Product: Credit card

I disputed this on : XX/XX/XXXX : On XX/XX/XXXX, I signed up for XXXX XXXX XXXX, XXXX ( a service NOT a good ). While on the phone with XXXX, the sales XXXX, XXXX, stated on the recorded Zoom call and via email that I would be subject to a money-back guarantee if I did not earn XXXX in income while in the program if I completed all tasks required. Per my XXXX XXXX XXXX, XXXX contract as stated in section 1 : SERVICES, which is attached and highlighted ( $ XXXX GUARANTEE : *Company guarantees that Client will generate at least {$15000.00} in total gross revenue while inside this Program ). I have done everything my contract has required and beyond, and I have not reached XXXX in revenue to date and would like/ask that the money-back guarantee be enforced. Again, this is a service and not a good one. All information about the money-back guarantee is located on pages XXXX ; I have highlighted that information. I have attached all other proofs in the previous claim. Please let me know if you need that info again, and I will gladly resend it. The rep on the phone just advised me to send the contract and highlight the money-back guarantee portion. According to the FTC, this fraud is considered fraudulent/deceptive business practices, and the charge should be treated as fraud. I have reported this to the FTC and XXXX  XXXX 's response : XX/XX/XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Consumer Financial Protection Bureau Complaint # XXXX Macys American Express account ending in XXXX Dear XXXX XXXX XXXX We are in receipt of your complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ), which was forwarded to Macys XXXX XXXX XXXX As a liaison in this office, I was asked to review and respond to your concerns on behalf of Citibank, N. A. ( CBNA ). 
Upon receipt of your complaint, we reviewed your account and found your account was used to make a purchase of {$7500.00} on XX/XX/XXXX. Due to your claim that you did not receive the services as promised in the contract, a billing dispute was created for this purchase on XX/XX/XXXX. Further review found that on XX/XX/XXXX, our Billing Disputes department found that there was no recourse to retrieve a refund for this purchase, and the billing dispute was denied. On receipt of your complaint, we again partnered with our Billing Disputes department. Per the letter dated XX/XX/XXXX, their review found that per the terms of the contract, no refund would be given once the program began unless approved by the owner, and the dispute was denied. In order to resolve your concerns, it would be necessary to contact the merchant directly to receive a refund. 
Thank you for bringing this matter to our attention and giving us the opportunity to respond. If I may be of assistance on another matter, please do not hesitate to contact me at the telephone number listed below. 
Sincerely, XXXX XXXX XXXX XXXX Macy 's XXXX XXXX XXXX : XXXX Ext : XXXX Direct line : XXXX For TTY : We accept XXXX or other XXXX Service cc : Consumer Financial Protection Bureau My response to their letterXXXX : if the credit card holder had read all emails and the evidence attached, they would have seen the email where the service provider promised to return funds. Attached separately to this new claim