Metro Krav Maga & Kickboxing

Initial Business Response / [redacted] (1000, 5, 2016/01/21) */ Contact Name and Title: [redacted] /Owner Contact Phone: 618*-XXX-XXXX Contact Email: [redacted] @aol.com Revdex.com, I have enclosed Mrs [redacted] transaction records, contract, and cancellation letter According to our billing company, [redacted] they attempted to draft her account on 12/23/and it came back declined Our billing company charges a $bounced transaction fee when any transaction is declined This $fee is not something we charge in house; nor do we keep the fee The entire fee goes to [redacted] which is a 3rd party billing company [redacted] is an accredited business with the Revdex.com, which has an A+ rating for fair and honest business practices In the transaction report from [redacted] you will see where her contract amount of $was paid to client (our facility), and $was the bounced fee which goes to the billing company Mrs [redacted] contacted us by phone on or around the 29th of December in regard to this manner She stated she had money in the account and shouldn't have been charged the $ We told her if she brought in proof from her bank showing money was there and no transactions was attempted; we could submit it to our billing company and get her money refunded The next day Mrs [redacted] contacted us again by phone wanting to cancel and asking for a refund on her $late feeLater she wanted a refund for the month she attended She never once mentioned us about being charged the wrong amount until she got on social media So that was something that came in later She also posted a copy of the 30-day cancellation (enclosed); stating that we crossed out "day" and put "NOW" so she wouldn't get her money back This is NOT what that paper is about This is a written notice of cancellation as stated in the submitted contract she signed Mrs [redacted] filled out her cancellation letter on 12/30/ According to the terms of her contract, it takes days to cancel This is CLEARLY stated, italicized, and underlined in the short paragraph dealing with cancellations in her submitted contract Her payments are due on the 23rd of every month Which means, according to her contract, she would still owe a final payment on 1/23/ However, to go the extra mile for her, I waived that final payment of $for her That is why on the top of the paper I submitted to you says NOW instead of days This waived the payment which would've been due before the end of her 30-day cancelation was complete They lied about us on social media, poked fun of my head instructor who has a genetic weight problem, and slandered my 14-year-old son openly on Facebook for "sitting around eating potato chips when he's supposed to be teaching"My son is and he's not an instructor He's not old enough They called us thieves, and slandered my personally calling me Christian faith into question You have a copy of her signed contract clearly stating the amount she was to be charged, along with the date and terms of cancellation You also have a copy of the bounced transaction report from [redacted] Although we are 100% in our legal right to charge another $for her next payment, and keep the $(which doesn't even go to us That money goes to our billing company); we still made the following concessions for her We refunded her the $late fee WITHOUT PROOF from her bank This came out of our pocket We waived her next payment of $and allowed her to cancel immediately You can see by the date of the signed contract, and the date of the payments that she was an active member for way through the monthUp until her payment was due All Mrs [redacted] has been charged for at this point is the month she attended She is seeking EVERYTHING back which she paid; including the time she attended as a member This means she is expecting us to have given her FREE instruction for that month She has lied many times; for which you now have documentation She has lied and slandered us I would like to address one more item which was mentioned on social media It was stated that we have unqualified, young instructors teaching illegally Our instructors are professionally trained to instruct They have been through our own instructor training (which I am a national trainer of instructors for large martial arts organization; which represents nearly schools I travel and teach instructors how to teach.) Most of them have also attended and passed national instructor training colleges with instructors from all over the world The age and experience level of our instructors are as follows [redacted] is [redacted] years old and has been with me since He is my head instructor [redacted] is [redacted] yrs old and started when he was [redacted] is [redacted] and been with us since she was [redacted] is [redacted] and been with us since he was [redacted] is [redacted] (a 3-time world kickboxing champion) and been with us since she was [redacted] is [redacted] and been with us since she was My wife and I are both in our 40's and I have been involved with martial arts since age ALL of these instructors are paid We have payroll reports and time sheets on each of these people I am considering a law suit against the person In years of business, I have NEVER once considered taking anyone to court over anything However, this person is over the top In Christ, [redacted] Owner/Master Instructor Premier Martial Arts, Collinsville Il XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (1500, 8, 2016/01/21) */

