Complaintsfor$ Foundation

• Initial Complaint

  05/28/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I was required to take a Post Filing Bakruptcy course through Dollar Learning Foundation, which I registered for and took on 5/27/24 and opted out of all extras offered. I authorized a payment for $25.47 using my debit card and the money was deducted right away. The day after taking the course, I was then charged an additional $39.97 which was never authorized. I did some research online and see that this has been a common complaint with this company fraudulently charging their customers multiple charges following the days after receiving their post filing Bankruptcy Certificate, despite us customers opting out of their offered extras and only authorizing the first charge. I am filing a complaint because the BBB should be aware that this same company is still following the same fraudulent business practices. I have contacted their support via email and provided them a copy of my bank statement and have requested a refund. I am currently awaiting a response regarding the $39.97 which they pulled and over drafted my checking account. I wouldn't expect a company who handles required bankruptcy courses to have such practices. I am currently seeking a refund of $39.97.

  Business response

  06/06/2024

  June 6, 2024
  
  Dear ***********, 
  
  We are sorry to hear about your concerns and appreciate the opportunity to address them, and since it is our policy as national 501(c)3 non-profit organization to ***** any of our consumer clients an immediate and no-questions-asked full refund, we have previously reached a formal settlement with you in which we issued you a full refund which is consistent with your BBB desired resolution.
  
  However,we must clarify some points regarding your case. 
  
   1.Post Filing Bankruptcy Course Registration and Payment Authorization: You registered for and took the Post Filing Bankruptcy course on 5/27/24,authorizing a payment of $25.47. This payment was processed as authorized, and the funds were duly deducted from your account. 
  
   2.Additional Charge of $39.97: The additional charge of $39.97 was also part of the services you agreed to during the registration process. It is important to note that our systems and policies are designed to prevent unauthorized charges. We have thoroughly reviewed your case and found no indication of fraudulent activity. All fees for optional additional products and services are processed once and only once, but they are not debited from your credit or debit card account until the product is shipped or the service is performed. 
  
   3.Immediate Full Refund Issued:  In line with our commitment to consumer satisfaction, an immediate no-questions-asked full refund of $39.97 has already been issued to you. We regret any inconvenience this situation may have caused and hope this resolution meets your expectations. 
  
   4.Claims of Fraudulent Practices:  Your claim that our organization engages in fraudulent business practices is not only false but also defamatory and libelous. Dollar Learning Foundation takes such accusations seriously as they can cause significant damage to our ability to function as a nonprofit and to serve our consumer clients in need. As a national 501(c)(3) nonprofit organization that has served hundreds of thousands of satisfied consumer clients, our integrity and commitment to ethical practices are paramount. Therefore,please understand that we reserve the right to take legal action to protect our organization against such unfounded claims and to seek damages as necessary.  If youd like to discuss this matter further,please feel free reach out to our attorneys at **********************************************.
  
   5.Privacy, Security, and Financial Information Handling:  It is important to understand that we do not have access to your financial information. All transactions are handled by our merchant account and gateway service providers. These providers use their own software and servers to ensure the security and privacy of your financial data.They adhere to strict PCI (Payment Card Industry) compliance standards and protocols, ensuring that your information is processed securely, and that privacy is maintained at all times. 
  
   6.Expectations and Ethical Practices:  We regret that your experience did not meet your expectations. However, it is important to emphasize that Dollar Learning Foundation operates with the highest ethical standards. Our immediate refund policy ensures that any discrepancies are resolved swiftly and fairly. We encourage you to contact our support team again if you have any further questions or concerns. We had already resolved this matter amicably with you (prior to this BBB submission) as it is our policy to ensure that all our consumer clients receive the highest level of service.
  
  We appreciate your understanding and patience as we work to address your concerns. 
  
  Sincerely, 
  
  Compliance Support Team
  Dollar Learning Foundation, Inc.
  
  
  CLIENT SERVICES INFORMATION SHEET
  
  Our IT, ******** Services and *************************** have determined that in almost all the cases in which one of our consumer clients has encountered an error regarding their optional additional products and/or services, it has been due to one or more of the following reasons.
  
  Network Issues: Poor or unstable internet connection can lead to incomplete transactions.
  Explanation: A weak or unstable internet connection can cause timeouts or interruptions during the payment process, resulting in incomplete transactions.
  Remedy: Ensure a stable internet connection before initiating a transaction. Use wired connections when possible and avoid public Wi-Fi networks for sensitive transactions.
  Browser Compatibility: Using an outdated or incompatible browser that does not support certain web functionalities.
  Explanation: Some payment gateways require modern web technologies that older browsers may not support, leading to errors during the transaction.
  Remedy: Keep browsers updated to the latest version. Use widely supported browsers like Chrome, Firefox, or Safari.
  Ad Blockers: Ad-blocking software can interfere with the payment gateway's functionality.
  Explanation: Ad blockers can mistakenly block essential scripts or elements required for processing payments.
  Remedy: Temporarily disable ad blockers or whitelist the seller's website during transactions.
  Anti-Virus Software: Overzealous security settings can block legitimate payment processes.
  Explanation: Anti-virus software may block or interfere with payment gateways, thinking they are threats.
  Remedy: Adjust anti-virus settings to allow secure transactions. Temporarily disable if necessary, ensuring you re-enable it after the transaction.
  Cookies Disabled: Disabling cookies can prevent the payment process from storing necessary session data.
  Explanation: Payment processes often rely on cookies to store session data and track the transaction process.
  Remedy: Enable cookies for the seller's website. Clear browser cookies regularly to prevent issues.
  VPN/Proxy Usage: Using VPNs or proxies can sometimes be flagged as suspicious activity by payment processors.
  Explanation: VPNs and proxies can alter your perceived location and IP address, which payment gateways may flag as suspicious.
  Remedy: Disable VPNs/proxies during transactions. Use a direct internet connection for making purchases.
  Pop-up Blockers: Some payment gateways use pop-up windows, which can be blocked.
  Explanation: Essential payment information or confirmation windows might be delivered through pop-*** that get blocked.
  Remedy: Allow pop-*** for the seller's website during the transaction process.
  Outdated Operating System: Using an outdated OS may lead to compatibility issues with the payment system.
  Explanation: Older operating systems may not support the latest security protocols or web technologies required by modern payment gateways.
  Remedy: Regularly update the operating system to the latest version to ensure compatibility.
  Mobile Payment Errors: Issues specific to mobile browsers or apps, such as screen size or app compatibility.
  Explanation: Mobile devices may encounter problems with responsive design or app compatibility, causing errors during transactions.
  Remedy: Use desktop for transactions if mobile issues persist. Ensure mobile apps are up-to-date and compatible with your device.
  Auto-Fill Errors: Incorrect auto-fill entries for payment or personal information.
  Explanation: Browser auto-fill features may input outdated or incorrect information, leading to transaction failures.
  Remedy: Review auto-filled information carefully before submitting. Update auto-fill settings and stored information regularly.
  
