Credit Renovations

The customer did in fact receive a full refundThe following is our history of this incidentThe client was charged a $deposit in October of for our services and then separate sequential $charges at the 1st of November and the 1st of December of These charges were applied to the client’s credit card per our agreementAdditionally, our agreement also states that our firm, CreditRenovations LLC has months to execute our service ending in September of These months were established to fully execute the strategies and to obtain our client’s goalsThis agreement was fully acknowledged, understood, and mutually agreed upon by the client and our firmHowever on January 4th, 2016, our client requested a refund for the amount of $According to our agreement which our client agreed to, our company was not obligated to refund the money until after the 9month period ending in September of However, in the name of good will and good faith, we agreed to refund, our client’s money in fullAdditionally, we even extended to continue our services for free to help him through his financial crisisThe client promptly declined our offer and maintained he only wanted his money backOur company policy is to help our client’s in any way possible and with this in mind, we granted this client’s request for a full refund, no questions askedOperating within our company accounting procedures, we issued the client a check for the full refund amount of $400.00, during our next accounts payable check cycle (the 1st and 15th of every month) and mailed it to the client’s home address on the 15thOn the 16th of January, we received a single “chargeback” request from our merchant account vendor – Square, in the amount of $(this was for the client’s original deposit charge back in October of 2016)We promptly contacted the client by email and by text messages to his personal cell phone, and told him that his refund check for the full amount was in the mail and we politely asked him to cancel his charge back request as it would make our account off balanceThere was no response from the clientSince we did not receive any response from our client, we had no choice but to dispute the $chargeback with Square citing that we had already mailed a check to our client for the full refundWe also included a photocopy of the check we sent to the clientOn the 19th of January, we received notice from Square that our dispute for the $chargeback was successfully grantedOn the 20th of January, we received two more separate chargeback requests from square in which our client had initiatedAgain, we promptly contacted the client by way of email and personal text message and politely requested that he cancel these chargeback requests as we had already issued a refundAgain, our client never responded to our messagesSince we were left with no options, we informed our client anymore chargeback requests would be considered as an attempt of theftWith that said, our client immediately responded with threatening text messages and communicationsWe again contacted Square and disputed the two $chargebacks again citing we already issued a company check for the full amountAlso, we again sent Square a photocopy of the company issued checkHowever, this time Square informed our company that our dispute was denied and they were going through with reversing the charges to our client’s credit card the two separate $charges (for the 1st f November and one for the 1st of December 2015) for an total amount of $In light of this information we promptly contacted Square and our bank and asked what our options were as we were going to be double-chargedIt was the general consensus of both the bank and Square that our company go ahead and cancel the original $check and re-issue another $check to make up the remaining balanceWe happily complied with this and we also sent the client an postal letter via certified mail of what we were doing with regards to his refundWe sent this certified letter along with the $refund check in which we have confirmation the client did in fact cashThe conclusion and outcome to this situation is, even though the client was being “difficult” and the actual chargeback process made issuing a full refund to the client a bit challenging, the client was issued a full refund for the amount of $Finally, we have all documentation and message history to support this account of eventsBest regards, [redacted] Partner Credit Renovations LLC