Initial Business Response / [redacted] (1000, 5, 2015/11/16) */ Contact Name and Title: [redacted] /Owner Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @aol.com Revdex.com, I have enclosed Mrs [redacted] transaction records, contract, and cancellation letterAccording to our billing company, [redacted] they attempted to draft her account on 10/23/and it came back as a generic declineOur billing company charges a $bounced transaction fee when any transaction is declinedThis $fee is not something we charge in house; nor do we see any of that moneyThe entire fee goes to [redacted] which is a 3rd party billing companyIn the transaction report you will see where $was paid to client (our facility), and $was the bounced fee Mrs [redacted] contacted us by phone on or around the 27th of October in regard to this mannerShe stated that her bank told her there was no record of an attempted transactionWe then contacted our billing company who said a generic decline is usually a problem at the center which issues the cardThey said she needed to call the 1-number on the back of her card to find out why the card was declined We have attempted twice to contact Mrs [redacted] to let her know she needed to contact the card companyWe were also going to tell her that we could get the billing company to refund the $25, if she could provide something from the bank and card company stating that there was no attempted transactionI need something to submit to [redacted] for this to happen Please understand that [redacted] entire system is automatedThey handle thousands of health clubs and martial arts studios around the worldThere is no one manually running paymentsI'm not exactly sure how a failed transaction record, such as the one I provided for you, could have been automatically generated unless a transaction was attempted I am however making a couple of concessions in attempts to be fair with Mrs [redacted] Mrs [redacted] dropped her cancellation letter in our mail slot on 10/31/According to the terms of her contract, it takes days to cancelThis is CLEARLY stated, italicized, and underlined in the short paragraph dealing with cancellationsHer payments are due on the 23rd of every monthWhich means, according to her contract, she would still owe a final payment on 11/23/However, because she only attended weeks of classes, I am waiving that final payment for her I am also more than willing to refund her $with minimal documentation from her bank and card company stating that there was never a transaction attempt Please understand that I wish to be fair, but I run a businessMrs [redacted] is asking us to refund money which went to a third party without any proofShe is also asking us to refund a partial month with no cancellation notice as stated in the enclosed contract, which was explained and signed by Mrs [redacted] This is something extra she added after submitting a cancellation notice, which I have enclosed Originally, she was asking for immediate termination of her contract, which I am willing to do for her; and her $refund, which I am also willing to do with proofNow she had added this partial months refundThis I am unwilling to do In Christ, [redacted] Owner/Master Instructor Premier Martial Arts, Collinsville Il 618-344-

Initial Business Response / [redacted] (1000, 5, 2015/07/18) */ Contact Name and Title: [redacted] /Owner Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @aol.com [redacted] came in May 22, 2015with her children and attended a free classes at the end of that class I asked how they liked it and if they would like to continue in our programThey said yesI sat down with them explained the program our basic program is a month program, went through the payment options and explained the schedule of classes her children could attended She agreed and signed the agreement authorizing us to use her credit card for monthly payments of $per month for six monthsWe agreed that the payment would start in two weeksThat date was June 5, her card was ran like the agreement statesThat payment came back insufficient fundsHer card was ran again on 06-10-came back with insufficient fundsAfter that payment was again not paid there was a charge added on 6-12-On 6-22-her card was charged again came back again with insufficient fundsAfter that attempt my billing company put her on a manual billing which adds and extra $each transactionsOn 7-3-a payment of $went through and it applied to her bill and adds on fees that started back on 06-05- On the agreement under CANCELLATION: It states that buyer many cancel at anytime with a day written noticeBuyer must be current on all monthly installments to cancel [redacted] still has not come in to sign that cancelation notice

