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:01/16/2025

  Type:Product Issues
  Status:

  UnansweredMore 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.

  ************ is a den of thieves ************ is a den of thieves, look into all the money they have stolen on BBB. They have gotten so good at stealing people money that the programs they are selling are not worth the money you paid for it. I dare not ask how much was spent for these 5-star reviews?? They don't care enough that the programs don't work as advertised and after people invest in the program it seems the money was just given away!!! 2000 for me. My story: Of course I would put 0 stars. I'm wondering how many reviews before something is done with these people taking people money!!!! I got pressured by ***** ***** on purchasing a course, He thoroughly took advantage with empty promises and the notion that he cared??? I cannot believe that in spite of him knowing I was dealing with a tragedy of my husband getting hurt with a *** he promised I would make money with the broker certification program for 4997 and Cante kept insisting I could get the rest of the money from copper rock. I signed on 11/30/24 and sent a cancelation on 12/2/24 within the 3 days. He continued to call me trying to offer something else, I never withdrew my cancelation. I guess because I continued to talk to him meant my cancelation was voided??? Had I have known that I would have continued to ignore the calls, I was not worried because I knew I had cancelled. *** says he is Christian? I don't think so there is no honor in robing people. Apparently, there are issues with these products they don't measure up to really do what it was bought for or marked to do, so give people their money!!!! *** don't pretend not to see these complaints, if it is in you do what's right! This will catch up to you especially you Cante!!!! Please stop these vultures from taking advantage of people, I kept telling him he was stressing me out, I went ahead because I knew I would cancel!!!! Please investigate these people. Everyone should do Trust Pilot and ****** review as well!!

• Initial Complaint

  Date:11/18/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  We purchased the training to become a broker after heavy sales calls. We were told we can make a living by brokering the loans for them. Unfortunately, whatever promises they made in the training didn't apply to reality. We have spent additional $3k in leads and ads to get customers to tunnel them to Cogo, just to get a sticker shock and the illegal rates they were giving to our customers. We've had 4 different loans and none of them went through once the customers were given quotes or the numbers at closing were off by 100K. This is ludicrous! They said rates could be as low as 6-8%, yet every single quote was 15% plus their points and broker points. How is this legal? Nothing like they promised in the training. **** were never available when needed and had bad attitude when were. They said the app. fee included DNA report to see the value of the property before the client went in too deep. That was a lie, they were paid and never run it. Then we were told that was not true. Yet I recorded all the videos and have proof it was. Never delivered on any promises they made in the course and we spent even more money to get those customers they were with going to rip off with illegal rates or turn away and waste my time and money. The lean on religion to appear like they are trustworthy, but it is nothing more than a SCAM! I was nearly forced to buy more training for another 20k, but refused it and their attitude changed in a split second once they realize they are not getting any more of my money. They are not there to sell loans, they are making money off of fools like me, promising side income or a home business. They should be reported to *** for being a scheme! I want a full refund. They didn't deliver what promised and didn't even try to close one loan out of so many leads we gave them. The process was nothing like explained in the training. Stay Away! I will make sure to spread this on social. This is not right and they should pay for ripping people off!!!

• Initial Complaint

  Date:09/18/2024

  Type:Product Issues
  Status:

  UnansweredMore 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.

  This company held a 3-day masterclass on creative real estate. Throughout the 3 days, they were continually pressing people to speak to their Business Consultant. So I spoke to the consultant and he quickly told me to sign up for their coaching program of which he charged $7,000. I made it very clear I want a coach to guide me on owner financing deals. He put me with a coach, but this coach was talking about wholesaling and fix n flip which I was not interested in. I contacted the coach and told him I want to get out of this coaching as its not what I was looking for. He put me with another coach, but that coach too was not a specialist in owner-financing, so I called Business consultant that this is not what I want. The business didn't want to give me my money back nor did he give me a credit that I can use on their other programs. Up to now they are holding my $7,000 and not giving me any value. One of their **** called me today, and spoke very rudely to me and when I started to speak, he hung up on me. It was a big dissappointment

• Initial Complaint

  Date:05/21/2024

  Type:Sales and Advertising Issues
  Status:

  UnansweredMore 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 up for training being assured by the sales person that it would be closed captioned. I'm neurodivergent and have auditory differences as a result. I was not given access to the training on the first day and half of the second (a three day zoom meeting). The second day was pretty much spent listening to screaming, watching bad math and being insulted. None of the recordings have closed captions so it would be impossible to benefit from the course, this was explained to the salesman, I was assured I would have closed captions and had to fight for login information - a fact that the presenter joked about during the zoom . No contact was made by the company to honor my request for a refund.