  General Ways to Avoid or Remedy These Issues:
  Use Reliable Internet Connections: Prefer stable wired or trusted wireless networks.
  Keep Software Updated: Regularly update operating systems, browsers, and apps.
  Monitor Accounts: Regularly check bank balances and credit card statements.
  Enable Necessary Settings: Allow cookies, pop-***, and adjust security settings when needed.
  Verify Information: Double-check all entered information before submitting.
  Follow Instructions: Adhere to any instructions provided during the payment process.
  By understanding these potential issues and implementing the remedies,clients can significantly reduce the likelihood of encountering errors during service purchases.

• Initial Complaint

  03/25/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  The transaction happened March 23 2024. It read ***** dollars for the course I'm supposed to take after adding my card information and submitting it charged my ***** dollars and pulled up the wrong course. I just want my money back.

  Business response

  04/05/2024

  ATTENTION BETTER BUSINESS BUREAU (BBB): According to our records, we believe this case violates BBBs Acceptance Guidelines in which the guidelines state that the BBB will not accept cases that have been resolved by a previous settlement between the parties. Our records show that ************** contacted us on 03/23/2024 inquiring about the optional additional services purchased during the registration of his bankruptcy debtor education course.  A settlement between the parties was reached immediately and a full refund was processed on that same day.  Therefore,we believe this case should neither be accepted nor processed by BBB due to both said BBB guidelines violation and its previous settlement. 
  
  Dear **************,
  
  According to our records,we believe this case violates BBBs Acceptance Guidelines in which the guidelines state that the BBB will not accept cases that have been resolved by a previous settlement between the parties. Our records show that you contacted us on 03/23/2024 inquiring about the optional additional services purchased during the registration of your bankruptcy debtor education course.  A settlement between the parties was reached immediately and a full refund was processed on that same day.  Therefore,we believe this case should neither be accepted nor processed by BBB due to both said BBB guidelines violation and its previous settlement. 
  
  Nevertheless, we sincerely apologize for the stress and worry the unfortunate misunderstanding you have described via the BBB may have caused you. As a national 501(c)3 nonprofit organization We want to assure you that your trust and satisfaction are of paramount importance to us. As part of our commitment to excellence in consumer clients service, we have taken proactive measures to address the concerns raised by your experience. Additionally, we continue to carefully monitor and evaluate our policies and procedures to implement safeguards against the recurrence of similar incidents in the future.
  
  Our records indicate that you reached out to us on 03/23/2024 regarding this matter, prompting us to initiate an immediate investigation into the issue. As an organization dedicated to transparency and accountability, we promptly issued a full refund to your account, without hesitation. You should find the reimbursement reflected in your account statement.
  
  Once again, It is truly regrettable that you had to endure such a distressing situation, and we sincerely apologize for any inconvenience or discomfort it may have caused you.Please rest assured that we were, and continue to be, fully committed to supporting you throughout this process and beyond.
  
  Should you have any further concerns or require additional assistance, please do not hesitate to contact us. Our dedicated team stands ready to address any questions or inquiries you may have.
  
  Thank you for bringing this matter to our attention, and please accept our sincerest wishes for a swift bankruptcy process and a brighter future ahead.
  
  With utmost respect,
  
  $ Foundation

• Initial Complaint

  02/23/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Date of occurrence: 02/22/2024 I just realized that I fell victim to a predatory business/scam for a company called "Dollar Learning Foundation. The company states they provide the mandatory second class for post bankruptcy education certification for the bankruptcy court. I recognized that something didn't seem right about 20 minutes into the class and looked up the business on the better business bureau, but it was too late because I had already submitted my payment using my debit card. So far there are three separate charges to my debit card. One for *****, one for *****, and one for *****. I opted out of the majority of the "add on services" that came with additional costs. At the time of payment, I had acknowledged and agreed to the charge of *****.After seeing numerous reports from others that the company has continued to charge them erroneous fees days to months after the initial transaction they agreed upon; I called my bank and reported my debit card stolen.

  Business response

  03/14/2024

  ATTENTION BETTER BUSINESS BUREAU (BBB): According to our records, this case violates BBBs Complaint Acceptance Guidelines in which the guidelines state that the BBB will not accept complaints that have been resolved by a previous settlement between the parties.
  
  Dear **************,
  
  We are writing to express our deepest empathy regarding the unfortunate experience you encountered with our credit counseling agency.
  
  At $ Foundation, we prioritize ethical organizational practices and are committed to ensuring the utmost satisfaction of our clients. It deeply saddens us to learn that you feel like youve fallen victim to unsatisfactory organizational practices.  No individual should have to endure such circumstances, especially when seeking their post-filing debtor education course certificate of completion.
  
  Our records show that you have contacted us on 02/23/2024 regarding this concern and we immediately initiated an investigation into the matter. As an organization dedicated to transparency and accountability, we promptly issued a full refund to your account, with no questions asked. You should find the reimbursement reflected in your account statement.
  
  We want to assure you that your trust and satisfaction are paramount to us. As part of our commitment to customer service excellence, we have taken steps to address the issues raised by your experience. Furthermore, we have revisited our policies and procedures to prevent similar incidents from occurring in the future.
  
  It is regrettable that you had to endure such a distressing situation, and we sincerely apologize for any inconvenience or discomfort it may have caused you. Please rest assured that we are here to support you throughout this process and beyond.
  
  Should you have any further concerns or require additional assistance, please do not hesitate to contact us. Our dedicated team is readily available to address any questions or inquiries you may have.
  