Complaint: [redacted] I am rejecting this response because: We did in fact spend almost This includes $for membership and almost $for equipment and taxesMyself and my husband specifically asked multiple times throughout the process to ensure that there were no other fees or costsWe even said we needed to think it over and would return later that evening of we wanted to follow through with the purchaseWe we're told the "sale" ended that night and we're told if we didn't purchase that the price would go up the next daySo we did return that evening with the money, once more my husband and I said so this will cover everything for months! She said "absolutely, you'll be set"So we gave her the cash and signed the contractIt wasn't until weeks later at the New parents orientation that my husband was told about belt upgrade fees, assuming these were included in what we paid he signed the paperworkIt wasn't until the next days we found out this was in fact not included! Then a few days later we we're pulled aside and given another sales pitch about upgrading and more equipment that needed to be purchased because our kids were ready to upgradeIt was at this time that I made it clear that we had nothing more to give and we were upset because it wasn't even months after we signed up that now they are needing more money and more things to continue on.? I also made a complaint about my daughter being asked to sit out of a portion of the class because she didn't have certain equipment that they were now saying she needed to participateShe said it shouldn't have happened but it happened again twice more after the factThat's when we stopped attending because our kids were being held back because we weren't purchasing more things like they were pressuring us to doWe stopped attending the second week (Sept 11th) in SeptemberWe paid and signed up July 31stSo we we're members for approximately daysWe have not slandered anyone, I wrote a true statement on their Facebook business review page and my personal pageOnce other parents began coming forward about their bad experience with them taking extra money from their bank accounts and soliciting them in [redacted] they completely removed their review portion of their page so no others could be notified about their sales and poor customer serviceSo I put the information on a couple public pages where they could be viewed and hopefully preventing this from happening to othersSince then I have received over a hundred messages and comments from others who have had similar bad experiences with this Martial Arts studio and have even been contacted by news sites to possibly pursue this furtherI have no desire to do so if we can come to an agreement about a refundI have heard nothing but negative reviews about them except woman who came forward and said her kids liked it thereI feel that they were deceitful about costs and had they just been honest we would have declined the membershipWe are not hard up for money but we do value what we have as my husband works very hard to provide for our family! We do not appreciate being taken advantage of especially considering they are in business with children involved.? Sincerely, [redacted]

Contact Name and Title: *** ***/Owner
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@aol.com
Our Krav Maga classes are the age range of yrs old and up*** *** ***'s year old daughter (***) never sparred*** brought her daughter in to learn self defense
since she was a senior in high school and be going to college next year***'s first classes she was learning beginning level self defense techniquesThe second class *** came to class there was another lady that was it was her second class and the two ladies where working on the same techniques that is why they where paired up togetherNo time during the class did either of the ladies tell the instructors teaching class that the older lady was being hurt or injured?
When I talked to *** on the phone about *** being paired up with the older lady I told her that they would not always been paired togetherWith the class schedule we have the students have days a week they can attendThey can come to any of those classes they would likeThe same students will not always be in the same class so when we do partners you will not always be with the same personBut *** did not like that I could not guarantee that *** would not have to work with older people in class
*** asked for a refund and I explained to her that there are no refunds on paid in fullAlso she came in on a summer special we where having which is weeks of class for $Our regular Krav Maga classes are $a month for monthsOn the agreement that *** signed it is stated in bold letters under our cancellation policy: ALL PAID IN FULL MONEY ARE NON REFUNDABLE

Initial Business Response /* (1000, 7, 2015/07/18) */
Contact Name and Title: *** ***/Owner
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@aol.com
Mr***'s son did begin in our basic program which is $per monthThis is a month program maximum (not mos to 1yr)
In this program students begin to develop the coordination and confidence necessary to perform some of the requirements in our next program upIt doesn't always take months to develop this coordinationIn May, *** was ready to move to the next program if they wanted to do soThis is ALWAYS a parent's choice to move up, or stay in the current programThey wanted to put him in that program and asked if we could work with them on the packageWe told them we would order it for them if they made a deposit on the equipmentThey could then make payments on the package and they could have it once it was paid off
The total of the package was $with taxMrs*** ordered the equipment on May 23rd and made an initial payment of $She made another installment of $on June 1st, leaving a balance of $Mr*** contacted us the 2nd week of June to cancel; stating *** was acting out at homeWe re-explained our cancelation proceduresMr*** then asked for a refund on the equipment
All of our equipment sales are special order sales according to sizeWe are a small business and do not stock equipmentWe have a sign that states all sales are nonrefundableMy small business cannot afford to get stuck with equipment people order in and decide they do not wantHowever, we made a compromise that his final monthly payment would be adjusted to simply cover our cost on the order
They agreed to this compromise and sign the paperworkLater they called saying that they wanted a full refundI can't figure out why he is asking for a refund of $when he has only paid $He has been back and forth, going from rational to irrational, on what is acceptable to him several times; even to point of readily signing the agreement, then becoming angry about it
The agreement they signed will cover our cost on the equipmentSince Mrs*** has paid slightly over what it cost us to purchase it, we are giving them a refund of the difference and taking it from their final tuition payment
They also had the option of paying the remaining $and receiving their gearWe gave him that option in the beginning and Mr*** said he didn't want it
If you need a copy of our non refund sign or the receipts Mr*** has paid on the equipement package I can fax those to youI have them saved as a pdf file and cant be attached to this response

