Financial Approval Network

Revdex.com: I would like to reject the offer of Arbitration for complaint ID [redacted] .IwI will let my bank handle getting my money back as they told me they could do.I still want my complaint on file for anyone looking into this company Sincerely, [redacted] ***

As stated in my previous response, the refund provided was fair due to the fact that the customer extensively used our services and did not contact us to cancel until after the bill datePartial refund of any amount charged is detailed in the Refund Policy as listed in our Terms and Conditions that the customer agreed to when placing the orderThank you, [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2015/07/02) */ Dear Ms [redacted] , Our server recorded that on 6/16/15, you accessed the Financial Approval Network's order page and input your personal and billing information so that you could become a member of our programYou were billed a $fee and provided a username and password for a 10-day trial period of access to our Online Training web sitePlease be advised that you indicated by check-marking a box on the order page that you had READ and AGREED to the Terms and Conditions of our offer, which clearly states that the $is solely to activate the trial period and provide you with a username and passwordIt appears that even though you check-marked this box, prior to actually submitting your order, that you did not read the terms you indicated that you didPlease visit financialapprovalnetwork.com to view the Terms and Conditions you agreed to when placing the order On 6/16/15, our server also recorded that you logged onto the Online Training web site with the username and password provided to you and you did a live chat with one of our representativesIt appears you were requesting information on how to navigate through the information on the site Since you did not cancel within the trial period, your credit card was billed $on 6/27/for the monthly membership fee and you were provided with an additional days of accessOn 6/29/15, our server recorded that you contacted our Customer Service Department and requested to cancel further chargesThe notes in your account do not reflect that you requested a refund during that callIn addition, since you contacted your banking institution and instructed them to dispute the charge, the customer service representative you subsequently spoke with was unable to issue a credit Ms [redacted] , per your request your account was cancelled on 6/29/and no further charges will be assessedHowever, we are unable to issue a refund for the transaction until we receive notification from your banking institution that the dispute process has been stoppedPlease forward that information to [redacted] @financialapprovalnetwork.com Thank you, [redacted] Customer Correspondence Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) One, again I only remember paying the $to look at a site briefly and thought it was for a temporary search, and pretty sure I didn't do any live chat with anyone, IF SO WHAT DID I SAY?, as I believe your so called server automatically shows this per every callSecondly, the first time I spoke with [redacted] the phone rep for this company, it wasn't until I hung up that I starting thinking about the date she gave me July 26th, and that she was still charging me for a month where I immediately called her back, got her on the phone and asked her did she charge me for a monthAs I did the first time I said that I did not mean to do any monthly membership, and that I wanted my money back, and let her know I had called my bank to challenge this, where by she said no and that I would be charged and her company would be challenging my banks challenge for the month, where by I said to her, the company was a con game and this is BSShe knew from the first call that I wanted my money back, but was so smooth at saying her lines about stopping membership on July 16th, as I'm sure she has to do this many times a day> it wasn't until I hung up immediately after the first call and thought wait...I bet she is still charging me and called her back up immediately to confirmI called in plenty of time, as there so called server should show I never logged onto that site again except the day I paid that $call, as I had no intention to use it, nor think much of it, nor was I thinking there were a laughable $monthly chargeI can only guess how many people there are that do this and become easy prey to these hide and seek scheme fees and they go unchallengedI tried to call immediately on Sat 6/once I saw a pending charge for $but they were closed and that was about 1pm in the afternoonI had to wait till Monday morningThat would of been about a day notice had they been open that SatafternoonAgain I had NO INTENTION OR KNOWLEDGE OF A $MONTHLY FEE, as my expenses cannot afford such a ridiculous amount, and would of NEVER SIGNED UP FOR THIS KNOWINGLY!!!!!!! Final Business Response / [redacted] (4000, 13, 2015/07/21) */ Ms [redacted] , Due to confidentiality restrictions, merchants are unable to contact customer's banking institutionsThe bank and/or credit card company will not provide any information to merchants regarding billing, refund, or dispute transactions As I have stated multiple times, it is your responsibility to retrieve verification from [redacted] that the dispute has been stoppedHowever, you stated in your latest rebuttal that [redacted] advised you to "see it through." I can only assume that you are referring to the dispute process, and so I again am unable to issue a refund Please refer to my first response in which I provided you with specific instructions on the correct steps to take so that a refund could be issued Thank you, [redacted] Final Consumer Response / [redacted] (2000, 15, 2015/07/24) */ (The consumer indicated he/she ACCEPTED the response from the business.) I was merely going through what my bank had said to do in this situationI will inform my bank [redacted] to stop the dispute process,> so you can refund my money as you said you would Thank You, [redacted]