  Once again, we extend our heartfelt apologies for the ordeal you have endured. We genuinely appreciate your understanding and patience as we work to rectify this situation.
  
  Thank you for bringing this matter to our attention, and please accept our sincerest wishes for a swift resolution and a brighter future ahead.
  
  With utmost respect,
  
  $ Foundation
  

• Initial Complaint

  02/08/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I took this course after I filled bankruptcy. It was supposed to be $25 to take the course. I was charged $39.97. After that, every other day, I have charges coming out of my account! They charged me $107.63!!! My bank account is overdrawn now!!! Charges included:$37.47 $16.99 $12.99.Please refund my money and stop taking money out of my account!!!!

  Business response

  02/16/2024

  ATTENTION BETTER BUSINESS BUREAU (BBB): According to our records, this case violates BBBs Complaint Acceptance Guidelines in which the guidelines state that the BBB will not accept complaints that have been resolved by a previous settlement between the parties.
  
  Dear ******************,
  
  Please allow us to convey our heartfelt empathy for the distress you've experienced regarding the recent matter you've brought to our attention. Our steadfast dedication to our clientele's welfare forms the cornerstone of our sincere regret for any adverse repercussions that *** have transpired. Rest assured, our resolute commitment remains steadfastly fixed on addressing your concerns and ensuring your complete satisfaction. We are pleased to report to you that our records indicate that your concern, along with your desired settlement, was previously settled between ********** and yourself. Specifically, a full refund was issued to you before this Better Business Bureau (BBB) case.
  
  Upon receipt of your case, we promptly initiated appropriate measures to address the matter in alignment with your requested resolution, namely, a refund. This swift response underscores our unwavering commitment to meeting your expectations and delivering a resolution that leaves you content with your experiences.
  
  Our organization, a national nonprofit entity endowed with distinguished 501(c)(3) status, has had the privilege of serving a diverse clientele for over a decade, each with unique needs and circumstances. Throughout this journey, our unwavering adherence to our mission, guided by the principles of compassion, empathy, and professionalism, has formed the foundation of our service provision.
  
  Your satisfaction remains our foremost concern, and we deeply appreciate the trust you've placed in our organization. We acknowledge the potential impact this situation *** have had on you and once again extend our heartfelt apologies for any distress it *** have caused. Constructive feedback from clients such as yourself is invaluable as we persistently endeavor to enhance and refine our services, ensuring that future interactions are nothing short of exceptional.
  
  Regarding the additional fees you've mentioned, our organization not only provides pre-filing bankruptcy credit counseling and post-filing/pre-discharge debtor education courses but also offers a number of optional supplementary products and services that thousands of our consumer clients and consumer bankruptcy attorneys have requested we offer over the past several years. These optional supplementary products and services are delineated in our mandatory disclosures which must be carefully reviewed and accepted by all consumer clients before they are allowed to register for credit counseling or debtor education. According to our records, certain optional supplementary products and services were associated with your account.
  
  Concerning our supplementary and discretionary products and services, it is imperative to elucidate our procedural approach. While product and service transactions are processed only once, we adhere to a policy that defers fee debits from client accounts until services have been rendered. Consequently, certain fees for optional supplementary products and services, including those which *** be re-occurring and/or subscription-based *** appear on statements at later dates,notwithstanding the fact that the initial transaction for all our products and services is processed only once and concurrently. It is crucial to emphasize that we neither retain nor possess client payment information, thereby ensuring the security and confidentiality of our esteemed clients.
  
  Should you believe that you did not request some or any of the additional products and services, it is imperative to consider that rare and unforeseen processing errors *** ensue due to client-side factors. Several contributing factors warrant consideration:
  
  1. Unsupported Internet Browsers: The utilization of unsupported internet browsers *** give rise to compatibility issues with our system, potentially resulting in processing errors during transactions.
  2.  Out-of-Date Browsers: Neglecting to update your browser to the latest version *** introduce compatibility issues and potential processing errors. Maintaining an up-to-date browser ensures access to essential security patches and bug fixes, thereby enhancing transactional fluidity.
  3. Unsupported Platforms: Our system *** not be entirely compatible with platforms beyond widely recognized ones, such as iOS, Android, Windows, and Mac. The utilization of unsupported platforms can introduce inconsistencies and transactional errors.
  4. Malware: The presence of malicious software or malware on a client's device can disrupt our system's proper functioning and lead to processing errors. Vigilant maintenance of robust antivirus protection and regular device scans to detect and eliminate malware is imperative.
  5.  Multiple Browser Tabs: The simultaneous operation of multiple browser tabs while conducting transactions can strain system resources, potentially causing errors. Closing superfluous tabs is recommended to optimize transactional performance.
  6.  Multiple Browser Instances: Concurrently running multiple instances of different browsers *** introduce conflicts and create processing errors. It is advisable to utilize a single browser and close any extraneous instances to mitigate such issues.
  7.  Multiple Incomplete Registrations: The persistence of incomplete registrations or sessions across multiple devices or platforms *** result in processing errors. Ensuring the completion or closure of ongoing registrations before initiating a new transaction is crucial to prevent potential conflicts.
  8. Browser Navigation Buttons: Interactions with browser navigation buttons, such as refresh, stop, back, or forward, during transactions can disrupt the process and cause errors. Their use is best avoided unless explicitly directed during the transaction.
  9. Non-Saved Deselected Products/Services: Failure to save deselected products or services during transactions, leading to non-reflective changes, can result in errors. Ensuring the accurate saving and reflection of any alterations made is imperative.
  10. Non-Saved Selected Products/Services: Similar to the previous point, failing to save selected products or services *** result in processing errors. Verification of the accurate saving and reflection of all selections is essential before proceeding with the transaction.
  
  While client-side issues contributing to processing errors are infrequent, we are steadfastly committed to continuous efforts aimed at optimizing system compatibility and minimizing such occurrences. Should you encounter any further processing errors, our dedicated support team is readily available to assist and promptly resolve any issues.
  