attached you will find a letter explaining the storyAlso is the signed contract that has no refund policy highlighted with her initialsAlso is a paper explaining belt fees that her husband initials. If you have any further questions please contact me. Thank you

Initial Business Response /* (1000, 5, 2016/01/21) */
Contact Name and Title: *** ***/Owner
Contact Phone: 618*-XXX-XXXX
Contact Email: ***@aol.com
Revdex.com,
I have enclosed Mrs*** transaction records, contract, and cancellation letter According to our billing company,
*** *** they attempted to draft her account on 12/23/and it came back declined Our billing company charges a $bounced transaction fee when any transaction is declined This $fee is not something we charge in house; nor do we keep the fee The entire fee goes to *** *** which is a 3rd party billing company *** is an accredited business with the Revdex.com, which has an A+ rating for fair and honest business practices In the transaction report from *** you will see where her contract amount of $was paid to client (our facility), and $was the bounced fee which goes to the billing company
Mrs*** contacted us by phone on or around the 29th of December in regard to this manner She stated she had money in the account and shouldn't have been charged the $ We told her if she brought in proof from her bank showing money was there and no transactions was attempted; we could submit it to our billing company and get her money refunded
The next day Mrs*** contacted us again by phone wanting to cancel and asking for a refund on her $late feeLater she wanted a refund for the month she attended She never once mentioned us about being charged the wrong amount until she got on social media So that was something that came in later
She also posted a copy of the 30-day cancellation (enclosed); stating that we crossed out "day" and put "NOW" so she wouldn't get her money back This is NOT what that paper is about This is a written notice of cancellation as stated in the submitted contract she signed Mrs*** filled out her cancellation letter on 12/30/ According to the terms of her contract, it takes days to cancel This is CLEARLY stated, italicized, and underlined in the short paragraph dealing with cancellations in her submitted contract Her payments are due on the 23rd of every month Which means, according to her contract, she would still owe a final payment on 1/23/ However, to go the extra mile for her, I waived that final payment of $for her That is why on the top of the paper I submitted to you says NOW instead of days This waived the payment which would've been due before the end of her 30-day cancelation was complete
They lied about us on social media, poked fun of my head instructor who has a genetic weight problem, and slandered my 14-year-old son openly on Facebook for "sitting around eating potato chips when he's supposed to be teaching"My son is and he's not an instructor He's not old enough They called us thieves, and slandered my personally calling me Christian faith into question
You have a copy of her signed contract clearly stating the amount she was to be charged, along with the date and terms of cancellation You also have a copy of the bounced transaction report from *** Although we are 100% in our legal right to charge another $for her next payment, and keep the $(which doesn't even go to us That money goes to our billing company); we still made the following concessions for her
We refunded her the $late fee WITHOUT PROOF from her bank This came out of our pocket
We waived her next payment of $and allowed her to cancel immediately
You can see by the date of the signed contract, and the date of the payments that she was an active member for way through the monthUp until her payment was due All Mrs*** has been charged for at this point is the month she attended She is seeking EVERYTHING back which she paid; including the time she attended as a member This means she is expecting us to have given her FREE instruction for that month She has lied many times; for which you now have documentation She has lied and slandered us
I would like to address one more item which was mentioned on social media It was stated that we have unqualified, young instructors teaching illegally Our instructors are professionally trained to instruct They have been through our own instructor training (which I am a national trainer of instructors for large martial arts organization; which represents nearly schools I travel and teach instructors how to teach.) Most of them have also attended and passed national instructor training colleges with instructors from all over the world
The age and experience level of our instructors are as follows
*** *** is ** years old and has been with me since He is my head instructor
** *** is ** yrs old and started when he was
*** *** is ** and been with us since she was
*** *** is ** and been with us since he was
*** *** is ** (a 3-time world kickboxing champion) and been with us since she was
*** *** is ** and been with us since she was
My wife and I are both in our 40's and I have been involved with martial arts since age
ALL of these instructors are paid We have payroll reports and time sheets on each of these people I am considering a law suit against the person In years of business, I have NEVER once considered taking anyone to court over anything However, this person is over the top
In Christ,
*** ** ***
Owner/Master Instructor
Premier Martial Arts, Collinsville Il
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (1500, 8, 2016/01/21) */

