nphub.com

To Whom It May Concern, I am submitting this letter as a formal redispute regarding charges from NP HUB LLC. This dispute has been reviewed multiple times and previously denied based on alleged compliance with the merchant’s terms of service. However, a detailed review of NP HUB’s own published Refund & Cancellation Policy, combined with documented email correspondence, clearly demonstrates that the merchant violated its own refund and cancellation promises. The applicable policy is publicly posted at: https://www.nphub.com/refunds-cancellations-policy ? Merchant Information Merchant: NP HUB LLC Address: 1372 Peachtree Street, Atlanta, GA 30309 ? Disputed Transactions • 10/11/2024 – $270.70 Case Number (D-21887236) • 10/15/2024 – $588.03 Case Number (D-21887232) • 10/22/2024 – $588.03 Case Number (D-21887237) • 10/29/2024 – $588.03 Case Number (D-21887235) Total Amount Disputed: $2,034.79 ? Summary of the Issue The charges above relate to a practicum placement service. The placement arranged by NP HUB LLC was formally rejected by my university, Chamberlain College, and therefore could not be used for academic credit. As a result, the service provided no value and was effectively not delivered. Upon learning this, I initiated cancellation discussions immediately, well within the applicable policy timeframe. NP HUB LLC confirmed cancellation and explicitly promised a full refund within 3–5 business days, but no refund was ever issued. After cancellation, the merchant ceased responding entirely. ? Timely Cancellation and Policy Compliance This redispute directly addresses prior determinations that cited failure to comply with the merchant’s terms. Email correspondence shows that: • Cancellation and refund discussions began before the expiration of the merchant’s stated 14-day period • NP HUB LLC engaged in those discussions and never asserted untimeliness • The transaction later displayed [BBB Scam Type: Online Purchase] [Business: NP HUB LLC] [Location: FL, USA- 3