ComplaintsforDow Janes LLC

• Initial Complaint

  04/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I hope that my review prevents others from giving away $10,000 to Dow Janes, LLC. It would be naive of me to believe they will refund even a small portion because they won't. Dow Janes makes their money by taking money from other women! They will do anything and everything to make you sign with a creditor (Elective) by giving you X amount of payments w/no interest. This form of payment is not offered at the beginning. It is only offered when you have told them that $10K is more than you can afford. They use this dirty tactic when the salesperson knows they are about to lose the sale. They meticulously target vulnerable women, such as those with low incomes, credit histories, or debt by promising to teach them how to invest. The course has over ************************************************************ another module. It is also full of fillers such as psychological advice, manifesting strategies, lifestyle values, and so on. It is poorly organized making it extremely hard and tedious to navigate. I have a PhD in curriculum and instruction, and spent 7 years learning how students learn. The excessive amount of worksheets and ****** complicated Excel spreadsheets create an immediate equity problem, especially for those vulnerable women from low-income backgrounds. There is an assumption that ALL women have fallen into debt due to poor spending habits and lack of a conscious lifestyle. To those who have had to pay for legal services and psychological treatment for their kids, this is nothing but a guilt trip. They promise you will learn how to invest but they won't teach you until you are out of debt and the only advice is to get a side hustle to increase your income. They are clueless about what it is to have 2 jobs while being a caregiver. They fill their mouths with words such as spending hygiene, poor excuses, poor spending habits, and values. I wish I had more space to write, but VALUES is something they need to work on to stop taking advantage of others.

  Business response

  05/13/2024

  Hi there, 

  Thank you for taking the time to share your concerns and experiences with us. I'm sorry to hear your program experience has not met your expectations and seems to have caused significant frustration and disappointment.
  
  We are committed to empowering women+ by providing accessible and impactful financial education. We take your feedback seriously, especially as it pertains to the pricing and presentation of our payment options. Our intention with offering a payment plan like Elective is to make our programs more accessible to those who might find the full cost prohibitive upfront.
  
  Regarding the content and structure of our courses, we strive to offer a comprehensive curriculum that addresses various aspects of financial management and personal development. We purposefully create our content so that it is digestible, and can be consumed in short periods of time rather than needing to spend hours to accomplish any of the coursework. Our course design and content delivery was created to ensure it is both educational and user-friendly, especially for individuals from diverse educational and financial backgrounds.
  
  We are particularly concerned about your perception that our program assumes debt arises from poor spending habits alone - as a team of financial coaches we know this to not be true. Our goal is to support all individuals, irrespective of their financial situation, without judgment.
  
  We would greatly appreciate the opportunity to discuss your feedback in more detail and explore how we can address your concerns. As you haven't provided verified contact information here, I am unable to review your personal file. 
  
  Please contact us at your earliest convenience if you'd like to continue the conversation.

• Initial Complaint

  04/29/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Im writing with multiple concerns about Dow Janes. I attended a Dow Janes Free Class webinar on April 19th, where a discounted Case Study program was being advertised for $1,999. On the checkout page (open for duration of the webinar call), there was no text connected to the terms and conditions link. After my purchase, Dow ***** required a program agreement as part of the account login setup. I did not sign this, as there was no text available to review on the page. I sent an email to Dow Janes on April 19th regarding lack of transparency regarding their terms, but I have not received a response. After purchase, my bank account reflected a charge higher than advertised, and I realized Id been charged a bank currency conversion rate. *** was not clearly and legibly stated on the checkout page. As the webinar hosts advertised to US and Canadian clients, I assumed that I was paying in CAD currency since I was using a Canadian IP address. I was then told I needed to fill out a feedback survey to receive a refund. Ive never in my life seen any business use a feedback survey as a condition for refund. Next, the refund was less than Id paid in CAD. ********************** told me the discrepancy was due to the Canadian/US exchange rate at time of purchase. I responded on April 25th with a detailed feedback, including the following request for attention to Dow Janes business practices, but have not received a response. it is due diligence to notify people very clearly verbally [during webinar] and on the checkout page that the currency is in *** and that the cost of purchase may be higher, and the refund may not be balanced, depending on conversion rates and bank fees. it is also due diligence to ensure that the *** currency or choice for price conversion is also clearly legible upon checkout.I found a number of alarming issues regarding Dow Janes business practices, and I would advise anyone extreme caution before engaging with this company.