The customer did in fact receive a full refundThe following is our history of this incidentThe client was charged a $deposit in October of for our services and then separate sequential $charges at the 1st of November and the 1st of December of These charges were applied to the client’s credit card per our agreementAdditionally, our agreement also states that our firm, CreditRenovations LLC has months to execute our service ending in September of These months were established to fully execute the strategies and to obtain our client’s goalsThis agreement was fully acknowledged, understood, and mutually agreed upon by the client and our firmHowever on January 4th, 2016, our client requested a refund for the amount of $According to our agreement which our client agreed to, our company was not obligated to refund the money until after the month period ending in September of However, in the name of good will and good faith, we agreed to refund, our client’s money in fullAdditionally, we even extended to continue our services for free to help him through his financial crisisThe client promptly declined our offer and maintained he only wanted his money backOur company policy is to help our client’s in any way possible and with this in mind, we granted this client’s request for a full refund, no questions askedOperating within our company accounting procedures, we issued the client a check for the full refund amount of $400.00, during our next accounts payable check cycle (the 1st and 15th of every month) and mailed it to the client’s home address on the 15thOn the 16th of January, we received a single “chargeback” request from our merchant account vendor – Square, in the amount of $(this was for the client’s original deposit charge back in October of 2016)We promptly contacted the client by email and by text messages to his personal cell phone, and told him that his refund check for the full amount was in the mail and we politely asked him to cancel his charge back request as it would make our account off balanceThere was no response from the clientSince we did not receive any response from our client, we had no choice but to dispute the $chargeback with Square citing that we had already mailed a check to our client for the full refundWe also included a photocopy of the check we sent to the clientOn the 19th of January, we received notice from Square that our dispute for the $chargeback was successfully grantedOn the 20th of January, we received two more separate chargeback requests from square in which our client had initiatedAgain, we promptly contacted the client by way of email and personal text message and politely requested that he cancel these chargeback requests as we had already issued a refundAgain, our client never responded to our messagesSince we were left with no options, we informed our client anymore chargeback requests would be considered as an attempt of theftWith that said, our client immediately responded with threatening text messages and communicationsWe again contacted Square and disputed the two $chargebacks again citing we already issued a company check for the full amountAlso, we again sent Square a photocopy of the company issued checkHowever, this time Square informed our company that our dispute was denied and they were going through with reversing the charges to our client’s credit card the two separate $charges (for the 1st f November and one for the 1st of December 2015) for an total amount of $In light of this information we promptly contacted Square and our bank and asked what our options were as we were going to be double-chargedIt was the general consensus of both the bank and Square that our company go ahead and cancel the original $check and re-issue another $check to make up the remaining balanceWe happily complied with this and we also sent the client an postal letter via certified mail of what we were doing with regards to his refundWe sent this certified letter along with the $refund check in which we have confirmation the client did in fact cashThe conclusion and outcome to this situation is, even though the client was being “difficult” and the actual chargeback process made issuing a full refund to the client a bit challenging, the client was issued a full refund for the amount of $Finally, we have all documentation and message history to support this account of eventsBest regards, [redacted] Partner Credit Renovations LLC

The customer did in fact receive a full refund. The following is our history of this incident. The client was charged a $200.00 deposit in October of 2015 for our services and then 2 separate sequential $100.00 charges at the 1st of November and...

the 1st of December of 2015. These charges were applied to the client’s credit card per our agreement. Additionally, our agreement also states that our firm, CreditRenovations LLC has 9 months to execute our service ending in September of 2016. These 9 months were established to fully execute the strategies and to obtain our client’s goals. This agreement was fully acknowledged, understood, and mutually agreed upon by the client and our firm. However on January 4th, 2016, our client requested a refund for the amount of $400.00. According to our agreement which our client agreed to, our company was not obligated to refund the money until after the 9month period ending in September of 2016. However, in the name of good will and good faith, we agreed to refund, our client’s money in full. Additionally, we even extended to continue our services for free to help him through his financial crisis. The client promptly declined our offer and maintained he only wanted his money back. Our company policy is to help our client’s in any way possible and with this in mind, we granted this client’s request for a full refund, no questions asked. Operating within our company accounting procedures, we issued the client a check for the full refund amount of $400.00, during our next accounts payable check cycle (the 1st and 15th of every month) and mailed it to the client’s home address on the 15th. On the 16th of January, we received a single “chargeback” request from our merchant account vendor – Square, in the amount of $200.00 (this was for the client’s original deposit charge back in October of 2016). We promptly contacted the client by email and by text messages to his personal cell phone, and told him that his refund check for the full amount was in the mail and we politely asked him to cancel his charge back request as it would make our account off balance. There was no response from the client. Since we did not receive any response from our client, we had no choice but to dispute the $200.00 chargeback with Square citing that we had already mailed a check to our client for the full refund. We also included a photocopy of the check we sent to the client. On the 19th of January, we received notice from Square that our dispute for the $200.00 chargeback was successfully granted. On the 20th of January, we received two more separate chargeback requests from square in which our client had initiated. Again, we promptly contacted the client by way of email and personal text message and politely requested that he cancel these chargeback requests as we had already issued a refund. Again, our client never responded to our messages. Since we were left with no options, we informed our client anymore chargeback requests would be considered as an attempt of theft. With that said, our client immediately responded with threatening text messages and communications. We again contacted Square and disputed the two $100.00 chargebacks again citing we already issued a company check for the full amount. Also, we again sent Square a photocopy of the company issued check. However, this time Square informed our company that our dispute was denied and they were going through with reversing the charges to our client’s credit card the two separate $100.00 charges (for the 1st f November and one for the 1st of December 2015) for an total amount of $200.00. In light of this information we promptly contacted Square and our bank and asked what our options were as we were going to be double-charged. It was the general consensus of both the bank and Square that our company go ahead and cancel the original $400.00 check and re-issue another $200.00 check to make up the remaining balance. We happily complied with this and we also sent the client an postal letter via certified mail of what we were doing with regards to his refund. We sent this certified letter along with the $200.00 refund check in which we have confirmation the client did in fact cash. The conclusion and outcome to this situation is, even though the client was being “difficult” and the actual chargeback process made issuing a full refund to the client a bit challenging, the client was issued a full refund for the amount of $400.00. Finally, we have all documentation and message history to support this account of events. Best regards, [redacted] Partner Credit Renovations LLC.