Ms***,I am not quite sure how you not being able to access our email due to your Outlook is the fault of FANAlso, the email was the third notice provided to you in regard to the review programTherefore, even if you did not receive it, you were provided and should have read the information twice before.As for your refusal to work with us regarding your refund, that is your decision to makeHowever, it appears as though your bank did not fully disclose to you how the dispute process worksThat is unfortunate, since the processes for a dispute can drag on for months, with money exchanging hands and you receiving temporary refunds from your bank, and then them taking them back, normally at the most inopportune times for the cardholderAs stated in the previous response, we will not issue a refund to a dispute charge.Thank you, [redacted] ***

Dear Mr [redacted] ,On 6/6/16, an order was placed on our web site for access to our Online Training CenterThe order was placed under the name of [redacted] with the email address [redacted] Please be advised that whoever is placing the order must have the credit card in hand as we verify the CVV code with the credit card company/banking institution to ensure it matchesWe also do an address verification (AVS) to ensure that whoever is placing the order knows the address that the credit card company/bank has on filePlease be advised that the order could not have been placed had your bank indicated that either or both of those filters were not a matchYou may visit financialapprovalnetwork.com to view the Terms and Conditions of our offer and see what was agreed to when placing the order.Dear Mr [redacted] ,On 6/20/16, Ms [redacted] called our Customer Service Department to inquire about the billing on the accountThe order process and review program was thoroughly explained to herIt was also explained that several logins had been made and several lessons were openedNotes from the agent indicate that Ms [redacted] stated that she had older children in the home, and they may have placed the orderAfter going over this information, Ms [redacted] became upset and eventually started cussing at the agent and then disconnected the callMr [redacted] , you stated in your complaint that the agent refused to take your callsThis is not accurate, as you did call back and spoke with the same agent that spoke to your wifeYou indicated to the agent that Ms [redacted] was not an authorized user on your bank account and therefore, you thought the charge should not have been processedIt was explained to you at that time that since Ms [redacted] knew all of the information pertaining to what was on file at your bank, and had the actual card in her hand, that we would have no way of knowing you did not give her authorization to place charges on itYou were then offered a prorated refund of $61.00, which you accepted.Your complaint also mentioned that your wife’s cell phone started receiving harassing text messages from usMr [redacted] , this is a very serious accusation to be placed on our company, so please provide to us the telephone number(s) that these messages came fromThank you, [redacted] ***

Complaint: [redacted] I am rejecting this response because: Their response said I extensively used their services I never used their services because I did not know I had signed up for any type of membership As I said previously, I thought I was being charged $for one thing That was it This website is just another scam to charge people's credit cards without them knowing they had inadvertently signed up for a membership By the time they see the charge, it is too late and the company says we didn't cancel within the trial period SCAM, SCAM, SCAM!!! Sincerely, [redacted]

I have not been refunded all money Thank You

Dear Mr. [redacted] ,Our server recorded that you placed an order for our services on 4/6/16. On the order date, you check-marked a box indicating that you had read and agreed to the Terms and Conditions of our offer. The terms state that the customer is being charged a $1.95 activation fee to be... provided a username (your email address) and password (generated by FAN) for a 10-day trial of access to our Online Training web site. After the box is check-marked and the order is placed, details regarding the review program are again listed on the confirmation page, as well as in a confirmation email. Therefore, you were advised three separate times on the order date of your obligation to cancel within the trial period to avoid further charges. You may visit financialapprovalnetwork.com to read the details of the review program and what you agreed to at the time of your order. Our server also recorded that you logged onto the web site and viewed lessons on how to apply for government grants, which indicates that you did receive the confirmation page and confirmation email.Since you did not contact us to cancel within the trial period you agreed to, your credit card was billed the membership fee of $79.97 on 4/17/16. On 4/25/16, you called our Customer Service Department twice. During the first call it explained to you in detail how the order was placed, what was agreed to, that you utilized our service on more than on occasion, and that you would receive a pro-rated refund of $50.00 because of the amount of days you were cancelling after the bill date. It was during the explanation to you of the pro-rated refund that you started to cuss and yell at the representative. Therefore, you were advised that the agent would not allow you to speak to her in that manner and that she was disconnecting the call. It is unfortunate that you took her not allowing herself to be cussed at as rude. You then called back, apologized to her, and requested that the $50.00 refund be processed. At no time during either call did she advise you that she was issuing the refund so that you would "shut up about it" as you stated in your complaint.Mr. [redacted] , as was requested of you several times during your calls, please visit the web site at financialapprovalnework.com so that you can see what you agreed to in regard to the review program and refund policy. The pro-rated refund of $50.00 has been issued and will post to your account within 5-10 business days. Thank you, [redacted] ***

