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:06/25/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 19th, 2025, I payed the amount of $5,997 to Replace Your University ***** for the service of assisting me with getting a Business Line of Credit (****). Based on their ads and the initial meeting on May 19th, 2025 I was not told that the **** was the same as stacking business credit cards and then aggregating them via plastiq to then use as cash. I made sure in my initial call to let the sales agent know that I already possess business credit cards and I was assured that the process I will go through is not that of getting more business credit ********** are my concerns:1. I believe this was FALSE ADVERTISING from the beginning and had I know that their **** involved stacking credit cards I would have not signed up for their services. Their main product is helping clients to get a ***** but if you weren't eligible for a ***** they help you get a "****". 2. In my initial request for a full refund, I was told that you get a full refund back only if you're ineligible for their services. Since I was already ineligible for the ***** services, why am I not deemed ineligible for the **** services since I already have a few business credit cards and understand how to use it with plastiq.3. Prior to paying to $5,997 I was not told that the lender for the "****" would be a third party company. Once I met with the 3rd party company they were not very familiar with the way *** packaged the "****" services. At this point I was very disappointed with the company.4. *** tried 'pushing' another service on me they claimed I'm not giving a chance with. Now they wanted me to do a "PLOC" Personal Line of Credit. This involves placing a loan/credit on the personal side which I highly objected to because the entire idea of me seeking out ***** services was NOT to increase my personal credit usage. 5. My refund was requested only 6 days after joining the program. I couldn't believe that it would come to this. They refunded me only $2,000 which will take a while!

  Business Response

  Date: 06/26/2025

  I have attached the chain of emails that went on between Elroy and our staff.  Overall, from his responses it appeared he felt a little blind-sided, but seemed pleased with the $2,000 partial refund.  The refund was processed on June 17th and I would think that it is in his account by now.  I didn't see him filing a dispute with the BBB.

  Business Response

  Date: 06/26/2025

  Thank you for bringing this matter to our attention. At Replace Your University (RYU), we are committed to transparency and client satisfaction, and we take all feedback seriously. We have reviewed the complaint submitted by Mr. Elroy Murray regarding his experience with our services, and we appreciate the opportunity to address his concerns.
  We acknowledge Mr. Murray’s disappointment and the confusion surrounding the Business Line of Credit (BLOC) strategy. We sincerely apologize for any lack of clarity in our initial communications. Our goal is to provide clear, actionable financial education, and we regret that Mr. Murray felt misled about the nature of the BLOC, which involves leveraging business credit as part of a broader funding strategy. We also understand his frustration upon learning that the BLOC process involves a third-party vendor, which may not explicitly communicated during the initial consultation.

  
  To clarify, our program is designed to offer flexible funding strategies, including BLOC and Personal Line of Credit (PLOC) options, tailored to each client’s financial situation. The BLOC is not solely about stacking business credit cards but involves a strategic approach to optimize funding, which can include credit cards, lines of credit, or other tools. While we offer access to third-party vendors for clients seeking maximum funding, this is optional, and clients can pursue other avenues independently. We are sorry that this distinction was not made clear to Mr. Murray upfront.

  
  Regarding Mr. Murray’s eligibility, our Client Expectation Agreement outlines that full refunds are reserved for clients deemed ineligible for our strategies. Based on our assessment, Mr. Murray was eligible for both the BLOC and PLOC strategies, which could have helped him achieve his financial goals, such as eliminating personal debt within 24 months. However, we respect his decision not to pursue these options, particularly his objection to increasing personal credit usage via a PLOC.

  
  In response to Mr. Murray’s refund request, made six days after joining the program, we offered a goodwill gesture of a $2,000 partial refund, despite his situation not meeting the full refund criteria. This refund was processed on June 17, 2025, and should have been reflected in his account within 3-5 business days. We have attached the email correspondence between Mr. Murray and our staff, which confirms the refund process and Mr. Murray’s acknowledgment of the resolution. We are unaware of any issues with the refund and would be happy to investigate further if Mr. Murray has not received it.

  
  We value Mr. Murray’s feedback, which has prompted us to review and improve our communication processes, particularly regarding the BLOC and third-party involvement. We remain committed to supporting our clients and would welcome the opportunity to reconnect with Mr. Murray to explore how we can further assist him with his financial goals.
  Thank you for facilitating this dialogue. Please let us know if additional information or action is required.

  Business Response

  Date: 06/26/2025

  The client agreed to, signed and received the refund. Attached is the signed confirmation and now he's complaining to the BBB. We made an effort to keep him happy and thought we did so, but surprisingly find this complaint. 

• Initial Complaint

  Date:04/01/2025

  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.

