The majority of the story is missing here. I am condensing an entire situation. Are you talking about the part where I did something wrong? Because that part doesn't exist. I am fighting for $400 & the principle. They want me to just give up & pay it & I don't owe it & they are holding more than the $400. I saw that others had issues with CHR & I was curious if any one else had dealt with something like this because myself & my group had not.