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:09/11/2024

  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.

  I signed up for the seminar and agreed to pay for monthly strategy sessions for help with investing. I did not find the sessions helpful and I attempted to terminate the relationship. I can no longer afford the program. The company, which is supposed to be "women in business friendly" is refusing to terminate the automatic debits. You would think that they would be pro-women in business and do anything to help. I strongly discourage anyone from using this program. You will not find it helpful.

  Business Response

  Date: 09/21/2024

  Hi *****, 
  
  Thank you for taking the time to write in. We are sorry to hear about your experience with us. 

  When you sign up for our courses, it is not a subscription but an installment plan. Right off the bat you get all of our resources and workbooks and access to the community and group coaching calls. We apologize if you felt misled by our Terms of Service, but they clearly state that we offer no refunds or cancellations on installments outside of our 10 day money back guarantee. When you reached out for a request for cancellation, you had already been enrolled in the curriculum for 3 months.

  At Dow Janes we aim to create a space where every woman+ feels supported in our program and we apologize if we fell short. We would love to hear from you about your feedback on the course work so that we can continue to improve our products and ensure that we are offering the absolute best resources and support that we can. Please reach out to us at **********************************************************. 

  Sincerely, 
  The Dow Janes Team
  

  
  

  Customer Answer

  Date: 09/21/2024

   
  Complaint: 22271085
  
  I am rejecting this response because:   Your product is not being used by this woman owned business.  I did not find the products useful and the cost is entirely too high.    I can no longer afford the subscription or installment plan.   If you wish to support woman based businesses than you would cease collecting anymore fees from someone who cannot afford the fees and who is not using your product.    These are poor business practices to say the least.   
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:08/25/2024

  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.

  Purchase program. First week recognized, it is not for me. Sent 3 emails to request refund and still have not heard back from Dow Janes. I have received 3 automatic replies, "Thank you we will get back to you in ***** hours." Deceptive advertising.

  Business Response

  Date: 09/06/2024

  Hi *****,

  Thank you for taking the time to write to us.

  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.
  
  Your first email for a request of cancellation was sent 17 days after you made your initial purchase, which was outside of our 10 day money back guarantee. Our support teams responses were all within our ***** hour window of time, which is what we guarantee given the size of our team and the volume of our support emails. With all of that said, we made an exception to our policy and canceled your enrollment as well as provided a full refund to your card on file on August 29th. 
  
  Once again, thank you for reaching out to us here, and we wish you all the best on your financial journey.

  Sincerely, 

  Dow Janes Team

• Initial Complaint

  Date:07/27/2024

  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.

  I paid for a program with ************************** in December 26, 2022 invoice #*********. I did not begin nor use the program. I requested a full refund in February 2023 and stated that due to health issues, I would not be able to use the program and that I had not started the program and requested a full refund. The replied and denied a refund or cancellation of the program. The only alternative they offered was to pause the program for a year. I told that that would not make it possible for me to use their program and that was not an satisfactory solution but they did that. This company shares in their marketing information about how financially successful the owners are yet they do not practice honest and customer focused business practices. I request a full refund or they are not ethical business owners.

  Business Response

  Date: 07/31/2024

  Hi *****, 

  After reviewing your account, I can see that our team provided you with a special exception to our no refund policy. We are a digital product and service (made by us with a lot of heart!) which clients have full access to as soon as they purchase. 

  We encourage all clients to evaluate our content, courses, and offerings to ensure that its what you want BEFORE you purchase. We do offer support and want to ensure we are meeting your expectations, however we stand behind our content, our community, and what we teach. We only want people joining if they are 100% committed to learning about their finances and will trust our process. 

  Should you wish to continue with your course materials, please reach out to our Customer Experience team. Thank you! 

