Worth Unlimited, LLC

We have spoken with Ashley and resolved her concerns

We have spoken with [redacted] and resolved his concerns to his complete satisfaction

The Worth Account's purpose is to pay off debts as quickly as possible in a way that will save as much interest as possible long-termThe debt pay-off plan is based on each client's specific financial situation; the program examines the income and payments of the user and determines how much discretionary income they have and when they have it (factoring in upcoming expenses), and calculates where that money should be used to make strategic, principal-only payments toward debt, which we call "funds transfers." Because the program uses discretionary income (which we define as the money left over after paying all bills, including entertainment) for these extra, it does not require clients to change their lifestyles or change their payment dates or payment amounts; the funds transfers are separate from their regular paymentsThe program's debt elimination plan is based on math, not magic, and the payoff acceleration is accomplished by using discretionary income as wisely as possible (where it will eliminate the most interest long-term), not on making payments on a specific date to somehow eliminate interestIn most cases, this means that clients will pay off smaller debts to free up more discretionary income, which will subsequently help pay off larger debts, which is what will save the most interest in the long runAshley seems surprised by this, but it's straightforward debt elimination logicThe fact that it's straightforward does not make it invalid, thoughThe program's greatest value is in its ability to track our discretionary income to the penny (again, taking into account the ups and downs that we all go through every month, as well as upcoming expenses that may not occur on a monthly basis) and calculate what is best to do with that discretionary income to pay off debt the smartest (fastest) way possibleThis is how the videos that Ashley references explain the Worth Account, not the way Ashley says they do (see this link for the videos in question, particular the video entitled "Overview")In order to perform these calculations, the program does indeed utilize algorithms as Ashley was told, but again there is not magic in that, just mathWe spoke with the agent that sold Ashley the program, and he stated that he is certain that he accurately described to Ashley how the program works, even showing her a demonstration of the program before she bought it.Ashley financed her purchase of the program on 11/4/and signed a contract agreeing to make payments for the balance (see the attached documents)She called us on 11/13/2014, and we talked her through the Setup Wizard for her program (the series of preliminary screens that allow the user to tell the program about their finances in order to establish a start point for the debt elimination plan)We scheduled her a training appointment for 11/18/2014, but we were unable to contact her for the appointmentShe called back later that day for additional support on the Setup Wizard, which we providedTwo months later on 1/7/we called her because she charged back her first monthly finance paymentShe stated that she hadn't recognized the charge and that she would have the charge back reversed, which she didWe scheduled her another training appointment for 1/9/By this time she was well past her three-day right of rescission and still intended to use and pay for the programWe called her for that appointment, but her phone went straight to voice mailWe left her a message asking her to call us back, but she never didOn 2/13/and 2/17/we left Ashley voice mail messages asking her to call us back with updated finance payment information because her February payment had not processed successfullyShe called us back saying she wanted out of her finance contract because she didn't want to take the time to use the program regardless of the $95,of future interest that the program would save herIn her words, she was "...okay with that" (not saving the interest the program would save her)We called her back and left her a voice mail message letting her know that she couldn't cancel her finance contract, which we reiterated to her on 2/19/over the phoneShe stated that she believed using the Worth Account would be a full-time job because her mortgages don't allow online paymentsShe was under the impression that the program would change all of her debt payment dates and that she would be constantly running around trying to avoid late feesWe cleared up that confusion, explaining that SHE is the one that tells the program when her payments are due and that the program only occasionally tells her to make extra payments to debtShe provided us with updated finance payment information and scheduled her ANOTHER training appointment for 2/20/We told her what information she would need to gather in advance to complete her Setup WizardUnfortunately, she didn't show up for that appointment, either (third missed training appointment)We left her a voice mail message asking her to call us back, which she didn't do until five months later on 7/31/We scheduled and completed a training appointment on 8/5/2015, and the trainer noted that Ashley understood everythingHowever, Ashley called back a few minutes later saying she wanted a refund on the program, stating that she thought the program would somehow pay off her debts faster by changing her monthly payment dates but without ever sending any extra payments to principal, even though we had cleared up that confusion five months previouslyWe told her (again) that she couldn't cancel her finance contract, to which she replied that she would file a complaint with the Revdex.com.Ashley seems to not want the program to work for herWe have provided support the only two times she has called us for help and scheduled four training appointments for her before we were finally able to get hold of her to complete oneHer demand that the program somehow pay off her debts dramatically faster by simply changing her payment dates without sending any extra money toward principal is simply impossible and is not how the videos Ashley refers to or her selling agent explained the programThe Worth Account will absolutely work for Ashley if she chooses to use it, and she is capable of saving tens of thousands of dollars in future interest with its help, but only if she follows the plan it has established for herIn short, this appears to be not a case of advertising, but rather a case of Ashley misunderstanding what was explained to her and then deciding that she doesn't want to use or pay for the program after all, in spite of our efforts to help her understand how to use it and how it works

