My husband saw on Facebook an add for 12 jogging suits for $34.99 and thought it was a legit company. We waited for 18 days only to see no product. He received tracking and it said the package was delivered Monday morning at 2:41 am and later 4:21 pm. To which no package was delivered. The tracking was through China Post, to be delivered by UPS or DHL, and neither said they had a tracking number associated with our order. There is no phone number for the company only an email.

Carter Toronto advertises as a Canadian company with a 30 day refund policy. In fact, *** ******* ** **** ** ***** *** there is no resemblance to what is advertised. The shoes are not leather and are cheaply made. They would not refund my money as advertised and advised that a full refund would only be possible if the goods were shipped back to their warehouse ** ***** at the purchasers expense, the cost of which is prohibitive.

i get over 10 calls a day about a loan i never requested. I have selected the do not call option but they keep coming every day.

I tried to buy a necklace from them for $14.68 on 11/16/2025, they charged me from a different company name, they charged me $10 dollars more than I agreed to pay. I called and they said it was because they upgraded my shipping, which I didnt ask for, I got no confirmation email of a purchase or anything, they said they would refund the $10.00 within 7 days. Over a week later now, no refund, no shipping email, and they charged me another $39.99, on 11/25/2025. I called and they said it is because they signed me up for their membership which I did not agree to. They said they would cancel the charge and It would be done within 3 days, and they would not be billing me again but if this isnt fraud I dont know what is. No product no confirmation email of a purchase no email about any items shipped, and charged me $64.67 for something that shoukd have been a 1 time $14.68 charge. Thats what I agreed to.

Hello, I hope you had a great weekend..... My direct line 855-909-0817..... potential approval for about 67,000 dollars.... SEVERAL CALLS A DAY FROM MULTIPLE NUMBERS BUT SAME MSG

Hi my name is Adam Robinson with national process service this call is intended for ***** reference number **** this is a formal notice regarding a noncompliance notice that has been filed against you if you have not received this notice properly by mail please contact litigation's office immediately to request a copy to be sent out certified mail please note this complaint can move forward legally without your consent within 1 to 2 business days feel free to contact the office for any further questions at 855-443-5574 please consider yourself notified thank you…

Call from 513-257-0121. Looking to contact my family. Message states "My name is Laura Miller with National Process Service. This call is intended for ***. For a reference number ***-****. This is a formal notice regarding the noncompliance notice that is being filed against you. If you have not received the notice properly by mail, please call the litigation office immediately to request a copy to be sent out certified. Please note, this complaint can move forward legally without your consent within 1-2 business days. Please feel free to contact the office at 866-811-0028. Please consider yourself notified. Thank you." When returning the call, they answer the phone and will not state their name, or their companies name. When asking for the name of the business, they will NOT provide it. They claimed to be suing my mom, and wanted personal information. The man was extremely rude when I tried to get more information and he threatened to sue me as well.

multiple calls a day refering to an old loan application i never filled out and telling me to call 855 909 0817 and ask for the underwriting team. more than likely a scam to get SSI and other personal information

I contracted this vendor for wedding videography and paid a deposit on May 13, 2025 through Venmo. Since booking, he has pressured me multiple times to pay the remaining balance months before it was due, despite previously stating he understood my financial timeline. His behavior raised concerns, so I researched his company and found several public complaints describing similar patterns: pressure for early payment, cancellations on the wedding day, poor-quality work, and customers reporting that he kept their money even in situations where he was the one who canceled due to issues on his end. Out of concern for reliability, I canceled services and requested a refund. The vendor refuses to return the deposit, despite consumer laws allowing refunds when there is anticipatory breach or reasonable concern a vendor will not perform. This is a pattern affecting multiple brides, and I am filing this complaint for assistance and to warn future consumers

I’ve been receiving multiple calls every day, for weeks now. I use the “screen” option on my phone, and never answer. However, these call continue daily.

NUMEROUS calls throughout the day from various phone numbers, all telling me I have been approved for a loan. Here is the voicemail message.. 05 this message is from the loan department. We have a new offer of $55,000 in the form of the installment loan. Your monthly payment is estimated to be $400 to talk to a funding advisor. Please choose option to if you wish not to be contacted again, please press nine once again press two to be connected with our team and press nine to be removed from our list.…” If I answer when they call, the message specifically states it’s Ridgegate Financial and states to press “9” to be removed from the no-call list. This doesn’t work because I still receive so many calls each day!

