ComplaintsforFrank W. Cawood & Associates, Inc.

• Initial Complaint

  06/15/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  Reading through other complaints, it is obvious that this business is consistently targeting our elderly. This business has mailed my ********************************************* pay for and is now billing him for it. This is a scam targeting the elderly. I would like his address removed from this mailing list please and I would like for them to cease all billing, as my father did not agree to purchase anything.

  

  Business response

  06/18/2024

  We have received your concern from BBB of *************, ******, & NE *******, **********, ** regarding a product your father received but you feel he did not order.
  
  Our records show several images of the Free No-Risk Preview Certificates that have been returned to us over the last several years.  Please note the returned Preview Certificate had a 'Yes - Id like to see it' sticker affixed to the certificate which means that someone took affirmative action to complete and return the Preview Certificate.  If this was not him then someone has access to his mail and you may wish to look into this concern.  We never send an unsolicited product to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have over five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We understand that misunderstandings happen or sometimes people change their minds. We dont ever want our customers to purchase a product that they are not completely satisfied with. 
  
  ************************ has been a long-time customer of ours and has ordered, paid and even returned several books through the years.  We are more than happy to help assist and address any confusion this matter has caused. 
  
  FC&A has been in business over 55 years and we sell various health and finance books written to help seniors and we also sell Pain Relief Rub and Age Away cream. Due to the content of our products the majority of our customer are seniors.  We would not be in business as long as we have been if we treated our customers as you suggested.  That is why we stand behind our 100% customer satisfaction guarantee and maintain a A+ rating with Better Business Bureau. Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. 
  
  We apologize for the inconvenience this has caused you. I have canceled the remaining bill, and he may keep the product. We will not bill him any further but, if he should receive a bill that is already in the mail, he may discard it in full assurance that he does not owe anything for this product. We have also removed Mr. **************** from our mailing list. However, due to our advertising process there may be some pieces already in the mail.  Please disregard any new mail pieces.
  
  Thank you for giving us this opportunity to correct any misunderstandings.
  
  Please let us know if we can help you in any way in the future. You may reach us at **************, Mon-Thur, 9 am to 5 pm EST.
  
  Sincerely,
  ***********************
  Customer Service Manager

  Customer response

  06/20/2024

   
  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.
  

  I am pleased that they have removed my father, *********************************, from their mailing list.  Their response is suspicious however, as my Dads name is not as they provided as their proof that he requested the book. I am disappointed in this company and any company that takes advantage of our senior citizens. 
  
  Sincerely,
  
  *****************************

• Initial Complaint

  04/20/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  This business has mailed my grandmother a book she did not order or pay for and is now billing her for it. This is a scam targeting the elderly. I would like her address removed from this mailing list please and I would like for them to cease all billing, as my grandmother did not agree to purchase anything.

  

  Business response

  04/23/2024

  We have received your concern from BBB of *************, ******, & NE *******, **********, ** regarding products your grandmother received but you feel she did not order.
  
  Our records do show an images of a Free No-Risk Preview Certificate that was returned to us.  Please note the returned card had a 'Yes - Id like to see it' sticker affixed to the card which means that someone took affirmative action to complete and return the card.  If this was not her then someone has access to her mail and you may wish to look into this concern.  We never send unsolicited product to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have over five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We apologize for the inconvenience this has caused her. I have canceled the order, and she may keep the product. We will not bill her any further, but, if she should receive a bill that is already in the mail, she may discard it in full assurance that she does not owe anything for this product. **************** has also been removed from our mailing list. However, due to our advertising process there may be some pieces already in the mail.  Please disregard any new mail pieces. 
  
  We understand that misunderstandings happen or sometimes people change their minds. FC&A has been in business over 54 years and we sell various health and finance books written to help seniors and we also sell Pain Relief Rub and Age Away cream. Due to the content of our products the majority of our customer are seniors.  That is why we stand behind our 100% customer satisfaction guarantee and maintain a A+ rating with Better Business Bureau. Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. If they are not satisfied with our products all they need to do is return them and we will send a refund for the returned product.  
  
  Thank you for giving us this opportunity to correct any misunderstandings.
  
  Please let us know if we can help you in any way in the future. You may reach us at **************, Mon-Fri, 9 am to 5 pm EST.
  
