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Chargeback / bank dispute · Wants out of the contract

Rayon Chan P3873098

Money back via Text Direction not recorded not confirmed as a complaint yet
$3,500
nobody is holding this
Who are you? Pick your name so this desk can record that you read it and what you did.

What are you doing about it?

Calling them Today, on the number on file. Emailing them Replying in writing. Making an offer A reduction or a revised plan — record it below. Checking something first The account, the product, the contract. Not with the client yet. Passing it on It belongs with another team — hand it over below. Waiting on them The ball is with the client. Set a date to chase. Leaving it for now A deliberate decision to do nothing yet. Needs a reason and a date to look again. It is finished Nothing outstanding — close it below.

Pick your name above and these become clickable.

Rayon Chan
Rayon Chan
Maps A
Alex V
2026-05-07
2026-09-02
$3,500
$375
$3,500
18d ago
18d ago
Text
crm-note

What has happened so far

Rayon Chan complained on 2026-09-02 by text — 18 days ago. They signed for $3,500 and have paid $375, with no instalment plan started. Square has actually taken $475 — $100 more than the ledger shows. Nobody is holding it. Nobody has recorded reading it. Nothing on file says who spoke last.

  1. 2026-09-02 intake scan logged on the desk
  2. 2026-05-26 mike h Client issued CB for $350. CB disputed - payments stopped vm
  3. 2026-05-19 Raul Palacios Client email: Rayon Chan May 12, 2026, 1:00?PM (7 days ago) to Inquiries Hello Raul, Thank you for your response and for providing the outlined options. At this time, I am continuing to disp (in writing)
  4. 2026-05-14 Emmanuel R MAPS Studio: Your website and zCards have been sent out via email from production@mapsstudio.nyc. Please search “P3873098” in your email and spam search bar. (in writing)
  5. 2026-05-13 Kendrick P The client has been paying the account. This contract issue has been moved to settled.
  6. 2026-05-12 Raul Palacios Client email: Hello Raul, Thank you for your response and for providing the outlined options. At this time, I am continuing to dispute the charges and the agreement terms with my financial i
  7. 2026-05-12 Raul Palacios Client Name: Rayon Chan Model Name: Rayon Chan REF #:P3873098 Contract amount: $ 3500 Total Paid: $375 Date of Shoot:5/7/26 Settled Amount: N/A ******************** I emailed: Rayon Chan - P (in writing)
  8. 2026-05-12 Steph A called and left vm and text -------- Hello, This is Stephani from Maps studio, feel free to give me a call back at 954-866-3031 Thank you
  9. 2026-05-11 Ronnie K Client texted: New messages Hello, I acknowledge receipt of your message. Please be advised that this account and the related charges are currently being disputed with my financial instituti
  10. 2026-05-11 Ronnie K Maps Studio texted to Rayon: New messages Monday, May 11 Photo Studio You currently have an open and active finance plan with MAPS Studios. We show that your card has recently been removed f

5 earlier entries — the whole thread is under Evidence below.

Chargeback, Cancel contract, We offered
… be promptly updated, as requested. Since we do not include weight on any materials, we're unsure how this particular stat could be an issue for you. Regarding Goldman Sachs, we have no affiliation with them. They are an investment bank, so we're unsure how any correlation exists in this matter. We show you previously disputed a payment with your bank; they denied the dispute based on the agreement you signed and the services produced and delivered to you in accordance with the contract. At this time, Management's prior offer of a courtesy discount of $1,000 will be extended to you for a final period of 10 business days. If you deny this option and fail to submit payment moving forward, the full balance owed will be referred to a third-party agency for collection.

Evidence gathered 2026-09-19

How they pay

No instalments scheduled — finance has not started. $375 taken up front, $3,125 outstanding.