  Customer Answer

  Date: 08/07/2024

   
  Complaint: 22052428
  
  I am rejecting this response because: I stated that I would not be able to use your services despite your continued attempt to refuse my refund. Your exception was your attempt to deny my refund, not what I asked for and not what serves my need. I did not use your service at all. I request a full refund. I find your business practices to be out of alignment with what you falsely promote in your videos and certainly not in good faith and integrity if you do not honor refunds. I did not use your service, did not join your calls, did not receive your coaching, did not use your tools. I will NEVER use your services or refer your services if I am not granted a full refund. If you are so successful at the business you claim to be experts in, a refund will not impact your financial security.  Other customers have found your business practices to be questionable as well based on what is documented on the BBB website. Do the right thing and provide me with a full refund. Integrity is the backbone of any business and if you start there you will build a better business that people can refer to others on social media. Right now, I am left with the experience of your business not caring about people, just your own financial gain. A business is all about its reputation and if that is not worth anything to you nor the care for the people who you claim you are interested in helping, then you will honor my refund request. Anything else you try to say to attempt to deny my refund are simply misleading statements to justify a logical fallacy that is your attempt to deny my refund. 
  
  Sincerely,
  
  ***** *.

  Customer Answer

  Date: 08/21/2024

  My last three communications were emailed on 2/19/23, 8/23/24 and a second email on 8/23/23. I submitted proof of these communications in the attachment. I never used the product or their services. I requested a refund each time I was in contact with them and let them know their responses were not satisfactory. 

   

  Sincerely,

  ***** *. 

  Business Response

  Date: 09/18/2024

  Hi *****,
  
  Thank you for reaching out and sharing your concerns regarding your experience with Dow Janes. 
  
  We strive to be clear and transparent about our policies; however, I understand that you didn't feel fully aware of our cancellation and refund policies at the time of your enrollment, of which we do not make exceptions outside of our 10 days after purchase. We apologize for any distress this has caused. As previously stated, and 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. We announce this within our masterclass and on our checkout pages, also included in Terms of Service on our main website. 
  
  Our team made an exception to our policy in the form of an extension, so if you wish to continue with your course materials, please do reach out to our Customer Experience team. Thank you. 
  
  Sincerely, 
  The Dow Janes Team
  
  

• Initial Complaint

  Date:07/12/2024

  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.

  I attended a free online lecture and signed up for the monthly payment of ******. Instead they charged ******* to my credit card without my authorization. I called my credit card and stated if Dow Janes did that I want the full ******* back. They are unethical and do not have the proper financial licenses to teach and discuss financial planning. Their name is misleading Dow Janes. People assume they have financial licenses and they do not. They are exploiting women that are in debt. I was looking at this program for my daughter.Their idea of saving money is selling your belongings. Come on two women that are taking money from people who are already is financial distress and they do not have the proper credentials to guide others how to get out of debt. It is a scam and they should be shut down.

  Business Response

  Date: 08/22/2024

  Hi ****,

  Thank you for reaching out with your concerns. We are sorry to hear about your experience with and apologize about your frustrations with your payment.

  In regards to your incorrect initial payment, the pay in full charge processed on your account of $1999 is based on your choice selected upon checkout. We can understand that there may have been a mistake and that it was not your intention to choose our payment in full option. Our team reached out to set you up on the monthly payment plan, refunding you the difference. Because your request was outside of our 10-day money back guarantee, we were unable to give you a full refund, but we made an exception to our policy and canceled all future monthly payments on your account.

  We take our credentials seriously, and we apologize if you felt you had been misled by our mission and business model. We are a financial education company and have helped thousands of women+ on their financial journey, with help from our team of coaches that have financial licenses and backgrounds. As you can see here, we are an accredited business with the BBB and not a scam.

  Sincerely,

  Dow Janes Team 

• Initial Complaint

  Date:07/09/2024

  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.