  It is equally critical to once again underscore that our payment systems are structured to preclude the retention of client payment information once initial client transactions have been processed. These payment systems are subject to rigorous oversight by highly regulated third-party merchant account providers and financial institutions. Stringent audits are conducted to ensure strict compliance with the Payment Card Industry (PCI) *********************** a pivotal information security measure designed to safeguard major card brands.
  
  Our organization remains unswervingly committed to striving for the highest service standards, guided by principles of integrity, trustworthiness, and a client-centric ethos. Our primary objective is the attainment of complete client satisfaction. In fact,our track record unequivocally attests that none of our clients have necessitated recourse to BBB for resolution. Instances of BBB engagement typically arise: 1). following our prior issuance of full refunds to clients who subsequently and redundantly pursued identical resolutions via BBB, or 2). because clients had not yet initiated contact with us before filing with BBB. Unlike the overwhelming majority of organizations, agencies, and providers in our industry, we take immense pride in resolving all of our clients concerns without ever necessitating BBB intervention.
  
  Once more, please accept our apologies for any inconvenience you *** have experienced. There will be no further fees for our supplementary and We remain wholeheartedly committed to addressing your concerns and reinstating your confidence in our organization.Should you require further assistance or have additional concerns, please do not hesitate to contact our dedicated support team. For instance, if your bank account indeed incurred overdraft fees due to our products and services,please furnish evidence of any payments, fees, penalties, and/or interest you *** have had to pay to your bank as a result of your overdrawn status due to our fees. Please forward proof of the amounts paid to your bank regarding this matter to *********************************************** Please rest assured, we are here to offer the guidance and support you *** require.
  
  Your presence as a valued member of our community is greatly appreciated. Your trust and satisfaction remain paramount, and our unwavering pursuit of excellence in serving you and our esteemed clients shall continue.
  
  With utmost respect,
  
  $ Foundation

• Initial Complaint

  10/23/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My attorney gave me this site for taking my credit counseling courses. I took the course on 10/18/2023 and paid a total of $51.44. Every since that day this company has been trying to charge my card of different amounts and I don't understand why! I think this company is a scam trying to get over on people and its not right!!!

  Business response

  11/02/2023

  Dear ******************,
  
  Please allow us to express our profound understanding of the distress you have encountered in relation to the recent issue you have brought to our attention. Our unwavering commitment to the well-being of our clients is the foundation of our heartfelt regret for any adverse repercussions that *** have transpired. We wish to reassure you that our steadfast dedication remains unwaveringly focused on addressing your concerns and ensuring your complete contentment.
  
  Upon the receipt of your case, we promptly initiated appropriate measures to address the matter in accordance with your requested resolution, which is the assurance of no further processing of products and services, and also this explanatory communication.This expeditious response underscores our resolute commitment to meeting your expectations and delivering a resolution that leaves you content with your experiences.
  
  Our organization, an esteemed nonprofit entity possessing a distinguished 501(c)(3) status, has had the privilege of serving a diverse clientele for over a decade, each with unique needs and circumstances. Throughout this journey, our unyielding adherence to our mission, guided by the principles of compassion, empathy, and professionalism, has been the bedrock of our service provision.
  
  Your satisfaction remains our foremost concern, and we deeply appreciate the trust you have placed in our organization. We acknowledge the potential impact this situation *** have had on you and once again extend our heartfelt apologies for any distress it *** have caused. Constructive feedback from clients such as yourself is invaluable as we persistently endeavor to enhance and refine our services, ensuring that future interactions are nothing less than exceptional.
  
  With regard to the additional fees you have referenced, our organization not only provides pre-filing bankruptcy credit counseling and post-filing/pre-discharge debtor education courses but, as delineated in our mandatory disclosures accepted by all clients before registering for credit counseling or debtor education, a variety of supplementary products and services are also offered. According to our records, certain items were associated with your account.
  
  Concerning our supplementary and discretionary products and services, it is imperative to elucidate our procedural approach. While product and service transactions are processed only once, we adhere to a policy that defers fee debits from client accounts until services have been rendered. Consequently, certain fees *** appear on statements at a later date, notwithstanding the fact that the initial transaction for all our products and services is processed only once and concurrently. It is crucial to emphasize that we neither retain nor possess client payment information, thereby ensuring the security and confidentiality of our esteemed clients.
  
  Should you believe that you did not request some or any of the additional products and services, it is imperative to consider that rare and unforeseen processing errors *** ensue due to client-side factors. Several contributing factors warrant consideration:
  
      Unsupported Internet Browsers: The utilization of unsupported internet browsers *** give rise to compatibility issues with our system, potentially resulting in processing errors during transactions.
  
      Out-of-Date Browsers: Neglecting to update your browser to the latest version *** introduce compatibility issues and potential processing errors. Maintaining an up-to-date browser ensures access to essential security patches and bug fixes, thereby enhancing transactional fluidity.
  
      Unsupported Platforms: Our system *** not be entirely compatible with platforms beyond widely recognized ones, such as iOS, Android, Windows, and Mac. The utilization of unsupported platforms can introduce inconsistencies and transactional errors.
  
      Malware: The presence of malicious software or malware on a client's device can disrupt our system's proper functioning and lead to processing errors. Vigilant maintenance of robust antivirus protection and regular device scans to detect and eliminate malware is imperative.
  
      Multiple Browser Tabs: The simultaneous operation of multiple browser tabs while conducting transactions can strain system resources, potentially causing errors. Closing superfluous tabs is recommended to optimize transactional performance.
  
      Multiple Browser Instances: Concurrently running multiple instances of different browsers *** introduce conflicts and create processing errors. It is advisable to utilize a single browser and close any extraneous instances to mitigate such issues.
  
      Multiple Incomplete Registrations: The persistence of incomplete registrations or sessions across multiple devices or platforms *** result in processing errors. Ensuring the completion or closure of ongoing registrations before initiating a new transaction is crucial to prevent potential conflicts.
  
      Browser Navigation Buttons: Interactions with browser navigation buttons, such as refresh, stop, back, or forward,during transactions can disrupt the process and cause errors. Their use is best avoided unless explicitly directed during the transaction.
  
      Non-Saved Deselected Products/Services:Failure to save deselected products or services during transactions, leading to non-reflective changes, can result in errors. Ensuring the accurate saving and reflection of any alterations made is imperative.
  
