America's Value Channel Charge Card let's value ch. have the item and the money and makes me pay I'M going to sue both for FRAUD Lawrenceville Georgia

I have purchased many stones from americas value ch. i did not realize the stones were junk in finding this out i had a stone on the way. at the time .apon recieving this gem that we payed 7,500 for i called several times to get the RMA # recieved one eventually and returned the gem at my exspence and insured it also i called about putting the money back on the card OK fine . was told they had a week to put it back into their inventory .called back a week later and was told they had thirty days to put the money back on the card the stone was purchased on 1/8/2009 the date to have money back on card was 3/3/2009 i then called the 3 cards this gem was on to dispute the charges the cards all took action 2 of the cards have done this the card that has a charge of 5,500 on it first removed the amount now has put the charge back on my card even though i had a money back gurantee the card co. wants a second oppinion on something i don't have they say now to much time has past for them to do it again i intend to sue both the card com. and americas value channel for mental stress,time spent,and my money with interest Karen Tomahawk Wisconsin

Karen
Tomahawk, Wisconsin
U.S.A.