Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/11/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I only used 4 calls out of 20 past the buffer time for this company. I took many calls but only 4 that went past the 4 minute buffer time. The buffer time of 4 minutes drew me in. At the time I was starting as a life insurance agent and I was promised these would be hot leads who were double verified and were prepped to get a life insurance quote at the moment they would call you.Instead, I got an avalanche of confused, angry and irritated people who were rushed to me by multiple people who have thick accent and can barely speak English. These were not hot leads, they were people who didn't understand why they were in front of ***** first we could not even get the live transfers to hit my CRM for weeks, but they did fix that. Then I had told them that I could not take calls at certain hours, but instead I was just getting hit up by live transfers constantly throughout the day. I told them I had other calls and leads to call, but they never respected my hours of ************* I'm at a different agency that has a much better inbound call system already built in and making great money doing it.Since I only used 4 out of the 20 live transfers I purchased, I requested a partial refund for the other 16 I did not want to use. The owner assured me beforehand that this was a trial service. I sent emails about this with no ************** I got a call from All Web Referrals asking me if I was still looking for final expense leads, as if I were a new customer. I explained my situation again and asked for the partial refund again and was told "that is not how it works" and that it was my fault for trusting the company and not taking more of these trash calls.I'm writing this review to let people know to stay away, it's garbage. That's not how you build a reputation as a new company.I am writing this so that even if I don't get my money back, others don't give it and that the reputation of this shifty company is tarnished. With a refund, I'll consider removal.

  Business Response

  Date: 03/17/2025

  Hi *****,
  
  Please see the screenshot attached from your account, of the 6 calls you have approved 'based on buffer time' of over 4 minutes...
  
  3 are over 25 min talk time.
  
  One of those leads you must have closed? One has talk time over 1hr for eg.
  
  This is why we have a phone tracking system in place so we can report back transparently.
  
  Again you were NOT charged for any call whereby you hang up in under 4 minutes. 
  
  You also told us to send calls your way at any time (also attached).
  
  We keep everything in writing so we have proof. 
  
  We have Final Expense clients consistently closing 30% or higher.
  If you wish to speak to any of them reach out to us and we will connect you directly for their honest feedback.
  
  We deal with ****+ agents every year and on a daily/weekly basis ***+ and will gladly take feedback to improve!
  
  No lead system is perfect but ours is producing incredible results for sales agents/agency's that are strong closers!
  
  
  All the best,
  
  All Web Referrals Support Team
  

  Customer Answer

  Date: 03/18/2025

   
  Complaint: 23051180
  

  Since you have found it necessary to respond, I attached screenshots of my own throughout this journey.

  It took weeks to get the calls to even come in properly- very messy and amateurish process- but because of who I am, I put it on my own responsibility, that it was my fault that those transfers were not coming through. 

  I called my phone carrier to do a network reset, I used a secondary number, I took off wifi calling, reset my home internet, etc.

  But every call I received would ring a millisecond and then drop.

  A long time passed getting calls interrupting the day and I would answer and the call would immediately drop.

  I even set my phone to answer calls without clicking to see if I could catch the transfer! And I did, but it would still immediately drop.

  It turned out that none of what I did on my own volition (and what I was advised to do by ***) had anything do with anything, and you let me go down a rabbithole of effort and disappointment for something that was wrong on your side. That was frustrating.

  Nevertheless, I forgave all this because I thought there be something to this system of leads.

  Eventually I got onto these calls and they didn't drop anymore. But as I texted in the above screenshot, I discovered that nearly all of the leads I was speaking to were people rushed in, who thought they were getting a free program, or did not have any intent to get life insurance, or... in other words.... bad leads. Nothing I would pay for.

  The few I thought had potential and kept up the conversation with, most of them were dead ends as well.

  Those few I threw my shot at, I knew were still bad leads, but I thought if I didn't eventually try to close one, that basically every day on the dialer was just going to be c*** live transfers that I was rejecting. Why did I want a service where I reject 95 percent of the calls? Why would they be sending c*** like that for me to sift through? It felt like I'd have this first batch of "20 calls" forever because almost none of them passed the sniff test.

  I quickly found that regardless of any buffer time, the leads were a waste of time compared to the preset appointments I had set elsewhere with other lead providers.