  ************************* ************************************************************************** ******************************** ************ July 9, 2024 Better Business Bureau Subject: Complaint Against Dow Janes Regarding Deceptive Contract Practices Dear Better Business Bureau,I am writing to complain about Dow Janes deceptive contract practices. In December 2023, I entered into a contract with them, but the terms were inadequately explained and misleading. I felt pressured to sign without enough time to read the fine print. When I realized I couldnt continue financially and sought to terminate the contract, my request for a refund was denied, causing significant financial distress.It is ironic that Dow Janes claims to help women manage finances, yet traps customers in burdensome contracts. Their practices are unfair and deceptive.I request the following:1.Cancellation of my contract.2.A review of Dow Janes contract practices to ensure transparency and fairness.Thank you for your attention to this matter.Sincerely,*************************

  Business Response

  Date: 08/22/2024

  Hi ******,

  Thank you for taking the time to write about your experience with us. I am sorry to hear that you felt deceived by our contract terms and that it led to financial stress for you.  We strive to maintain transparency and clarity in all our communications, and we appreciate the opportunity to address the issues youve raised.

  We are clear in all of our terms of service and sale that our payment plan is not a monthly subscription but instead an installment plan. The terms and conditions link on the checkout page are clearly hyperlinked and highlighted for the ease of the customer. Our terms are accessible directly from the checkout page and no customer is asked to make a purchase prior to the review of the terms. We provide a payment plan to make our course accessible, and therefore these are installment payments to pay for the entirety of the course - which you agreed to in the terms upon checkout.

  Your account activation and first payment was on 02/04/2024. Since your request for cancellation was outside of our 10 day money back guarantee, our team did offer you a pause in payments for 4 months on March 13th, in which we never received a response from you. After those 4 paused months, your account was reactivated and payments resumed.

  You have now had access to our programming and materials for six months - that's nearly half the lifetime of your membership. Our team would be happy to help you kickstart your participation back into the program so that you can truly experience the value. Don't hesitate to reach out to us if you'd like to take us up on it!

  Sincerely,

  Dow Janes Team 

• Initial Complaint

  Date:04/30/2024

  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 hope that my review prevents others from giving away $10,000 to Dow Janes, LLC. It would be naive of me to believe they will refund even a small portion because they won't. Dow Janes makes their money by taking money from other women! They will do anything and everything to make you sign with a creditor (Elective) by giving you X amount of payments w/no interest. This form of payment is not offered at the beginning. It is only offered when you have told them that $10K is more than you can afford. They use this dirty tactic when the salesperson knows they are about to lose the sale. They meticulously target vulnerable women, such as those with low incomes, credit histories, or debt by promising to teach them how to invest. The course has over ************************************************************ another module. It is also full of fillers such as psychological advice, manifesting strategies, lifestyle values, and so on. It is poorly organized making it extremely hard and tedious to navigate. I have a PhD in curriculum and instruction, and spent 7 years learning how students learn. The excessive amount of worksheets and ****** complicated Excel spreadsheets create an immediate equity problem, especially for those vulnerable women from low-income backgrounds. There is an assumption that ALL women have fallen into debt due to poor spending habits and lack of a conscious lifestyle. To those who have had to pay for legal services and psychological treatment for their kids, this is nothing but a guilt trip. They promise you will learn how to invest but they won't teach you until you are out of debt and the only advice is to get a side hustle to increase your income. They are clueless about what it is to have 2 jobs while being a caregiver. They fill their mouths with words such as spending hygiene, poor excuses, poor spending habits, and values. I wish I had more space to write, but VALUES is something they need to work on to stop taking advantage of others.

  Business Response

  Date: 05/13/2024

  Hi there, 

  Thank you for taking the time to share your concerns and experiences with us. I'm sorry to hear your program experience has not met your expectations and seems to have caused significant frustration and disappointment.
  
  We are committed to empowering women+ by providing accessible and impactful financial education. We take your feedback seriously, especially as it pertains to the pricing and presentation of our payment options. Our intention with offering a payment plan like Elective is to make our programs more accessible to those who might find the full cost prohibitive upfront.
  
  Regarding the content and structure of our courses, we strive to offer a comprehensive curriculum that addresses various aspects of financial management and personal development. We purposefully create our content so that it is digestible, and can be consumed in short periods of time rather than needing to spend hours to accomplish any of the coursework. Our course design and content delivery was created to ensure it is both educational and user-friendly, especially for individuals from diverse educational and financial backgrounds.
  