Dear Mr***,
The date of the cancellation and the person who actually processed the cancellation is not in disputeThe order was cancelled by one of our representatives on 12/29/when you contacted us to inquire about the chargeIt was at that time that the order process, trial period, and refund policy were explained to you
To reiterate, you placed the order on 12/16/and agreed to the Terms and Conditions of our offerA successful login was made on that same date using your email address and the password we provided to you on the confirmation pageWhen we did not receive your request to cancel within the trial period, your credit card was billed $on 12/27/Per the terms of our refund policy, which you agreed to when placing the order, a prorated refund of $was processed on the cancellation date of 12/29/15, two days after billing
Mr***, since you did agree to the terms, did log in using the username and password provided to you, and did not cancel until two days after billing, the appropriate refund has been processedNo further refund is due at this time
Thank you,
*** ***
Customer Correspondence Manager

Dear Ms***,Our server recorded that you placed an order for our services on 4/15/On the order date, you check-marked a box indicating that you had read and agreed to the Terms and Conditions of our offerThe terms state that the customer is being charged a $activation fee to be
provided a username (your email address) and password (generated by FAN) for a 10-day trial of access to our Online Training web siteAfter the box is check-marked and the order is placed, details regarding the review program are again listed on the confirmation page, as well as in a confirmation emailTherefore, you were advised three separate times on the order date of your obligation to cancel within the trial period to avoid further chargesYou may visit financialapprovalnetwork.com to read the details of the review program and what you agreed to at the time of your orderIt is unfortunate that instead of contacting us directly, you chose to contact your bank and the Revdex.com to file a complaintBecause of this, we are unable to issue a refund since you stated you have already contacted your bank to dispute the chargeIf you would like to resolve this matter with FAN, please contact us at ###-###-####.Please be advised that we will need verification from your banking institution that the dispute process has been stopped before any refund can be issued.Thank you,*** ***

Initial Business Response /* (1000, 6, 2015/09/28) */
Mr***,
On 9/24/15, we received an email from you indicating that you had previously cancelled your account, yet you were billed againA response email was sent advising you that we did not have a record of a previous cancellation, but
that the charge was voided and you would not actually be billed for the transaction
I do hope this satisfies your request
Thank you,
*** ***
Initial Consumer Rebuttal /* (2000, 7, 2015/09/28) */
My complaint was resolved by Financial Approval Network, F.A.N.; Thank you !!