      Non-Saved Selected Products/Services:Similar to the previous point, failing to save selected products or services *** result in processing errors. Verification of the accurate saving and reflection of all selections is essential before proceeding with the transaction.
  
  While client-side issues contributing to processing errors are infrequent, we are steadfastly committed to continuous efforts aimed at optimizing system compatibility and minimizing such occurrences. Should you encounter any processing errors, our dedicated support team is readily available to assist and promptly resolve any issues.
  
  It is equally critical to once again underscore that our payment systems are structured to preclude the retention of client payment information once initial client transactions have been processed. These payment systems are subject to rigorous oversight by highly regulated third-party merchant account providers and financial institutions. Stringent audits are conducted to ensure strict compliance with the Payment Card Industry (PCI) *********************** a pivotal information security measure designed to safeguard major card brands.
  
  Our organization remains unswervingly committed to striving for the highest service standards, guided by principles of integrity, trustworthiness, and a client-centric ethos. Our primary objective is the attainment of complete client satisfaction. In fact,our track record unequivocally attests that none of our clients have necessitated recourse to the Better Business Bureau (BBB) for resolution.Instances of BBB engagement typically arise due to our prior issuance of full refunds to clients who subsequently pursued identical resolutions via the BBB,or because clients had not yet initiated contact with us before filing with the BBB. We take immense pride in resolving concerns without necessitating BBB intervention.
  
  Once more, please accept our apologies for any inconvenience you *** have experienced. We remain wholeheartedly committed to addressing your concerns and reinstating your confidence in our organization. Should you require further assistance or have additional concerns, do not hesitate to contact our dedicated support team. We are here to offer the guidance and support you *** require.
  
  Your presence as a valued member of our community is greatly appreciated. Your trust and satisfaction remain paramount, and our unwavering pursuit of excellence in serving you and our esteemed clients shall continue.
  
  With our utmost respect,
  
  $ Foundation

• Initial Complaint

  10/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I filed bankruptcy on Tuesday 10/3/23. I paid dollar learning foundation $22.47 for the second course I had to take to complete my bankruptcy requirements. This company then randomly charged me $35.97 for services they "thought I wanted". (Their words). I called them immediately and they said they would take off the pending charge of $35.97 that they took without authorization or permission. I did not owe them this money. Today instead of it showing taken off, it is pending for the charge to go through!! I have tried to call them back and they won't answer the phone. I want my money put back immediately that they stole from my bank account

  Business response

  10/16/2023

  October 16, 2023
  
  TO: The Better Business Bureau of **************
  
  RE: Inadequacy of Submission Under BBB Complaint Acceptance Guidelines
  
  It is the considered stance of $ Foundation that the current submission at hand does not align with the prescribed Complaint Acceptance Guidelines established by the Better Business Bureau (BBB). This assessment rests upon the foundation that the subject matter in question has, in fact, been effectively ameliorated through a prior reconciliation reached between the parties involved. To elaborate, this anterior accord materialized in the form of a complete monetary restitution, executed by $ Foundation in favor of the aggrieved consumer antecedent to the present BBB submission. Furthermore, it merits emphasis that the complainant expressly articulated that a mutual consensus had been arrived at by both parties, wherein the desired redress was unequivocally stipulated as a refund.
  
  It is incumbent upon the consumer to have received the complete reimbursement in due course, consequent to the aforementioned settlement between the two principal parties, namely, $ Foundation and the consumer. This antecedent agreement mirrors precisely the desired resolution articulated in the consumer's subsequently lodged submission, which, to reiterate, was the issuance of a refund. Notwithstanding, should the consumer harbor any supplementary concerns, $ Foundation extends an open channel of communication via electronic mail to our compliance department at **********************************************. This overture emanates from $ Foundation's steadfast commitment to conscientiously addressing the consumer's apprehensions across a comprehensive spectrum of issues. It is noteworthy that this commitment transcends the particular matter that has been unequivocally resolved and laid to rest prior to the present submission.
  
  Respectfully Yours,
  $ Foundation, ****

  Customer response

  10/17/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *********************************

• Initial Complaint

  09/07/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I took course for bankruptcy and was charged $29.47 day of taking course; why is there now additional $11.99 charge that I did not authorize or buy anything extra to warrant these charges. They are taking advantage of the very people suppose to counsel and assist with organizing finances.

  Business response

  09/18/2023

  Dear Mr./****************,
  
  We wish to express our profound empathy for the distress you have endured concerning the recent matter brought to our attention. The welfare of our clients constitutes the bedrock of our commitment, and we sincerely regret any adverse impact this situation may have had on you. Please be assured that our unwavering dedication remains firmly directed towards addressing your concerns and ensuring your complete satisfaction.
  
  Upon receipt of your report, swift action was initiated to address the issue in strict adherence to your requested resolution, which encompassed a full refund. This expeditious response underscores our unyielding commitment to meeting your expectations and furnishing a resolution that leaves you entirely content.
  
  For over a decade, our organization has stood as an esteemed educational nonprofit, holding the esteemed 501(c)(3) status, and has had the privilege of serving a diverse clientele, each possessing unique needs and circumstances. Throughout this journey, our steadfast adherence to our mission to provide exceptional services has been unwavering, underscored by the core values of compassion, empathy, and professionalism.
  
  Your satisfaction remains our paramount concern, and we deeply appreciate the trust you have placed in our organization. We fully acknowledge the impact this situation has had on you, and we sincerely apologize for any distress it may have caused. Constructive feedback from clients like yourself plays an invaluable role in our continuous efforts to enhance and refine our services, ensuring that future interactions are even more extraordinary.
  
  Concerning the additional fees you mentioned, it is vital to clarify our procedural approach. While we process transactions only once, we adhere to the policy of deferring fee debits from client accounts until services have been rendered. As a result, certain fees may appear on statements at a subsequent date, notwithstanding the initial transaction for all our products and services being processed only once and simultaneously. It is imperative to emphasize that we neither retain nor possess client payment information, safeguarding the security and confidentiality of our clients.
  
  Though infrequent,unforeseen processing errors may arise due to client-side factors. Several contributory factors warrant consideration:
  
  Unsupported Internet Browsers: Usage of unsupported internet browsers may result in compatibility issues with our system, potentially leading to processing errors during transactions.
  
