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:08/30/2023

  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.

  Subject: Complaint Against Warrior Trading's Refusal to Process Refund via ****** Dear Better Business Bureau, I hope this message finds you well. I am writing to formally file a complaint against Warrior Trading, a trading education company, for their refusal to process a refund through ****** despite previously encouraging customers to use this payment method for settlements. I would like to provide you with the details of my case as follows: I am a customer of Warrior Trading and have encountered a series of challenges related to obtaining a refund for services I did not utilize. In my correspondence with Warrior Trading, a representative named Carina communicated that a refund would only be issued to the original payment method. However, this stance contradicts the guidance provided by the Federal Trade Commission (FTC), which recommends using ****** for settlements. I wish to highlight the following concerning aspects of this matter:1. **Ethical Non-Compliance:** Warrior Trading's refusal to process a refund via ******, despite endorsing this method in their communications, raises ethical concerns. Their actions appear to disregard established FTC guidelines and industry best practices.2. **Inconsistent Representation:** Ross C, a prominent figure representing Warrior Trading, has conveyed certain values and principles through his online content that appear to be incongruent with the organization's actions. This incongruity raises questions about accountability and the organization's commitment to the standards they profess.3. **Unwarranted Refusal of Reasonable Resolution:** I proposed a reasonable solution by accepting a partial refund of $625 as a gesture of goodwill. Regrettably, this fair concession was dismissed, suggesting an unwillingness to engage in equitable resolution and prioritize customer satisfaction.4. **Connotations of Bias and Discrimination:** There have been indications that my nationality and location might be influencing the handling of my case. Such implications raise concerns about potential biases and discrimination within the organization's practices.5. **Neglect of Legal Counsel:** Despite acknowledging their obligation to provide a refund, Warrior Trading has not sought guidance from their legal consultants to explore avenues for facilitating the refund. This oversight has resulted in the potential loss of my funds due to circumstances beyond my control, such as the expiration of my credit card. I am attaching copies of the email exchanges between myself and Warrior Trading for your reference, as well as a recent email outlining my concerns and demands for a just resolution. I kindly request that the Better Business Bureau initiates an inquiry into this matter and takes appropriate measures to ensure that Warrior Trading adheres to ethical and legal standards in their interactions with customers. The organization's refusal to process refunds through the recommended payment platform raises doubts about their commitment to transparent business practices and customer welfare. Thank you for your attention to this issue. I look forward to your response. Should you require any further information or documentation, please do not hesitate to contact me. Sincerely,******************

  Business Response

  Date: 08/31/2023

  We have corresponded with this customer over the course of many emails and various review sites. Unfortunately, what started as a civil discussion and mutual agreement on a refund quickly escalated into dissatisfaction and false claims made on behalf of the customer. The claims seem primarily rooted in the fact that customer struggles to understand the difference between the FTC and our company.
  
  At the start of our recent interactions, the customer wrote in to our Customer Support inbox to inquire about a refund. The customer's statement that we acknowledged an obligation to provide a refund is untrue: while we were not obligated to provide any refund to the customer directly per our refund policy, we still politely offered to refund him for the time that remained unused on his account, in the amount of $626. It should also be noted that this refund was offered to him in our initial response, right from the beginning of our interactions, as we aim to be fair and just in every interaction we have with any customer or business.
  
  The customer agreed to this refund. When we stated that the refund would be issued back to the same payment method that was used for the original transaction, the customer stated they no longer have that bank account and asked that we instead provide payment either via ****** or wired directly to a bank account. We explained that if that card used 3 years ago was expired, that a bank will typically issue a new card unless the customer actively decides to close the bank account. We encouraged the customer to reach out to his bank to confirm if, should a refund be issued, he would be able to receive the funds to another associated account or via other means.
  
  The customer insisted that he would not be able to receive that payment and continued to ask for a payment via wire to a bank account or sent via ******. We have no history of receiving payment from this customer via ****** or bank wire, and so their request to send money to alternate, unknown, accounts means that he expects us to violate obligations to payment processors and violate compliance guidelines for issuing refunds by sending a payment directly to an unknown ****** account or unknown bank account. As his 4th point raised in his review, the customer states that his "nationality and location might be influencing the handling" of his inquiry; he appears to have started making this claim after we stated that we cannot wire money to a foreign bank account. Regardless of the location of the bank account, the statement that we cannot wire money to an unknown bank account remains the same. The customer appears to be grasping on to this one statement as a way to suggest that we are discriminating against him in this case based on nationality, as he is located in Jordan.
  
  The customer states that we "previously [encouraged] customers to use this payment method [******] for settlements" because, after multiple explanations, he does not seem to understand that the FTC and its designee handles any settlement funds and the issuing of those funds to consumers. It is the FTC, not Warrior Trading, that would have sent any correspondence to any customer regarding eligibility for settlement funds and how to claim them. As stated many times before, if the customer has questions about obtaining those settlement funds, he should correspond with the FTC.
  