I am receiving at least 6 calls a day of which I am blocking and they call from a different number each time.

Everyday I receive 15+ calls from Ridgegate financial. They call from a different number every time and always leave a voicemail with a different callback number of (934) 947-9605. I block all calls each day just for them to call on different numbers the following day. I have tried answering the phone and there are two automated options to choose from. One is to talk to a loan officer but if you choose that option, the phone call drops. The other option is to click “9” to be taken off the call list. I have also chosen that option and I am still called everyday following.

Received a texted message from a number identifying themselves as the MLS Group. They claimed they had my file in office and that it would be noted as refusal to pay if I didn’t respond by the end of the day.

Email Received from [email protected]: GOOD DAY, How are you?. My name is Mrs. Elizabeth Georges, I have a donation fund of $3,600,000.00, which I want to donate through you to help the orphans, widows, handicap people and charity homes. Get back to me immediately after reading this message for more details regarding this humanitarian agenda. Mrs. Elizabeth Georges

This scammer met me on a dating app. He said he wants to help me financially, he sent me a fake check to my account then said I have to donate the $480 so he can send more later. Once I deposited the check and figured it was a scam, I blocked him. Then the next day I receive a bunch of messages and death threats from his “mafia” if I don’t return the money that doesn’t even exist. Their phone number is 469-260-9236

My manager needed me to book him a room at a hotel in Orlando. I looked online for the hotel and called what I thought was the hotel but it was a third party. When I was quoted the hotel rate, the guy told me if I wanted protection against cancellation that I had to agree to a cancellation fee of $19.15, then I commented that I had never heard of a hotel charging that fee and asked him if I was talking to the hotel directly and he said yes, we are a 3 star hotel so we charge a cancellation fee. I asked him so if I cancel a few days prior to the trip if needed, that there would be a fee and he said yes. I told him I was not sure if the trip was on 11/18 or 11/19 since the contact sent me 2 different dates so I had to call back. He said if I give him the details (credit card, expiration date) that he could hold the reservation. I gave him the info and told him to please call me in 5 minutes or I can call him. The next thing I know, he charged my manager's corporate credit card. I called the phone number and the lady I spoke to said she would remove the cancellation fee and that the room charge would take a few days to be refunded. After a few days, I received an email saying the room was Non refundable and that I would be able to get a voucher to use later. I called a number of times again asked they give a full refund for the charge and that I felt they misrepresented themselves and that the transaction was fraud. This has been so upsetting to me and I keep getting internal notices to reconcile the charge. Please help me get this resolved.

Hello, Your talent’s profile was seen on Backstage/AllCasting and I must say, it is one of the best to meet our desired requirement for the Kids Luxury Fashion Photo shoot for Amazon/PUMA Kids Fashion Magazine 2025. It would be an honor to work with your talent. About Dwight Esnard Photography®,We are one of the leaders in professional photography, specializing in portraiture and commercial Photography®. We have both the knowledge and expertise to create and capture the perfect image of yo, so here we are again, calling for an upcoming commercial to market a collective sales kids catalog for the year for Clothes, Bags, Shoes and Purses for our reputable Russian based client (PUMA) who believes in fashionable lifestyle. PUMA. A Multi brand company, PUMA, and the PUMA Group embodies the concept of modern, upmarket shopping. A sports brand, designing, developing, selling and marketing footwear for over 65 years, Puma is one of the most well-known sporting apparel brands in the global world. PUMA is the third largest sportswear manufacturer in the world. PUMA stores stock the aforementioned brands and offer an enviable selection of such renowned designer sportswear and other apparels. PUMA has also collaborated with established NYC’s Soho neighborhood with Puma’s Global Senior Head of Lifestyle, Yassine Saidi, and Founder of the Filling Pieces shoe brand, Guillaume Philibert, amongst others. and have decided to collaborate with David Lachapelle Photography®, for their Commercial advert work nationwide. For more information, please visit http://www.puma.com SHOOT!!! PUMA / Amazon Kids Fashion Magazine Shoot 2025 The events date are: Event Date 1: Dec 8th 2025 – (3 Models) Event Date 2: Dec 20th 2025 – (3 Models) Event Date 3: Dec 27th 2025 – (3 Models) You only choose one date to be available for the shoot. Compensation Paid Time: 11A.M -3P.M. The total pay for the job is USD $5000 (Tax deductible) and you will get $500 as your advance/upfront artist discretionary purposes and booking fee balance of USD 4,500 will be paid immediately after the completion of the commercial shoot (Advance/Booking ($500) + Usage rights and services ($4,500) = $5000. There is room for negotiation. You will NOT only receive a paycheck of $500 but also an EXTRA amount that you will use to pay for your wardrobe/costume that will be used for the shoot, which you will be forwarding to the contracted fashion stylist so he can ship out the wardrobe/costume to you before the date of the shoot. REASON being that, the payment for the wardrobe has to be made or billed to your Name/info as requested and acceptable business terms by the representative sponsorship to the fashion stylist, to ensure a tallied customization and label to be printed on your wardrobe.(Read this Paragraph again) The shooting will be held at a rented studio in your location – (we shall arrange a suitable studio and convey its details to you unanimously). Below are the required Payment and Sign-up details you are to forward to us for filling and to mail you the aforementioned Paycheck for the Wardrobe. INFO NEEDED: Your full name, physical address (No P.O Box) state & city, zip code and cell phone number We look forward to working with you on this project. Have a wonderful day! Warmest Regards, Dwight Esnard Director, Global Entertainment Holdings, Inc. https://www.imdb.com/title/tt2505330/fullcredits/ IMDB Page