  Sincerely,
  ***********************
  Customer Service Manager
  
  

• Initial Complaint

  04/19/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  My mother is 88. She never ordered the books and sent several back. The bill insist she owed *****. She finally paid it and we have a return check from the bank saying so. They now say she owes *****. I refuse to let her send another ***** after we send several books back that she never ask for. Please do something about this company. They are targeting Senior citizens.

  

  Business response

  04/23/2024

  We have received your concern from BBB of *************, ******, & NE *******, Alpharetta, ** regarding products your mother has received but feel she did not order.
  
  Our records do include images of the Free No-Risk Preview Certificates that were returned to us.  If this was not her then someone has access to her mail and you may wish to look into this concern.  We never send unsolicited product to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have over five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We understand that misunderstandings happen or sometimes people change their minds. FC&A has been in business over 54 years and we sell various health and finance books written to help seniors and we also sell Pain Relief Rub and Age Away cream. Due to the content of our products the majority of our customer are seniors.  That is why we stand behind our 100% customer satisfaction guarantee and maintain an A+ rating with Better Business Bureau. Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. If they are not satisfied with our products all they need to do is return them and we will send a refund for the returned product.
  
  Our records do show we received two phone calls on 4/22/24 regarding this invoice. Our customer service representatives did explain the invoice and also sent an e-mail with copies of the order cards and payments we have received. We do hope this has cleared up any misunderstandings. We have also removed Ms. ******** name and address from our mailing list. However, due to our advertising process there may be some pieces already in the mail.  Please disregard any new mail pieces.
  
  Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. Thank you for giving us this opportunity to make things right.
  
  Please let us know if we can help you in any way in the future. You may reach us at **************, Mon-Fri, 9 am to 5 pm EST.
  
  Sincerely,
  ***********************
  Customer Service Manager

• Initial Complaint

  03/20/2024

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  My 86 year old mother has never ordered a book from this company, however was sent one that she didnt want. Now she is receiving past due notices threatening late fees. Please cease and desist . Very upsetting to her. She claims she has paid once , even though she didnt order.

  

  Business response

  03/21/2024

  We have received your concern from BBB of Metro Atlanta, ******, & NE *******, **********, ** regarding a product your mother received but you feel she did not order.
  
  Our records do include an image of the order form that was returned to us.  Please note the order form is filled out asking to review one of our books. This order from was enclosed with her payment for 3 jars of Pain Relief Rub that was ordered and shipped to her address in July 2023.  We never send unsolicited product to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have over five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We understand that misunderstandings happen or sometimes people change their minds. We dont want you to ever take a product that doesnt thrill you. That is why we stand behind all our products with a 100% money-back guarantee.
  
  We apologize for the inconvenience this has caused her. I have canceled the order, and she may keep the product. We will not bill her any further, but, if she should receive a bill that is already in the mail, she may discard it in full assurance that she does not owe anything for this product. ********** has also been removed from our mailing list. However, due to our advertising process there may be some pieces already in the mail.  Please disregard any new mail pieces.
  
  Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. Thank you for giving us this opportunity to make things right.
  
  Please let us know if we can help you in any way in the future. You may reach us at **************, Mon-Fri, 9 am to 5 pm EST.
  
  Sincerely,
  ***********************
  Customer Service Manager

• Initial Complaint

  02/18/2024

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  This business sent a product that I never ordered and asks for payment and threatens late fees if I dont pay. There is no email to write to to stop the harassment. They are hoping I will call so that they have my number to harass me

  

  Business response

  02/20/2024

  We have received your concern from BBB of Metro Atlanta, ******, & NE *******, **********, ** regarding a product you received but feel you did not order.
  
  Our records do include an image of the Free No-Risk Preview Certificate that was returned to us.  Please note the returned card had a 'Yes - Id like to see it' sticker affixed to the card which means that someone took affirmative action to complete and return the card.  If this was not you then someone has access to your mail and you may wish to look into this concern.  We never send unsolicited product to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We understand that misunderstandings happen or sometimes people change their minds. We dont want you to ever take a product that doesnt thrill you. That is why we stand behind all our products with a 100% money-back guarantee.
  