  Yes, at first, I did say to send the transfers at any time "without discriminating." But then I adjusted the hours I wanted the calls (and I don't have those screenshots) but your employees didn't regard my change in hours and sent them at all times and it just became annoying knowing there was no opportunity in them anyway.

  So I stopped taking the calls because they were a waste of productive time.

  You can't blame it on my sales ability, because that month I signed up your service, I used other lead providers and sold over 15k in business my first two weeks in life insurance. Today, I am at an agency where on my first full month, I submitted just under 30k in premium and this second month I'm pacing for 40k. Those are the numbers people strive for in this industry. I have spent years as a top performer in sales environments, won trips, etc.

  So I can say with confidence: your company's leads are garbage. Period. 

  Any agent reading: stay away. *****. Use Rhino leads or find a Fiverr appointment setter. If you live in **, ** or TN I have an inbound leads agency I can refer you to.

  I wasn't going to write any of this until my simple request for a partial refund was denied. Yes it's my fault because I tried something new like I usually do; sometimes you find gems this way but sometimes you get screwed by a scammer company like this.

  That's okay because overall it is good to step outside one's shell and be an early adopter. Just not with this company.

  If it is six calls that went over buffer time, so be it, and that would leave 14, times $30, so $410 as a partial refund.

  They would rather I write a scathing review on BBB and as a ****** review than to respectfully hand over some of my money back for my terrible experience. I didn't ask for it all, just what I didn't use. It's not like it's a pizza lol; the calls are priced separately.

  Since I wrote a negative ****** review, there's now two more negative reviews under mine. I'm glad others get to see that.

  Hopefully the insurance agent reading this in the future, considering whether they should purchase a batch of All Web Referrals leads, will heed my review and avoid my expensive lesson.

  Business Response

  Date: 03/19/2025

  It is important you read that legal agreement you have signed, it clearly stated
  the 'All Sales are Final' clause regarding cash refunds.
  
  We can continue your live leads when it suits your schedule, non issue. 
  
  Please email support @ our domain name when you are ready.
  
  Keep in mind if your a newer agent, closing 1 / 10 is 10% close rate is very doable, and as you become a more experienced agent, closing 2 / 10 and then 3 / 10 , becomes easier with time and experience. 
  
  We can even supply you with an opening script for higher close rates if you would like. 
  
  All Web Referrals Support Team 

• Initial Complaint

  Date:02/10/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid them ****** and they stalled and stalled , promised quality leads, finally gave me a few very , very poor leads and wont answer or communicate at all if asked for money back, ** **** lied to me numerous times, I had to call from a number he did not recognize to speak with him. He is a liar and a thief. DO NOT TRUST THEM ..THEY WILL CHEAT YOU . THE LEADS ARE HORRIBLE AND THIS COMPANY USES STALL TACTICS TO KEEP YOUR MONEY, THEY HAVE NOT RESPONDED AFTER OVER 50 ATTEMPS TO CONTACT THEM.

  Customer Answer

  Date: 02/10/2025

   
  Complaint: 22921448
  
  

  They falsely blamed my skill as a salesperson, keep in mind that I have contacted them over a period of time and no response, not all at once, this was over many, many days . Also I have statistics from other vendors that show me ranked as #1 out of over 3600 agents with a 37% close rate.

     They made me wait for about a month before they were able to provide a platform for the calls, then they had service issues (according to them) . I waited for hours and hours the first few days , no calls, I had to contact them to complain, then they sent me a lead that had major medical issues and no money  .. keep in mind this was after hours of waiting.  I tried again and after hours of waiting they transferred a client from a state I don't have a license in. They then stated to me when I complained about the quality of leads that I am not the only one complaining and that they are working on it. After hours of waiting again I received sub par lead after sub par lead. One lead stated that he wasnt even thinking about this until they called and transferred him into me and stated he couldnt afford it , which tells me much about the intent of the leads. I would simply like a refund of my money. ** **** lied to me too many times. He promised to communicate and I never heard from him again until contacting you. 

  Sincerely, 

  **** ****** ************

   

  Business Response

  Date: 02/10/2025

  Dear Mr. ***********
  Thank you for reaching out to us via the BBB.
  We wanted to take a moment to clarify a few important details to ensure we can continue working together effectively.
  
  Our team is available Monday through Friday via live chat or email to assist you with any questions or concerns. For phone calls, we kindly ask that you schedule a time slot with Mr. ***** as this helps us manage our availability and provide you with the best possible service.
  
