Product: Credit card

I am formally disputing the recent decision in favor of XXXX XXXX regarding my chargeback request. XXXX XXXX has engaged in fraudulent business practices, breached multiple contractual agreements, failed to deliver services, and blatantly misrepresented facts to both me and your institution. Below is a comprehensive outline of why this dispute needs to be reconsidered, along with supporting evidence that clearly demonstrates their pattern of deception and non-delivery. 

XXXX. XXXX  XXXX Failed to Deliver the Services I Paid For I initially entered into an Accelerator Agreement with XXXX XXXX on XX/XX/XXXX, and paid {$9900.00} for services that included : XXXX XXXX XXXX XXXX XXXX with icons, screen renderings, and descriptions ) XXXX XXXX XXXX XXXX ( customer research and multi-channel strategy ) Neither of these key deliverables were ever provided, yet XXXX  XXXX falsely claims they completed them. 

After this partial and inadequate completion, I was convinced by XXXX  XXXX CEO, XXXX XXXX, to enter into a Development Agreement on XX/XX/XXXX, requiring an additional {$5000.00} to continue. I made an initial {$1000.00} payment on XX/XX/XXXX, with an agreement to pay the remaining {$4000.00} by XX/XX/XXXX. 

XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX claims I defaulted on payments and that this resulted in project termination. This is blatantly false, as I paid the full remaining balance of {$4000.00} on XX/XX/XXXX. I have proof of this transaction. 

Following my full payment, XXXX himself confirmed in writing that everything was moving forward and that there were no issues with the project. So why is my payment history even being used as an excuse now? 

If I was truly in " default, '' why would XXXX XXXX still accept my full payment and confirm that the project was proceeding as planned? This proves that their termination excuse is fabricated to cover up their failure to deliver. 

XXXX. XXXX  XXXX Ghosted Me and Provided No Updates After Payment Once I paid in full, XXXX  XXXX : Refused to provide project updates Ignored my emails and messages for months Failed to deliver a functioning app or any usable code Blocked me on XXXX and other platforms to avoid accountability I repeatedly requested access to the apps progress and source code, yet all I received was a generic, unusable code sample on XX/XX/XXXX, XXXX unacceptable deliverable for an app development company. 

XXXX. XXXX  XXXX Violated Their Own Contracts Termination Policy Under Sections 13 and 14 of the Development Agreement, XXXX  XXXX was required to provide written notice before terminating the contract. 

I was never notified in writing. 
I only found out through online complaints on XXXX  and XXXX. 
This means XXXX XXXX " contract termination '' was illegitimate and done solely to keep my money while avoiding accountability. 
XXXX. XXXX  XXXX Has a Documented History of Fraudulent Behavior I am not the only victim. 

I have a growing list of individuals who have also been scammed by XXXX XXXX. 
Numerous XXXX  complaints, XXXX reviews, and XXXX posts detail similar experiences of deception, non-delivery, and financial loss. 
XXXX. This Chargeback Must Be Reconsidered XXXX XXXX has gaslighted and manipulated me at every step, presenting false narratives while withholding the services I paid for. The evidence is overwhelmingly in my favor, proving : They breached their contract. 
They misled me about project progress. 
They failed to deliver the services I paid for. 
I respectfully request that my chargeback be reinstated, as I was blatantly scammed. XXXX XXXX is a fraudulent company engaging in deceptive practices, and I urge the bank to take another look at the indisputable evidence proving my claim. 

Please let me know the next steps to further escalate this dispute. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX