I have not been satasified with this site and I prefer another site since it seems a lot better in many ways ie cheat detection etc.

Yes sir. If you cancel within the first 30 days you get a complete refund.

I canceled it says i have like $84 credit. If not I am calling my personal banker at JP Morgan to take care of it plus a negative BBB filing. 

Not unless you cancel within 30 days.

Cferrel, please visit this link: http://support.chess.com/Tickets/Submit/RenderForm/5

 There will be a section specifically referring to refunds. Read it and see if you are eligible, then use the form to apply.

Sorry to hear you had a negative experience! Here's to hoping your time on the chess board goes better than your time on a chess website!