Most if not ALL States have a Law or Laws on the book(s) That Addresses this. First stop the FTC FTC.Gov and your State AG. Texas has a law that protects Consumers we contact @AGPaxton or better yet look him up. His name is Ken Paxton. Anytime I have a problem on the Internet or on the phone, I just mention his name.
More importantly, is this how the Fed pools money together? Even when your State is Paying to enforce the law?