  We understand that communication is important, and we strive to respond as promptly as possible. However, repeatedly calling multiple times in a short period can be challenging for our team to manage effectively. In such cases, we may need to transition our communication to text-based channels (such as email or live chat) to ensure clarity and maintain a record of our discussions. Please rest assured, we value your partnership and have not taken any steps to block your number or purposely miss any of your calls. 
  
  When you joined us as a client, you were provided with a legal agreement that outlines our terms and conditions, including our response times and the policy that all sales are final. If you need a copy of this agreement for review, wed be happy to email it to you at your convenience.
  
  As a licensed agent, your role includes closing the leads we introduce to you. While we do not provide formal sales training, we are committed to connecting you with qualified prospects and offering a buffer time to help you succeed. We believe the leads we provide are among the most qualified in the industry, and were here to support you in maximizing these opportunities.
  
  If theres anything specific you feel doesnt align with your experience, wed welcome the opportunity to discuss it further and find a solution together.
  
  We also recognize that our teams availability can be limited during busy periods, such as open enrollment, and we sincerely apologize for any inconvenience this may have caused.
  
  Moving forward, we encourage you to reach out to us via live chat or email support @ our domain name, for any assistance or to continue with your leads.
  
  Were here to support your success and are committed to maintaining a productive partnership.
  Thank you for your understanding, and please dont hesitate to contact us if you have any further questions or need clarification.
  
  Best regards,
  All Web Referrals Support Team 

  Business Response

  Date: 02/19/2025

  Mr ******* if you can reach out to us via email, support @ our domain name, with your schedule and availability, so we can resume and make sure we connect you to awesome leads! Resolve your issues by getting you more clients.
  
  Our main goal with our clients is to make sure you are closing deals and renewing. 
  
  Thank you
  All Web Referrals Support Team 
  

  Business Response

  Date: 02/19/2025

  Mr ******* if you can reach out to us via email, support @ our domain name, with your schedule and availability, so we can resume and make sure we connect you to awesome leads! Resolve your issues by getting you more clients.
  
  Our main goal with our clients is to make sure you are closing deals and renewing. 
  
  Thank you
  All Web Referrals Support Team 
  

• Initial Complaint

  Date:10/22/2024

  Type:Product Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed on July 10, was supposed to be set up and initiaed within a week Have the setup have the platform, have access to the *************** they use Today is 10/22/2024. I have zero leads in. As in none. ZERO All I get is the runaround about cannot do a refund we will gwet you the leads you deserve. When in 2098?? Worst service ever Included payment receipt and can send anything else needed

  Customer Answer

  Date: 11/07/2024

  Consumer response to BBB asking if the business had contacted them outside of BBB platform:

  Yes he has a page that I paid him 1700.00

   

  I never argued that. I know I paid him $1700.00 FOR HIS SERVICE!

   

  The issue is he has done NOTHING

  NOTHING

   

  And it is now more than 4 months

   

  Customer Answer

  Date: 11/07/2024

  I tried to play nice really tried - and he here is once again promising me leads will start on Monday .that was not three days ago Monday, that was 10 days ago Monday

   

  Been trying again these last few weeks

  Business Response

  Date: 11/12/2024

  Hi *****, a team member will reach out to get your account set up and in good standing ASAP!
  
  Sorry for dropping the ball in getting your account active/leads delivered and we look forward to a positive review after you receive your leads!
  
  Thank you 
  All Web Referrals 

  Customer Answer

  Date: 11/12/2024

   
  Complaint: 22460036
  
  I am rejecting this response because: this is now 5 months in and there is not one lead, NOT ONE.  Just a bunch of broken promises, a slate of them

  NOT ONE lead 

  ZERO

  Need a full and complete refund 

  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 11/26/2024

  Hi *****, we are ready to deliver on the live leads, let us just coordinate a schedule that works well for you, so we don't have missed live calls! Please reach out to your *** on Monday so we can coordinate and begin ASAP. Again really sorry for any delays. 

  Customer Answer

  Date: 11/26/2024

   
  Complaint: 22460036
  
  I am rejecting this response because: I have heard thi ssame song and dance for months now. Time and time and time and time and time again.  This is 5 months later. ZERO leads. ZERO 
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 12/10/2024

  Hi *****, please reach out to our team via email, ******************************** and let us know your hours of operation, what mortgage program you want us to target for eg, reverse mortgages -- cash out etc, and we will begin. Have you expanded your licensing to any more states, any info that will help us target your leads for you. We see you have an open order and we will deliver your live leads. No issues. 