  We apologize for the inconvenience this has caused you. I have canceled the order, and you may keep the jars of Age Away Skin Cream. We will not bill you any further, but, if you do receive a bill that is already in the mail, you may discard it in full assurance that you do not owe anything for this product. We have also removed your name and address from our mailing list. However, due to our advertising process there may be some pieces already in the mail.  Please disregard any new mail pieces.
  
  Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. Thank you for giving us this opportunity to make things right.
  
  Please let us know if we can help you in any way in the future. You may reach us at **************, Mon-Fri, 9 am to 5 pm EST or by using our Contact Us form on our web site, www.fca.com . You may also e-mail our *************************** at ***********************
  
  Sincerely,
  ***********************
  Customer Service Manager

  Customer response

  02/20/2024

   
  Complaint: 21310986
  
  I am rejecting this response because:

  The evidence submitted by the company indicating that I asked for the free creams and the brochure are false and evidence of continued deception by this company.  

  I did not submit such cards and no one has control of my mail as this company suggests. 

  This is a tactic that the company uses to cover its tracks.  

  Sincerely,
  
  **********************

  

  Business response

  02/21/2024

  We have received your concern from BBB of Metro Atlanta, ******, & NE *******, **********, ** in response to the documents we provided.
  
  We understand that you do not recall sending the order cards to us, and that you attest no one else could have had access to your mail to send these to us.
  
  The previously provided images included the last 2 order cards we received, but we also received another order from you in August 2023 for a book titled "The ************************ Secrets Handbook". After this product was shipped, we subsequently received a payment from you in September 2023 in the form of a personal check signed by you. Please review these documents and keep for your records.
  
  Again, we'd like to assure you that we operate on the highest level of ethics in our industry, and we have five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  As a reminder, we have canceled the order for the Age Away Skin Cream, and you can throw away any other bills you find for this product.
  
  Please continue to let us know if we can help you in any way in the future. You may reach us at **************, Mon-Fri, 9 am to 5 pm EST or by using our Contact Us form on our web site, www.fca.com . You may also e-mail our ***************************** at ***********************
  Sincerely,
  *************************
  ****************** Manager

• Initial Complaint

  02/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company has been billing my elderly mother for several months now. She is 84 years old and she never ordered any books, but she has received them. She mailed them back and stated that she didn't want, or request the books, but she continues to get nasty billing statements. They won't reply to phone calls, and the number on the website doesn't match. They said they are a different company. This is frustrating and stressful for my mother. Please cancel all billing and shipping. She doesn't want anything to do with your business.

  

  Business response

  02/20/2024

  We have received your concern from BBB of Metro Atlanta, ******, & NE *******, **********, ** regarding a product your mother has received but you feel she did not order.
  
  Our records do include an image of the Free No-Risk Preview Certificate that was returned to us.  Please note the returned card had a 'Yes - Id like to see it' sticker affixed to the card which means that someone took affirmative action to complete and return the card.  If this was not her then someone has access to her mail and you may wish to look into this concern.  We never send unsolicited product to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have over five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We also show that ****************** has been a customer of ours since 2014 and has ordered, paid and returned several products during that time. The last two books she ordered were returned and received by us on 2/14/24 which made her account have a zero balance. 
  
  We understand that misunderstandings happen or sometimes people change their minds. We dont want you to ever take a product that doesnt thrill you. That is why we stand behind all our products with a 100% money-back guarantee.
  
  We apologize for the inconvenience this has caused you. We are not sure why you were not able to reach us by phone.  Our ***** is the one that is on her invoice and our *************************** is here answering calls Monday thru Friday. 
  
  Her invoice is already marked returned and we will not bill her any further, but, if you do receive a bill that is already in the mail, you may discard it in full assurance that she does not owe anything for this product. ****************** has also been removed from our mailing list. However, due to our advertising process there may be some pieces already in the mail.  Please disregard any new mail pieces.
  
  Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. Thank you for giving us this opportunity to make things right.
  
  Please let us know if we can help you in any way in the future. You may reach us at **************, Mon-Fri, 9 am to 5 pm EST.
  
