Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
1. case number XXXX  XXXX XX/XX/XXXX 2.translation of correspondence with the recipient of funds, response to the claim. 

Complaint I have serious doubts about the 100 % guarantee of obtaining a license in my state ( preparation of documents, submission of documents to the board ) with the help of your academy. 
Firstly, I do not see a clearly structured and pre-established training schedule, which makes it impossible to plan and receive a full education ( even if there is the possibility of viewing recordings ). Your own unpreparedness for the lesson and regular yawning indicate unprofessional behavior and reduce the educational value of the training. 

2. There is no convenient and structured cosmetologist 's dictionary. Searching for a dictionary in the textbook on your own is extremely inconvenient ( it is easier to refer to third-party resources ), which does not meet the expectations of a professional training course.

3. The test prep materials have some mistakes and inaccuracies, so you have to check the info against other sources and compare the data yourself to find the right answer. This takes a lot of time and shows that the training material hasn't been properly worked out and organized. 

4. Presentations and training materials often contain elementary errors. Considering that these training materials are official teaching aids, they should be designed competently, professionally, and with high quality. Admitting the possibility of individual inaccuracies in the translated materials. 

5. Lack of instructor license in XXXX XXXX XXXX 
XXXX  training can only be provided by licensed schools and licensed instructors. The lack of an appropriate license makes the service provided legally invalid and misleading. The existence of an appropriate XXXX-style document, as you stated above, has no legal force in the United States XXXX 

In light of the above, I kindly request that you refund the amount of {$1000.00} within XXXX calendar days via XXXX XXXX. 




Hello, XXXX. 

Your request for a refund has been reviewed. 

We would like to inform you of the following. 

A contract for the provision of educational services was concluded between you and the XXXX XXXX XXXX, legal address : XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX Contact email : XXXX represented by Executive Director XXXX XXXX XXXX, an agreement for the provision of educational services was concluded by acceptance of a public offer. As part of the contract, you were given access to the educational platform, training materials, and classes. Training has begun, and a significant part of the program has already been completed. 

In accordance with clause 5.4 of the Offer, the Customer has the right to refuse further training, however, funds paid after the start of training are not refundable, as they are considered payment for the materials provided, access to the platform, and educational services rendered, regardless of whether they have been studied. 

We further clarify that, in accordance with clause 6.4 of the Offer, the Customer 's subjective assessment of the content and form of presentation of the material, as well as personal expectations regarding the outcome of the training, do not constitute grounds for recognizing the services as improperly rendered. 

The grounds for a refund provided for in clause 5.11 of the Offer ( actual non-provision of services or technical inability to access the services through no fault of the Customer ) do not apply in this case. 

In connection with the above : the contract does not provide for a refund of the amount paid in the amount of {$1000.00} ; the obligation to pay the remaining part of the tuition fee in the amount of {$1500.00} in case of your refusal to continue your studies is not subject to collection, provided that the provision of services is terminated and access to educational materials is closed. 

If you confirm your refusal to continue your studies, please send us a written notification. Upon receipt of the notification, access to the educational platform will be terminated. 

Sincerely, XXXX XXXX XXXX, Executive Director XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Contact e-mail : XXXX Hello, XXXX. 

Thank you for your response. 

I would like to inform you that I disagree with the position stated and consider the refusal to refund the money to be unjustified for the following reasons. 

1. Providing access to the platform does not constitute proper service provision. The refund request is based not on a subjective assessment, but on significant and objective violations, as described in detail in my previous text message.

2. The violations mentioned do not relate to " personal expectations '' but indicate improper service provision, which, by law, can not be limited solely by the terms of a public offer.

3. The school advertises itself as an online format, but in fact it organizes and teaches practical classes ( as evidenced by your class schedules, photos, and video materials from your XXXX page ) without the instructor having the appropriate license. This practice is misleading to both current and potential students, as it creates the impression of legitimate and professional practical training. At the same time, the expansion of the list of services provided in the United States, including practical classes, requires the contractor to have the appropriate professional skills, confirmed education, and permits, which in this case are not available. 

