HELP I AM BEING ****MED BY PAYFLEX AND THEIR MERCHANT

I am extremely disappointed and stressed by the ********* treatment I received from Payflex and their merchant, Adult Luxury.

In November 2023, I placed an order, and immediately. cancelled the order within a reasonable time, however the merchant still shipped the item without my consent. I immediately contacted the courier and instructed them to return the parcel, as I had already cancelled the purchase. I never accepted or used the goods.

When I requested my refund, I was shocked to be told by both Payflex and the merchant that I would **only be refunded if I PAY THE FULL AMOUNT FIRST**. This makes absolutely no sense, as the item was cancelled and returned.

Despite my efforts and proof, they handed my account over to lawyers and a default was listed against my name, damaging my credit profile and reputation. Under distress and pressure, I paid the amount just so that they could process a refund that should never have required payment in the first place.

Now that I have paid, I am being sent back and forth between Payflex and the merchant, with neither taking responsibility or resolving the issue.

This situation has caused me:

* Emotional stress * Financial strain * Damage to my credit profile * Loss of time and trust

This business practice is unfair, *********, and possibly *******.

I am formally demanding:

1. Written confirmation that my account is fully settled 2. Immediate removal of the default listing from all credit bureaus 3. Written admission that the charge was invalid 4. My full refund (if not already received) 5. Confirmation within 7 days

Failure to resolve this will result in me escalating this matter to:

* National Credit Regulator (NCR) * Consumer Goods & Services Ombud (CGSO) * Credit Bureau formal dispute process

I strongly advise both Payflex and Adult Luxury to treat this with the urgency it deserves.