never
0 of 0 · $0
0
$375
$3,125
—
Square has taken $475 3 payments, 2026-04-29 to 2026-09-15 · 1 scheduled, not charged
The CRM shows $375 — Square is $100 HIGHER. Check before quoting a balance to this client.
Correspondence with the client 3 — emails and anything quoted back, in full
  • Raul Palacios 2026-05-19 15:54
    Client email: Rayon Chan May 12, 2026, 1:00?PM (7 days ago) to Inquiries Hello Raul, Thank you for your response and for providing the outlined options. At this time, I am continuing to dispute the charges and the agreement terms with my financial institution. My dispute concerns the circumstances surrounding the sales process, the representations made, and whether the services and deliverables provided were consistent with what was agreed upon and reasonably understood at the time of signing. I acknowledge receipt of your proposed settlement options; however, I am not accepting or agreeing to any revised payment arrangement at this time. ************************* I emailed: Inquiries Studio 3:54?PM (0 minutes ago) to Rayon Hello Rayon, Thank you for your email. Please note that the materials outlined in your service contract have been produced and delivered. For this reason, we are unable to cancel the order at this stage. We understand that we have not been able to reach a resolution at this time. If the scheduled payments are not brought current, the account may be referred to an external collections agency for further handling. Should that occur, you may discuss any questions regarding the agreement directly with them.
  • Emmanuel R 2026-05-14 16:17
    MAPS Studio: Your website and zCards have been sent out via email from production@mapsstudio.nyc. Please search “P3873098” in your email and spam search bar.
  • Raul Palacios 2026-05-12 11:25
    Client Name: Rayon Chan Model Name: Rayon Chan REF #:P3873098 Contract amount: $ 3500 Total Paid: $375 Date of Shoot:5/7/26 Settled Amount: N/A ******************** I emailed: Rayon Chan - P3873098 Inbox RAUL Inquiries Studio <inquiries@mapsstudio.nyc> 11:22?AM (0 minutes ago) to chanrayon081 Hello Rayon, Thank you for contacting us. I see that you texted us regarding a dispute with your financial institution and requested that all communication be provided in writing. Please note that you entered into a legally binding finance agreement with the studio, which includes clear terms and conditions regarding our no-cancellation policy. The studio has already incurred the costs associated with your $3,500.00 order. To summarize: Your images and Model Guide were sent to you on 5/8/2026. Your website and Z-card have already started production. However, Management is willing to offer a couple of options to assist you with your payments, allowing you to keep your materials while fulfilling your contractual obligations. Option 1: Receive your full package at a reduced price. Original Order: $3,500.00 Management Discount: $500.00 Payment Applied: $375.00 New Balance: $2,625.00 Monthly Payments: $145.83 for 18 months Option 2: Reduced package including digital images, a digital Z-card, and Model Guide. This option excludes the website and mentorship meeting. Total Amount: $3,500.00 Reduction Amount: $1,000.00 Payment Applied: $375.00 New Balance: $2,125.00 Monthly Payments: $118.06 for 18 months Please keep in mind that if we are notified of a chargeback, the options listed above will no longer be available. If you would like to accept one of these offers, please respond directly to this email, and I will update your account accordingly. Kind Regards, Raul. Date of Issue: Sales Sheet: Settled Amount:
Email AI

Nothing here is tagged as Email AI — and it would not be: no note in the CRM carries an AI marker, and there is no automated author among the 246 people who write notes. So this cannot yet tell you whether Email AI handled this client. The moment Email AI stamps what it writes (anything will do — an [AI] prefix), its messages appear here and every past thread re-sorts on the next gather.

Internal notes 11
  • mike h 2026-05-26 20:46
    Client issued CB for $350. CB disputed - payments stopped vm
  • Kendrick P 2026-05-13 12:23
    The client has been paying the account. This contract issue has been moved to settled.
  • Raul Palacios 2026-05-12 13:03
    Client email: Hello Raul, Thank you for your response and for providing the outlined options. At this time, I am continuing to dispute the charges and the agreement terms with my financial institution. My dispute concerns the circumstances surrounding the sales process, the representations made, and whether the services and deliverables provided were consistent with what was agreed upon and reasonably understood at the time of signing. I acknowledge receipt of your proposed settlement options; however, I am not accepting or agreeing to any revised payment arrangement at this time. Best Regards, Rayon (Ryan) Chan Case Manager | Investigator | MPH Crime Victim Assistance Program (CVAP) Auxiliary Police Officer | NYPD 106th Precinct Public Health Professional | Trauma-Informed Care PhD Applicant | Health Policy & Population Systems 917-651-8508 | Monday–Friday | 10:00 AM – 6:00 PM
  • Steph A 2026-05-12 09:29
    called and left vm and text -------- Hello, This is Stephani from Maps studio, feel free to give me a call back at 954-866-3031 Thank you
  • Ronnie K 2026-05-11 12:21
    Client texted: New messages Hello, I acknowledge receipt of your message. Please be advised that this account and the related charges are currently being disputed with my financial institution due to concerns regarding the services provided and the agreement process on May 07th. At this time, I am requesting that all communication regarding this matter be kept in writing while the investigation remains ongoing. I will not be updating any payment information until the dispute process has been completed and formally resolved. Thank you. 10:23 AM /// Forward to inquiries
  • Ronnie K 2026-05-11 09:18
    Maps Studio texted to Rayon: New messages Monday, May 11 Photo Studio You currently have an open and active finance plan with MAPS Studios. We show that your card has recently been removed from the billing system that was in place for your automatic payments. Please contact our Finance Department at 929-263-2159 to speak with a representative for assistance who can assist you in updating your payment information. **If your account has been resolved or paid in full, please disregard this notice** Should a valid payment method not be applied to the account and future installments begin to decline due to its removal, your account and its debt may be referred for external collections. MAPS Studio 8:50 AM /// Forward to Finance
  • Caet W 2026-05-11 08:50
    Client unlinked card - Txt + em client
  • Emmanuel R 2026-05-08 11:17
    MAPS Studio: Your images and model guide have been sent out via Email. Expect it in your inbox or spam folder within 20 min. Please search "WeTransfer" in your email.
  • Natalia Granado 2026-05-08 10:41
    Recurring set
  • Kevin W 2026-04-29 18:41
    6'0 No modeling exp, has been working in public and mental health for most of his adult life but his Brother models professionally and he feels like good looks always ran in his family. He is originally from the Carribeans. He would love to get into brand or print work, He needs portfolio. Knows Packages start at $399 and payment will be due on day. Kevin W - 05/04/2026 13:17 - Changed confirmed from No to Full
  • Kevin W 2026-04-29 11:15
    No Modeling

What happens next

  1. Read the evidence and decide the position Customer service
  2. Respond to the bank Customer service must be done to close
  3. Decide the outcome Management must be done to close
  4. Confirm with the client Customer service must be done to close

Who has had it

  • intake scan logged 2026-09-02

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