They continue to call me from multiple different numbers, several times a day. Ive used the option several times to remove my number, as well as requested this from a live representative.

“This is Stella calling from loan underwriting my direct line is 855-909-0817 you've probably seen rates coming down lately plus underwriting has opened up quite a bit for people with less than perfect credit so we went ahead and re-reviewed your old loan request this morning and it's now showing a potential approval for about $67,000 if you're still interested then just press one now to connect with the underwriting team or call me directly at 855-909-0817 it's Monday today and I'll be available until 6 PM when you call please ask for the underwriting team and mention your approval reference ID if you received one hope you're having a great day and looking forward to helping you finalize this to stop updates simply press nine…

There were a number of ads up on TikTock advertising a Squishmallows Advent Calendar including a number of people showing what they got, incredible deal, buy two get a third for free, $45 each. I checked out the company, reviews and it seemed legit. Squishmallows are very popular this year. Paid through Shop, so Wavecross does not have my credit card information. They have my email, home address and cell number. They used a tracking company called 17Track, showing the package leaving China, taking a full month to get to Canada. The day of delivery nothing received. Now the company has ghosted me. I’ve messaged the company numerous times, I’ve attempted to get ahold of the tracking company, nothing. I’ve filed a complaint with Shop. I’ve requested a full refund from WaveCross, nothing.

Letter received in the mail indicating that it was a time sensitive notice for the mortgagee only. Immediate response requested. It had the correct lender name, address, and mortgagee name. Attached was an "allocated waiver" requiring a signature and a 1-800 number to call. The letter states that they reserve the right to revoke the waiver 7 days after receipt and it is the final attempt to notify.

Multiple Spam calls on various toll free numbers from ‘ridgegate financial’. Do not call entry does not remove the number from the list. 6-7 calls per day usually in the evenings Eastern Time.