  Business response

  05/13/2024

  Hi ****,

  Thank you for reaching out with your concerns. We sincerely apologize for any confusion and inconvenience you experienced during your interaction with Dow Janes. We strive to maintain transparency and clarity in all our communications, and we appreciate the opportunity to address the issues youve raised.

  Regarding the currency in which our prices are presented, please be assured that it is our policy to clearly state that all prices are in USD. This is consistently communicated across our platforms and during our webinars, especially since we cater to an international audience. We regret any oversight that led to your assumption that the prices were in CAD. We are reviewing our webinar presentation and checkout process to ensure that our communication about the currency is unmistakably clear and visible at all points of interaction.

  As for the terms and conditions link on the checkout page - they are clearly hyperlinked and highlighted for the ease of the customer. Our terms are accessible directly from the checkout page and no customer is asked to make a purchase prior to the review of the terms. 

  Our policy of requiring a feedback survey is intended to gather insights that help us improve our services and understand how we can better serve our clients. We have processed your refund based on the exchange rate at the time of the transaction, as is customary with international transactions involving currency conversion. We recognize the importance of providing clearer information regarding potential fluctuations in exchange rates and bank fees, although this is the responsibility of the customer making the purchase.
  

  If you'd like to engage in further feedback, please don't hesitate to reach out to our team directly. 

• Initial Complaint

  04/18/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Purchased Credit Card Cure on 3/27/24. "100% satisfaction guaranteed or money back" stated on website (screen shot of statement from website uploaded in supporting documents) Along with explanation that Dow ****** requires at least 3 weeks of the course to ensure that it does not work before refund is issued. I was not satisfied with product and requested a refund on 4/16/24. I was informed that the refund policy is only good if requested within 10 days of purchase after speaking w 2 representatives via email. I requested a phone number and an address and I have not been given this information. I have been unable to resolve this issue and I have only been given the same "10 days" response each time I attempt to contact the company.

  Business response

  05/13/2024

  Hi *******, 

  Thank you for reaching out to us with your concerns about your recent purchase of the Credit Card Cure program. We appreciate your decision to invest in your financial education with Dow Janes, and we take your satisfaction seriously.
  
  Upon reviewing our policies and your purchase details, we would like to clarify our refund policy regarding lifetime access programs like Credit Card Cure. As stated on our website, all sales for lifetime access programs are final due to the extensive resources and ongoing value these courses provide. This policy is in place to maintain the integrity and sustainability of our comprehensive educational offerings.
  
  However, we understand from your message that there was some confusion regarding the "10 Day Refund" statement. This guarantee applies specifically to our year long flagship courses and has different terms, including the condition that a refund request must be made within 10 days of purchase if the course does not meet your expectations. For our lifetime access programs, they are final sale. 
  
  We apologize for any misunderstanding regarding these policies and for any inconvenience you have experienced in communicating with our team. To ensure that all your concerns are addressed, we invite you to discuss this matter directly with a member of our customer experience team. You can reach us at ********************************* Our team is here to provide you with the support and information you need.
  
  Thank you once again for your feedback.