Complaint: ***
I am rejecting this response because:The advertising of Worth Unlimited was and continues to NOT be straightforward and honest In fact, I have worked in the mortgage lending industry for almost yearsTo say that I simply 'didn't understand' after it had been explained to me seems like an easy way to blame their misleading advertising on me I asked questions about how it works and never did anyone tell me that the program tells you to pay off high interest debt first then use the rest of your 'extra' income to pay off the other debts.The agent who sold me this program, had purchased the program but never actually used it himself In fact, this agent was quite pushy and has continued to contact me to the point of harassment and being rude about if I had started using the program and trying to get me to sell this program to other people in a 'pyramid type scheme' Finally, he has stopped contacting me after almost an entire year.This video clearly states that "overpaying your mortgage is robbing you of the life you could have" see the slide that shows on second of the video they link toOverpaying your mortgage with additional principal only payments is exactly what the Worth Unlimited program instructs you to do Then at the minute second mark the slide says: Thanks to an online banking solution called the Worth Account Done Making Mortgage Payments" This statement isn't clear about what the worth account actually is and does for you.Next at the minute second mark the video states that you don't have to increase your minimum monthly payment along with text on the slide showing this.This is not clear advertising Worth Unlimited guides people to pay down debt faster by making additional monthly payments which is the exact opposite of what the video states.The representative from Worth is correct regarding appointments for training There have been a few appointments that I was unable to make due to unforeseen family responsibilities During a few of our scheduled appointments the worth representative called late which impacted my ability to take the call.Worth is correct that on 8/we did set up and complete a training Because the software is bulky and not very user friendly, I was unable to properly set up my account before the training During the call on 8/the system was saying that we didn't have enough income to cover all of our monthly debt payments (This isn't the case in reality, the system wasn't clear if I should enter all the rental income we receive even if most of it goes towards mortgages and other expenses.) So at the time of the training call the system wasn't giving me any prompts about what actions to take It was just showing how many months we had left until our money ran outI confirmed with the trainer that I knew what I needed to do to get the program to give me prompts on what actions to take I never stated that I understood how the program worked, because up to this point no one was honest with me I then spent about a hour correcting all the information so that they system could run it's algorithms It was after this extra time and effort that I realized (for the first time) that the program just tells you to pay off your high interest debt first then use all your extra cash towards paying down your lower interest debt such as mortgages This is a very simple financial principal that wasn't advertised or communicated clearly.Worth Unlimited states: Ashley seems to not want the program to work for her.They are exactly correct, I do not want the program to 'work for me' This program was not advertised clearlyI do not want the program to work for me, because it would prevent us to continue growing our real estate investing business.Had worth unlimited and it's representatives been truthful and forthcoming from the beginning I would have known this wasn't a good fit for meI wouldn't have signed an agreement to pay them $3,and we wouldn't be in the position we are now.I am still requesting that the contract be canceled and that I receive a full refund for the amount paid so far (If this drags out any longer, that amount paid may increase as monthly payments are being withdrawn.)Lastly, on a side note - Worth Unlimited - doesn't use their name on the debits it takes from banking accountsThis is why I didn't recognize the charge and disputed it with my banking organization.Revdex.com - Thanks in advance for your time and efforts with this
Sincerely,
Ashley W***

We have spoken with Ashley and resolved her concerns.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I am waiting for their check directly to me then I ll closed this case immediately. Please give me a week in advance. 
Thanks. 
Sincerely,
[redacted]

The Worth Account's purpose is to pay off debts as quickly as possible in a way that will save as much interest as possible long-term. The debt pay-off plan is based on each client's specific financial situation; the program examines the income and payments of the user and determines how much...

