Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:04/01/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  the service i paid for provided 30 days of service, in which the company locked my account prior to expiration without notice, and advised that while i did pay for service till 4/1/25, the account expired back on 3/27/25, and i cannot do anything to recover those services paid for, despite them openly stating that i should have them.

  Business Response

  Date: 04/03/2025

  ExamFX Terms and Conditions explain:

  ExamFX products have different course access periods, but some allow for the purchase of extension periods. Your access to a product will terminate when the course period expires or, if you purchase an extension, when the extension expires. Under no circumstance will your access period, even with the purchase of extensions, exceed one year. 

  The Terms and Conditions are presented and agreed to as part of the purchase. ****** ***** purchased his course on 3/28/24 and hit the 1 year mark. This is the reason he no longer has access to the course.  Our support team explained this to Robert.  The course is auto archived at 1 year and there is physically no override or reset within our systems.

  In Review of ******** course he earned and was issued a Certificate of completion on 3/22/25.  ExamFX has emailed that to ****** as of 4/3/25. He can use that Certificate to continue his licensing process. 

  ExamFX communicates the 1 year limit on Insurance courses during registration and requires users to agree that they have read and agree to the Terms and Conditions. ****** completed his registration by agreeing and agreed to those terms. ExamFX has fulfilled our commitment to ****** inline with the product he purchased and posted Terms and Conditions.

• Initial Complaint

  Date:02/06/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased the P&C insurance course from this business on January 18th 2024. I was unaware that they if you didn’t use the material within a year from the purchase date you no longer had access to your material. I reached out to have my account opened back up January 24th 2025. I am just realizing that I was only a week out from the year mark. They basically shut the account down and no longer allow access to anything. The course is 219.00 all together and I was told that they couldn’t do anything that I would have to purchase the entire course again. I also informed them they couldn’t clearly see that I didn’t utilize the material. If I logged into the account for 3 hours that would be a lot I had circumstances in my life that were unavoidable. I had a very close family member pass and I also went in and out to the hospital myself a few times. Needless to say my focus was not ExamFX. Now that I am healthy and in a healthy state of mind I wanted to focus on this course and obtaining my P&C license to my surprise I no longer had access. I basically could have just taken 219.00 and threw it in the trash at this point.

  Business Response

  Date: 02/07/2025

  ExamFX courses come with 60 days of access initially and customers have the option to extend courses for 30 or 60 additional days for a fee. ExamFX Terms and Conditions are presented and must be agreed to as part of the course purchases.  The agreement acknowledgement button states I have read and agree to the ExamFX Terms and Conditions.  Our T&C explain the following:

  ExamFX products have different course access periods, but some allow for the purchase of extension periods. Your access to a product will terminate when the course period expires or, if you purchase an extension, when the extension expires. Under no circumstance will your access period, even with the purchase of extensions, exceed one year. 

  When ****** emailed on 1/25/25 and then called on 1/27/25 to extend the course she was past the 1 year mark as the course was purchased on 1/18/24. Our team explained the information above.

  ExamFX is willing to work with ******.  The course purchased on 1/18/24 is auto archived and is not accessible. We physically have no way to turn that course back on.  We are willing to allow ****** to pay for an extension via phone and we will then register her in a new course with the quantity of days that match the extension she selects to purchase.  She can purchase a 30 day for $39.95 or a 60 day for $69.95. If ****** wants to take advantage of this offer, she will need to call our Customer Support line.

   

• Initial Complaint

  Date:12/29/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I ordered the life insurance course from them purchased a add-on. Due to unforseen circumstances I was not able to complete the course I never opened th add -on but I did start the course I returned the add-on since it had not been opened with the intention of getting refunded. After I returned on 12/4/2024 didnt hear back right away called spoke to a woman she said "They dont check the mail often so when someone goes check mail they would be in touch. EXAM FX sent email that they DENIED my refund and the last gentleman I spoke to informed they will be DESTROYING the book because it would cost them to return to me. SO I ask for my refund thats not possible he said. **** told me that It was not a authorized return and past return date so it goes in TRASH. Here's their reply to me Comment Hello *********, I reviewed your account and communication with our Support team. Our refund policy is presented at time of purchase and included in receipt emailed post purchase via link in body of email. In order to obtain a refund customers must contact our support team within 48 hours of registration and obtain refund approval. In review of your account there is not refund approval within the eligibility window. It seems you shipped the book back without the refund being approved. In this situation since the item was returned without authorization it will be destroyed by our warehouse. The cost to print and ship a new book would not be covered by ExamFX as we did not authorize the return. If you want a book it would require new purchase plus shipping and applicable taxes. I want to help with what we can. I can provide some free time in your course of 30 days additional free. a 30 day extension is 39.95 and the book and shipping you paid was roughly $40. Let me know if you would like me to add the addl free time or call to place new book order. Manager Customer Support **** ***** 12/27/2024 1:14 PM

  Business Response

  Date: 12/30/2024

  We are here to help!  The customer ********* placed an order for self paced online course and Printed Add-on.  ExamFX refund policy is presented at time of purchase and included in receipt emailed post purchase.  ********* did not call and request a refund within the eligibility window. She then shipped the item back without return authorization. All of this was done well outside the refund eligibility window.  The return was not authorized and ExamFX will not incur additional expense to return the book to her. We offered to provide 30 days of additional access for free in the course.