  Customer response

  05/21/2024

   
  Complaint: 21596366
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************

• Initial Complaint

  04/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Problems: unethical treatment and misinformation leading to requesting thousands of dollars that I never agreed to pay Misinformation on the side of representatives on what is actually offered (covered in the course) which is not true -> hence the service is not what was promised and not providing value but the business disagrees to stop the business relationship even though their representatives confined misinformation The platform is designed in such a way we cannot physically see the content for several weeks at the beginning so cant access the worthiness of the program Details Program offers two options: annual access or monthly subscription. (More expensive but not signing up for the whole year and allowing cancelations) I purchased subscription after exchanging multiple emails a the representatives and conforming specific content. I couldnt access the validity of the content I was interested in and asking for for weeks as I was asked to do other tasks and activities to unlock this content. After I finally did unlock it was obvious that there is no value in that part. I emailed once again and then the representative confirmed this course is not what Im looking for. I asked to stop my subscription and only then I was told that the subscription is not actually a subscription. The company looks at it as a loan and requires me to pay for the whole year. I never signed up or agreed to pay for the whole year of this class but was misinformed. I also followed all steps to ensure the quality is provided and was misinformed on whats covered This course targets women w low financial literacy and savings. Given the misinformation and highly unethical practices theyre praying on the same people they claim to help. This feels illegal, inappropriate, highly disruptive and unethical I cannot pay the charges that I never agreed to $1590 and tbh I should be reimbursed the months I paid for given that the course does not offer what it promised to do - add $796

  Business response

  04/15/2024

  Hi *****, 

  Thank you for your detailed feedback regarding your experience with our program. We are truly sorry to hear of your concerns, and appreciate the opportunity to address them. I have reviewed your account and can see that it was handled by a member of our team on April 3rd 2024. Please contact us directly at ******************************** if you did not receive this communications or feel something was made in error. We are committed to ensuring that all our clients receive value from our programs and feel respected and fairly treated in all dealings with our company.

  Customer response

  04/23/2024

  This dispute is not resolved. I emailed the business and hope it will be solved soon, but will let you know if not. Previously, contacting them directly over email has not solved any problems so I am skeptical until the money is actually reimbursed 

  Thank you 

  **********;

  Customer response

  05/03/2024

  Dear all. 

  The issue has not been resolved. Im still waiting for the refund. I emailed the email provided here by the business and - like in previous cases it was not suggestion - no one has answered to my email. Ill need more of your support and mediation here sadly. 

  Business response

  06/07/2024

  Hi *****,

  I have reviewed your account and can see that it was handled by a member of our team on April 3rd 2024. An exception was made to your account (and to our policy) and there's no further action we can offer. You have completed more than half of our programs course work. We recommend all customers please evaluate our content, courses, and offerings to ensure that its what you want before you purchase. We do offer support and want to ensure we are meeting your expectations, however we stand behind our content, our community, and what we teach. We only want people joining if they are 100% committed to learning about their finances and will trust our process. 

  We wish you all the best on your financial journey. 

• Initial Complaint

  03/18/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I signed up for the Dow Janes Million Dollar Year program sometime in October 2023. I am unable to continue the program due to personal and financial reasons and reached out regarding cancelling the monthly charges and was told of their no cancellation/refund policy, which they point out was in their terms of service and they explain their satisfaction guaranteed feature that says 24 month after the initial purchase date you can submit for a refund after completing the program. I do not remember the no refunds, no cancellations policy being communicated clearly prior to my enrollment and find myself feeling very mislead. After getting into the tracking income-expenses portion of the program, I am findind hard to find time to focus on all of the different spreadsheets and to watch hours or video's. I am a single mother living in ************ and finding that I do not have the bandwidth or the finanical resources to conutnie to use a program that is not working for me. Now, because of their lack of a refund, I will continue to be charged $199 each month that I simply do not have the luxury to afford. I am going through a major life transition right now, I have to support myself. I am seeing where there is a consensus among BBB complaints regarding the same things I am stating here, others have had the same exact or nearly similar experience.

  Business response

  03/20/2024

  Hi ******, 

  In our time in business, we have received less than 20 complaints on BBB, yet we've served over ****** women+. That is 0.06% of the women with whom we have done business since launching the Million Dollar Year. Needless to say, we are extremely proud of the service that we provide to our customers and of our A rating with the Better Business Bureau.