  We are particularly concerned about your perception that our program assumes debt arises from poor spending habits alone - as a team of financial coaches we know this to not be true. Our goal is to support all individuals, irrespective of their financial situation, without judgment.
  
  We would greatly appreciate the opportunity to discuss your feedback in more detail and explore how we can address your concerns. As you haven't provided verified contact information here, I am unable to review your personal file. 
  
  Please contact us at your earliest convenience if you'd like to continue the conversation.

• Initial Complaint

  Date:04/29/2024

  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.

  Im writing with multiple concerns about Dow Janes. I attended a Dow Janes Free Class webinar on April 19th, where a discounted Case Study program was being advertised for $1,999. On the checkout page (open for duration of the webinar call), there was no text connected to the terms and conditions link. After my purchase, Dow ***** required a program agreement as part of the account login setup. I did not sign this, as there was no text available to review on the page. I sent an email to Dow Janes on April 19th regarding lack of transparency regarding their terms, but I have not received a response. After purchase, my bank account reflected a charge higher than advertised, and I realized Id been charged a bank currency conversion rate. *** was not clearly and legibly stated on the checkout page. As the webinar hosts advertised to US and Canadian clients, I assumed that I was paying in CAD currency since I was using a Canadian IP address. I was then told I needed to fill out a feedback survey to receive a refund. Ive never in my life seen any business use a feedback survey as a condition for refund. Next, the refund was less than Id paid in CAD. ********************** told me the discrepancy was due to the Canadian/US exchange rate at time of purchase. I responded on April 25th with a detailed feedback, including the following request for attention to Dow Janes business practices, but have not received a response. it is due diligence to notify people very clearly verbally [during webinar] and on the checkout page that the currency is in *** and that the cost of purchase may be higher, and the refund may not be balanced, depending on conversion rates and bank fees. it is also due diligence to ensure that the *** currency or choice for price conversion is also clearly legible upon checkout.I found a number of alarming issues regarding Dow Janes business practices, and I would advise anyone extreme caution before engaging with this company.

  Business Response

  Date: 05/13/2024

  Hi ****,

  Thank you for reaching out with your concerns. We sincerely apologize for any confusion and inconvenience you experienced during your interaction with Dow Janes. We strive to maintain transparency and clarity in all our communications, and we appreciate the opportunity to address the issues youve raised.

  Regarding the currency in which our prices are presented, please be assured that it is our policy to clearly state that all prices are in USD. This is consistently communicated across our platforms and during our webinars, especially since we cater to an international audience. We regret any oversight that led to your assumption that the prices were in CAD. We are reviewing our webinar presentation and checkout process to ensure that our communication about the currency is unmistakably clear and visible at all points of interaction.

  As for the terms and conditions link on the checkout page - they are clearly hyperlinked and highlighted for the ease of the customer. Our terms are accessible directly from the checkout page and no customer is asked to make a purchase prior to the review of the terms. 

  Our policy of requiring a feedback survey is intended to gather insights that help us improve our services and understand how we can better serve our clients. We have processed your refund based on the exchange rate at the time of the transaction, as is customary with international transactions involving currency conversion. We recognize the importance of providing clearer information regarding potential fluctuations in exchange rates and bank fees, although this is the responsibility of the customer making the purchase.
  

  If you'd like to engage in further feedback, please don't hesitate to reach out to our team directly. 

• Initial Complaint

  Date:04/18/2024

  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.

  Purchased Credit Card Cure on 3/27/24. "100% satisfaction guaranteed or money back" stated on website (screen shot of statement from website uploaded in supporting documents) Along with explanation that Dow ****** requires at least 3 weeks of the course to ensure that it does not work before refund is issued. I was not satisfied with product and requested a refund on 4/16/24. I was informed that the refund policy is only good if requested within 10 days of purchase after speaking w 2 representatives via email. I requested a phone number and an address and I have not been given this information. I have been unable to resolve this issue and I have only been given the same "10 days" response each time I attempt to contact the company.

