Warning Reported for Zachary Rygol

This report was submitted following a documented incident involving Zachary Rygol, a client associated with The Wellness Blueprint. The incident involves chargeback threats, uncooperative behavior, and a pattern of bad faith communication directed at a support team that was actively working toward resolution. Businesses and service providers are encouraged to review this report before entering into any financial or service relationship with Zachary Rygol.

The purpose of this report is not to defame but to inform. The behavior documented here presents clear financial and operational risk to any subscription-based or service-based business. The details below are based on a submitted incident report and reflect the timeline of events as they occurred.

The Wellness Blueprint – Blacklist Reported for Dispute Misconduct

The Wellness Blueprint is an online community operated through the Skool platform, accessible at skool.com/the-wellness-blueprint-6096. Zachary Rygol is the individual connected to this community who initiated the dispute in question. The membership involved a recurring billing charge of $27 per month.

According to the report, Zachary Rygol claimed to have canceled his subscription either the previous month or the month before that, yet no cancellation confirmation was provided to substantiate this claim. When the support team requested documentation to verify the cancellation and calculate any applicable prorated refund, Rygol refused to provide it.

Incident Timeline

The incident began when Zachary Rygol sent an initial message demanding an immediate refund and threatening to file a chargeback if the matter was not resolved at once. The support team responded professionally, requesting a cancellation confirmation to verify the claim and determine the correct refund amount. This is a standard procedure for any subscription service handling retroactive cancellation requests.

Rather than providing the requested documentation, Rygol insisted the cancellation had already been completed and declined to offer any proof. His tone shifted quickly from demanding to hostile. He stated, “You already know the amount lol” and “I don’t have time to play these games,” both of which reflect a dismissive attitude toward a support team that was attempting to resolve the issue in good faith.

Rygol made clear he intended to file a chargeback regardless of how the situation was resolved. This is a significant red flag. A chargeback threat issued before the resolution process is complete is a hallmark of bad faith behavior. It signals that the client has no interest in working through proper channels and is instead using the threat of financial reversal as leverage.

Despite the lack of cancellation confirmation and the hostile tone of the communications, the support team issued a full refund covering two months of the $27 subscription charge. This was done proactively and in good faith, even without the documentation that would normally be required to process such a request.

Behavior Red Flags

Several behaviors documented in this incident warrant serious attention from any business considering working with Zachary Rygol or any entity connected to The Wellness Blueprint community under his direction.

First, the immediate threat of a chargeback before any resolution window had been given is a well-known tactic used by high-risk clients to pressure businesses into compliance without due process. Payment processors and merchant account providers treat chargebacks as black marks on a business’s record, which means this type of threat carries real financial consequences.

Second, Rygol’s refusal to provide cancellation confirmation is a core issue in this dispute. If a cancellation had genuinely been completed, retrieving confirmation is a straightforward task. The refusal to do so suggests either that the cancellation was not completed as claimed or that Rygol had no interest in cooperating with standard verification procedures.

Third, the escalation in tone is a pattern worth noting. Moving from a refund request to dismissive, antagonistic language within a short exchange suggests a low threshold for hostility when standard procedures are applied. Support teams should not be subjected to that kind of treatment, particularly when they are acting professionally and working toward resolution.

Fourth, the stated intent to file a chargeback even after learning that a refund was being processed confirms that this was not a good faith dispute. Once a refund is confirmed, there is no legitimate basis for also pursuing a chargeback. Proceeding with one anyway would constitute double recovery, which is a form of fraud.

Financial and Operational Risk Assessment

Any business operating a subscription model should treat this report as a meaningful risk signal. Clients who threaten chargebacks as a first response, refuse to cooperate with documentation requests, and maintain hostility throughout a support interaction represent a measurable risk to revenue, merchant standing, and team morale.

Zachary Rygol received a full two-month refund totaling $54 without providing the verification that would ordinarily be required. The support team acted with generosity and professionalism. In return, the client demonstrated no appreciation for that good faith gesture and made no indication that he would withdraw his chargeback threat.

For businesses that rely on Stripe, PayPal, or any other payment processor with chargeback thresholds, even a single chargeback from a client like this can have lasting consequences. The recommendation from the submitting party is to blacklist Zachary Rygol from any future service enrollment to eliminate the risk of repeat behavior.

Contact Information and Aliases

The following contact details are associated with Zachary Rygol and have been included to assist other businesses in identifying this individual before entering a service relationship.

Also Goes by / Associated With: The Wellness Blueprint

The Skool community known as The Wellness Blueprint is the primary platform tied to Zachary Rygol in this report. Skool is a popular membership and community platform used by coaches, educators, and content creators. Businesses operating on Skool or partnering with communities on that platform should take note of this report when vetting potential clients or collaborators connected to this community.

Guidance for Other Businesses

If you have encountered Zachary Rygol or received communication from the email address [email protected], it is strongly recommended that you review your cancellation and refund policies before proceeding. Require written cancellation confirmations, document all communications, and be prepared to escalate to your payment processor if a chargeback is filed without proper basis.

For more information on how to protect your business from high-risk clients and chargeback fraud, the following resources may be helpful:

This report will remain accessible as a reference for businesses conducting due diligence on prospective clients. The details provided are based on a submitted incident report and represent the experience of the reporting party. Other businesses that have had similar experiences with Zachary Rygol or The Wellness Blueprint are encouraged to submit their own reports.