  As our team has shared with you, our product is completely digital, and all our resources are created by us (with a lot of heart!) making them unique to Dow Janes. Upon signup, all members have to check the box to agree to our refund policy and terms of service. In those, we clearly outline the requirements of our money-back guarantee and no cancellation and refund policy. You have now had access to our programming and materials for five months - that's nearly half the lifetime of your membership. 

  Our team would be happy to help you kickstart your participation back into the program so that you can truly experience the value. Don't hesitate to reach out to us if you'd like to take us up on it! 

  Customer response

  03/20/2024

   
  Complaint: 21447233
  
  I am rejecting this response because: I am not pleased with this outcome. I simply would like to cancel future payments. The level of time commitment is overwhelming and I as my life gets more hectic I find hard to really get really take  advantage of the program for how much I am paying each month. No one has reached out on your company to call or email me on their own accord to help " Re-kickstart" this program. I find the customer service lacking in that regard. I can never make it to the OFFICE HOURS I am always at working during those hours or I have to login very late at night when the house is quiet and I just do not have the bandwidth give it the focus the program requires and the fact the I have to plan and ask questions for each subject and submit it way ahead of time just does not work for me.

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

  Business response

  04/15/2024

  Dear ******,

  Thank you for reaching out and sharing your concerns regarding your experience with our Million Dollar Year program. We understand that circumstances can change, and we're sorry to hear that the program is no longer fitting your needs due to personal challenges.

  We strive to be clear and transparent about our policies; however, I hear that you didn't feel fully aware of our cancellation and refund policies at the time of your enrolment. We apologize for any confusion or distress this has caused. Its important to note that, as with many digital services, our programs are accessible immediately upon purchase. For this reason, we do not process refunds outside of our structured refund windows and guarantees, to protect the integrity and value of our content. We announce this within our masterclass and on our checkout pages, also included in Terms of Service on our main website. 

  We always aim for clarity in our communications and will take your feedback seriously to improve how we present these important policies in the future.

  We would like to explore possible solutions that *** alleviate the financial burden. Could we perhaps arrange a personal discussion to explore some flexible options that might be available to you, such as a payment pause or an adjustment to the program structure that would better accommodate your time constraints? We are committed to supporting all our members and would like to find a way to assist you during this challenging time.

  Please contact our Customer Experience team at your earliest convenience so we can work towards a resolution that supports your needs. Your satisfaction and success in the program are important to us, and we are here to help. Thank you again. We look forward to hearing from you soon and hope to find a suitable solution.

• Initial Complaint

  02/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On January 30, 2024, I paid Dow Janes $1999.00 in full for a year-long program to better my understanding of money, investing, and creating wealth. The program consists of going through modules and exercises, attending calls or webinars. Approximately two weeks after I joined the program, I was set up with a phone call with someone from Dow Janes who wanted to offer me a way to reach my financial goals faster by investing $10,000.00! I declined. From that, I realized Dow Janes makes their money by taking money from other women! I've received no support, no guidance, *********** to a bunch of videos.

  Business response

  03/26/2024

  Hi ******,

  Thank you for taking the time to share your feedback regarding your experience with our program. We deeply regret hearing that your expectations have not been met, and we appreciate the opportunity to address your concerns.
  

  First and foremost, at Dow Janes, our primary mission is to empower women through education on money, investing, and wealth creation. Our programs are designed with the goal of providing comprehensive learning experiences through modules, exercises, and live support such as calls and our online community. We are committed to providing our clients with valuable resources to achieve their financial goals.

  Regarding the phone call you received, we offer various opportunities designed to complement our educational content, including personalized options for those who might be looking for more advanced investment strategies. It is never our intention to make anyone feel pressured into making financial decisions that don't align with their personal goals or comfort level. We assure you that participation in these opportunities is completely optional and is not required to benefit from the core educational aspects of our program.

  We understand the importance of support and guidance in the learning process. If you have felt a lack of support or guidance, we sincerely apologize for any oversight, and encourage you to take advantage of all the resources available to you within the program. We don't offer refunds for our program outside of the 10 day risk free refund window. 