  
  Thank you
  All Web Referrals Team

  Customer Answer

  Date: 12/12/2024

   
  Complaint: 22460036
  
  I am rejecting this response because: Today is Dec 12 and still not anything --- one that was patched through that was horrible so hung up on as the agreement we had, never to pay or be charged for if you hang up on one without at least 4 minutes in.    That means I have ZERO --- thi shas been ongoing for months, still ZERO
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 12/18/2024

  Hi *****, next two weeks not good because of the Holidays, we are right now focused heavily on RM if you offer those and if not ,... please just let us know when we can begin on Jan 2nd. 
  
  Not sure what you intend on getting with the BBB as they have nothing to do with your availability of when you can receive our live leads.
  
  Once you receive some live leads then you can let us know the quality. 
  
  We have literally zero issues. You can see our BBB complaints old and yes we are human ball has been dropped before.
  
  Again lets focus on getting the leads to you after Jan 2nd unless you do RM we can start tomorrow.
  
  Email our support and lets focus on getting you deals ! Not complaining to the BBB .
  
  Thank you
  
  All Web Referrals Support Team  

  Customer Answer

  Date: 12/19/2024

   
  Complaint: 22460036
  
  I am rejecting this response because: Just give me a refund instead of wasting yet another money of zero leads. ZERO

  Stop wasting time and jerkogn me around

  A contract requires boith peraties to do their deed,.. You haeve not. It is December, that was July

  Is it almost half a year, and nothing

  I have been available 180 ot the last 180 days, every hour of every day. I have never taken a day off in 12 years. You know that was we have email and chats and talks about this for over 5 months

  Stop the game and just issue the refund for the obviopus zero leads in almost half a year

  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 01/13/2025

  Hi ***** ******, We are back from the Holidays and in full motion now. 
  
  Cash out and RM are going to be strong performers in ************************************************* even decrease.
  
  If you would like to receive your live leads, we need to know your schedule and availability so please reach out to our support @ our domain name email.
  
  We are ready to serve you! and help you close more deals! 
  
  Thank you
  All Web Referrals 
  

  Customer Answer

  Date: 01/15/2025

   
  Complaint: 22460036
  
  I am rejecting this response because: I have been available all day every day since July when I signed. I am available all day every now. They are all in receipt of my email, my phone, my text, my fax - they have had allof my numbers since July 2024.  There has been not one confirmed lead yet - why will it be different all of a sudden
  
  Sincerely,
  
  ***** ******

  Customer Answer

  Date: 01/20/2025

  Nothing anywhere about this return policy on any of the pages I signed up on

  *********************************************************

  *************************************************************

  *********************************************************

   

   

  Nothing on the payments page I paid on 

  But there cancel anytime and satisfaction guarantees written all over everything on the promos and the ads and the sign *** and subscriptions

• Initial Complaint

  Date:10/26/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid $xxx for leads on 08/15 and the call center reps were saying things I did not agree to once I got my first call transfer a week or so later. I stopped taking the calls until that was fixed and I was comfortable with how they were representing my service. I asked to be turned back on 08/31 and since then, they have only sent me 1 lead total. They refuse to give me back my money and now they are not replying to me. When they did reply to me in the past about me not getting leads and requesting a refund, they would just show me their return policy form that said no refunds! But they are not supplying me with anything and I just want buyers to beware! It's a shame I have to make a complaint about this, but this is the truth and I have text messages to prove it!

  Business Response

  Date: 11/20/2023

  We do not have a client with this email on file. Please delete this complaint as we cant locate any clients with such email. Thank you!

  Customer Answer

  Date: 12/01/2023

  Here is proof, I paid them in Aug and NEVER got ANYTHING BACK and they haven't even responded to me since Oct.  See attachments.

   

  My emails they could have are either:

   

  **********************

  **************************

  **********************************

  Business Response

  Date: 12/04/2023

  To whom it may concern,

  We are in the process of solving this concern and we appreciate your patience as we resolve this matter!
  
  Sincerely,
  The All Web Referrals Team

  Customer Answer

  Date: 12/12/2023

  They have NOT communicated to me and they are not being truthful to you.