I am filing this complaint due to Luxe Research’s failure to send the correct products, refusal to acknowledge their own fulfillment error, inconsistent refund offers, and misleading/contradictory return and refund policies that conflict with what is advertised on their website. On November 6, 2025, I received my order from Luxe Research and immediately noticed that the products delivered were not the products I ordered. I ordered their “Color Changing Foundation,” but what arrived instead was two bottles labeled “Medium Spectrum Sunscreen Serum SPF 50.” The product labeling, directions, and formulation did not match the advertised item. I immediately contacted the company with photos clearly showing: The product I ordered, The product I received, and The reaction on my skin when applying the incorrect product. Despite sending this information repeatedly, Luxe Research has never once acknowledged that they sent the wrong products. Instead, every response from customer service ignored this central issue and attempted to redirect the conversation toward product dissatisfaction, application tips, or unrelated usage advice. Misleading and Conflicting Refund Policy Luxe Research advertises a “30-Day Money Back Guarantee” on their website, stating: “If you’re not thrilled, send it back and we’ll refund your purchase.” There is no mention of the guarantee being limited to unopened items, nor any exclusions for cases where the wrong product is sent. Despite this, the company repeatedly claimed they do not accept returns of opened items for “hygiene reasons” — a restriction not stated anywhere in their advertised guarantee. When I pointed this out, they continued to ignore both the guarantee language and the fact that the issue resulted from their shipping error. Inconsistent and Contradictory Refund Offers The company’s responses have also been inconsistent and contradictory: In one email, Luxe Research offered a 30% refund without requiring a return. In a later email, they lowered this offer to 15%, unless I paid for international return shipping to China. At no point did they acknowledge or address the fact that the products sent were incorrect. This inconsistency reflects a lack of transparency and raises concerns about unethical business practices. Unreasonable and Unlawful Return Requirements The company is demanding that I: Pay out-of-pocket for international return shipping, Ship the items to an address in Guangzhou, China, Cover the cost for returning products I did not order. This requirement was never disclosed at the time of purchase and contradicts basic consumer protection standards. When a seller sends the wrong merchandise, the customer is not responsible for return shipping, especially not internationally. I requested either: A full refund without requiring a return, or A prepaid return label for the incorrect items. Both requests were refused. Steps Already Taken I have: Reached out to Luxe Research more than 10 times, Provided multiple photos and explanations, Given the company several opportunities to resolve the issue, Clearly communicated the fulfillment error in multiple emails, Warned the company that I would contact the BBB if unresolved. Despite this, the company continues to deny responsibility, ignore the core issue, and provide contradictory refund terms. Desired Resolution I am requesting that Luxe Research: Issue a full refund for Order #LF15957 without requiring a return, OR Provide a prepaid domestic return label (not international) for the incorrect products. Given that the company sent the wrong merchandise and failed to honor the terms of their own 30-Day Money Back Guarantee, I believe this is the appropriate and reasonable resolution. Attachments Available Upon Request Photos of the products ordered versus products received Photos of product reaction on my skin Screenshots of Luxe Research’s 30-Day Money Back Guarantee Full email correspondence (showing repeated refusals and contradictory refund offers)

After providing daily share/stock recommendation (presumably to build trust) they rapidly move over to recommending you to use the SLOGEM platform. where they have a coin they are launching, STRO, which they think will raise several 100 % in the next few weeks. They then "lend" you 500USDT in the platform for you to trade with. They provide you with the signals for you to trade so that you may see how great the system is. Trades are done on SIGIL, CITADEL, ECHO, PHANTOM all of which if you research, are not on other reputable trading platforms. After showing you 200%+ returns in a week they say would it not be amazing if you had $5,000 in there, just imagine what you would be making. They claim all of their trades in SLOGEM are winners, and I have not seen a signal trade bad if done quickly as they say. They encourage you to deposit funds from your personal resources into SLOGEM to trade. They have us using Signal to communicate but no other way that I am aware of. The brains of the site claims to be Gregory Hawthorne and his trusty assistant, Sophia Marlowe, who sends out constant propaganda, offering her nurturing support to all newcomers, trying to get that money into "Slogem", the obscure exchange platform that is rumored to be funding the cash needed that is issued to investors as "proof" of their AI predictive investment system. they are right now trying to rush me into depositing cash as quickly as possible. I have been testing out what I believe are bots that go on all day long about the wonders of Athena, the virtual STRO coins, which I don't know if are legitimate or not. The whole thing is a well thought out, sophisticated scam. Timing is perfect, with the emergence of AI, and there are legitimate AI market predictors that these people claim to possess. I do not have a telephone number but have offered my cell number to them, asking them to call me but so far no calls.

I ordered product from official kaws and they sent my information to this supposed courier however the courier emailed 2 days after i was supposed to get my shipment to tell me i need to pay an additional $475 for a restricted shipping label fee. Then when i asked was this a scam to both companies and asked for a refund from my initial order now no one will reply.

The company uses multiple phone numbers. The recorded voice, different voice every time, tells me that I'm approved for a loan. I receive at least 10 of these calls per day.

MyIQ offers an IQ test. My son wanted to take one, so I paid the $1 for the test. They have a shady sign up that costs $29.99 per month. You don't know you're signing up for this when you click through. Six days later, I got notified that a payment for this amount was pending. I challenged the payment and was assured it would not go through. The payment did go through despite them promising to take it away. Several days later they continue to promise they will refund the payment but will only send bogus AI generated emails. Many many people report the same thing on Reddit, some saying that the payments are going through Cyprus and some are saying that they have taken larger sums every month.

