You as the buyer should have read that contract before you signed and initialed it. By putting your signature on that contract you were legally bound by it and the store had every right to charge you 50% for returning the puppy.
You also claim you were holding the dog as you were signing the contract and couldn’t read it. That’s still a lame excuse and you should have had the dog put back in the kennel or have an employee hold it until you were done signing the contract and under stood what you were signing.
Your claim about the store owner being as you put it “unreasonable, condescending and rude”, I would bet you were the one who was rude after you found out you had to forfeit $400 to return the dog and the store owner was tired of being nice about it.
Here is my two cent to you as the buyer, “Read the contract before you sign it.” If you don’t understand something in the contract, have the employee explain it to you. Ignorance on your part does not mean the store is at fault. I know I have signed a few contracts over the years, 3 mortgages, 6 car loans, 6 student loans, 3 personal loans and the biggest contract of all to join the Army.
I see no ripoff here, just someone who is mad that they had to lose $400 for not reading a contract they signed and didn’t read.