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Emphasize the lack of transparency regarding the deposit reduction. If they initially agreed to a lower deposit and then reversed their decision, it's reasonable to dispute the charge.
Highlight the absence of a clear refund policy and how it was communicated to you. If they assured you of a refund in case of non-qualification and you didn't provide confidential documents due to privacy concerns, you have grounds for a full refund.
Document the communication regarding the application deletion before the stated deadline. If they prematurely terminated your application without giving you the agreed-upon time to consider, it supports your case for a refund.
Express your dissatisfaction with their customer service and compare it to your experiences with other agencies. You have the right to choose which services to engage with, and poor service can justify seeking a refund.
Privacy and security concerns are valid reasons to withhold confidential information. Emphasize that you were unwilling to compromise your personal information, and this should not disqualify you from a refund.
Compile all relevant email communications as evidence for your credit card dispute. Clearly outline your points, focusing on their breach of agreement, lack of transparency, premature application deletion, poor customer service, and your legitimate privacy concerns.
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