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:06/18/2025

  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.

  I enrolled in Dow Janes expecting a valuable, empowering, personalized financial education program. What I received was extremely basic content that didnt align with the value or promises made in their marketing. I realized early on that the program wasnt worth the $2,000 cost, but felt trapped due to their no-cancellation policy. Believing I had no choice, I continued to make monthly payments and ultimately paid over $1,000 before stopping.Additionally, I paid an extra $99 for an Energy Healing add-on to "heal" money blocks, which consisted of pre-recorded videos where a woman silently "transferred the healing energy" by waving her hands at the screen with no explanation. It felt exploitative, especially given the financial vulnerability of many customers seeking help.When I asked to cancel, I was told there was no option even though I'm facing significant financial hardship. Ive since disputed the most recent charge and am requesting a full or partial refund. I believe Dow Janes uses misleading marketing and rigid, predatory practices that do not serve its customers.A Consumer from CA

  Business Response

  Date: 07/02/2025

  Hello *****, 

  Thank you for sharing your experience here, and we're sorry to hear the course did not meet your expectations. Please reach out to us at ******************************** and our team will be happy to reach a resolution. 

  Sincerely, 

  The Dow Janes Team

• Initial Complaint

  Date:06/16/2025

  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.

  I viewed an introductory Dow Janes webinar, thought it might be interesting, and paid the $199 to begin the program. Almost immediately, however, I realized this is just a very basic, common sense course, and not worth even 10% of the total $3000 being charged ($199 monthly). I contacted the company, notifying them I had no interest in continuing. I informed them I was withdrawing from the program. I was told: too bad. We don't offer cancellations. This is not a membership organization. When you paid the $199, this was merely an installment on the total purchase price of the program. Whether you continue or not, we will be charging you $199 per month for the next 11 months. This is at the very least a terrible way to do business, and most likely a fraudulent business practice. I was not advised that a payment of $199 constituted a contractual relationship requiring I must pay them another $2800. Note I never accessed a single document; never set up my account.

  Business Response

  Date: 06/18/2025

  Hi *****, 

  Thank you for reaching out and sharing your situation with us. We are sorry to hear about your experience with Dow Janes. Please reach out to us at ******************************** and we would be more than happy to address your concerns and come to a conclusion. 

  Best, 

  The Dow Janes Team

  Customer Answer

  Date: 06/19/2025

   
  Complaint: 23475659
  
  I am rejecting this response.  Even though I notified this business that I had no interest in pursuing this program a mere 14 days after making the first payment, this business is essentially forcing me to pay $199 EVERY MONTH for a program I have no interest in attending.  This is no way for a reputable business to operate.  This is how swindlers and conmen operate.  

  This organization does not deserve an A BBB rating.  I am only one of many being similarly abused by this business.

  
  Sincerely,
  
  ***** R *****

  Business Response

  Date: 07/02/2025

  Hello *****, 

  Thanks for reaching us here. 

  Our team made an exception to our policy and cancelled the remainder of your installments. Please reach out to us if you would like to discuss further!

  Sincerely, 

  The Dow Janes Team

• Initial Complaint

  Date:06/06/2025

  Type:Sales and Advertising 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.

  It was unclear how much this program cost. I decided I did not want to continue with it and couldnt abide by their terms to get my refund and cancellation within their required time frame so they continued to charge me ****** on a monthly until I noticed and I closed down the debit card. I asked them to cancel my membership within their required 10 day period and they said that I had to finish a part of the course first and then they would cancel if I did not like it. I want my ****** back but they will not. This course is not worth paying ********.

  Business Response

  Date: 06/18/2025

  Hello Bonnie, 

  Thank you for reaching out here and explaining your situation with us. We are sorry to hear about your experience with Dow Janes. Please reach out to us at [email protected] and our team will be happy to get you squared away and reach a conclusion that works for you. 

  Sincerely, 

  The Dow Janes Team

• Initial Complaint

  Date:06/04/2025

  Type:Order 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 and signed for the class but got some work and health issues and could not finish it in a year. But now they want me to pay $25 a month to access it. that is foul. I already paid for the class so I should access it for free whenever I want without paying again.

  Business Response

  Date: 06/05/2025

  Hi Jo, 

  Thank you for reaching out to us here. 

  We are sorry to hear about your recent experience with Dow Janes. Please reach out to us at ******************************** and our team would be happy to talk through options with you to continue your course work. 