  Out-of-Date Browsers: Neglecting to update one's browser to the latest version can introduce compatibility issues and potential processing errors. Ensuring an up-to-date browser guarantees access to essential security patches and bug fixes, enhancing transactional fluidity.
  
  Unsupported Platforms: Our system may not be entirely compatible with platforms beyond widely recognized ones such as iOS, Android, Windows, and Mac. Deployment of unsupported platforms can introduce inconsistencies and transactional errors.
  
  Malware: Malicious software or malware present on a client's device can disrupt our system's proper functioning and result in processing errors. Vigilant maintenance of robust antivirus protection and regular device scans to detect and eliminate malware is imperative.
  
  Multiple Browser Tabs: The simultaneous operation of multiple browser tabs while conducting transactions can strain system resources, leading to errors. Closing superfluous tabs is recommended to optimize transactional performance.
  
  Multiple Browser Instances: Concurrent operation of multiple instances of different browsers may introduce conflicts and create processing errors. Utilizing a single browser and closing any extraneous instances is advisable to mitigate such issues.
  
  Multiple Incomplete Registrations: If incomplete registrations or sessions persist on multiple devices or platforms, processing errors may ensue. Verifying the completion or closure of ongoing registrations before initiating a new transaction is crucial to forestall potential conflicts.
  
  Browser Navigation Buttons: Interactions with browser navigation buttons, such as refresh, stop, back, or forward, during transactions can disrupt the process and cause errors. Their use is best avoided unless explicitly directed during the transaction.
  
  Non-Saved Deselected Products/Services: Failure to save deselected products or services during transactions, resulting in non-reflective changes, can lead to errors. It is imperative to ensure the accurate saving and reflection of any alterations made.
  
  Non-Saved Selected Products/Services: Similar to the previous point, failure to save selected products or services can result in processing errors. Verification of the accurate saving and reflection of all selections is essential before proceeding with the transaction.
  
  Although client-side issues leading to processing errors are uncommon, we are committed to ongoing efforts aimed at optimizing system compatibility and minimizing such occurrences. Should you encounter any processing errors, our dedicated support team stands ready to assist and promptly resolve any issues.
  
  It is equally important to underscore that our payment systems are overseen by highly regulated third-party merchant account providers and financial institutions. Stringent audits are conducted to ensure strict compliance with the Payment Card Industry (PCI) *********************** a pivotal information security measure designed to safeguard major card brands.
  
  At our organization, our unwavering commitment remains firmly rooted in striving to achieve the highest service standards, guided by the principles of integrity, trustworthiness, and a client-centric ethos. Our foremost objective is the attainment of complete client satisfaction. In fact, our track record unequivocally attests to the fact that none of our clients have necessitated contacting the Better Business Bureau (BBB) for resolution. Instances of BBB engagement typically arise due to our prior issuance of full refunds to clients who subsequently pursued identical resolutions via the BBB, or because clients had not yet initiated contact with us prior to their BBB filing. We take great pride in resolving concerns without necessitating BBB intervention.
  
  Once more, please accept our most sincere apologies for any inconvenience you may have experienced. We remain wholeheartedly committed to addressing your concerns and reinstating your confidence in our organization. Should you require further assistance or have additional concerns, do not hesitate to contact our dedicated support team. We are here to offer the guidance and support you may require.
  
  Your presence as a valued member of our community is greatly appreciated. Your trust and satisfaction remain paramount, and our unwavering pursuit of excellence in serving you and our esteemed clients shall continue.
  
  With our utmost and heartfelt empathy,
  
  $ Foundation

• Initial Complaint

  08/30/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Beware. This is a professional, predatory, scam company. They provide required certification courses at a low cost in order for individuals to file for bankruptcy, in which they also hide additional, unnecessary charges that you are automatically signed up for unless you opt out prior to payment. I was wqrned of this by my attorney and I did ensure that I opted out of ALL additional charges. Yet today, 2 weeks after paying for my final course, my bank account is hit with an additional, unauthorized charge from this company. Fortunately for me, my bank account blocked the charge. I called and had words with a billing representative from Dollar Learning Foundation and he assured me that he cancelled all reoccurring charges on my account and that this should not happen again. However, after reading the reviews here on the BBB of other individuals having similar experiences and still receiving charges, I am leery. My bank has been notified of ALL events preceding this review, and are ready to decline any additional charges initiated by this company and will cancel my accounts if it comes to that. I personally, find it disgusting that a company will intentionally kick people while they are down, and take more money out of pockets that have nothing left to give.

  Business response

  09/18/2023

  Dear ****************,
  
  We acknowledge and understand the distress you may have encountered in relation to the recent matter you have brought to our attention. However, we must respectfully assert that certain aspects of your statement may potentially fall within the purview of willful defamation. It appears probable that your statement was made with knowledge of its falsity and/or reckless disregard for the truth. Additionally,it is noteworthy that the resolution you seek, as well as any-and-all refunds,had already been fully addressed prior to your filing with the Better Business Bureau (BBB), rendering this filing moot.
  
  For over a decade, our organization, a highly regarded educational nonprofit possessing a distinguished 501(c)(3) status, has had the privilege of serving a diverse clientele, each with unique needs and circumstances. Throughout our journey, we have steadfastly upheld our mission to provide exceptional services while unwaveringly adhering to the fundamental values of compassion, empathy, and professionalism. Consequently, it is unjust and injurious to our organization that we are confronted with derogatory statements that are inflammatory,gratuitous, and/or irrelevant.
  
  Upon receipt of your statement,we promptly took decisive action in alignment with your desired resolution;nevertheless, it has come to our attention that your desired resolution had already been satisfactorily addressed prior to your BBB filing, rendering this filing redundant and inapplicable.
  
  Once again, at our organization, we relentlessly pursue the highest standards of service, guided by principles of integrity, trustworthiness, and a client-centric approach. Our primary objective is to attain complete satisfaction for each-and-every client we serve. In fact, our track record unequivocally demonstrates that none of our clients have ever found it necessary to engage the Better Business Bureau (BBB)for a desired resolution. Instances of BBB involvement typically arise either because we had already issued a full refund to the client, and yet the client pursued the same resolution through the BBB, or because the client had not made prior contact with us before initiating their BBB complaint. Our ability to resolve concerns without necessitating BBB intervention is a source of considerable pride for us.
  