Website consistently advertises discounts for shoes that are already rare and are selling for more on legitimate sneaker apps. I didn’t catch this because I thought the shoe I purchased was a recent release and thought was readily available everywhere. After my purchase, I realized it was more than 2 weeks in not receiving any shipping confirmations. This is rare these days especially with fast shipping times within the country. After trying to call their support number which turned out to be a fake voicemail or cell number that no one returns calls, I decided to email their support email address and no response days after. After my email, they sent a tracking number for a package coming out of Hong Kong. (I already knew at this point this was not going to go well as there are plenty of imitation shoes and products coming out of Hong Kong). I then called my bank since Arklen didn’t return my calls or didn’t email me back with my inquiry. So I got my money back from the bank and a week and a half later, I got a fake shoe shipped to me. You don’t have to be a professional to know how fake this shoe was, it was an imitation. To date, they are sending emails threatening legal action and trying to convince me to pay for the imitation shoes through a “secured payment link”. Not only do they not have a contact number, searching for Arklen phone number on google will list you a phone number tied to many domain websites, which are all probably selling the same fake/imitation products from out of the country. It is also funny that their “legal team” already emailed me even though they still haven't responded to my original email to them before my bank took action. Instagram needs to take Arklen USA page down so others don’t become victimized.

I ordered from this company two pairs of lounging pants and the company charged me for the two pairs. Then they proceeded to charge me three more times luckily my bank caught it, and the last three charges never went through.. the company then proceeded to tell me that my package was delivered in which it never was. They told me to go check the neighbors houses. My package was never delivered then I received something in the mail from some person that I don’t even know who they were and it was a pair of socks that were probably only .50 cents I asked for a full refund and told them that I’m gonna report them to the Better Business Bureau. They said my refund would be in my bank between 3 to 7 business days. It’s been over two weeks and I haven’t received a refund. I sent them another email today. They said my refund would be in my bank account within the next couple of days which I don’t believe is true. I see their post on Instagram and every time I leave a comment telling people not to order from them they erase my comment.

Was approached in Walmart asking if I would like information on lower rates than Penelec. Told them my husband pays the electric bill and it is in his name. Gave my E-Mail address and they said they would send E-mail that my husband could give the info needed, such as his Penelec account number. I told my husband about it and he said no he was not interested. When I got the E-mail I deleted it and thought that was the end until my husband got a letter from Penelec saying he changed to NRG!!! I don't see how this was possible since I never replied with his account number!!! He was very angry and called them to cancel it and find out how it was switched without his knowledge and he was told that in PA anyone in the household can change electric company!!? This is bull crap and I never said to change it, just to send info on rates. This has caused big problems and emotional stress!!! I will never stop and give the time of day to anyone again. Nothing but a scam!

This company has called 4 days in a row. Foreign voice telling me it is their job to discuss my car insurance. Told them I am on do not call list and to remove my name and number from their list. Did not provide name of company.

For weeks I receive multiple calls a day stating I need to finalize a loan I've never applied for. I hit their do not call number 9, it says I'm added to the do not call list but the calls continue.

Received this text and did not reply: Hi, this is Evelyn Marie from Lionsgate. We’re excited to offer you a part-time remote position where you’ll help our merchants improve their product visibility online. • Flexible schedule: 60–90 minutes a day, 4 days a week • Pay: $250–$500 per day (with a guaranteed $1,000 every 4 working days) • Benefits: Free training + 15–20 days of paid vacation each year We currently have 8 openings. If you’re interested and 25 or older, please text 14434156823 for more details.

Hi, I'm a recruiter at Kelly Services (US) , my name is Lesley. Your background and resume have been recommended by multiple online recruitment agencies. Therefore, we would like to offer you a great remote online part-time job to help update app store data, increase app views and downloads, and provide you with free training. Flexible part-time and full-time work, allowing you to work 60 to 90 minutes a day, 4 days a week, and earn extra income on weekends. You can work anytime and anywhere according to your schedule and earn $250 to $500 a day. The basic salary is $1,000 per 4 days of work. Paid annual leave: In addition to maternity leave, paternity leave and other statutory holidays, ordinary employees also enjoy 15-20 days of paid annual leave. The company currently has 50 vacancies, if you want to join us, please send a text message to 2029039840 for more information (Note: You must be at least 25 years old)