Initial Business Response /* (1000, 5, 2015/11/16) */
Contact Name and Title: *** ***/Owner
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@aol.com
Revdex.com,
I have enclosed Mrs*** transaction records, contract, and cancellation letter According to our billing company,
*** *** they attempted to draft her account on 10/23/and it came back as a generic decline Our billing company charges a $bounced transaction fee when any transaction is declined This $fee is not something we charge in house; nor do we see any of that money The entire fee goes to *** *** which is a 3rd party billing company In the transaction report you will see where $was paid to client (our facility), and $was the bounced fee
Mrs *** contacted us by phone on or around the 27th of October in regard to this manner She stated that her bank told her there was no record of an attempted transaction We then contacted our billing company who said a generic decline is usually a problem at the center which issues the card They said she needed to call the 1-number on the back of her card to find out why the card was declined
We have attempted twice to contact Mrs*** to let her know she needed to contact the card company We were also going to tell her that we could get the billing company to refund the $25, if she could provide something from the bank and card company stating that there was no attempted transaction I need something to submit to *** *** for this to happen
Please understand that *** entire system is automated They handle thousands of health clubs and martial arts studios around the world There is no one manually running payments I'm not exactly sure how a failed transaction record, such as the one I provided for you, could have been automatically generated unless a transaction was attempted
I am however making a couple of concessions in attempts to be fair with Mrs***
Mrs *** dropped her cancellation letter in our mail slot on 10/31/ According to the terms of her contract, it takes days to cancel This is CLEARLY stated, italicized, and underlined in the short paragraph dealing with cancellations Her payments are due on the 23rd of every month Which means, according to her contract, she would still owe a final payment on 11/23/ However, because she only attended weeks of classes, I am waiving that final payment for her
I am also more than willing to refund her $with minimal documentation from her bank and card company stating that there was never a transaction attempt
Please understand that I wish to be fair, but I run a business Mrs*** is asking us to refund money which went to a third party without any proof She is also asking us to refund a partial month with no cancellation notice as stated in the enclosed contract, which was explained and signed by Mrs*** This is something extra she added after submitting a cancellation notice, which I have enclosed
Originally, she was asking for immediate termination of her contract, which I am willing to do for her; and her $refund, which I am also willing to do with proof Now she had added this partial months refund This I am unwilling to do
In Christ,
*** ** ***
Owner/Master Instructor
Premier Martial Arts, Collinsville Il
618-344-