   

  They need to show you proof they helped me and I need to rescind, which I will NOT and there is no proof that they helped me.

   

  They have scammed me for $750.00

  Business Response

  Date: 12/14/2023

  Hi ****,
  
  Are you licensed for final expense life insurance? Or only annuities? 
  
  We have the capacity to switch to get your order done in a few days!
  
  
  Thank you, 
  All Web Referrals Team 

  Customer Answer

  Date: 12/18/2023

   
  Complaint: 20787359
  
  I am rejecting this response because:   No I will not agree to their bait and switch.   They promised me annuities.   They never delivered and they need to do the right thing and give me back my money.  Not try to sell me something else!
  
  Please advise.  This is not a way to do business and they conned me!  And they could care less about refunding me.   They scammed me and I hope the BBB helps me.   *** responded enough to their circles they are doing with us.  Please help me!  
  
  Sincerely,
  
  *************************

  Business Response

  Date: 12/18/2023

  We are able to deliver live call transfers for final expense insurance this week if the client agrees.
  
  Please let us know.
  
  
  
  Thank you,
  
  All Web Referrals Team 
  

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 12/19/2023

   
  Complaint: 20787359
  
  I am rejecting this response because: I never agreed to Final Expense!   I agreed and was sold for Annuity leads.    And now you are attempting to switch up what is being offered to me.   This is called a Bait and Switch.

  Please answer the question and advise if you are willing to refund me my $750?

  
  Sincerely,
  
  *************************

  Business Response

  Date: 12/19/2023

  Hi BBB, we have already mentioned to the licensed life/annuity insurance agent (not a consumer / he's a licensed BROKER we only deal b2b!)
  
  that we do NOT issue cash refunds. All sales Final! 
  
  We can however exchange his leads for life insurance live calls (final expense). He is licensed to do life insurance. 
  
  ************************* does FE life insurance here is the link taken from his website:
  
  ************************************************
  
  He does not want us to fulfill his order for unknown reasons at this point. 
  
  
  Thank you
  All Web Referrals Team
  
  
  

• Initial Complaint

  Date:10/18/2023

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  AllWebReferrals claims they could send me LIVE TRANSFERS for life insurance leads. We explicitly agreed that these would be regular life insurance leads - not Final Expense policy leads. Nevertheless, they have failed to deliver any leads, let alone the type that I ordered and paid for over 1 month ago - and *********************** promised they could deliver - and they have delivered nothing!When they said I could only pay via ZELLE, and not credit card, should have been a warning.I paid $550 on Sept 12th, and have received nothing as of today October 18th. This company is a pure scam. Now they are completely ghosting me, not returning my calls or emails.Below is one of his emails for reference that was sent to me on Sept 19th, and I uploaded an additional email string for you to review. This is from Sept 19 "Guys are asking if you do FE (final expense) bc so much easier but i think the issue is travelling either today/tomorrow so throwing off the call center / sorry for the delays. We will deliver no matter what just needs a little bit more time. "Today is October 18 - and no leads/phone calls have been delivered

  Business Response

  Date: 10/24/2023

  
  To whom it may concern, We are in the process of solving this concern and we appreciate your patience as we resolve this matter!
  
  Sincerely,
  The All Web Referrals Team

   

  
  

  Customer Answer

  Date: 11/01/2023

  This matter has still not been resolved.

  The company refuses to refund me for a marketing campaign that I paid for 2 months ago that they have yet to fulfill.

  Furthermore, since filing this complaint, they claim that they do not offer refunds. Instead of a simple refund, which I have continually asked for, they continue to make a promise that they will deliver on what they sold me - but since their last email to me on Oct 19th, asserting that they will fulfill their obligation & promise... I still have not seen anything.

  The fact of matter is that 64 days ago (August 29th, 2023),  I prepaid $550 for a marketing campaign to the company to deliver me 10 "Live Transfers" of consumers interested in *************** To date they have delivered nothing but excuses and lies. This vendor is a complete scam, and every consumer should be made aware of their reputation before doing any business with them.

   

  Business Response

  Date: 11/06/2023

  All Web Referrals is working on *********************** life insurance live leads order and we will update the client accordingly. 
  