Extremely Misleading Listing, Confusing Communication, and Poor Customer Service I purchased the classic version of this bike less than two weeks before Black Friday. Shortly after it arrived, the bike went on sale. I reached out to the seller to ask if they honor price adjustments within a short timeframe. Instead of a clear answer, the seller repeatedly insisted that I had purchased an “accessories bundle,” even though my Amazon order, the variation I selected, and the shipment I received clearly showed no accessories included. I provided screenshots proving this, yet I kept being told to “check the title suffix,” which had changed since my purchase. The seller then claimed the accessories were “already delivered” and provided a tracking number for a package I never received. When I pointed out their own wording clearly stating “it was delivered,” they then told me they never said that. The responses were contradictory, confusing, and dismissive of the actual evidence from my order. I was then told I was making “repeated demands” simply for asking for the sale price adjustment or at least a correct explanation of the accessories issue. Offering random accessories I never asked for did not resolve the core problem. At this point, I chose to return the bike. The entire situation felt misleading and unnecessarily complicated. What could have been a simple, common customer service request turned into days of back-and-forth messages that never aligned with the facts shown in my order. This review is not about the bike itself, but about misleading sales information, inconsistent communication, and an inability to acknowledge clear evidence. If you choose to purchase from this seller, double-check the listing variations, pricing, and what is actually included. My experience was frustrating, and I would not purchase from this company again.

I receive call 10 times a day saying my loan is ready for approval but they just need to confirm some information. I did not request any loan or information from this company. I have tried to answer the call to have them stop calling but it is an automated response.

I bought a shirt from this company in September. They have failed to send the shirt. They won't refund my money. The ad says they will give a full refund if not fully satisfied.

Set up interview. 5 minute zoom. Answer short survey and set up interview for next day at 8:45 am which never happened.

I purchased in good faith what was supposed to be three seven-day vacations and an all-inclusive seven-day resort stay. After taking the money, nobody will return a phone call or email. The website looks legit, but once you place a hold on a hotel, there is no response and the hold drops in 24 hours. Do not pay money to Lifestyle Vacations. They are very helpful and nice when selling the package. Everything they offer sounds great. The website looks good. You can put a hold on a hotel, but you can never actually book anything no matter how many phone calls or emails are left. The packages Lifestyle Vacations sell are a complete fraud.

These callers call multiple times per day with loan offers under Ridgegate Financial. I have tried to opt out and have tried to speak to a rep, when I try to get to a rep now the line disconnects. I get multiple calls per day. If I block the number they just change the number they call from.

I uploaded a copy of the letter we received.

Please call 888-307-2075 with VIN and current mileage before December 5, 2025.

Our records indicate that you have not contacted us regarding the vehicle service contract on your vehicle. 

By neglecting to activate your coverage you will be at risk of being financially liable for any and all repairs after your factory warranty expires. However, you still may have time left to activate coverage on your vehicle before its too late. Final acceptance is subject to your ability to meet eligibility requirements.

This may be our only attempt to contact you about activating your vehicle service contract. We reserve the right to revoke your eligibility for service coverage if you do not meet our criteria. Call within 5 days to ensure eligibility. 

I ordered early in November. After 2 weeks, I contacted them via email. They said it was shipped that day. Now, a couple weeks later i receive an email that says "it will ship soon." Again contacted with a similar message saying "it will ship soon."

I receive dozens of calls a day - this has been going on for months now - from the number 934-947-9605 with robo calls claiming to be Ridgegate Financial. They call from different masked numbers but all of their voicemails say to return the call to the same number. They’re offering loans for up to $55,000.

I have not applied for any loans but kept receiving voicemails every day for about 2 months, from ever changing direct phone numbers, that they just need a couple of things to finalize my loan that was approved. I have received 5 texts since 11/11/2025 from 855-578-78567 stating it's Freedom Associates. One said Ashley at Freedom Associates. I'm concerned they may have some of my personal information, my correct 1st name for sure. I don't know if someone else is trying to get a loan with possibly my stolen information? I sure hope someone can look into this to see if I am at risk. The text says..."Hi (my 1st name), Ashley here with Freedom Associates. I am following up on your personal loan request. I wanted to connect you with our consultants regarding your approval & next steps. Reply END to opt out. Otherwise, do you have a few minutes now to talk? If you no longer need the loan, just let me know."

I receive up to three calls a day from various phone numbers claiming to be Ridgegate Financial calling about a personal loan I applied for. The option to be removed from their list does not work. Going through to a person does not get you off the list either. The person just hangs up and speaks English as a second language.