Initial Business Response /* (1000, 6, 2015/09/30) */
Dear ***,
We are in receipt of your complaint requesting a refund for the remaining balance to your accountYou stated that you were not made aware of the trial period and that you cancelled on the 10th day of the trial
Our server
recorded that you placed the order on 9/14/Eleven days later, on 9/25/15, per the terms you agreed to when placing the order, you were billed $Three days after the bill date, on 9/28/15, you contacted us to cancel and request a refundYou were advised that we prorate refunds based on the amount of days that has passed from the bill date to the cancel dateTherefore, you were issued a refund of $
***, you are welcome to visit the Financial Approval Network.com web site and see that you did agree to the terms of our offer prior to submitting the order by check-marking a box that you had read the termsIn addition, the terms are reiterated on the confirmation page, as well as in a confirmation email that was sent to your email address on the order dateSince three attempts were made to advise you of your obligation to cancel to avoid billing, and you did not cancel until three days after billing, the balance of the charge is not eligible for a refund
Thank you,
*** ***
Initial Consumer Rebuttal /* (3000, 8, 2015/10/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was not notified three times to cancel my billing - not one time!
Final Business Response /* (4000, 10, 2015/10/07) */
Dear Ms***,
Please visit the web site at FinancialApprovalNetwork.com to see that the customer must check-mark a box indicating that they have read and agree to the terms prior to placing the orderAfter the order is placed the trial period information is reiterated on the confirmation pageAnd finally, for a third time in a confirmation emailBelow is the email that was sent to your email address on the order date:
Dear ***,
Welcome to the Financial Approval Network!
Congratulations, you have made the first step to satisfying your financial
needs!
You can now login to the members site to learn about some of the exciting
funding sources available to you todayThe first step is to read the eBook
for the specific department you will be applying for money from
Would you like to know more?
You *** login to learn more at: ***
Username: your email address
Password: *** credit card has been billed $
We are delighted to welcome you and your family to our personal day trial
offer of this outstanding system
==========================================================
Here are some of the exciting highlights of the Financial Approval Network
you should expect to see in the days ahead:
- Reading Financial Approval Secrets Exposed!
- Ultimate Fund Finder Database!
- Scholarship and Loan Search Access!
- Application Wizard!
- Course: Funding Approval
* Audio books coming soon! *
You don't have to wait to get started! Right now you can start with your
online access, adding many features that weren't possible before, including
instant updates!
Your account has been activated and you have immediate access to a wealth of
information by logging into the Members Online Training Center
REMEMBER: THE WEBSITE IS UPDATED ALMOST DAILY, SO LOG IN OFTEN!
For your security, each time you log in to use the program, you will be
asked to provide your User Name and PasswordThis is a safety measure we
provide to ensure maximum protection for our membersIf, at any time, you
need assistance, simply call our customer service department at
X-XXX-XXX-XXXXOur knowledgeable customer service representatives are
always happy to assist you
The risk-free trial fee of $for this day trial offer has been charged to the credit card you providedWhen the day trial is over, we will charge your credit card $You will see this number (X-XXX-XXX-XXXX) on your statementTo assure your uninterrupted, continuous access to the members site, we will then begin charging your credit card $each and every month unless you contact us to cancel your membershipAnd, of course, if you are not happy within the first days, then simply call the toll free number and your program will be canceled and no further costs will be incurred
Once again, welcome! We look forward to helping you find the funding solution that works for you!
Sincerely,
Success Team,
Financial Approval Network
X-XXX-XXX-XXXX
As you can, the information does provide you with the trial period information as well as the multiple ways of cancelling
Thank you,
*** ***

Initial Business Response /* (1000, 6, 2015/12/17) */
Dear ***,
Per your request, a refund of $has been issued to your credit cardPlease allow 5-business days for the refund to post to your account
Our server recorded that you cancelled through our automated telephone system
the afternoon of 12/14/However, you did not request to speak to a customer service representativePlease be advised that had you made that request, the refund would have been issued on that dayUnfortunately, not speaking with us directly, and instead filing a complaint with the Revdex.com which we did not receive until 12/17/15, has delayed the funds being returned to your account
You may visit the web site at FinancialApprovalNetwork.com to read the Terms and Conditions that you agreed to when placing the order, which clearly state the customer's obligation to cancel to avoid further charges
Thank you,
*** ***
Customer Correspondence Manager
Initial Consumer Rebuttal /* (2000, 8, 2015/12/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Dear Ms***,Our server recorded that you placed an order for our services on 4/2/On the order date, you check-marked a box indicating that you had read and agreed to the Terms and Conditions of our offerThe terms state that the customer is being charged a $activation fee to be
provided a username and password for a 10-day trial of access to our Online Training web siteOnce the box is check-marked and the order is placed, details regarding the review program are listed on the confirmation page, as well as in a confirmation emailTherefore, you were advised three separate times on the order date of your obligation to cancel within the trial period to avoid further chargesYou may visit financialapprovalnetwork.com to read the details of the review program and what you agreed to at the time of your order.On 4/15/16, you contacted our Customer Service Department and was advised of our Refund PolicyYou were not told that you would not receive a refundOur records indicate that the agent explained the order process and refund policy and that since the membership fee billed on 4/13/16, she proceeded to issue a pro-rated refund of $to your credit cardAs she stated, please allow 5-business days for this refund to post to your account.Per your request, access to the site has been terminated and you will not be billed anything furtherI do hope this satisfies your request.Thank you,*** ***

Dear Mr***,
We are in receipt of your complaint to the Denver/Boulder Revdex.com and your request for a full refund of the monthly membership feeA full refund is not going to be provided at this timeAll refunds are subject to a pro-rated amount and includes a $late
cancellation fee and $3/day for failing to cancel within the trial period
1) You stated that you paid the $fee but claim we did not tell you anywhere that it was a 10-day trial and if you did not cancel you would have to pay $When you placed the order you had to check mark a box that states, "I agree to the Terms & Conditions and Privacy Policy." Therefore, you should have been well aware that you were paying $to activate a 10-day trial period of access to the Online Training Center, and that failure to cancel within the trial period would subject your credit card to a monthly payment of $
Mr***, it is unfortunate that you did not read these terms & conditions as you had indicated you had when you placed the order, or the welcome email we sent you with your username and password which also reminds you of the trial periodHowever, this is not the fault of Financial Approval NetworkWe provided you with a service that you chose not to follow up withOur server indicates that you canceled your account with us on 12/31/A pro-rated refund in the amount of $has been issuedPlease allow five business days for the refund to reflect in your account
Thank you,
***
Financial Approval Network