Complaint:
***
I am rejecting this response because:
We did in fact spend almost This includes $for membership and almost $for equipment and taxesMyself and my husband specifically asked multiple times throughout the process to ensure that there were no other fees or costsWe even said we needed to think it over and would return later that evening of we wanted to follow through with the purchaseWe we're told the "sale" ended that night and we're told if we didn't purchase that the price would go up the next daySo we did return that evening with the money, once more my husband and I said so this will cover everything for months! She said "absolutely, you'll be set"So we gave her the cash and signed the contractIt wasn't until weeks later at the New parents orientation that my husband was told about belt upgrade fees, assuming these were included in what we paid he signed the paperworkIt wasn't until the next days we found out this was in fact not included! Then a few days later we we're pulled aside and given another sales pitch about upgrading and more equipment that needed to be purchased because our kids were ready to upgradeIt was at this time that I made it clear that we had nothing more to give and we were upset because it wasn't even months after we signed up that now they are needing more money and more things to continue on.? I also made a complaint about my daughter being asked to sit out of a portion of the class because she didn't have certain equipment that they were now saying she needed to participateShe said it shouldn't have happened but it happened again twice more after the factThat's when we stopped attending because our kids were being held back because we weren't purchasing more things like they were pressuring us to doWe stopped attending the second week (Sept 11th) in SeptemberWe paid and signed up July 31stSo we we're members for approximately daysWe have not slandered anyone, I wrote a true statement on their Facebook business review page and my personal pageOnce other parents began coming forward about their bad experience with them taking extra money from their bank accounts and soliciting them in *** they completely removed their review portion of their page so no others could be notified about their sales and poor customer serviceSo I put the information on a couple public pages where they could be viewed and hopefully preventing this from happening to othersSince then I have received over a hundred messages and comments from others who have had similar bad experiences with this Martial Arts studio and have even been contacted by news sites to possibly pursue this furtherI have no desire to do so if we can come to an agreement about a refundI have heard nothing but negative reviews about them except woman who came forward and said her kids liked it thereI feel that they were deceitful about costs and had they just been honest we would have declined the membershipWe are not hard up for money but we do value what we have as my husband works very hard to provide for our family! We do not appreciate being taken advantage of especially considering they are in business with children involved.?
Sincerely,
*** ***

Complaint:...

[redacted]
I am rejecting this response because:
We did in fact spend almost 1400. This includes $1008 for membership and almost $400 for equipment and taxes. Myself and my husband specifically asked multiple times throughout the process to ensure that there were no other fees or costs. We even said we needed to think it over and would return later that evening of we wanted to follow through with the purchase. We we're told the "sale" ended that night and we're told if we didn't purchase that the price would go up the next day. So we did return that evening with the money, once more my husband and I said so this will cover everything for 6 months! She said "absolutely, you'll be set". So we gave her the cash and signed the contract. It wasn't until 2 weeks later at the New parents orientation that my husband was told about belt upgrade fees, assuming these were included in what we paid he signed the paperwork. It wasn't until the next days we found out this was in fact not included! Then a few days later we we're pulled aside and given another sales pitch about upgrading and more equipment that needed to be purchased because our kids were ready to upgrade. It was at this time that I made it clear that we had nothing more to give and we were upset because it wasn't even 2 months after we signed up that now they are needing more money and more things to continue on.  I also made a complaint about my daughter being asked to sit out of a portion of the class because she didn't have certain equipment that they were now saying she needed to participate. She said it shouldn't have happened but it happened again twice more after the fact. That's when we stopped attending because our kids were being held back because we weren't purchasing more things like they were pressuring us to do. We stopped attending the second week (Sept 11th) in September. We paid and signed up July 31st. So we we're members for approximately 43 days. We have not slandered anyone, I wrote a true statement on their Facebook business review page and my personal page. Once other parents began coming forward about their bad experience with them taking extra money from their bank accounts and soliciting them in [redacted] they completely removed their review portion of their page so no others could be notified about their sales and poor customer service. So I put the information on a couple public pages where they could be viewed and hopefully preventing this from happening to others. Since then I have received over a hundred messages and comments from others who have had similar bad experiences with this Martial Arts studio and have even been contacted by news sites to possibly pursue this further. I have no desire to do so if we can come to an agreement about a refund. I have heard nothing but negative reviews about them except 1 woman who came forward and said her kids liked it there. I feel that they were deceitful about costs and had they just been honest we would have declined the membership. We are not hard up for money but we do value what we have as my husband works very hard to provide for our family! We do not appreciate being taken advantage of especially considering they are in business with children involved. 
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2016/01/21) */
Contact Name and Title: [redacted]/Owner
Contact Phone: 618*-XXX-XXXX
Contact Email: [redacted]@aol.com
Revdex.com,
I have enclosed Mrs. [redacted] transaction records, contract, and cancellation letter. According to our billing company,...

