Thrive Learning Ins. Ripoff
I was contacted by phone, 11/27/2008. Was lead to believe they were part of Google.com and that Google wanted to use me to make a success story to be published on the internet. Had a 3 way call with his "boss", 11/28/2008, to see if we qualified to be accepted in this program. They said they wanted to make sure we would be a success story for Google. We were asked questions about our credit rating; I told him it was good. We were asked if we had a credit card that we would be able to charge this on, told them yes. They put us on hold to have a little conference and when they came back we were told "congratulations" we were accepted. Was told we would be making money back within 60 days and will have made our initial cost of the program back within 45 to 90 days. To this day I have not made one penny back. I had spent hours each day and night working on all this to get my site up and running. I was never sent a copy of a contract, agreement or written guarantee. I was never informed at anytime during our conversations that I had the 3 days to cancel option. Was told I had a personal mentor I could contact when I need help and would have personal coaching calls with assignments, once a week. I only received one coaching call. After I completed the first assignment, I called them. Asked for my next assignment and was told I won't be getting any more coach calls. I was given a list of videos to start watching. When I would call to try to get help or to find out what to do I would have to leave a message and they would return my call in 2 or 3 days. I had to just wait, if I couldn't figure it out on my own. When I would finally get to talk to someone they never knew what was going on with my training. I would have to try explaining what I was trying to do. One person would tell me to do one thing; another person would tell me to do something completely opposite. Each time I would have to try explaining what I was doing and where I was in the training, all the while not understanding or not knowing where I was at. I kept being told to watch this or that video. Tried to explain I had watched those videos more than once and did not understand. Then I would be given a link back to the same video again. Then I was told I would have to use the "live chat" only. The "coaches" were very arrogant and unprofessional. Time and time again I was left sitting on the live chat waiting for an answer. After sitting for over an hour on a few occasions I would just give up and forget it. One time while on chat I got a response like "yo mama" ( don't remember the exact wording) to my question! He apologized, but this shows how much attention he was paying to me. I was not given the instruction and support I paid for and told I would receive. When it was time to submit my site to the search engines I had to argue with the "coaches" on more than 2 occasions that I had paid the extra money for the "SEO package" that they were to take care of. Finally after I got through to them they were to do it, I was told to get ready for a flood of conformations from the various sites. I received about 8 or 10 conformations. If they had done what I had paid them to do I should have received hundreds of conformations from submissions. I ended up doing my own submissions and received more conformations from what I did then from what they submitted. The low amount of responses I received and knowing there are hundreds of search engine sites, I feel they did not do as they claimed they would. I also had major problems with the merchant Account, IMAX that is a part of Thrive and they recommended I use. I did what I was told and filled out the agreement with IMAX. The next month IMAX started charging me, $45 even though I didn't have my website up and going. I contacted IMAX and asked why I was already being charged. I was told that when I filled out the form I had signed up. I told them I was not ready on my site, I was told that didn't matter, I signed up and that was that. She said that they have a lot of people who are paying the monthly fee that don't have their sites up yet. I told her I didn't think that was right and was told that I signed the contract and that's the way it is. I left it go at that point. I had asked about this when I was on chat with Thrive and no one would even answer me. I wrote an email about it to thrive and no one would answer me. Thrive never gave me any help with this matter. When I was ready to open my site and activate my merchant account I went through the steps and could not get my merchant account to open up. Everything was suppose to be there and ready to go. I had to contact them and then they started the setting up. At this point I was really upset. I asked if things were not ready to go and set up why I was paying $45 a month for nothing. The girl on the phone recognized me from calling before and said "Oh it's you again" Then she said that's just the way it is. I contacted the BBB and filed a report and asked for the money back for all the time I had no service. Because of the BBB report they gave me all my money back. I thought that was fair. Now that I would be using the service I was happy to pay the $45 per month but I noticed that they were not charging me so I thought maybe now they would start charging after I made my first sale. When I contacted Imax on 9/9/2009, to stop my merchant account, I was told that I did not have a merchant account. I was told that the account had been already closed at the owner's request 5 months ago. I had never requested it be shut down at anytime but on 9/9/2009. Never received any help from Thrive on this. Last date of service- I called Allen on 9/9/2009 and told him to cancel my participation in Thrive Learning. Asked for my money back as they did not deliver to me all they said they would. Again I asked for a full refund of $9500 that I paid to them. Also told him to cancel my Lightwave Builder and to take my website off the internet. Told him I wanted everything shut down. As of 10/5/2009 I checked online and my website is still live and running. Sent him an email through the BBB in Utah and told him again I want everything stopped. Still charging me for the Lightwave Builder $39.99. I was contacted again by Zack on 11/1/2009. He asked me about all the problems I had and talked to me about continuing with the program. He said they had changed a lot of things for the better. He told me they would wave the Lightwave builder fee for 3 months. I told him all the problems and aggravation I went through, I worked very hard to do all this and haven't gotten anything back, didn't know if I could go through all this again, I needed to think about it for a few days. He said he would call me back on Friday evening Nov. 6, 2009. I had made up my mind to keep working with this. I had decided that I would also ask for them to make a payment on my credit card- like they said they would if I had not made the money back by the time the payment came due. Come Friday evening and no phone call. If he did call it was while I had my dog outside and he never left a message. If he had left a message I would have called him back at that point. I was lied to again. Now I am done with all this. I am tired of being strung along and lied to. They have put me in a bad financial situation. I want my money back plus all the finance charges as well. Received my credit card bill and AGAIN BEING CHARGED ANOTHER $39.99!! I had to call the credit card company and put in another dispute because I had canceled the web builder. Finally they quit charging and had to refund from the time I had canceled. I want my initial charge of $9500 plus all the interest I paid on this amount credited back to my charge card. I want All the monthly fees of $39.99 credited back to my charge card. I recommend you do not deal with these people. Don't let them take your money.
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