Dear Mr***,
We are in receipt of your complaint to the Denver/Boulder Revdex.com and your request for a full refund of the monthly membership feeA full refund is not going to be provided at this timeAll refunds are subject to a pro-rated amount and includes a $late
cancellation fee and $3/day for failing to cancel within the trial period
1) You stated that you paid the $fee but claim we did not tell you anywhere that it was a 10-day trial and if you did not cancel you would have to pay $You also indicate that you we unaware that you were no longer on the unemployment website, however the site clearly states that you are on Financial Approval NetworkWhen you placed the order you had to check mark a box that states, "I agree to the Terms & Conditions and Privacy Policy." Therefore, you should have been well aware that you had diverted away from the unemployment site and you were paying $to activate a 10-day trial period of access to the Online Training Center, and that failure to cancel within the trial period would subject your credit card to a monthly payment of $
Mr***, it is unfortunate that you did not read these terms & conditions as you had indicated you had when you placed the order, or the welcome email we sent you with your username and password which also reminds you of the trial periodHowever, this is not the fault of Financial Approval NetworkWe provided you with a service that you chose not to follow up withOur server recorded that you indeed received your unique username and password information and logged onto the Online Training Center on 12/16/at 1:31pm MSTOur server also indicates that you canceled your account with us on 12/29/The notes in the account reflect that you continued to argue with the agent that we will charged your card multiple times and requested a supervisorYou were advised that we record on our server any attempt made to your card and we had only billed your card the single charge of $At that time you were denied a supervisor as any further questions in regards to this multiple billing would need to be addressed with the financial institution associated with your credit cardA pro-rated refund in the amount of $has been issuedPlease allow five business days for the refund to reflect in your account
Thank you,
***
Financial Approval Network

Initial Business Response /* (1000, 5, 2015/07/17) */
Dear Ms***,
On *** you logged onto the *** *** web site during non-business hours and sent a "chat email"You basically stated the same complaint as above, that you did not find "anything" that would guide you to apply for
a grant and you were requesting a refund of the *** or you would file a complaint with the Revdex.comA response was sent indicating that the charge was voided and your account was cancelled
Please be advised that our server records in the notes detail of our customer database each time a customer logs in, as well as the lessons and resources they open while on the pageOur server recorded that you only logged in one time and did not open any lessons or access the online *** Our response to your chat email explained to you that we teach people the correct process of applying for a grant, and that starts with actually opening and viewing the lessons we provideAnd again, that the charge was voided
Ms***, you are not due a refund as the charge was never processedYour account was cancelled per your request and you are no longer a customer of *** *** *** I do hope this satisfies your request
Thank you,
*** ***

(The consumer indicated he/she DID NOT accept the response from the business.)
I did call and request to have this cancelled after the first charge on my cardHowever, they did not process the cancellation and continued to bill meI was told that it would take time for this to processNow we are on the 3rd billing of this chargeThe rude lady at the company claims that she does not know anything about this earlier call and she requested a confirmation number for it which I was not givenWhen calling the last time she was very defensive and ugly talking to me and she hung up on me and still did not give me a confirmation numberApparently, that is not their procedure to give a number, but they request it if you have a problem with their systemI still am requesting a full refund of my money (billing cycles)

I have not been refunded all money.  Thank You

(The consumer indicated he/she DID NOT accept the response from the business.)
1. There was no argument...the customer service or lack there of was just very very unprofessional.
2. What I stated was, I was unaware the $1.95 was not affiliated to my VEC filing. Which prompted you to become very disrespectful. When I requested a refund, you became even more disrespectful and mumbled something about a prorated refund...then hung up.
3. I then called back, and you answered "What do you need now..." I requested to speak to a manager or supervisor. You stated that wasn't going to happen and hung up again.
Lastly,
As you can see, or your "servers" will show. I never logged into any site to use whatever service you claim to provide. Also, I never logged in to cancel anything,YOU actually processed the cancellation. So that is completely false. I would like the remainder of my money refunded.

Thank You
Michael Clark