  Sincerely,
  
  $ Foundation

  Customer response

  09/18/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  08/22/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Filed for bankruptcy early 2023.Had to pay for 2 separate courses as part of bankruptcy filing.Did not expect to see no agree to a monthly charge after this. Noticed this charge today, 08/21/2023 and thought it said Dollar General which raised a flag because I didn't leave my house today. Then I realized it was Dollar Learning. Searched Dollar Learning in my bank statements and realized they have been charging me every month since February after the first 2 initial charges. I was only paying for the 2 courses I needed to satisfy my bankruptcy filing. They charged me $150.88 since February.

  Business response

  09/18/2023

  Dear Mr./**************,
  
  We deeply empathize with the distress you have endured regarding the recent matter brought to our attention. Our commitment to our clients' well-being underscores our sincere regret for any adverse impact this situation may have caused. Please rest assured that our steadfast dedication remains firmly focused on addressing your concerns and ensuring your complete satisfaction.
  
  Upon receiving your report, we promptly initiated action to address the matter, aligning with your requested resolution, which encompassed a full refund. This swift response underscores our resolute commitment to meeting your expectations and delivering a resolution that leaves you content considering your experience(s).
  
  Our organization, an educational nonprofit with a distinguished 501(c)(3) status, has had the privilege of serving a diverse clientele for over a decade, each with unique needs and circumstances. Throughout this journey, our unwavering adherence to our mission to provide exceptional services has been underscored by the core values of compassion, empathy, and professionalism.
  
  Your satisfaction remains our foremost concern, and we deeply appreciate the trust you have bestowed upon our organization. We recognize the impact this situation may have had on you and once again extend our heartfelt apologies for any distress it may have caused. Constructive feedback from clients like yourself is invaluable as we continuously strive to enhance and refine our services, ensuring that future interactions are exceptional.
  
  Regarding the additional fees you mentioned, it is imperative to clarify our procedural approach. While we process transactions only once, we adhere to the policy of postponing fee debits from client accounts until services have been rendered. Consequently,specific fees may appear on statements at a later date, notwithstanding the fact that the initial transaction for all our products and services is processed only once and simultaneously. It is essential to emphasize that we neither retain nor possess client payment information, ensuring the security and confidentiality of our clients.
  
  Although uncommon,unforeseen processing errors may arise due to client-side factors. Several contributing factors warrant consideration:
  
  Unsupported Internet Browsers: The utilization of unsupported internet browsers may lead to compatibility issues with our system, potentially resulting in processing errors during transactions.
  
  Out-of-Date Browsers: Neglecting to update your browser to the latest version may introduce compatibility issues and potential processing errors. Maintaining an up-to-date browser ensures access to essential security patches and bug fixes, enhancing transactional fluidity.
  
  Unsupported Platforms: Our system may not be entirely compatible with platforms beyond widely recognized ones, such as iOS, Android, Windows, and Mac. Employing unsupported platforms can introduce inconsistencies and transactional errors.
  
  Malware: The presence of malicious software or malware on a client's device can disrupt our system's proper functioning and lead to processing errors. Vigilant maintenance of robust antivirus protection and regular device scans to detect and eliminate malware is imperative.
  
  Multiple Browser Tabs: The simultaneous operation of multiple browser tabs while conducting transactions can strain system resources, potentially causing errors. Closing superfluous tabs is recommended to optimize transactional performance.
  
  Multiple Browser Instances: Concurrently running multiple instances of different browsers may introduce conflicts and create processing errors. It is advisable to utilize a single browser and close any extraneous instances to mitigate such issues.
  
  Multiple Incomplete Registrations: The persistence of incomplete registrations or sessions across multiple devices or platforms may result in processing errors. Ensuring the completion or closure of ongoing registrations before initiating a new transaction is crucial to prevent potential conflicts.
  
  Browser Navigation Buttons: Interactions with browser navigation buttons, such as refresh, stop, back, or forward, during transactions can disrupt the process and cause errors. Their use is best avoided unless explicitly directed during the transaction.
  
  Non-Saved Deselected Products/Services: Failure to save deselected products or services during transactions, leading to non-reflective changes, can result in errors. Ensuring the accurate saving and reflection of any alterations made is imperative.
  
  Non-Saved Selected Products/Services: Similar to the previous point, failing to save selected products or services may result in processing errors. Verification of the accurate saving and reflection of all selections is essential before proceeding with the transaction.
  
  Although client-side issues contributing to processing errors are infrequent, we are committed to ongoing efforts aimed at optimizing system compatibility and minimizing such occurrences. Should you encounter any processing errors, our dedicated support team is readily available to assist and promptly resolve any issues.
  
  It is equally critical to underscore that our payment systems are overseen by highly regulated third-party merchant account providers and financial institutions. Stringent audits are conducted to ensure strict compliance with the Payment Card Industry (PCI) *********************** a pivotal information security measure designed to safeguard major card brands.
  
  Our organization remains steadfastly committed to striving for the highest service standards, guided by principles of integrity, trustworthiness, and a client-centric ethos. Our primary objective is the attainment of complete client satisfaction. In fact,our track record unequivocally attests that none of our clients have required recourse to the Better Business Bureau (BBB) for resolution. Instances of BBB engagement typically arise due to our prior issuance of full refunds to clients who subsequently pursued identical resolutions via the BBB, or because clients had not yet initiated contact with us before filing with the BBB. We take immense pride in resolving concerns without necessitating BBB intervention.
  
  Once more, please accept our most sincere apologies for any inconvenience you may have experienced. We remain wholeheartedly committed to addressing your concerns and reinstating your confidence in our organization. Should you require further assistance or have additional concerns, do not hesitate to contact our dedicated support team. We are here to offer the guidance and support you may require.
  
  Your presence as a valued member of our community is greatly appreciated. Your trust and satisfaction remain paramount, and our unwavering pursuit of excellence in serving you and our esteemed clients shall continue.
  