  Thank you again for your feedback. We are here to support you on your journey to financial empowerment and look forward to the opportunity to make your experience with Dow Janes a positive and impactful one.

• Initial Complaint

  02/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I signed up for the Dow Janes program and I was enjoying it. However, my schedule didn't allow me the time to keep up with the program and after a year, I wasn't successful. I cancelled my subscription, in February 2023. However, I was still being charged a monthly fee of $39.41 since then. I reached out in August to their customer service department and asked about this and they replied saying that they have no record of an account with my email address so they couldn't help. However, I keep getting email updates from the company. It has continued since then. I am dissapointed that a company that is all about supporting people in their finacial journey, makes it so difficult to cancel the subscription. It feel so deceptive and dishonest.

  Business response

  03/26/2024

  Hi *****, 

  We understand how frustrating this must be for you - as it is for us too! We cannot locate charges on your account further to the completion of your course. We have no product that is $39.41 and we don't charge fees. I absolutely encourage you to contact your bank to dispute this charge as I can assure you it is not being charged from us! Please contact us directly if we can help you further. 

• Initial Complaint

  02/20/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Transaction done on September 23, 2023 Monthly payments of $199. Dow Janes: Invoice ********* I've been trying to cancel the subscription aince last year. But costumer service continued to ignore me and payments continue to be taken. I don't need a refund. I need further monthly payments to be stopped.

  Business response

  04/15/2024

  Hi *****, 

  I've searched our data base and there are no communications from you, coming from the email *********************** which is the email you signed up for the program with. Please reach out to our Customer Experience team directly to review your account and help you with this matter. 

• Initial Complaint

  01/26/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I am writing to request a refund for the Million Dollar Year program from Dow Janes. I am within the ten-day money-back guarantee period, and I have attached the invoice that I received Wednesday, Jan 24 at 1:31PM.I am unhappy with the Dow Janes service provided for several reasons. Firstly, although I attended the Million Dollar Year webinar yesterday, I still do not have the information I need to continue with the Case Study program. Secondly, the program does not meet my expectations in terms of content quality and relevance to my financial situation. The monthly calls are held at inconvenient times, and I'm unable to attend due to my work and travel schedule. Thirdly, I have found the program to be too complicated and difficult to follow. Therefore, I would like to be refunded for these reasons.I'll be using the refund to work one-on-one with a local financial consultant who offers more for what I'm looking for and understands my financial situation.If you could please contact me as soon as possible regarding this refund, I would greatly appreciate it. Please confirm receipt as well as the date for when I should expect my refund to go through on your end.Thank you,****

  Business response

  02/08/2024

  Hi ****, 

  You signed up for the course on January 24th, your refund request was submitted on January 25th, and your cancellation and refund was processed and communicated to you on January 26th. I am unsure why you are filing a complaint with the BBB as this issue was resolved within the 48 - 72 hour window we immediately provide our customers with. If there's another unresolved issue you are looking to solve, you're welcome to reach out to us at ******************************** 

• Initial Complaint

  01/11/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I signed up for ****************** Dollar Year after joining an online webinar. I prepaid the 12 month fee of $1999 under the stated guarantee that there was a 10 day trial to try the program and double your money back guarantee if you completed the program but did not achieve stayed goals. Yesterday, day 8, I emailed the company and messaged through their website chat feature but have gotten no response. Today, day 9, I used messenger on Instagram and still no response. I have requested a refund and program cancellation. It is not stated during the sales pitch any limitations of use of tools. In fact youre encouraged to dive in to materials. I dont know how you could evaluate usefulness of the program without having the opportunity to access materials. I am hoping to resolve this issue and receive a refund.

  Customer response

  01/12/2024

  I have heard back from Dow Janes today (day 10), and they have stated they have canceled my transaction and refunded my card in the full amount charged. I anticipate the refund to be completed next week and am satisfied they have honored my request. 

*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. ↩