[redacted] they attempted to draft her account on 12/23/15 and it came back declined. Our billing company charges a $25 bounced transaction fee when any transaction is declined. This $25 fee is not something we charge in house; nor do we keep the fee. The entire fee goes to [redacted] which is a 3rd party billing company. [redacted] is an accredited business with the Revdex.com, which has an A+ rating for fair and honest business practices. In the transaction report from [redacted] you will see where her contract amount of $218 was paid to client (our facility), and $25 was the bounced fee which goes to the billing company.
Mrs. [redacted] contacted us by phone on or around the 29th of December in regard to this manner. She stated she had money in the account and shouldn't have been charged the $25. We told her if she brought in proof from her bank showing money was there and no transactions was attempted; we could submit it to our billing company and get her money refunded.
The next day Mrs. [redacted] contacted us again by phone wanting to cancel and asking for a refund on her $25 late fee. Later she wanted a refund for the month she attended. She never once mentioned us about being charged the wrong amount until she got on social media. So that was something that came in later.
She also posted a copy of the 30-day cancellation (enclosed); stating that we crossed out "30 day" and put "NOW" so she wouldn't get her money back. This is NOT what that paper is about. This is a written notice of cancellation as stated in the submitted contract she signed. Mrs. [redacted] filled out her cancellation letter on 12/30/15. According to the terms of her contract, it takes 30 days to cancel. This is CLEARLY stated, italicized, and underlined in the short paragraph dealing with cancellations in her submitted contract. Her payments are due on the 23rd of every month. Which means, according to her contract, she would still owe a final payment on 1/23/16. However, to go the extra mile for her, I waived that final payment of $218 for her. That is why on the top of the paper I submitted to you says NOW instead of 30 days. This waived the payment which would've been due before the end of her 30-day cancelation was complete.
They lied about us on social media, poked fun of my head instructor who has a genetic weight problem, and slandered my 14-year-old son openly on Facebook for "sitting around eating potato chips when he's supposed to be teaching". My son is 14 and he's not an instructor. He's not old enough. They called us thieves, and slandered my personally calling me Christian faith into question.
You have a copy of her signed contract clearly stating the amount she was to be charged, along with the date and terms of cancellation. You also have a copy of the bounced transaction report from [redacted] Although we are 100% in our legal right to charge another $218 for her next payment, and keep the $25 (which doesn't even go to us. That money goes to our billing company); we still made the following concessions for her.
1. We refunded her the $25 late fee WITHOUT PROOF from her bank. This came out of our pocket.
2. We waived her next payment of $218 and allowed her to cancel immediately.
You can see by the date of the signed contract, and the date of the payments that she was an active member for way through the month... Up until her payment was due. All Mrs. [redacted] has been charged for at this point is the month she attended. She is seeking EVERYTHING back which she paid; including the time she attended as a member. This means she is expecting us to have given her FREE instruction for that month. She has lied many times; for which you now have documentation. She has lied and slandered us.
I would like to address one more item which was mentioned on social media. It was stated that we have unqualified, young instructors teaching illegally. Our instructors are professionally trained to instruct. They have been through our own instructor training (which I am a national trainer of instructors for 2 large martial arts organization; which represents nearly 200 schools. I travel and teach instructors how to teach.). Most of them have also attended and passed national instructor training colleges with instructors from all over the world.
The age and experience level of our instructors are as follows.
[redacted] is ** years old and has been with me since 2004. He is my head instructor
[redacted] is ** yrs old and started when he was 7.
[redacted] is ** and been with us since she was 4.
[redacted] is ** and been with us since he was 4.
[redacted] is ** (a 3-time world kickboxing champion) and been with us since she was 11.
[redacted] is ** and been with us since she was 14.
My wife and I are both in our 40's and I have been involved with martial arts since age 10.
ALL of these instructors are paid. We have payroll reports and time sheets on each of these people. I am considering a law suit against the person. In 15 years of business, I have NEVER once considered taking anyone to court over anything. However, this person is over the top.
In Christ,
[redacted]
Owner/Master Instructor
Premier Martial Arts, Collinsville Il.
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (1500, 8, 2016/01/21) */

attached you will find a letter explaining the story. Also is the signed contract that has no refund policy highlighted with her initials. Also is a paper explaining belt fees that her husband initials.  If you have any further questions please contact me.  Thank you