• Initial Complaint

  Date:02/19/2024

  Type:Billing 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.

  Back on November 9, 2023, I watched "Funding Tour" by the *** Arnold System by Wolf Family.Then a Senior Personal Consultant called to convince me to invest with Ultimate Package of $9,997 He promised me I could get the "Free Funding" from ******************* with hand-on training to be successful in real estate investing. This was a big amount for me, so I split the payment of $5,000 with **** of America, and $4,997 with ***************** (Detailed is in the Attachement Claim to Amex.)The next day, a loan company associated with *** Arnold System called to offer me funding, but not for free as they promised. They charged for $400 per year membership with limited funds and no guarantee with any funding. Then I started to search more about *** Arnold System and found out many terrible complaints about losing their money with the company in Better Business Bureau Websites. I was frightened and so scared of the way they do their business. I called to cancel the program and get my refund. But they refused! I did not finish the Broker Certificate Program or take their tests. I do not want to get involved with *** Arnold System or deal with any of their 10+ associate companies!!! Thank God, when I called my **** of America to file the claim with *** Arnold System, they were able to charge back my money. Unfortunately, the dispute claims $4,997 with **************** with detailed documents take 4-5 months still has no satisfactory result yet. Since I do not want to get any training or services from *** Arnold System, why do I have to pay ? *** Arnold System is misleading people to invest in their company with empty promises and no guarantee results, with rules that no one can do even themselves. It's not a Fair Practice in doing business. It's like Free Money for them. How can I do business with a company that I cannot be trusted? Please help me to get my refund!!!

  Business Response

  Date: 02/20/2024

  We are sorry you have misconstrued our programs. We do not have any record of any investments by you in November of 2023 as you reported in your complaint.  We do not show any investment for $400 with our company for membership.  We do show you invested in the Ultimate Broker and Wholesaler package on September 7, 2023, for $9,517.00.
  
  We do not offer Free Funding and ***************** as you described and recorded calls with you show those terms were never used.  The program in which you invested does not include special ************ Lending Benefits, offered to students who take and successfully complete our higher-level Master Level courses. This was explained to you in a recorded compliance call conducted at the point of sale.  You verbally agreed (and signed and initialed three separate Fulfilment Training Agreements) to the following:

  Do you agree that no additional products or services, other than those just designated, were promised to you by Lee Arnold System of Real Estate Investing or its representatives, including additional coaching or mentorship or additional leads and opportunities, and that no income, earnings, or profit guarantees were made to you as result of this investment?
  
  You also agreed, prior to your investment that you understood *** Arnold System three-day return policy:

  Please understand that you may cancel this sale up until midnight of the third business day from enrollment,which begins today 09/07/2023. After the third business day all sales are final and there is a no refund policy in place.
  
  We have a longstanding 3-day return policy because of the many sunk costs incurred at the point of investment.  That is why you were informed of that policy in a recorded compliance call, signed Fulfillment Training Agreements, and within the purchase invoices sent to you.  Despite the clear policy, you requested a return of your investment outside the stated return period. Because you did not receive a return, you filed a chargeback with your credit card company and subsequently, presented with your signed agreements, the company reversed the chargeback in our favor.
  
  We want to reiterate that *** Arnold System, ************ and *********************** all have A+ ratings with the Better Business Bureau and have resolved or answered any complaints submitted.
  
  *** Arnold System is ready and willing to fulfill your contracted investment and provide you with the excellent course, services and products included in our top-selling Ultimate Broker and Wholesaler Package. Your package has been an avenue of success to so many clients, including those who receive full tuition reimbursement for completing successful real estate deals. We sincerely hope you take full advantage of this program and achieve return of your investment by completing successful real estate deals.
  
  Please call our ************************* today to begin the fulfillment of your investment **************

  Customer Answer

  Date: 02/26/2024

   
  Complaint: 21316975
  
  I am rejecting this response because: Since *** Arnold System does not guarantee any result, profit, or income from our investments,

  there is no reason to waste more time, and bet more money into this system which is strategically designed to **** the money out of our

  bank accounts all along the procedure of investing into their systems.