  

  Customer Answer

  Date: 11/07/2023

   
  Complaint: 20745891
  
  I am rejecting this response because:  *********************** @ AllWebReferrals has been telling me that "they're working it" for the last 70 days. this campaign should have been set and completed inside of 10 days from the time I paid. And here we are, 70 days later - and still nothing. Until the company either fulfills their obligation or refunds me $550,  I will continue to view them as a complete SCAM operation and a thief. Add to that, I have emailed *********************** 2 times since October 31st, and as usual... I have NOT heard back. They clearly have no intention living up to what they were paid to do.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 11/13/2023

  Hi BBB, we have proof that the client had put the campaign on Hold/paused. Multiple times over a short period of time. 
  
  Most of our leads for life insurance fall under the umbrella of final expense at the moment, one reason why it's taking longer to fulfill the clients order as well. 
  
  We will be delivering leads ASAP! 
  
  Thank you for your patience and we will make sure Client is satisfied with the leads! 
  
  All Web Referrals Support Team
  

  Customer Answer

  Date: 11/29/2023

  Please do NOT close this case as it definitely has NOT been resolved.  Company has still not delivered anything to me as of today Nov 29.

  Business Response

  Date: 12/12/2023

  Hi *****, we can deliver life insurance live calls for final expense insurance.
  
  Please let us know if we can resume services! 

  
  Thank you very much, 
  
  All Web Referrals Team

  Customer Answer

  Date: 12/13/2023

   
  Complaint: 20745891
  
  I am rejecting this response because: I did NOT order or pay for Final Expense Leads/Transfers, which is what they now tell you is what they can deliver to me. I explicitly ordered and paid for ************** Live Transfers - NOT Final Expense.  Since the vendor is essentially admitting that they cannot deliver what I ordered and paid for 106 days ago... yes for 106 days ago the vendor was paid.. and they have delivered me absolutely nothing!  This could all go away very quickly, quietly, and easily if they would simply refund me my $550 since they clearly sold me something that have neither the desire or ability to deliver on.

  Please advise ASAP...
  

  Sincerely,
  
  ***********************

  Business Response

  Date: 12/14/2023

  Hi *****,
  
  Our terms and conditions state clearly; All sales are final and there are no cash refunds. 
  
  As a licensed life insurance agent you are able to receive final expense calls. Please let us know when you are ready to resume and we will continue.
  
  
  Thank you,
  
  All Web Referrals Team
  

  Customer Answer

  Date: 12/22/2023

  The vendors response saying that I am a licensed insurance agent and can take Final Expense calls/leads is absolutely true! That does not negate the very fact that *********************** explicitly told me and Sold me on the fact that he could provide LIFE INSURANCE HOT TRANSFERS...and explicitly NOT Final Expense.  This is further proof that *********************** and AllWebReferrals is a complete scam! He is a LIAR and a Fraud. If I need to post all our email exchanges here for all to see, whereby he says that he will in fact deliver what I paid for...it'll just take some time. That was over 3 months ago! I don't care what his Term & Conditions say regarding no refunds... He sold me on false pretenses and claimed to able to deliver something that he clearly cannot do! That very fact negates any Terms & Conditions. I absolutely will NOT STOP complaining about this until 1 of two things happens:

  1) deliver what you were paid for and promised you could deliver

  2) take your Terms & conditions regarding refunds and throw them in garbage and send me back my $550

  Until either one of these happens... this is COMPLAINT IS NEVER GOING AWAY! Never!  As a so called "business person", that fact ***************** is won't admit that he can't deliver on what he sold me, and refuses to refund me, means that by very definition he is a liar, a fraud, a scammer.... all over a lousy $550.

  This case IS NOT CLOSED!

• Initial Complaint

  Date:05/16/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  *********************** of all web referrals seems to pull the same scam over and over . He collects ******* for internet leads in real time and delivers nothing to anyone. he claims 300 is a front fee for him and the rest goes to leads that you never get. I have reach out to the attorney generals office and credit card company and will pursue him until he pays the money back he stole. I will also be going on other sites to warn of his behavior so other people to not get burned . I HAVE UPLOADED SOME OF THE ***** THREADS BUT HAVE MORE I CAN SHARE PLUS TEXTS

  Business Response

  Date: 07/11/2023

  We have terminated our agreement with:
  ******* ******************* (*******************) NMLS id *******.
  Company: Mortgage & Insurance Solutions inc.  
  NMLS id # *******.
  Corporate address: *********************************************************************************
  PH ************
  FX ************
  email  *******************
  email  **********************
  ************************************************************************
  *********************************************************************