Initial Business Response /* (1000, 5, 2015/07/18) */
Contact Name and Title: [redacted]/Owner
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@aol.com
[redacted] came in May 22, 2015with her 3 children and attended a free classes at the end of that class I asked how they liked...

it and if they would like to continue in our program. They said yes. I sat down with them explained the program our basic program is a 6 month program, went through the payment options and explained the schedule of classes her children could attended . She agreed and signed the agreement authorizing us to use her credit card for monthly payments of $218.00 per month for six months. We agreed that the payment would start in two weeks. That date was June 5, 2015 her card was ran like the agreement states. That payment came back insufficient funds. Her card was ran again on 06-10-15 came back with insufficient funds. After that payment was again not paid there was a charge added on 6-12-15. On 6-22-15 her card was charged again came back again with insufficient funds. After that attempt my billing company put her on a manual billing which adds and extra $25.00 each transactions. On 7-3-15 a payment of $252.00 went through and it applied to her bill and adds on fees that started back on 06-05-2015.
On the agreement under CANCELLATION: It states that buyer many cancel at anytime with a 30 day written notice. Buyer must be current on all monthly installments to cancel. [redacted] still has not come in to sign that cancelation notice.

Initial Business Response /* (1000, 5, 2015/11/16) */
Contact Name and Title: [redacted]/Owner
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@aol.com
Revdex.com,
I have enclosed Mrs. [redacted] transaction records, contract, and cancellation letter. According to our billing company,...

[redacted] they attempted to draft her account on 10/23/15 and it came back as a generic decline. Our billing company charges a $25 bounced transaction fee when any transaction is declined. This $25 fee is not something we charge in house; nor do we see any of that money. The entire fee goes to [redacted] which is a 3rd party billing company. In the transaction report you will see where $125 was paid to client (our facility), and $25 was the bounced fee.
Mrs [redacted] contacted us by phone on or around the 27th of October in regard to this manner. She stated that her bank told her there was no record of an attempted transaction. We then contacted our billing company who said a generic decline is usually a problem at the center which issues the card. They said she needed to call the 1-800 number on the back of her card to find out why the card was declined.
We have attempted twice to contact Mrs. [redacted] to let her know she needed to contact the card company. We were also going to tell her that we could get the billing company to refund the $25, if she could provide something from the bank and card company stating that there was no attempted transaction. I need something to submit to [redacted] for this to happen.
Please understand that [redacted] entire system is automated. They handle thousands of health clubs and martial arts studios around the world. There is no one manually running payments. I'm not exactly sure how a failed transaction record, such as the one I provided for you, could have been automatically generated unless a transaction was attempted.
I am however making a couple of concessions in attempts to be fair with Mrs. [redacted].
1. Mrs [redacted] dropped her cancellation letter in our mail slot on 10/31/15. According to the terms of her contract, it takes 30 days to cancel. This is CLEARLY stated, italicized, and underlined in the short paragraph dealing with cancellations. Her payments are due on the 23rd of every month. Which means, according to her contract, she would still owe a final payment on 11/23/15. However, because she only attended 2 weeks of classes, I am waiving that final payment for her.
2. I am also more than willing to refund her $25 with minimal documentation from her bank and card company stating that there was never a transaction attempt.
Please understand that I wish to be fair, but I run a business. Mrs. [redacted] is asking us to refund money which went to a third party without any proof. She is also asking us to refund a partial month with no cancellation notice as stated in the enclosed contract, which was explained and signed by Mrs. [redacted]. This is something extra she added after submitting a cancellation notice, which I have enclosed.
Originally, she was asking for immediate termination of her contract, which I am willing to do for her; and her $25 refund, which I am also willing to do with proof. Now she had added this partial months refund. This I am unwilling to do.
In Christ,
[redacted]
Owner/Master Instructor
Premier Martial Arts, Collinsville Il.
618-344-9675