Thrive Travel list prices on their website - request upfront payment and then cancel your reservation claiming billing issues. Infact the published prices are fake. I spoke to a representation real-time and not one published price was available. All were more than doubled what was published. I've attached a screenshot of a current listing priced at $775, says 1 ticket left at this price (10:05AM EST on Nov 25, 2025). It has said this for the past 2 days even after I purchased the ticket - yet my ticket was never booked. Upon calling the agent earlier (9:36AM EST on Nov 25, 2025) and also checking that the option was still available, I was told this fare was no longer available (I was looking at the website, and checked back later) I had the screen up and not a single flight was avaible for what was listed. Scam to get your infomation, then calls you to say not available and trys to book you for a full freight+ price. Price i was quoted was $1,629 - if i went directly to airline website same flight was $1,552.65. DON'T BOTHER WASTING YOUR TIME.

The website promotes an easy way of acquiring a passport. They ask for all the personal details that you would need if you were applying the traditional way to buy a passport, including DOB, address, and SSN. They require a fee, which I did not pay as i started to become skeptical of the sites validity. I sent an email to their support email asking them to confirm that my personal information be deleted from their system and they responded on 10/27 with: "We take data privacy and security very seriously. In response to your request, we have initiated the process to delete all personal information associated with your submission from our systems, in accordance with applicable privacy laws, including the California Consumer Privacy Act (CCPA). Please allow us [X] business days to complete the deletion process. Once the data has been permanently removed, we will send you a confirmation email. If you have any further questions or require additional assistance, please do not hesitate to contact us." The fact that their response said [X} days leads me has me confident that this is a scam. I responded 22 days later asking for an update/confirmation that my request had been completed, giving them a deadline of four additional days and stating that I would be reporting them to the BBB if I not received a response be 11/14. I still have not received confirmation that my request has been processed, though a read receipt on my last sent email shows that they have opened my communication.

They call a dozen times a day. Usually with just a name like Leigh offering loans for low monthly payment of $600 or something. They call from different numbers and leave a different one in the voicemail.

Ellsworth and Vane advertised on Instagram to join test group in cryptocurrency futures trading. I decided to check it out. The WhatsApp group initially focused on teaching about stocks and crypto (good stuff educationally), and they also recommended stocks/crypto to buy and when to sell. I watched their recommendations for 2 months and most of their recommendations in stocks profited 20-50% (short/medium term like 5-20 days). They also gave away free USD, BTC, USDT and their crypto EVOX. They then shifted to participating in 1 week of testing, 2-3 trades per day, using a platform called Vinance and Realm, using their $300 where at the end of the week you return the $300 and you keep the profit. All of their trades were on Cryptos that only existed on their platform, so no way to validate behavior elsewhere. In 5 days I grew that to $900. Then they shifted to put in your money, always advising to be conservative and only small amounts, and continue testing, 2-3 trades per day. That continued for 2 weeks. I put in $500 and grew that to $3800 in 2 weeks. At the end of 2 weeks I did a trade using ~ 10% of my account (~$350) going Long and during this trade it went negative - 500%, which is $1750.00. All of a sudden the trade closed automatically and my account went to $0.00, except (1) the amount withdrawn was ~ $3200, (2) I had $3800 in my futures account, and (3) the trade went up to 250% (or $875 profit). The admin claimed I used 20% (which still would have been under $3800) and that it was my fault. Also, the admin had said since this was testing if we followed the trades they would cover any losses, but they claimed I did not follow the trade, even though I had screen shots before and after that showed my balance, what I bet, what it closed at, and my final balance. I spoke to several other members in the group and the same thing occurred to some of them. The people running the group were: Walter Johnson, Kenneth Hudson, Charles Moreau, and Lydia Quinn. They claimed they were FinCEN certified, but I found out on FinCEN their status was submitted. Also the Vinance and Realm site they used (https://h5.vinancerealm.top/) and App were created in July 2025. I could not validate their existence in any way. Technically Iost $500 of my own money, but others I talked to lost as much as $20,000. There were others saying they were betting amounts in excess of $500,000 but no clue if they were real or if they lost their money. Lastly, I was given about 750 units of EVOX, which the admin claims when it is unlocked in 02/01/2026 it is mine and I can withdraw it, and it is worth over $3000 as of 11/25/25, but I will be surprised if that money still exists as clearly they were a scam. I think the ended me earlier than others using more money because I was starting to question the validity too much and they were concerned I might be a poison pill to the rest of the group.