  Business Response

  Date: 05/13/2024

  Hi *******, 

  Thank you for reaching out to us with your concerns about your recent purchase of the Credit Card Cure program. We appreciate your decision to invest in your financial education with Dow Janes, and we take your satisfaction seriously.
  
  Upon reviewing our policies and your purchase details, we would like to clarify our refund policy regarding lifetime access programs like Credit Card Cure. As stated on our website, all sales for lifetime access programs are final due to the extensive resources and ongoing value these courses provide. This policy is in place to maintain the integrity and sustainability of our comprehensive educational offerings.
  
  However, we understand from your message that there was some confusion regarding the "10 Day Refund" statement. This guarantee applies specifically to our year long flagship courses and has different terms, including the condition that a refund request must be made within 10 days of purchase if the course does not meet your expectations. For our lifetime access programs, they are final sale. 
  
  We apologize for any misunderstanding regarding these policies and for any inconvenience you have experienced in communicating with our team. To ensure that all your concerns are addressed, we invite you to discuss this matter directly with a member of our customer experience team. You can reach us at ********************************* Our team is here to provide you with the support and information you need.
  
  Thank you once again for your feedback.

  Customer Answer

  Date: 05/21/2024

   
  Complaint: 21596366
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:04/02/2024

  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.

  Problems: unethical treatment and misinformation leading to requesting thousands of dollars that I never agreed to pay Misinformation on the side of representatives on what is actually offered (covered in the course) which is not true -> hence the service is not what was promised and not providing value but the business disagrees to stop the business relationship even though their representatives confined misinformation The platform is designed in such a way we cannot physically see the content for several weeks at the beginning so cant access the worthiness of the program Details Program offers two options: annual access or monthly subscription. (More expensive but not signing up for the whole year and allowing cancelations) I purchased subscription after exchanging multiple emails a the representatives and conforming specific content. I couldnt access the validity of the content I was interested in and asking for for weeks as I was asked to do other tasks and activities to unlock this content. After I finally did unlock it was obvious that there is no value in that part. I emailed once again and then the representative confirmed this course is not what Im looking for. I asked to stop my subscription and only then I was told that the subscription is not actually a subscription. The company looks at it as a loan and requires me to pay for the whole year. I never signed up or agreed to pay for the whole year of this class but was misinformed. I also followed all steps to ensure the quality is provided and was misinformed on whats covered This course targets women w low financial literacy and savings. Given the misinformation and highly unethical practices theyre praying on the same people they claim to help. This feels illegal, inappropriate, highly disruptive and unethical I cannot pay the charges that I never agreed to $1590 and tbh I should be reimbursed the months I paid for given that the course does not offer what it promised to do - add $796

  Business Response

  Date: 04/15/2024

  Hi *****, 

  Thank you for your detailed feedback regarding your experience with our program. We are truly sorry to hear of your concerns, and appreciate the opportunity to address them. I have reviewed your account and can see that it was handled by a member of our team on April 3rd 2024. Please contact us directly at ******************************** if you did not receive this communications or feel something was made in error. We are committed to ensuring that all our clients receive value from our programs and feel respected and fairly treated in all dealings with our company.

  Customer Answer

  Date: 04/23/2024

  This dispute is not resolved. I emailed the business and hope it will be solved soon, but will let you know if not. Previously, contacting them directly over email has not solved any problems so I am skeptical until the money is actually reimbursed 

  Thank you 

  **********;

  Customer Answer

  Date: 05/03/2024

  Dear all. 

  The issue has not been resolved. Im still waiting for the refund. I emailed the email provided here by the business and - like in previous cases it was not suggestion - no one has answered to my email. Ill need more of your support and mediation here sadly. 