The customer did in fact receive a full refund. The following is our history of this incident. The client was charged a $200.00 deposit in October of 2015 for our services and then 2 separate sequential $100.00 charges at the 1st of November and the 1st of December of 2015. These charges were...

applied to the client’s credit card per our agreement. Additionally, our agreement also states that our firm, CreditRenovations LLC has 9 months to execute our service ending in September of 2016. These 9 months were established to fully execute the strategies and to obtain our client’s goals. This agreement was fully acknowledged, understood, and mutually agreed upon by the client and our firm. However on January 4th, 2016, our client requested a refund for the amount of $400.00. According to our agreement which our client agreed to, our company was not obligated to refund the money until after the 9 month period ending in September of 2016. However, in the name of good will and good faith, we agreed to refund, our client’s money in full. Additionally, we even extended to continue our services for free to help him through his financial crisis. The client promptly declined our offer and maintained he only wanted his money back. Our company policy is to help our client’s in any way possible and with this in mind, we granted this client’s request for a full refund, no questions asked. Operating within our company accounting procedures, we issued the client a check for the full refund amount of $400.00, during our next accounts payable check cycle (the 1st and 15th of every month) and mailed it to the client’s home address on the 15th. On the 16th of January, we received a single “chargeback” request from our merchant account vendor – Square, in the amount of $200.00 (this was for the client’s original deposit charge back in October of 2016). We promptly contacted the client by email and by text messages to his personal cell phone, and told him that his refund check for the full amount was in the mail and we politely asked him to cancel his charge back request as it would make our account off balance. There was no response from the client. Since we did not receive any response from our client, we had no choice but to dispute the $200.00 chargeback with Square citing that we had already mailed a check to our client for the full refund. We also included a photocopy of the check we sent to the client. On the 19th of January, we received notice from Square that our dispute for the $200.00 chargeback was successfully granted. On the 20th of January, we received two more separate chargeback requests from square in which our client had initiated. Again, we promptly contacted the client by way of email and personal text message and politely requested that he cancel these chargeback requests as we had already issued a refund. Again, our client never responded to our messages. Since we were left with no options, we informed our client anymore chargeback requests would be considered as an attempt of theft. With that said, our client immediately responded with threatening text messages and communications. We again contacted Square and disputed the two $100.00 chargebacks again citing we already issued a company check for the full amount. Also, we again sent Square a photocopy of the company issued check. However, this time Square informed our company that our dispute was denied and they were going through with reversing the charges to our client’s credit card the two separate $100.00 charges (for the 1st f November and one for the 1st of December 2015) for an total amount of $200.00. In light of this information we promptly contacted Square and our bank and asked what our options were as we were going to be double-charged. It was the general consensus of both the bank and Square that our company go ahead and cancel the original $400.00 check and re-issue another $200.00 check to make up the remaining balance. We happily complied with this and we also sent the client an postal letter via certified mail of what we were doing with regards to his refund. We sent this certified letter along with the $200.00 refund check in which we have confirmation the client did in fact cash. The conclusion and outcome to this situation is, even though the client was being “difficult” and the actual chargeback process made issuing a full refund to the client a bit challenging, the client was issued a full refund for the amount of $400.00. Finally, we have all documentation and message history to support this account of events. Best regards, [redacted] Partner Credit Renovations LLC.