  At the beginning of March, I came across an ad that says I can payoff my mortgage within 5-7years and save hundreds of thousands on interest. I put in an interest form, had someone call me, asked me very detailed financial questions and come out with a calculation that I will save over $300,000 in writing by switching to ***** and utilizing their strategy. When I asked for the details of the strategy, I was told that they can only share it after I paid for the service but they can promise me the savings. This is in writing. I have the email and text exchanges with the screenshot of projected savings. Once I paid for it, I had to take an estimate of 50 hours of education and did the design meeting. At the design meeting, I was given access to the strategy spreadsheet which states how much I will be saving by utilizing the strategy. I plugged in the number into my own spreadsheet and learnt that the savings will be close to what I will save by putting in the same amount of money into the mortgage. The only thing they had to say at that point is that the money on mortgage is not access but HELOC is. I have all of the screenshots and the calculator that they provided. I can see how others can easily be scammed by how they manipulated the numbers but this isnt fair. I caught it because I am proficient in math and am able to tell that this is a scam. They advertised an A+ rating for BBB but Im not sure if its even legitimate at this point.

  Business Response

  Date: 04/08/2025

  Thank you for sharing your feedback with us through the Better Business Bureau. We truly value the opportunity to hear from our customers and are sorry to hear that your experience with our service fell short of your expectations. Our team is dedicated to helping clients achieve their financial goals, and we take your concerns very seriously.

  
  We understand your frustration regarding the mortgage payoff strategy and the savings projections you were provided. Our approach utilizes a Home Equity Line of Credit (*****) to accelerate mortgage repayment while maintaining financial flexibility, which differs from simply applying extra funds directly to a mortgage. In your case, after reviewing your situation in detail during our second design meeting, we calculated interest savings of approximately $276,000 with a payoff timeline of about 4.6 yearsnumbers we worked through together. We regret that this fell short of the $300,000 initially projected and any confusion this caused. Our intent is always to provide accurate estimates tailored to each clients unique financial picture.

  
  We also recognize your point about achieving similar savings by applying additional cash flow directly to your mortgage. During our discussions, we aimed to highlight the added benefit of liquidity with the ***** strategy, as locking funds into a mortgage reduces access to that capital. However, we understand that flexibility may not have been your primary focus, and were sorry if this distinction wasnt communicated as clearly as it could have been upfront.

  
  Regarding your experience with our process, we apologize if you felt details were withheld prior to payment. Our education program and design meetings are designed to fully explain the strategy after enrollment, but we see how this structure may have left you feeling uncertain before committing. Your feedback about this is invaluable, and were reviewing how we can better set expectations from the start.

  
  Customer satisfaction is our priority, and were committed to making this right. Despite the projected savings of $276,000, we would have been happy to discuss a potential refund to address your concerns. Unfortunately, we were not given the opportunity to do so, as the charge was disputed directly with your credit card company. We also reached out to you by phone and left a voicemail to discuss this further, but we have not received a returned call. Wed still like to offer a detailed, one-on-one session to explore any alternative strategies that might better align with your goalsor, if preferred, discuss a resolution that works for you. Please reach out to us directly at [insert contact info] so we can resolve this to your satisfaction. Were proud of our A+ rating with the BBB and strive to uphold it by addressing concerns like yours promptly and transparently. Thank you again for your inputit helps us improveand we look forward to working with you to find a solution.

  Customer Answer

  Date: 05/01/2025

  BBB has closed my complaint when the business responded saying that dispute has been placed and they are not able to refund. The business did not make an attempt to contact me when they have access to my direct email. The business rebuked me after the case was close with BBB. Heres the case ID: ********

  Business Response

  Date: 05/12/2025

  Hello, 

  A response was sent on April 8th regarding this complaint. Not sure why it says that a response has not been received. We tried speaking with the client and she never answered us back. She disputed the payment with the bank already. 

• Initial Complaint

  Date:01/06/2023

  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.

  On October 4th, 2022 I purchased a training program with a money-back guarantee. The program cost $6,997.00. I was assured that I had nothing to lose and that if I could not obtain results I would be given the money back. I asked for my money back on Monday, December 5th. Since that date, I have had correspondence with a representative who keeps telling me that I will be getting a call. Dec 5th "your representative will get back to you"Dec 8th "sorry not avoiding you, did you get denied a HELOC from one of our vendors?" Dec 8th I replied "yes" and sent proof of the letter as requested.Dec 14th "sorry for the delay refund request submitted"Dec 14th I replied "thank you for helping me"Dec 23rd I asked to see how long the process should be taking. Dec 26th "Merry Christmas, I will follow up and let you know by end of the day"Jan 3rd I requested a status update Jan 3rd "walking into the office I will personally check on this for you"Jan 5th I state that I feel like I'm being blown off and can someone please help me find a resolution. Jan 5th "didn't you get a phone call?"Jan 5th I replied "no, but I did miss a phone call that was marked as spam, I suppose that could have been your office?" No voicemail was left. Jan 5th "Someone will call you today" Jan5th 9pm : phone has been on all day and no missed calls.... filing a complaint in hopes of getting someone at the company to do the right thing.