  Business Response

  Date: 06/07/2024

  Hi *****,

  I have reviewed your account and can see that it was handled by a member of our team on April 3rd 2024. An exception was made to your account (and to our policy) and there's no further action we can offer. You have completed more than half of our programs course work. We recommend all customers please evaluate our content, courses, and offerings to ensure that its what you want before you purchase. We do offer support and want to ensure we are meeting your expectations, however we stand behind our content, our community, and what we teach. We only want people joining if they are 100% committed to learning about their finances and will trust our process. 

  We wish you all the best on your financial journey. 

• Initial Complaint

  Date:03/18/2024

  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.

  I signed up for the Dow Janes Million Dollar Year program sometime in October 2023. I am unable to continue the program due to personal and financial reasons and reached out regarding cancelling the monthly charges and was told of their no cancellation/refund policy, which they point out was in their terms of service and they explain their satisfaction guaranteed feature that says 24 month after the initial purchase date you can submit for a refund after completing the program. I do not remember the no refunds, no cancellations policy being communicated clearly prior to my enrollment and find myself feeling very mislead. After getting into the tracking income-expenses portion of the program, I am findind hard to find time to focus on all of the different spreadsheets and to watch hours or video's. I am a single mother living in ************ and finding that I do not have the bandwidth or the finanical resources to conutnie to use a program that is not working for me. Now, because of their lack of a refund, I will continue to be charged $199 each month that I simply do not have the luxury to afford. I am going through a major life transition right now, I have to support myself. I am seeing where there is a consensus among BBB complaints regarding the same things I am stating here, others have had the same exact or nearly similar experience.

  Business Response

  Date: 03/20/2024

  Hi ******, 

  In our time in business, we have received less than 20 complaints on BBB, yet we've served over ****** women+. That is 0.06% of the women with whom we have done business since launching the Million Dollar Year. Needless to say, we are extremely proud of the service that we provide to our customers and of our A rating with the Better Business Bureau.

  As our team has shared with you, our product is completely digital, and all our resources are created by us (with a lot of heart!) making them unique to Dow Janes. Upon signup, all members have to check the box to agree to our refund policy and terms of service. In those, we clearly outline the requirements of our money-back guarantee and no cancellation and refund policy. You have now had access to our programming and materials for five months - that's nearly half the lifetime of your membership. 

  Our team would be happy to help you kickstart your participation back into the program so that you can truly experience the value. Don't hesitate to reach out to us if you'd like to take us up on it! 

  Customer Answer

  Date: 03/20/2024

   
  Complaint: 21447233
  
  I am rejecting this response because: I am not pleased with this outcome. I simply would like to cancel future payments. The level of time commitment is overwhelming and I as my life gets more hectic I find hard to really get really take  advantage of the program for how much I am paying each month. No one has reached out on your company to call or email me on their own accord to help " Re-kickstart" this program. I find the customer service lacking in that regard. I can never make it to the OFFICE HOURS I am always at working during those hours or I have to login very late at night when the house is quiet and I just do not have the bandwidth give it the focus the program requires and the fact the I have to plan and ask questions for each subject and submit it way ahead of time just does not work for me.

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

  Business Response

  Date: 04/15/2024

  Dear ******,

  Thank you for reaching out and sharing your concerns regarding your experience with our Million Dollar Year program. We understand that circumstances can change, and we're sorry to hear that the program is no longer fitting your needs due to personal challenges.

  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 enrolment. 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. We announce this within our masterclass and on our checkout pages, also included in Terms of Service on our main website. 

  We always aim for clarity in our communications and will take your feedback seriously to improve how we present these important policies in the future.

  We would like to explore possible solutions that *** alleviate the financial burden. Could we perhaps arrange a personal discussion to explore some flexible options that might be available to you, such as a payment pause or an adjustment to the program structure that would better accommodate your time constraints? We are committed to supporting all our members and would like to find a way to assist you during this challenging time.

  Please contact our Customer Experience team at your earliest convenience so we can work towards a resolution that supports your needs. Your satisfaction and success in the program are important to us, and we are here to help. Thank you again. We look forward to hearing from you soon and hope to find a suitable solution.