  
  Sincerely,
  
  ***** Light

  Customer Answer

  Date: 02/27/2024

  Hello,

  Since the *** Arnold System will not refund my money, maybe you do not need to send my response to them.

   I don't want anything to do with them anymore.  I  want to warn honest investors to beware not to fall into this deceitful system and lose all their money. 

  Thank you!

• Initial Complaint

  Date:01/28/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  1/6/24 - I spoke with ************************* regarding *** Arnold's ReverseREO system. We spoke for about 15 minutes. I asked **** several questions before I purchased. One of the questions was if $897 was the full purchase price. Was there anything else I needed to purchase. He said the only thing I had to pay for was the cost to mail marketing pieces to potential real estate sellers. I asked him if the ReverseREO system included the ***** software and he said yes. I told him that I had no income coming in and I was using my credit cards to live on. I told him I wanted to make sure that there was no additional costs other than the $897 plus the cost of mailing the marketing pieces. He said he there were no other costs other than those. I said ok. Let me think about it over the weekend and I'll get back to you. 1/9/2024 - ***** called. I told him I was concerned about not having time to work on the RecerseREO program. He said that as long as I worked on the program two hours per day, I should be fine. I decided to purchased *** Arnold's ReverseREO system for $897. The live class was scheduled for 1/22/24, 1/23/24, 1/24/24 via Zoom.1/22/24 - I attended the first day of the ReverseREO training that went from 10am CST to 7pm CST. About midway through the training we were supposed to contact our customer success rep. I was assigned ********************* who has been with the company for 10 years. His job was to sell me and the other students the higher packages that were as expensive as $32,000. He also said that if I wanted the ***** software I was going to have to pay an additional $2,497 and was not included in the $897 price I paid. I told him that's not what ***** said. He said he would have ******************* me.1/23/24 - ***** called me and apologized for any confusion. He said if i wanted ***** I needed to pay the $2,497. I said I wanted a refund of my $897. He said he would see what he could do and get back to me the next day.1/26/27 - No response from *****. I left a voicemail.

  Customer Answer

  Date: 02/16/2024

  Hello. Thank you for your response. I understand that The *** Arnold Systems company did not respond to you regarding my complaint and you now consider this complaint closed. They have not responded or communicated with me either. 
  

  Question, since this complaint is now considered closed by BBB, may I provide a rating of this company on the BBB website?

  Thank you,

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

   

  Business Response

  Date: 02/16/2024

  We have reviewed your recorded calls and we apologize for any misconception about the inclusion of Dealio.pro in your order. We send itemized invoices at the point of sale to reiterate the contents of your order.  Unfortunately, we are not able to provide your desired settlement on this BBB complaint because you instructed your card company to issue a chargeback and thus, we received no payment for your investment. We ask that you indicate this complaint is settled because,since we received no payment, a refund is unavailable. 

  Customer Answer

  Date: 02/16/2024

   
  Complaint: 21212907
  
  I am rejecting this response because:

  I will accept the *** Arnold System company response if they agree not to charge me back the $897 that I did a chargeback on and also not charge me any other charges. 
  

  Moreover, I would like to know why they didnt respond to my emails and voicemails. I considered their program because they are Christians. It disheartens me when I see Christians not being ******-like. I am not questioning whether you are Christians or not. Only God can discern the heart.
  

  My advice to the *** Arnold Company, please take a look at your one star reviews on TrustPilot and you will see numerous people complaining about the same thing that I have experienced with you. Some are senior citizens and have trusted you with their life savings. Please help them by showing the love and compassion of ****** and doing the right thing by them. God bless. 
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 02/19/2024

  We will not again charge your card regardless of the outcome of your chargeback. If the chargeback is decided in our favor, we will immediately refund your payment. We are dedicated to ensuring your investment is returned regardless of the pathway.  We hope you will consider investing in our education system at a future time that will work better for you. 

  Customer Answer

  Date: 02/19/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:11/26/2023

  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.

  According to the company's terms for refund, I was within my **************************************************************** a software confusion through a sales pitch.Sorry for my english.Paragraph 4.4 DealioEND USER LICENSE AGREEMENT further more, there were 3 different names for the same product as readable on invoice.AI Lead Hacker, Realflow software from end user agreement and Dealio.pro member access ?Another point, with all respect to businesses, finding out that the actual name, ********** Arnold being said connected to "god" and blessing people before talking business, just find it funny. Goes well with the expression on the ** dollar : In god we trust. Heard so, many times. It's all yours ******** people.I could ask for a lot more for my dammages taking time to file this complaint like lawyers do for their minutes but, I give myself the rights for reserves.

