WHat a mess!
I dont know beans from apple butter really about this kind of thing.
.....But I thought I would put my two cents in to confuse you further.
For one if the breeder wasnt set up to take credit cards the transaction thru the pet store should have never happened. The way I understand it, it was not legal.
The breeder recieved the money, she was paid thru the pet store. THe pet store should be going after their friend "the breeder" for returned funds since they didnt even recieve funds from you.
Arent they not going after the wrong person?
THe breeder then needs to speak to you to get the funds. You bought the dog from her not the pet store right?
Sure doesnt help your frozen account, insufficient funds issue at this immediate time but sounds like they have the problem among themselves first.
WHos to say they have been calling a number and no one is answering because they werent calling the right number to begin with!!
Gosh If I was them I certainly wouldnt want to go to court with that big mess up they started.
I hope it resolves soon.
I would be very leary trying to resolve it without legal counsel. Sounds fishy and I would be afraid to hand over any money without it.