discretionary income they have and when they have it (factoring in upcoming expenses), and calculates where that money should be used to make strategic, principal-only payments toward debt, which we call "funds transfers." Because the program uses discretionary income (which we define as the money left over after paying all bills, including entertainment) for these extra, it does not require clients to change their lifestyles or change their payment dates or payment amounts; the funds transfers are separate from their regular payments. The program's debt elimination plan is based on math, not magic, and the payoff acceleration is accomplished by using discretionary income as wisely as possible (where it will eliminate the most interest long-term), not on making payments on a specific date to somehow eliminate interest. In most cases, this means that clients will pay off smaller debts to free up more discretionary income, which will subsequently help pay off larger debts, which is what will save the most interest in the long run. Ashley seems surprised by this, but it's straightforward debt elimination logic. The fact that it's straightforward does not make it invalid, though. The program's greatest value is in its ability to track our discretionary income to the penny (again, taking into account the ups and downs that we all go through every month, as well as upcoming expenses that may not occur on a monthly basis) and calculate what is best to do with that discretionary income to pay off debt the smartest (fastest) way possible. This is how the videos that Ashley references explain the Worth Account, not the way Ashley says they do (see this link for the videos in question, particular the video entitled "Overview"). In order to perform these calculations, the program does indeed utilize algorithms as Ashley was told, but again there is not magic in that, just math. We spoke with the agent that sold Ashley the program, and he stated that he is certain that he accurately described to Ashley how the program works, even showing her a demonstration of the program before she bought it.Ashley financed her purchase of the program on 11/4/2014 and signed a contract agreeing to make payments for the balance (see the attached documents). She called us on 11/13/2014, and we talked her through the Setup Wizard for her program (the series of preliminary screens that allow the user to tell the program about their finances in order to establish a start point for the debt elimination plan). We scheduled her a training appointment for 11/18/2014, but we were unable to contact her for the appointment. She called back later that day for additional support on the Setup Wizard, which we provided. Two months later on 1/7/2015 we called her because she charged back her first monthly finance payment. She stated that she hadn't recognized the charge and that she would have the charge back reversed, which she did. We scheduled her another training appointment for 1/9/2015. By this time she was well past her three-day right of rescission and still intended to use and pay for the program. We called her for that appointment, but her phone went straight to voice mail. We left her a message asking her to call us back, but she never did. On 2/13/2015 and 2/17/2015 we left Ashley voice mail messages asking her to call us back with updated finance payment information because her February payment had not processed successfully. She called us back saying she wanted out of her finance contract because she didn't want to take the time to use the program regardless of the $95,000 of future interest that the program would save her. In her words, she was "...okay with that" (not saving the interest the program would save her). We called her back and left her a voice mail message letting her know that she couldn't cancel her finance contract, which we reiterated to her on 2/19/2015 over the phone. She stated that she believed using the Worth Account would be a full-time job because her mortgages don't allow online payments. She was under the impression that the program would change all of her debt payment dates and that she would be constantly running around trying to avoid late fees. We cleared up that confusion, explaining that SHE is the one that tells the program when her payments are due and that the program only occasionally tells her to make extra payments to debt. She provided us with updated finance payment information and scheduled her ANOTHER training appointment for 2/20/2015. We told her what information she would need to gather in advance to complete her Setup Wizard. Unfortunately, she didn't show up for that appointment, either (third missed training appointment). We left her a voice mail message asking her to call us back, which she didn't do until five months later on 7/31/2015. We scheduled and completed a training appointment on 8/5/2015, and the trainer noted that Ashley understood everything. However, Ashley called back a few minutes later saying she wanted a refund on the program, stating that she thought the program would somehow pay off her debts faster by changing her monthly payment dates but without ever sending any extra payments to principal, even though we had cleared up that confusion five months previously. We told her (again) that she couldn't cancel her finance contract, to which she replied that she would file a complaint with the Revdex.com.Ashley seems to not want the program to work for her. We have provided support the only two times she has called us for help and scheduled four training appointments for her before we were finally able to get hold of her to complete one. Her demand that the program somehow pay off her debts dramatically faster by simply changing her payment dates without sending any extra money toward principal is simply impossible and is not how the videos Ashley refers to or her selling agent explained the program. The Worth Account will absolutely work for Ashley if she chooses to use it, and she is capable of saving tens of thousands of dollars in future interest with its help, but only if she follows the plan it has established for her. In short, this appears to be not a case of false advertising, but rather a case of Ashley misunderstanding what was explained to her and then deciding that she doesn't want to use or pay for the program after all, in spite of our efforts to help her understand how to use it and how it works.

We have spoken with [redacted] and resolved his concerns to his complete satisfaction.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. They have agreed to cancel the account and refund all payments made to date.
Sincerely,
Ashley W[redacted]