  Business Response

  Date: 12/13/2023

  You invested in the ** Lead Hacker product by Dealio.pro software on October 18 2023.  Verbally at point of sale and in the invoice emailed to you, you were informed of the following return policy:
  

  Except as set forth below, in order to be entitled to a refund LAS must receive your request within three (3) days of your original transaction date. That request must be in writing to **************************************.
  Any portion of your purchase attributable to loan application fees, V.I.P. ticket purchases, or software products (including, but not limited to, SendFuse, GeoBrander, and/or Dealio.pro) is strictly non-refundable and not subject to the 3 day return policy.All sales of these product types are final upon payment and non-refundable.

  
  PURCHASES OF Dealio.Pro By making a purchase of Dealio.pro you are agreeing to order Dealio.pro on an ongoing subscription basis. This order is a binding commitment to make applicable initial payment and annual subscription payments according to the Dealio.pro end-user license agreement (Dealio.pro ****) available here:***********************. Purchases of Dealio.Pro are nonrefundable.Annual subscription renewal cost is currently $997, which is subject to change per the terms of the Dealio.pro ****.
  
  On November 10, 2023 you requested a refund outside of the communicated refund terms and no refund was issued.
  

  We are happy to continue to fulfill your investment in ** Lead Hacker by Dealio.pro software, or as you mention in an email, fulfill you with SendFuse software product instead. Please contact our ************************* for continued fulfillment or changes in your investment ************

  
  

  Customer Answer

  Date: 12/13/2023

  First, this part of the message got my attention except, sorry for my french for this part :
  * or as you mention in an email, fulfill you with SendFuse software product instead.
  Please contact our ************************* for continued fulfillment or changes in your investment ************
  I won't be contacting any one on the phone provided, why ?
  Sometimes I don't understand when I'm spoken to over the phone
  when the other partie doesn't speak clearly for their purpose
  and I know the intentions behind the behaviour.
  
  If I understood here, Sendfuse software should be available to me ?!
  Since I got confused by the salespitch you guys won't agree with
  and 3 days refund / no refund policy aspecially making sur we, the
  costumer won't have time to react properly with a lot of information
  to process in this so short time.
  
  No further comment.

  Business Response

  Date: 12/14/2023

  Again, we are happy to continue to fulfill your investment in AI Lead Hacker by Dealio.pro software, or as you mention in an email, fulfill you with SendFuse software product instead. Please contact our ************************* for continued fulfillment or changes in your investment ************

  
  

  Customer Answer

  Date: 12/14/2023

  What are the business hours ( time zone ? ) at this number ************ and voicemail or real humans who
  may have to understand french as terms may confuse me through change to SendFuse software ?
  I'm in eastern time zone .
  
  

  Business Response

  Date: 12/15/2023

  Q: What are the business hours ( time zone ? ) at this number ************ and voicemail or real humans who may have to understand French as terms may confuse me through change to SendFuse software ?
  I'm in eastern time zone .

  A: Please feel free to call me, ***********************, Director of Client Success, at ************. I had some high school French, and may be able to help. Our office hours are 10:00 am to 10:00pm Eastern time, Monday to Friday and 11:00 am to 8:00pm  Eastern time on Saturdays.  I work 11:30am to 8:30pm Eastern time, Monday to Friday.

  Merci Beaucoup.  Jai hte de vous parler.

  Customer Answer

  Date: 12/18/2023

  Hay ! Bonjour ************ !

  Find it funny and o.k. d'crire en Franais chez les amricains !

  Merci pour les heures. Des difficults techniques m'oblige vous appeler d'ici quelques-jours.

  Saluez l'quipe pour nous.

  All the best,

  *******

• Initial Complaint

  Date:11/22/2023

  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.

