I paid for a service that was never provided, vendor stated for approximately 6 months that I was going to get the service, 2 days before the vendor was arrested for fraud I spoke with them and they said I was about to receive the service. You denied my claim because I was not in your 120 day window.. I was constantly in contact with vendor, others received refunds, but mine was denied.. This is not a billing error, this is fraud and you failed me as your customer. https://www.justice.gov/usao-edtx/pr/texas-man-and-woman-behind-my-buddy-loans-charged-filing-hundreds-fraudulent Attached is article on fraud that occurred.