for shipping on April 3rd. The customer did not contact us regarding the incorrect address until April 4th. We advised the customer that we will attempt to stop the shipment from going out but unfortunately, due to the automated way we process our shipments, this is not a guarantee. When the stop shipment failed, we also attempted to return the order to us via the carrier, but that is also not a guarantee as it depends on the carrier. Unfortunately, this order ended up getting delivered to the incorrect address. We recommend for the customer to reach out to the previous address and make arrangements to collect their order. We apologize for the inconvenience this has caused. 

  Kind regards,

  JM Bullion

• Initial Complaint

  Date:04/06/2025

  Type:Delivery Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I ordered 20 ounces of silver along with along with coin holders for a total of ******** on March 21st, 2025 via ACH ORD-*******. I later ordered 15 oz more ORD-******* for ****** Everything cleared with JM and stated it was shipped on April 1st and April 3. The tracking has the following message "Your shipment was received at 6:02 pm on April 1, 2025 in *********, ********. The acceptance of your package is pending" for both orderes. I have called JM several times. All I have been told is first it was held up because they were doing inventory until April 1st, then I was told it was that the *********** wasn't picking up the orders. If they are still in possession of both my orders totalling ******** then they should either get it out or refund my money which cleared before the first. I feel ripped off and will never do business with them again after this. I want my money or my silver.

  Business Response

  Date: 04/10/2025

  Hello,

  We apologize for the inconvenience and for the experience you've had with your orders. Unfortunately, we were not able to meet your expectations of delivery times. We appreciate you taking the time to speak on the phone and resolve this issue.

  Kind regards,

  JM Bullion

  Customer Answer

  Date: 04/14/2025

  After filing the complaint the shipment was sent out a day after they were contacted by BBB.  No one contacted me until after I received the packages.  The phone call went well, they apologized for the problems and gave me a coupon for a future purchase.  I appreciate the apology and the help of the BBB.  This problem is resolved

  Customer Answer

  Date: 04/14/2025

  I have reviewed the business response and after a phone call with one of their representatives apologizing for the problems and a coupon to compensate I feel this matter is resolved.  Thank you BBB

• Initial Complaint

  Date:03/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Tried to order and spend money at this business. First it was one of the rudest customers sales *** I have spoken to. The real problem is they are trying to collect tax money on silver bullion. There is no tax on bullion in my state ********. Or 44 other states. Trying to overcharge.

  Business Response

  Date: 04/24/2025

  Hello,

  We are sorry to hear of the issues this customer experienced while attempting to place an order with us. With regards to sales taxes, we adhere to the sales tax laws as set forth by each state. These laws are changing constantly, and there was a recent update specifically with Kentucky's law. With these rapid changes, it can take a little bit time to configure our site to the new changes. We have reached out to this customer directly, but unfortunately, they stated they were tied up doing something else and we were unable to provide this explanation to him. We apologize for the inconvenience this caused. 

  Kind regards,

  JM Bullion

  Business Response

  Date: 04/24/2025

  Hello,

  We attempted to reach out to this customer twice today but both attempts to reach her were unsuccessful. We have emailed the email referenced in this complaint, and are waiting for the customer to respond. I have attached a copy of the email that was send to this customer. 

  We are not sure how to resolve this without speaking with this customer directly. Can this be reviewed and see if there are any other options available to us?

  Thanks,

  JM Bullion

• Initial Complaint

  Date:03/15/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted JM bullion because I wanted to sell some gold, ****** Silver Dollars, American Eagles and silver bars. The gold and the silver were in **** ounce denominations. I will include the quote that they sent me the total $39,000 the certificates of authenticity and all of their preceding notices. Their final offer was $19 and change.. Their explanation was that they could not verify the quality or the ****s on any of the items. I find that curious because and I want good pictures copies of all correspondence is that they could not recognize the producer.. *********** thats sold the silver and gold. Its called.******* ******* some of the correspondence from both companies suggest a kinship.. My question is why wouldnt the company buy its own product or calling to question the authenticity of the products I was selling when I have and did send all of the certificates of authenticity. They also called into question the mint ****s on the ****** silver dollars which they claim theyve never heard of there is however, one small problem. A vast majority of ****** Silver dollars or ****ed and made in the *************, which begins with a C so their claim of it being acopy is actually the mint **** from an or your time in American history..I am a disabled American. I do not have money to waste buying copies or fake. Bullion of any type. At best this is a ***** fraud attempt they would not send me the package back insured for the full amountthey offered for it, and I sent them pictures of everything including the certificates of authenticity.. if there was a reasonable thought of it being fake why did they offer me $39,000 after theyve already looked at the receipts the pictures all which been blown up for detail but they never thought to do that before they made the offer? I have run businesses and train people for 40 years and I may not be the best but if I wasnt the best, why was I doing it for 40 years and I still do it today. My disability is physical.

