Business ProfileforNovae

Date of Transaction: February 2023 The amount of money you paid to the business: ****** and I charged back this amount through my bank.What the business committed to provide you: Credit repair and to become an affiliate to sell products What is the nature of the dispute: Novae advertises that it will charge ****** with an option to pay the 199 monthly at ***** a month. However, the app took the full amount of ****** and did not give me the option of ***** monthly. In the letter provided by Novae they do not explain the policy of refunding nor canceling. I found out that the company is a pyramid scheme. I told the representative I did not have the time nor want to sale under the pyramid. I reversed charges with my bank because I did not want to sell in a pyramid scheme nor did I want to continue paying them money for services that I do not want rendered and asked to cancel. They would not end the contract and since I charged back the amount, I agreed to settle for the ***** chargeback and requested a proration of fees from February to March, with an itemization of services rendered. They are threating to report the ****** + 50 chargeback fee to the credit bureaus. Ive only agreed to pay for the charge back and any proration, because *** requested to cancel and opt out of the affiliation. To which they will not cancel.Ive communicated with the business by email and by phone. In the email communication, Ive explained I will send a check for the charge back fee of *****. However, I will not provide them my credit card via email under the terms which they are asking me to settle for at ****** and a continued fee every month thereafter. *** requested them to send me a letter of cancelation and with that, I would pay a prorated amount for 3-weeks of service. However, I am not going to allow them to charge me for services that Ive requested to opt out of. They are threatening to report to the credit bureaus. The company is a pyramid scam.