  The customer's statement that our refusal to send a payment to an unknown account of theirs "contradicts the guidance provided by the Federal Trade Commission (FTC), which recommends using ****** for settlements" again shows that the customer does not understand that the refund we offered is completely separate from any settlement he may have received. In fact, the customer sent us a reply he received from the FTC Refund Administrator which shows that the FTC has also tried to explain that "We [the FTC] are not associated with Warrior Trading Company." It is further suggested that Mr. ********* believed the FTC Refund Administrator was a representative of Warrior Trading, as in previous emails directed at the FTC and BBB in which he copied us, he claimed the response from the FTC Refund Administrator "exemplifies their [Warrior Trading's] unwillingness to address legitimate concerns" -- again, not understanding that the FTC representative is not a representative of our company. In this current BBB review, he again confuses the FTC and Warrior Trading, stating we previously endorsed ****** for settlement funds when Warrior Trading did not send these communications -- the FTC did.
  
  He states that our refusal to issue a payment to an unknown account "appear to disregard established FTC guidelines and industry best practices;" however, best practices and various compliance guidelines within the United States guide us to adhere to agreements with payment processors which are created in efforts to keep commerce safe and secure.
  
  The customer in his review, as well as others on other review sites, attempts to discredit our CEO, stating that the ideals he preaches are not exemplified by our company through this interaction. It is saddening to see that, despite our handling of literally dozens of his emails and fielding his abuse across various social media platforms, the customer does not himself display any respect for the individuals in our company or the efforts of those individuals.
  
  The customer has shown no regard for the explanations we've provided and appears to either not understand the rules and regulations that we are abiding by through our decision, or simply disregards them. He has at this point spammed our Customer Support Service center with over 30 emails, has posted on social media using alternate names, has posted continually on review sites in attempts to speak badly about our business, and has gone so far as attempting to contact employees of the company directly. Because of this continued abuse and disregard for our adherence to the guidelines he states that we have violated, we have informed the customer that we can no longer respond to him regarding the matter.

  Business Response

  Date: 09/11/2023

  We have offered the consumer a refund of $626 to which he agreed, and have informed him of our refund policy on multiple occasions. Upon his concerns about being able to receive the refunded payment, we have instructed him to contact his banking institution to determine how a refund can be correctly applied to his account. BBB has been provided with copies of communication between ourselves and the consumer.

  Customer Answer

  Date: 09/12/2023

  I am rejecting this response because:

  They are not saying the true story, according to what the *** Attorney told me in her message I am able to have the full refund of $3600, and I am going to court in this case since they refused to answer me for months. Another thing to add i accepted the offer of refunding me $625 , then they refused to refund me and they insist to to refund the same credit card I used before 3 years and it is experied and the bank is refusing to open the same account,  I offered them to give them my new credit card with same name , same address or through ******,  they refused. If you can solve this issue between us it is much appreciated since I am a student and I need these money to complete university, I will withdraw my complaint,  thank you so much. 

  Business Response

  Date: 09/12/2023

  If the FTC informed the consumer that they are eligible for a particular amount via the settlement, they should continue to correspond with the FTC directly regarding that request. As we have directed the consumer previously, the appropriate phone number for the FTC would be **************. Since Warrior Trading does not administer consumer redress funds directly, it must be handled through the FTC. As we have explained to the consumer after offering the $626 refund that the customer agreed to, businesses cannot issue a refund to a credit card they have never received a payment from. For this reason, we've directed the consumer to speak with his bank or financial institution associated with the original payment method.

  Customer Answer

  Date: 09/12/2023

  Complaint:*************
  
  I am rejecting this response because:
  They are not offering me a solution to update my new payment method so that they refund me through it, the card is expired since it has expired date. They can refund me through ****** with no problems***************************************************************************.
  Sincerely,
  
  ******************

  Business Response

  Date: 09/12/2023

  As previously explained, the refund we offered is not related to any settlement. If the consumer has questions about the settlement, they should visit www.ftc.gov/WarriorTrading or call **************. Since Warrior Trading does not administer the consumer redress funds from the settlement directly, it must be handled through the FTC.

  Customer Answer

  Date: 09/12/2023

   
  Complaint:***************
  
  I am rejecting this response because:

  Please I am clear in what I  am saying,  I am not mentioning the FTC settlement,  I am saying that you are saying that you want to refund me but the problem is that I have expired credit card, so my offer to you know to solve this issue with me with my 206 days remaining in my subscription is to refund me through ******* Account and ********************** ***********************will be managing and overseeing this transaction between us as a settlement, then I will withdraw my complaint. 
  
  Sincerely,
  
  ******************

  Business Response

  Date: 09/13/2023

  This was mentioned to the customer in our email correspondence, of which you have received a copy. If we had received the customer's payment via ******, we would have offered to issue a refund via ****** as we have to other customers. However, we explained to the customer that we cannot simply send a payment to an unknown ****** account (or wire money to an unknown overseas bank account, as they also requested). We have never received a ****** payment or wire transfer from this customer, and so there is nothing we could refund through those means. The customer has demanded that we submit a payment to them via ******, not understanding the guidelines that this would require us as a business to violate. We do believe that some of the customer's confusion comes from the fact that the FTC uses ****** as one method through which to provide settlement payments, and so the customer doesn't seem to understand why we cannot also provide a payment through the same means.