charged credit card $500 no service

Quicken loans took a $500 charge and we canceled two days before .They put the charge in 3 days later.I have a cancellation letter on the same day. My bank washington mutual will not help..the fraud dept wants contract and we tell them there is nothing in writing.even the merchant has nothing in writing. where can a person go to get help?How can a company charge a card with no signature?nothing in writing but even my bank will not help.unless there is written comformation which never was provided.what can a person do ..will close my accounts at Washington mutual.

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