  I made a partial payment of $3000 out of $17,000 with my credit card and I was going to pay the balance with cash by bank wiring. The payment was for Lees inner circle membership with real estate education session scheduled for 12/13/2023 - 12/15/2023. As soon as I made a payment, I went online to check the reviews of the program and read multiple reviews that were absolutely horrible. I lost my trust in the educational program I purchased and I have not accessed any of the online links/accounts for their educational materials that they sent via email. I requested a full refund on the same day of initial payment via email and even a phone call with a sales representative because they demanded to verbally confirm the refund request on business day 3 after payment was made. They have not cancelled my credit card transaction. And they have not sent me an email saying they will cancel the transaction or process the refund request.

  Business Response

  Date: 12/13/2023

  On November 28, 2023, you were refunded the full $3000.00 charged on November 17, 2023 to the card used to make your investment. You requested your a return on Saturday November 18, 2023 and in line with our requirements you were refunded in less than the statutory 10 days.

  We are sorry you denied yourself the opportunities provided by our real estate education programs due to a few negative reviews online. We have thousands of happy and successful clients and the largest depositories of customer review available on our companies is Trustpilot.com, in which 81% of our **** reviews are a full five stars, and we are rated "Excellent."  The Better Business Bureau rates us as "A+" as well.

  Please respond to the Better Business Bureau letting them know that your request for a refund was granted and your desired outcome, expressed in this complaint,  was achieved. 

• Initial Complaint

  Date:10/27/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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 up for Dealio Pro and Certified Broker Course. Was told ****** could produce all kinds of leads, sellers and cash borrowers. It really doesnt! Once I get in there I find out you have to pay additional funds to contact those so called leads. For ***** you would think that should cover it. Now I am requesting a refund for Dealio and it is impossible to get in touch with someone I am also hoping to get the $997 back as well. I dont plan on attending the Broker training. This company supposedly prides itself on being a ********************** but in reality it is selling education programs and really dont care if you succeed or not. Keep throwing higher packages on your before you really have a chance to get started. My request is to get the full refund back for Dealio Pro and certified broker course and for someone to reply to my emails.

• Initial Complaint

  Date:02/07/2023

  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.

  On Dec 10, 2022, I signed up for the "Ultimate Package" by paying, $9,997. I agreed to pay half - $4,998 - on the same day and the rest a month later. The main reason I signed up for the Ultimate Package was because of the PROMISES of the Wolf Family. During the orientation, the husband and the wife promised that if anyone signed up for the Ultimate Package, they would hold their hands and help them - even as far as making a phone call to the sellers on behalf of the students. In the last two months, I only got to talk to the Wolf family one time.Part of the agreement was to take 3 different courses. I completed the first course and became a Certified Private Money Broker. This means that the broker gets a customer and works with their own financial company called, *************** As soon as I completed the course, I decided to market heavily on social media and LinkedIn by paying money and found a couple of customers interested in getting a loan. I was very excited and started contacting the person I was assigned to work with at the moment his name is *****. I called and texted him but no response at all. Then, I decided to contact ************ by going to their website and sending a couple of emails, but no response at all. A few days later or 20 days after making the first payment, I received an urgent text from ****. I called him and asked him what the urgent text was all about. **** asked me to pay the rest of the money that day even though I still had another 10 days. During the conversation, I mentioned to **** what had happened to those two customers and why I couldn't get hold of anyone to help me. The only thing **** offered me was to pay the rest of the money and move on; with no apology whatsoever. The company promised to resolve my issues during the Jan 19, 2023 meetings but I havent received any resolution yet. Right now, I can't even use any of the software I paid thousands of dollars for. I'm kindly asking for help.Thank you.

  Business Response

  Date: 02/16/2023

  We are sorry you are disappointed in the education program, Ultimate Broker and Wholesaling Package, in which you made a partial investment. We are unable to refund your payment for the program as requested because you initiated a payment charge back with your payment card provider for your $4998.50 payment and as result, we have no remaining payment for this product that can be returned to you.  Your Desired Outcome of this complaint cannot be provided because of your actions.

  
  Our records show you have been provided the following from from this program: Independent Private Money Broker Certification (which you attended,) The Hands-Off Wholesaler Certification (provided electronically) SendFuse and Dealio.pro (software program in which you are registered) the Deals of the Distance Program and Consultation (which was fulfilled over the phone) and you had reserved a seat at the Cash Flow Certification Program but have not attend. $8500 of your $9997 package has been completely fulfilled but due to your payment card chargeback, you have provided no payment, leaving at least $8500 owing unpaid.

