ARIZONA - Dpt. of Insurance Investigation - get ring back - help!!!

[seuneu88]

I purchased a wedding ring (aprox. $7000)from an online retailer several months ago, after believing I did not receive the product I contacted my credit card company and issued a chargeback and received credit from my credit card company for the amount.

Later on due to a mix up and oversight realized that the ring had been received and contacted credit card company and advised them of this to be rebilled for the charge. Over a month later, insurance fraud investigators show up and confinscate the ring, stating that the retailer filed an Insurance claim when I originally stated I had not received it. I advised the investigators that I had contacted my credit card company and advised them of the mistake and requested to have it rebilled. Found out later that the credit card company never full filled that request of rebilling my card. They investigators took the ring into their possession. I imediately contacted credit card company and had them correct their mistake and the charge was rebilled to me for the full amount. I have received confirmation that the retailer has been fully compensated and fully paid as previously requested.

My question is that I have been reading the Arizona statutes on fraud located at: http://www.id.state.az.us/fraud/05-web_466.pdf and trying to find out how they are claiming I violated the statute, considering I never made a claim or indication of a claim to an insurance company regarding the ring. My only communication was with the credit card company, no communication with the retailer as they never returned any of my emails or phone calls previously.

My next question more importantly, is were the investigators allowed to confiscate the ring without a warrant, etc, and are they legally allowed to hold onto it (going on 4 months), even though I have paid for it, and their is documentation showing this, and confirming the retail outlet received the required money for it.

Thank you for any assistance or help you can provide.