  Sincerely, 

  The Dow Janes Team

• Initial Complaint

  Date:04/07/2025

  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 watched a FREE seminar from Dow Janes. I began getting emails to sign a contract, and they took $199.00 out of my bank account!!! I wrote to them and explained that I DID NOT sign up for a course costing $1,999.00, billed at $199.00 monthly!!! I asked for an immediate refund. They continued to charge me $199.00 each month while sending me demanding docusign agreements - none of which I signed. I have never accessed their course. I cannot use their course and I feel that as successful as these two ladies say that they are, it doesnt seem logical that they would scam an old lady out of her very tight social security income. I have asked repeatedly, in writing, and they continue to charge me. Please help me, I am falling into huge debt from all their charges, which I DID NOT agree to.

  Business Response

  Date: 04/08/2025

  Hi Tee, 

  Thank you for reaching out here and expressing your concerns. We apologize about your recent experience with us. Our team has been in touch with you by email to resolve the issue, and we look forward to hearing from you and getting you taken care of. 

  Sincerely, 

  The Dow Janes Team

• Initial Complaint

  Date:03/02/2025

  Type:Order 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 joined the Million Dollar Year (***) after a free informational call at the beginning of 2024. I signed up for *** at $199/month and a couple weeks later was contacted by another Dow Janes team member about the Wealth Building Accelerator (***) because I was interested in learning about investing. In June 2024 I experienced a mental health crisis that took my full attention to recover from, even causing my to step away from work to fully heal. I messaged Dow Janes about this via the platform, in a call with a coach, and again in emails to the support team about extending my time with the resources to be able to finish the program now that I am fully well again. I did not ask for a refund, but when my year-long time in the program was up and I was unable to finish while I was focusing on my health, I lost access to everything. I was told that I can pay more each month to retain access to the program materials. I don't think it's right to take advantage of people this way. No one offered a pause in my payment, pause in the program to ensure I can begin again at another time, nothing was offered to me other than 'too bad'. I also asked multiple times throughout the program why I was paying for both the *** and the *** when I was told repeatedly that the *** information was included in the ***. At this point I'd like a total refund, not only for the redundancy of the payment of *** but also for ***. I had every intention of finishing the course and was making good progress until my health declined and this program had to take a back seat. I told the customer support team that I did not feel supported - though they told me multiple times on sales calls that the program is intended to support women - and no one responded to me. This course is a scam, do not be fooled by them. I suggest no one give them any money so that this doesnt happen to others in the future.

  Business Response

  Date: 03/12/2025

  Hi ******, 

  Thank you for taking the time to reach out to us here. We are sorry to hear about your experience with Dow Janes. Our team has reached out to you to resolve your request. Please follow up with us at ******************************** and we will be happy to talk further steps. 

  Sincerely, 

  The Dow Janes Team

• Initial Complaint

  Date:01/11/2025

  Type:Product 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 bought Dow Janes million dollar year with the full intent of taking the program. I was handed my grand daughter to care for and shortly after my parents health declined to the point that I had to bring them to live with me. My mom died mid 2021 and my dad passed away this past mid August. They both had dementia (my dad was advanced). Ive been a 24/7 care provider the whole time and was FINALLY Able to take this course now. When I tried to log in, it gave an error so I reached out and now they want me to pay again to use the supposed more advanced program. I already gave them almost a thousand dollars. I cant pay any more. I feel like this is rediculious and even predatory. I cant afford to lose that money and not receive the money program. I really just want to take the program as promised but a refund if they wont honor it.

  Business Response

  Date: 01/18/2025

  Hi *******,
  
  Thank you for sharing your story and for reaching out to us. We deeply empathize with the challenges youve faced and truly admire your dedication to both your family and your personal growth. We want to make sure we address your concerns and find a resolution that works for you. We reached out recently offering you an exception to our policy, Please email us at ******************************** if you would like to take advantage of our offer. Were here to help.

   

  Sincerely, 

  The Dow Janes Team

  Customer Answer

  Date: 01/18/2025

   
  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. Although they are only giving me access to their product for 6 months rather than a year, I am relieved to receive something for all the money I spent.

  thank you for your support.
  
  Sincerely,
  
  *** ********

• Initial Complaint

  Date:12/16/2024

  Type:Sales and Advertising 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 signed up for their program and paid on 12/2/2024. I didnt access any of the program. I was sent a welcome email on 12/6/2024 stating I could access the program. I sent an email on 12/15/2024 asking for a refund. The company responded they didnt provide refunds, which was never stated in their introduction. Their terms of sale also states they provide refunds. Their refusal to provide a refund and claim they dont refund money is corrupt and shameful.