4. During the conversation, assistance in obtaining a cosmetologist license in general was discussed, and specifically for the state of Washington, your quote : " We will upload your documents ourselves and accompany you to register for the exam in XXXX  XXXX ) you will definitely have to take the exam there ) Can I call you today when it is convenient for you? '' ( there is a screenshot of the correspondence ). Therefore, the statement that the conversation was only about obtaining a license in XXXX XXXX XXXX is not true and is misleading. 

This objection confirms the existence of violations and requires a refund for improper services. Otherwise, I reserve the right to contact the regulatory authorities. 

XX/XX/XXXX XXXX XXXX. 



Hello, XXXX. 

Thank you for your message. 

I would like to inform you that your arguments have been reviewed again. There are no grounds for changing the previously made decision on the refund. 

Regarding the substance of your claims, I would like to clarify the following. 
1. The training you purchased is an online course provided by an educational school registered and operating in the XXXX XXXX. The school does not conduct educational activities in the United States, does not have American accreditation, and does not claim to be a licensed or accredited educational institution in the United States. 
2. You were provided with access to an online platform, training materials, lessons, and educational content in a distance learning format. The fact that you began training and gained access to the materials has been confirmed. In accordance with the terms of the public offer, which you agreed to before payment, no refunds are provided for services already rendered. 
3. The demonstration of practical elements within the online course is for informational and educational purposes only, is not professional practice, does not constitute licensed educational activity in the United States, and does not replace the mandatory training or practice required by specific states.

4. During correspondence and consultations, informational support and explanations of general procedures for submitting documents for licensing in various states, including XXXX  XXXX, were discussed. This assistance is advisory in nature. The school does not guarantee the receipt of a license, does not submit documents on behalf of government agencies, and does not influence the decisions of licensing authorities, as expressly stated in the terms of the offer. 

Thus, the service was provided in the stated format, the contractual obligations were fulfilled, and there are no legal grounds for a refund. 

If you contact the regulatory authorities, the school is ready to provide supporting documents, correspondence, and materials confirming the scope and format of the services provided. 

Sincerely, XXXX XXXX XXXX, XXXX! 

I would like to inform you that I disagree with the position you have outlined. 
My request for a refund is not based on the online format or the expectation of accreditation, but on the significant discrepancy between the service actually provided and the stated characteristics and quality standards, namely : -the format of the training and the organization of the educational process do not correspond to the description, -there is no clearly established and adhered to class schedule, -the training materials and presentations contain numerous errors and are unstructured, -the educational content and support do not provide the stated level of professional training. These circumstances do not relate to subjective assessment or personal expectations, but indicate the inadequate quality of the educational service as a whole, which, by virtue of the law, can not be excluded by the provisions of a public offer. 

The fact that access to the platform and partial familiarization with the materials is provided is solely for the purpose of evaluating the quality of the service and does not imply its acceptance in its proper form. 

I hereby reiterate my request for the voluntary refund of the amount paid in the amount of {$1000.00}. 

My goal is to achieve a fair and peaceful resolution of the dispute. 

If the refusal is maintained, I request that this correspondence be considered a pre-trial settlement of the dispute, and the situation may also have reputational consequences. 
Furthermore, I reserve the right to : - contact the servicing bank with a statement about improper service provision and misleading information ; - send an appeal to the competent regulatory authorities ; - use the available materials and correspondence to protect my rights ; - share my personal experience of studying ; - publish objective reviews about the quality of the course, the organization of the training, and interaction with the school ; - inform potential students through open sources and social networks. 

I consider further correspondence on the merits of the dispute to be inappropriate. 

Sincerely, XXXX. 
XX/XX/XXXX Hello XXXX. 

I hereby notify you of my decision to withdraw from the online course. 

My decision is based on the fact that the educational service provided does not correspond to the stated format and quality, and the identified shortcomings are significant. 

I consider the service to be unacceptable. Please consider this notification as an official refusal to continue the course. 
XX/XX/XXXX.

Company response to consumer: Closed with explanation