  Sincerely,
  ***********************
  Customer Service Manager

• Initial Complaint

  02/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Just found out that FC&A has been scamming my grandmother out of $50 a year for 7 years. They send books she has never ordered every few months. She always returns a card that says CANCEL- REMOVE FROM LIST. They continue to threaten her with past due bills and aggressive collections attempts. She is 90 years old and has mental issues so she has no idea what these people are talking about but she gets scared of being in trouble with the law so she just forks over money. FC&A is a group of "good ole boys" bullies that are protected by someone else in the industry. I demand every dollar extorted from my grandmother be repair on grounds of FRAUD. This company has stolen money from my grandmother. BEWARE!

  

  Business response

  02/07/2024

  We have received your concern from BBB of Metro Atlanta, ******, & NE *******, **********, ** regarding products your grandmother received but you feel she did not order.
  
  Our records do show several images of Free No-Risk Preview Certificates that were returned to us.  Please note the returned cards had a 'Yes - Id like to see it' sticker affixed to the card which means that someone took affirmative action to complete and return the card.  If this was not her then someone has access to her mail and you may wish to look into this concern.  We never send unsolicited product to a customer. We have attached copies of these cards for you to view. As you can see on the images attached we never received any notes on them asking us to cancel or remover her from our mailing list.  We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We apologize for the inconvenience this has caused you. I do show both of her invoices were canceled when your called our **************** on 2/5/24 at 11:36 am EST.   We will not bill her any further, but, if she should receive a bill that is already in the mail, you may discard it in full assurance that she does not owe anything for this product. She has also been removed from our mailing list. However, due to our advertising process there may be some pieces already in the mail.  Please disregard any new mail pieces.
  
  **************** has been a longtime customer of ours and has ordered and paid for several books through the years.  We would have been more than happy to help assist and address any confusion this matter has caused. 
  
  We understand that misunderstandings happen or sometimes people change their minds. FC&A has been in business over 54 years and we sell various health and finance books written to help seniors and we also sell Pain Relief Rub and Age Away cream. Due to the content of our products the majority of our customer are seniors.  We would not be in business as long as we have been if we treated our customers as you suggested.  That is why we stand behind our 100% customer satisfaction guarantee and maintain a A+ rating with Better Business Bureau. Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. If they are not satisfied with our products all they need to do is return them and we will send a refund for the returned product.  We also never threaten our customers with aggressive collection attempts as you suggested and our records show she has never received any past due bills. 
  
  Thank you for giving us this opportunity to correct any misunderstandings.
  
  Please let us know if we can help you in any way in the future. You may reach us at **************, Mon-Fri, 9 am to 5 pm EST.
  
  Sincerely,
  ***********************
  **************** Manager

  Customer response

  02/07/2024

   
  Complaint: 21250229
  
  I am rejecting this response because:

  I requested compensation. Compensation was not a subject of your reply. My demand stands for repairation.
  
  Sincerely,
  
  *************************

  

  Business response

  02/07/2024

  As stated in our reply we will be more than happy to refund any products that she is not satisfied with. Simply return the books to our address and we will issue the refund in her name for each book returned.  Please make sure they are products from FC&A Publishing and not another publishing company.  You may return them to my attention and I will personally take care of this for her.  Our return address is ********************************************************************** 

  We do apologize for this misunderstanding. We received orders and placed the order as we were requested by our customer.

  Thank you,

  ***********************

• Initial Complaint

  01/19/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I received a book with the guaranty if I was not 100% satisfied I could cancel before first payment, the book contained inaccurate health information and was outdated. I marked cancel on first invoice that came with book, with a note if you want book back send a mailing label. No response, sent another on next bill same note, big letters cancel, they keep on billing adding charges, the book is a false printing of information from decades ago referring to a "country doctor" which is false I put down ***** as it would not go through, it is harassment the company is doing not honoring their policy or responding to our mail

  

  Business response

  01/22/2024

  We have received your concern from BBB of Metro Atlanta, ******, & NE *******, **********, ** regarding a product that you are not satisfied with and you would like to return.
  
  Our records show a phone call was received by our *************************** on 1/9/24 at 10:36 am EST regarding this invoice.  The caller first stated they never received the book and then later said they did have it. Our customer service representative was in the process of explaining to the caller that we are currently asking for the book to be donated to a local library when the caller disconnected the call.  At that time our representative did cancel the invoice due to the conversation. The balance is now zero and your name and address have been removed from out mailing list.
  
