Complaints

This profile includes complaints for Replace Your University's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Replace Your University

  730 Cool Springs Blvd Franklin, TN 37067-7289

  
• 

  Replace Your University

  Franklin, TN 37067-6323

  

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: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.

• 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.