  Business Response

  Date: 12/18/2024

  Hi *********, 
  
  We appreciate you taking the time to reach out to us. We apologize for your recent experience with the Million Dollar Year curriculum. Transparency is a core value of ours at Dow Janes and we strive to be clear and transparent about our policies; however, I hear that you didn't feel fully aware of our cancellation and refund policies at the time of your enrollment. We apologize for any confusion or distress this has caused. It is important to note that, as with many digital services, our programs are accessible immediately upon purchase. For this reason, we do not process refunds outside of our structured refund windows and guarantees, to protect the integrity and value of our content. Our terms and conditions are outlined during our webinar, on our checkout page and all registrations must click to accept our terms and conditions prior to completing their purchase. 
  
  My team acknowledged that you first purchased the program on 12/1/2024, and reached out on 12/15 for a refund which is outside of our specified money back guarantee. We offered to give you guidance on getting the most out of the curriculum, and we would be more than willing to offer direct guidance from our Customer Experience Team to get you engaged in the curriculum and get the most out of your investment. If this is something you wish to pursue, please reach out to us at **********************************************************. 
  
  Sincerely, 
  
  
  The Dow Janes Team
  
  

  Customer Answer

  Date: 12/18/2024

   
  Complaint: 22693178
  
  I am rejecting this response because: I didnt receive a welcome email until 12/6/2024 letting me know I was enrolled. I never accessed any materials which the company can track. I was never told that I couldnt receive a refund later than the 10 day time period. I based my request for a refund on the email notifying me I had access to the program. I requested a refund on 12/15/2025 which was in the refund timeframe from the welcome email.   This program says it is here to help women financially when all this shows is the company isnt to take advantage of women. Any reputable business would gladly refund the money. Not refunding the money demonstrates to any future clients doing research on this program that Dow Janes is not to be trusted. This is a predatory company. I would imagine by now there are enough of us to file a lawsuit against the company. I want my refund. 
  
  Sincerely,
  
  ********* ********

  Customer Answer

  Date: 01/08/2025

  2:04
  5
    yout wil el Ulul uC.
  ????Returns and Refunds.
  ????Million Dollar Year: Million Dollar Year has a ten (10) day money back guarantee. If you are unhappy with the service for any reason, you may request a refund of these services at any time within those ten days. Please email ******************************** within (10) days of your purchase to request a refund.
  ????Intentional Investing: Intentional Investing has a ten (10) day money back guarantee. If you are unhappy with the service for any reason, you may request a refund of these services at any time within those ten days. Please email ********************************
  ????All other digital products:
  ???Due to the nature of digital products being immediately accessible upon purchasing, no refunds of any fees or other amounts paid by you in connection with the Product will be allowed under any circumstances, however these are limited to and specific to certain promotions. In the event that you seek a refund from the specific, limited money-back guarantee promotion that is explicitly related to the products you purchase at the time you purchase them, you have thirty (30) days from the end of such guarantee period to request a refund. Otherwise, no refund shall be given.
  ???No Guarantees. We do not make any guarantees as to the results, including financial or other personal gains, of your use of the products. You agree to take responsibility for your own results with regard to using the nrodurts
  @**************************

  Business Response

  Date: 01/18/2025

  Hi *********, 

  Thank you for your response here. Were are truly sorry to hear about your experience and understand how important this matter is to you. Please email us at ******************************** so we can review your case thoroughly and work towards a resolution. We value your trust and want to ensure we address your concerns with care.

  Customer Answer

  Date: 01/22/2025

   
  Complaint: 22693178
  
  I am rejecting this response because:
  They asked me to email them to have further discussion. I sent an email to them on 1/18/2025 and have not received a response. I would greatly appreciate hate a refund of my money as I have not accessed any materials and responded within the timeframe of when I received my welcome letter to the program. 
  Sincerely,
  
  ********* ********

  Business Response

  Date: 01/28/2025

  Hi *********, 

  Thank you for your response back to us here. Our team reached out on 1/18 in response to your message. We have followed up again today on 1/28 to get in touch with you and review your account. Please respond back to us at your earliest convenience!