  Regarding previous letters you said were sent and the $30.00 that was paid to our company, we are currently showing no record of receiving either.  We do not require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised.  If you do find where you made that payment, please send proof of payment and we will be happy to refund you that amount.
   
  We are sorry for the inconvenience this has caused you and appreciate the opportunity to resolve this matter.
  
  Please let us know if we can help you in any way in the future.  
  
  If you have any questions please call our *************************** at ************** Mon-Fri from 9 am to 5 pm EST.
  
  Sincerely,
  
  ***********************
  Customer Service Manager

• Initial Complaint

  12/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Bill is 12/06/.2023 Invoice from FC&A, ********************************************************************** Order *********** *****************, ****************************************************************************. - my address There was no statement date Overdue account for "The Ageless Brain for Senio" $48.,25 Full balance now due $51.25 NEVER GOT THE SAID BOOK, NEVER ORDERED, ****

  

  Business response

  12/14/2023

  We have received your concern from BBB of Metro Atlanta, ******, & NE *******, **********, ** regarding a bill you received for a product you do not recall ordering nor receiving.
  
  Our records do include an image of a Free No-Risk Preview Certificate that was returned requesting to review the product on 7 /11/2023.  The product was shipped by **** on 7/13/2023 and shows delivered on 7/18/2023.  Please note, the returned card had a 'Yes - Id like to see it' sticker affixed to the card which means that someone took affirmative action to complete and return the card.  If this was not you then someone has access to your mail and you may wish to look into this concern. 
  
  We never send unsolicited products to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have over five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We understand that misunderstandings happen or sometimes people change their minds. We dont want you to ever take a product that doesnt thrill you. That is why we stand behind all our products with a 100% money-back guarantee.
  
  We apologize for the inconvenience this has already caused you.  I have canceled the order and you may keep the product if you find or receive it later.  We will not bill you any further, but, if you do receive a bill that is already in the mail, you may discard it in full assurance that you do not owe anything for this product.
  
  Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied.  Thank you for giving us this opportunity to make things right.
  
  Please let me know if we can help you in any way in the future. 
  
  If you have any questions please call our *************************** at ************** Mon-Fri from 9 am to 5 pm EST.
  
  Sincerely,
  
  ***********************
  Customer Service Manager

• Initial Complaint

  11/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  FC&A sending bills for book that was never requested. Unknown what initiated the actions by FC&A. Stop sending bills for unknown book that was not ordered.Son of elderly woman being bothered. All future annoyances by FC&A will be ignored. Never heard of, nor pursued this company.

  

  Business response

  11/22/2023

  We have received your concern from BBB of Metro Atlanta, Athens & NE *******, ******* , ** regarding a bill for a product that your mother has received.
  
  Our records do include an image of the Free No-Risk Preview Certificate that was returned to us.  Please note the returned card had a 'Yes - Id like to see it' sticker affixed to the card which means that someone took affirmative action to complete and return the card.  If this was not her then someone has access to her mail and you may wish to look into this concern.  We never send unsolicited product to a customer. We operate on the highest level of ethics in our industry which is why we never require payment for a product until our customers have a chance to hold it in their hands and see that they are getting exactly what we promised. We also have the best guarantee available - a lifetime return money back guarantee. We have over five decades of satisfied customers to attest to our commitment to their satisfaction.
  
  We understand that misunderstandings happen or sometimes people change their minds. We dont want our customers to ever take a product that doesnt thrill them. That is why we stand behind all our products with a 100% money-back guarantee.
  
  We apologize for the inconvenience this has caused you and your mother. I have canceled the order and if she should find the book, she may keep it or donate it to a local library. We will not bill her any further, but, if she does receive a bill that is already in the mail, she may discard it in full assurance that she does not owe anything for this product.
  
  Complete satisfaction is always guaranteed, and no payment is ever due from a customer who is not completely satisfied. Thank you for giving us this opportunity to make things right.
  
  Please let me know if we can help you in any way in the future.  
  
  If you have any questions please call our *************************** at ************** Mon-Fri from 9 am to 5 pm EST.
  
  Sincerely,
  
  ***********************
  Customer Service Manager

  Customer response

  11/27/2023

   
  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,
  
  ***************************

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