They charged us three times for merchandise that they never shipped! In their system, they were missing the state, so their order was hung up (even though the zip code and city were in their system - how many other Chicagos are there?). They charged us once, but then credited our account. However, the credit didn't go through, so they charged us again two more times (once again for the original merchandise and once for the credit).
When applying for a loan, I was advised to just pay the amount ($58) rather than fight it and have it affect my credit report. So I did. Now, 5 years later, it is a hit on my credit report again!
So, I paid for merchandise that was never shipped to me, and now I'm going to have to pay for it again or hire a lawyer to clear up my credit report.