  Sincerely, 

  The Dow Janes Team

• Initial Complaint

  Date:12/10/2024

  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 June 20, 2024 I was charged $1,999.00 on my credit card for an investment class. I was unable to take the class due to a number of hospitalizations. I reached out to them via email and they told me I could take the class when I was ready. I sent them another email on December 4 explaining that I could not take the course. My doctor also sent an email on that date letting them, due to my illness, I could not take the class anytime in the future. I never heard back from them.

  Business Response

  Date: 12/18/2024

  Hi *****, 
  
  Thank you for taking the time to write to us here. We are sorry to hear about your experience with our Intentional Investing program and any distress your purchase and participation has caused. 
  
  We strive to be clear in our communication about refunds and cancellations, and outline in our Terms of Sale at check out that we do not offer refunds or cancellations outside of our 10 day money back guarantee. We had not received any communication from you until September 2024, seven months after you had signed up for the Intentional Investing program - which is many months past our 10 day money back guarantee. 
  
  We understand that circumstances come up that make it difficult to get through the curriculum, which is why our team offered you an indefinite pause on your account, and offered you to reinstate your course work for a year from any date of your choosing. If this is something you would still like to pursue, please let us know at ******************************** and we would be happy to honor this pause for you, and get you back into the curriculum when you are ready. We want to help you make the most out of your investment, and see you on your way to financial freedom. 
  
  Sincerely, 
  
  The Dow Janes Team
  
  

  Customer Answer

  Date: 01/09/2025

  To the Dow Janes Team:

  I am asking that you make an exception to your no refund policy do to my health condition. I appreciate your offer to extend the course but the issue is I will never be well enough to take the course which is why I gave you my doctors note and her phone number and signed a hippa resease so she could explain the situation to you. Did you reach out to her? In the spirit of helping women get on their feet fianancially I am asking that you understand that I cannot ever take the course, therefore have paid $2,000 and received nothing. I know if you were coaching me you would want me to pursue getting a refund if this were another business. Can you please reach out to my doctor so you can better understand the situation?

   

  Many thanks,

  ***** ******

• Initial Complaint

  Date:10/23/2024

  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 signed up for the Million Dollar Year program in 2023. Due to the hefty fees of the program, I signed up with a credit card believing I would be able to have the fees returned if I did not make the money back by using the practices offered through this program or was unsatisfied with the program. The payment portion of the program encourages you to use a credit card to pay the fees ($200.00 PER MONTH) because they promise you will learn how to make that money back after the program. I was unable to complete the program materials after the first month due to an accident that caused me to be hospitalized and unable to use any technology for months. I was charged twice more (to my knowledge) for the program and tried to cancel. I requested a refund for the materials and months that I NEVER ACCESSED and was told they do not offer refunds outside of a 10-day sign up window. This was NEVER articulated to me in text or anywhere else in the sign up process. if I had seen this, I never would have signed up for the program as I do not believe you can deduce the value of a YEAR LONG PROGRAM in 10 days!!! Especially one that is so expensive. I am in communication with their customer service team, but they have argued that the refund is not going to be processed because I missed the 10 day deadline that I was NOT MADE AWARE OF. This program claims to support women going through financial hardship by giving them the tools they need to succeed financially, but all I have now is interest accruing debt from their company. They took my money, still send me weekly emails, and I feel like I was completely misled when signing up for their "program". Dow Janes is PREDATORY and should be legally required/forced to refund the money of their unhappy clients. There are so many complaints against them that I cannot believe they are still allowed to operate. Please advise on what further action can be taken, including legal action if possible. A class action lawsuit is preferred.

  Business Response

  Date: 10/29/2024

  Hi Cayman, 
  
  We appreciate you taking the time to write in and we are sorry to hear about your experience with us. 
  
  Transparency is a core value of ours and we strive to be clear and transparent about our policies; however, I hear that you didn't feel fully aware of our cancellation and refund policies at the time of your enrollment. We apologize for any confusion or distress this has caused. Its important to note that, as with many digital services, our programs are accessible immediately upon purchase. For this reason, we do not process refunds outside of our structured refund windows and guarantees, to protect the integrity and value of our content. Our terms and conditions are outlined during our webinar, on our checkout page and all registrations must click to accept our terms and conditions prior to completing their purchase. 
  
  Our team made an exception to our 10 day cancellation policy given your situation, and if you have any further questions, please do not hesitate to reach out to us.
  
  Sincerely, 
  
  The Dow Janes Team