  With our utmost and heartfelt empathy,
  
  $ Foundation

  Customer response

  09/23/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************

• Initial Complaint

  07/03/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I took the two courses necessary for my bankruptcy and paid the approximately $48.44 for both. We were charged for these on March 28th and March 29th, 2023. We have since been charged SIX different times since then, totalling $143.86. This has put us negative with our bank each time, which has resulted in approximately $175.00 in overdraft fees. It is clear some type of fraud is occurring based on these charges in addition to similar complaints I am finding online. I expect this to be resolved immediately with a refund of $143.86 in addition to the overdraft fees of $175.00 as this has put an EXTREME degree of added stress into our already inherently stressful financial situation. You are literally robbing from the poor.

  Business response

  07/13/2023

  Dear ******************,
  
  We deeply empathize with the distress you have experienced in relation to the recent situation that you have brought to our attention. The well-being of our clients is of utmost importance to our organization, and we sincerely apologize for any negative impact it *** have had on you. Please know that we are fully dedicated to addressing your concerns and ensuring your complete satisfaction.
  
  Upon receiving your report, we immediately took decisive action to address the matter in accordance with your desired resolution, which involved a full refund. We acted swiftly to process the refund, illustrating our unwavering commitment to meeting your expectations and providing you with a resolution that leaves you fully satisfied. Furthermore, we kindly request that you send an email to *********************************************** attaching proof of any overdraft fees incurred.Our team will work diligently to resolve this final matter as quickly as possible, striving to provide you with a resolution that brings you peace of mind.
  
  For more than a decade,our organization, an esteemed educational nonprofit with a distinguished 501(c)3 status, has had the honor of serving a vast number of clients, each with unique needs and circumstances. Throughout our journey, we have remained resolute in our mission to provide exceptional services while upholding the core values of compassion, empathy, and professionalism.
  
  Your satisfaction is of paramount importance to us, and we genuinely appreciate your trust in our organization. We recognize the impact this situation has had on you, and we are truly sorry for any distress caused. It is through valuable feedback from clients like you that we are able to continuously improve and refine our services,ensuring that future experiences are even more remarkable.
  
  Regarding the additional fees you mentioned, it is important to clarify our approach. While we process all transactions one time only, we also adhere to the policy of not debiting fees from client accounts until the service has been rendered.  Therefore, it is possible that certain fees *** appear on statements at a later date, even though the initial transaction for all our products and services is processed only once and simultaneously.  We do not and cannot maintain client payment information, ensuring the security and privacy of our clients.
  
  While rare, unforeseen processing errors *** occur due to client-side issues.  There are several factors that can contribute to these errors:
  
  1.       Unsupported Internet browsers: Using unsupported internet browsers can lead to compatibility issues with our system. Certain features or functionalities *** not work as intended, resulting in processing errors during transactions.
  
  2.       Out-of-date browsers: Failing to update your browser to the latest version can cause compatibility issues and potential processing errors.Keeping your browser up to date ensures that you have the necessary security patches and bug fixes, enhancing the smooth functioning of transactions.
  
  3.       Unsupported platforms: Our system *** not be fully compatible with platforms other than widely used ones such as iOS, Android, Windows, and Mac. Using unsupported platforms can introduce inconsistencies and errors during the transaction process.
  
  4.       Malware: Malicious software or malware on your device can interfere with the proper functioning of our system and cause processing errors. It is crucial to maintain robust antivirus protection and regularly scan your device to detect and remove any malware that *** impact transaction processing.
  
  5.       Multiple browser tabs open simultaneously: Having multiple tabs open in your browser while processing a transaction can overwhelm system resources and result in errors. It is recommended to close unnecessary tabs to ensure optimal performance during transactions.
  
  6.       Multiple browsers open simultaneously: Running multiple instances of different browsers concurrently can introduce conflicts and create processing errors. It is advisable to use a single browser and close any unnecessary instances to avoid such issues.
  
  7.       Multiple incomplete registrations across different hardware/software platforms: If you have incomplete registrations or sessions open on multiple devices or platforms, it can lead to processing errors. Ensure that you complete or close any ongoing registrations before initiating a new transaction to prevent potential conflicts.
  
  8.       Clicking on browser navigation buttons: Interactions with browser navigation buttons such as refresh, stop, back, or forward during the transaction process can disrupt the flow and cause errors. It is best to avoid using these buttons unless explicitly instructed during the transaction process.
  
  9.       Failure to save deselected products/services: If clients deselect certain products or services during the transaction process, but the changes are not saved or properly reflected, it can lead to errors. It is essential to ensure that any changes made to selected products or services are accurately saved and reflected throughout the transaction.
  
  10.     Failure to save selected products/services:Similarly, if clients select certain products or services but the selections are not saved or properly recorded, it can result in processing errors. It is important to verify that all selected products or services are saved and reflected correctly before proceeding with the transaction.
  
  These client-side issues,while uncommon, can contribute to processing errors. We continuously work to optimize our system's compatibility and minimize the occurrence of such errors.If you encounter any processing errors, our support team is readily available to assist you and resolve any issues promptly.
  
  It is also important to note that our payment systems are managed by highly regulated third-party merchant account providers and financial institutions. We conduct regular audits to ensure compliance with the Payment Card Industry (PCI) *********************** an information security measure designed to protect major card brands.
  
  At our organization, we strive to meet the highest standards of service, guided by principles of integrity, trustworthiness, and client-centeredness. Our primary objective is to achieve complete satisfaction for each and every client we serve. In fact,our track record demonstrates that none of our clients have ever needed to contact the Better Business Bureau (BBB) for a desired resolution. Any involvement with the BBB has occurred either because we had already issued a full refund to the client, but the client still sought the same resolution through the BBB, or because the client had not yet reached out to us before filing their BBB complaint. Resolving concerns without the need for BBB intervention is something we take great pride in.
  
  Once again, please accept our sincerest apologies for any inconvenience caused. We are deeply committed to addressing your concerns and restoring your faith in our organization.Should you require any further assistance or have any additional concerns,please do not hesitate to contact our dedicated support team. We are here to provide the guidance and support you need.
  
  Thank you for being a valued member of our community. Your trust and satisfaction mean the world to us, and we will continue to strive for excellence in serving you and our esteemed clients.
  
  With heartfelt empathy,
  
  $ Foundation

*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. ↩