  
  One component of the package Deals at a Distance Home Action System + 60 Min Business Launch Session was described in detail in a recorded Compliance Call as:

  
  This course can help you make big money in any state by teaching you powerful virtual investing methods.Kickstart your investing journey with a live 60-minute call with ********************* to effectively strategize your business launch

  
  This program was completely fulfilled as described, including one call with *********************.

  
  It should be clear from your **************** that you certified as an Independent Private Money Broker, not exclusive to Cogo (not ***** ********  meaning you can broker for any of the hundreds of private money lenders across the country. Your education should have also informed you of the proper procedure to submit a loan and how to contact a ************ Loan Analyst via the advertised toll free number to begin the loan process.  

  
  Until the chargeback that you initiated is adjudicated and settled, we are forced to suspend your account for non-payment as we have provided $8500 worth of education and services with no payment from you.

  
  

  Customer Answer

  Date: 02/20/2023

   
  Complaint: 19362783
  
  I am rejecting this response because:

   

  The statement, This program was completely fulfilled as described, including one call with *********************. Is totally false. 
  
  The only thing I was provided was: Independent Private Money Broker Certification which I attended. The cost for this course was ********. Everything else they mentioned was not provided. 
  First of all, three weeks after the first course completed, my family lost our son to suicide and I was dealing with the tragedy. I didn't have the strength to do anything. I notified them so I dont have to take the next course but they did not really care at all. My family didnt even have the money for burial so we had to ask the community. If they had to release the money, it would have helped us.

  
  Everything they mentioned above, isnt true at all and they know it. In order to use those two softwares, you must complete the other two courses that I didnt take. SendFuse helps you write a contract and Deal.pro to find the properties. These two softwares have nothing to do with the course I completed. To say that I used these two softwares is completely false. How could someone pay $5,500 to just use it for one time? This doesnt even make sense at all. I dont even know how to use the softwares.

  
  In regards to the Wolf Family, after trying to get hold of them for a while, yes, I finally spoke with ************ but we didnt even talk anything about the business. It was just an introduction, and she promised to call me every Monday. She was very kind and helpful but a week later, she never called me. Part of the program, the Wolf family were supposed to hold my hand for one-year and teach me the business. It wasnt just a one-time deal. The Wolf family were the main reason why I even signed up to begin with. 
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 02/24/2023

  As result of the chargeback you initiated on the program upon which you agreed to invest, ****************************** has received no payment for the $8500 worth of products provided. As result, the desired settlement of return of payment is impossible because we retained no payment for the products you were provided. 

  Customer Answer

  Date: 03/05/2023

   
  Complaint: 19362783
  
  I am rejecting this response because:

  I already paid $9,997.00 for the program. I was also charged a subscription fee of $59.99/month for two months for the Sendfuse software which I was already charged $2,500 but never ever used it all. I don't even know how to use any of the softwares I paid for. I am attaching a receipt of $9,997 which I received from the company. Like I had mentioned in my previous response, I only received one certification that costs $1,497.00. Even the certification doesn't even have any value in my state because the organization doesn't have any accreditation to certify me as a broker.   
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 03/13/2023

  Your SendFuse monthly payment  is $50.00 per month and we show you made a single payment. We have never had a $59.99 charge for SendFuse.  You were informed at point of purchase that the SendFuse program has non-refundable h monthly charge during your recorded compliance call before your investment.  In order for you to be charged the initial payment, you had to enter your credit card information into the SendFuse Dashboard, agreeing to the monthly charge. This fee is a required subscription payment and is charged for access to the SendFuse, regardless of level of utilization. We would be happy to re-activate your SendFuse and the rest of your program upon receipt of the balance due amount.  

  Customer Answer

  Date: 03/20/2023

   
  Complaint: 19362783
  
  I am rejecting this response because:

  I'm willing to pay for the program I participated which was the Broker Certification. The cost of that program was $1,497. I am willing to pay even though I will never ever use the program at all. I am not willing to pay over $5,000 for the two softwares I have never used and don't even know how to use and, the other course I have never even joined.
  
  Sincerely,
  
  ***********************

  Business Response

  Date: 03/24/2023

  As stated before, we have retained no payments from this client. All previous payments have been charged back by the client thus we cannot return any payment. Although we have incurred significant fulfillment costs, we have received no payment for products provided. We are unable to make any billing adjustments because we have no payments from the client to adjust, after all payments were returned via chargebacks.