  Business Response

  Date: 03/20/2025

  Hello,
  
  We are sorry to hear of this customer's complaint. However, we stand firm on the decision for this Sell to Us order. The products we received from the customer did not pass our authentication tests. Most of the items were marked as "copy," indicating they were replicas rather than authentic *********** the complaint, the customer mentioned dealing with "*************," which is not a legitimate company, and "*************" also does not exist. Our Sell to Us program is committed to honoring the quoted price, provided that the products are received on time and pass our authentication tests. Regrettably, as communicated to the customer, the order was cancelled, and all products were returned due to their failure to pass the required tests. We apologize for any inconvenience this may have caused.

  Kind regards,

  JM Bullion

  Customer Answer

  Date: 03/20/2025

  I am rejecting this response because:   Even though some of those items were copies, there were still made of either 99.9% pure gold and99.9% silver. The certification receipts explained all of that which they had before I sent them the gold and silver! At this time, I have not received the return shipment which I told him to go ahead and do on 3 March. They didnt process my credit card payment until 10 days later why? If you dont want it then withdraw your offer. Why dont I have everything back and why did it take you 10 days to even send it back something funky is going on with this.

  Customer Answer

  Date: 03/26/2025

  Good afternoon, I filed a complaint against JM bullion. I have all the emails from correspondence and all the photos. I am trying to find a way to email all of that information to you. Also, I still have not received the package that they were supposed to send back all of my gold and silver. That they claim is fake in that package or all my receipt receipts for my gold purchases and silver certificates of authenticity from the Mint I have still received no other communication from them, except their claim that everything was correctly. If that is true, why have I not received the shipment of all the items and the Authenticity paperwork. They didnt send the package back until they bill my credit card on 13 March **************************************************** was sent to them on March 3. 2025. They are defaulting a disabled person. And feel no accountability.. if you cant help me then what are you there for? Sincerely ******** ******

  Customer Answer

  Date: 03/27/2025

  Good afternoon,

  The response from JM bullion is both insulting and condescending. They charge my credit card for return shipment on 13 March 2025 as of todays date, I have received nothing none of the product that I shipped to them nor any of the certificates of authenticity that they callously and insultingly dismissed. If there was nothing worth anything, why dont I have it back yet? They offered me $32,000 first and then $39,000 at viewing photos of the items and certificates of authenticity. Its called fraud. Its also called stealing from a disabled person.. my disability is physical, not mental. I happen to be very intelligent.  If I cannot get satisfaction through the Better Business Bureau. Then now Ill have to see it elsewhere, which will cost them much more than either the two amounts that they offered. just in litigation cost to say nothing. What a jury will award a disabled person who has been defrauded by a supposedly reputable company.

  Sincerely

  ******** Parady 

  P.S. So much for the good business reputation.

  Business Response

  Date: 04/10/2025

  Hello,

  The price we quoted is valid for authentic products that have been verified at our Warehouse. We received a shipment from this customer of products that are not authentic, therefore, we are unable to honor the quote. We are not sure what the expectation is from this customer, based on the facts of this case. 

  Kind regards,

  JM Bullion

  Customer Answer

  Date: 04/11/2025

  I am rejecting this response because:   Inadvertently I did include some tribute pieces, but I have the Certificates of authenticity from The United States Mint, The ******* Mint and PCS Stamps and Coins. The ****** Silver Dollars, The Walking Liberty and American Eagle Coins , Gold Bars and the silver bars have also been brought from the same vendors.  My only conclusion is that your company is involved with theft and attempted fraud of a disabled senior citizen.  Therefore your disingenuous actions will cost you even more. You charged my credit card for a return of all that I sent you which I have not received which also is illegal use of my credit card.  I have all of the facts that I require plus the backing of the vendors who you claim you have never heard of and Federal and state laws in which you are currently in violation.  Because of my error in the Tribute pieces you either pay me ********* dollars your last offer was ********* or the legal ramifications will cost you much more.

  Sincerely

  ******** ******