  Bottomline is customer returned book without authorization in an attempt to force us to issued a refund. ExamFX is not liable for extra expenses if customers willingly choose not to follow the refund policy and procedure.  We are willing to work with her. We are happy to amend the offer to the following:

  Since return was not authorized, we will ship her a new book if she pays for the shipping. If ********* wants to take advantage of this offer she can call our Support team to make payment for the shipping.

   

  Customer Answer

  Date: 01/03/2025

  
  Better Business Bureau:

  How much is shipping?
  
  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

  Date:07/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  DO NOT USE EXAMFX. I have found so many errors in their program. I also signed up for their live online courses. The two instructors were about 80 years old and could barley work a computer. 1 guy stuttered so bad i couldn't make out what he was saying. the 2nd guy just talked about nothing the whole time. I couldn't even finish the 2 days of classes. IT WAS TERRIBLE. I contact management for a refund, after explaining to them all the issues i had with their service they threatened to call the cops on me!!! They told me my complaints were "harassment" So I guess now i've wasted about 20 hours of my time plus I'm out $160. What a worthless company. STAY FAR AWAY!!!

  Business Response

  Date: 07/26/2024

  Mr ***** purchased an online Self paced course on 7/17/24. ExamFX refund policy is presented at time of purchase, included in receipt emailed post purchase, and is agreed to as part of the making the purchase. User has accessed the course over 19+ hours.  
  
  ExamFX stands behind our course with a Pass Guarantee. We are so confident in our material we Guarantee users whop pass the Readiness Exam in our Course will pass the Licensing Exam or we will refund the Original Purchase Price of the course. None of our competition offer such a policy. ExamFX is a premier vendor and well known for successful outcomes for firms and users.

  Mr ***** requested a refund on 7/25 . Our Support Team informed him the account was not eligible for a refund based on the date of purchase and amount of usage. He was unhappy, used profanity and did in fact harass our support team because we would not bend to his demand for a refund. He used profanity with our Support Team and spammed chat after chat and empty messages to our Support Team. We informed him his behavior was harassment and asked him to stop. He continued and was informed if he did not stop we would call the Police. At this  point he did stop.
  
  We are sorry to hear he does not like our course program, but the account is not eligible for a refund based on usage and date of purchase. We are happy to work with Mr ***** to complete his course should he choose to do so.

  Customer Answer

  Date: 07/26/2024

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

• Initial Complaint

  Date:02/12/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a course to get my license in insurance from Exam FX for $160. They are telling me today that I am not eligible for a refund despite me still being within the time frame to receive a refund. I purchased it February 9th and today is the 12th. Their refund policy is I have to return it within 48 hours or by the close of the next business day which would be today. And I messaged them at 2:35 this morning about a refund but they are telling me I never sent in anything. I have the proof attached below.

  Business Response

  Date: 02/12/2024

  ******* purchased an online self paced course on 12/9/24. ExamFX refund policy is presented at time of purchase and included in receipt emailed to customer. ********* course is not eligible for a refund based on 4.5 hrs of course usage.  
  
  ExamFX refund policy is:

  In order to be eligible for a refund the following conditions apply:
  Customer has spent less than 1 hour within the course - ******* has 4.5 hrs of usage.
  Customer has not accessed any exams
  Customer has not earned a certificate of completion (if applicable to product purchased)
  All physical materials must be returned to ExamFX in original, unused condition
  Returns must be postmarked within 10 calendar days of the refund request date
  Refunds will not be granted for failure to complete study materials or failure to attend lecture(s) when purchased. Access to online study materials will be terminated upon refund approval.
  Course extensions, digital add-on products and in-course purchases are non-refundable.
  
  Our Support Team has been in communication with ******* and explained the reason why a refund is not eligible.  ******* agreed to the refund policy as part of making the purchase. 

  Business Response

  Date: 02/13/2024

  We understand the perspective of *******. In review of her progress report she did user the course for over 4.5 hours. ******* also ordered printed study tools which were delivered Monday 2/12/24 at 2;38 pm.  Tacking information may be found here - *************************************************************************************

  ExamFX sells digital online self paced courses. Our Refund policy is inline with online providers both in and out of our industry.  ExamFX has reviewed and the account did not meet eligibility requirements so is not eligible for a refund.

  Customer Answer

  Date: 02/13/2024

  
  Complaint: ********
  
  I am rejecting this response because: I have the notecards in the original condition I have not opened them they are still sealed regardless.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:12/11/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Website did not come with instructions and my course is about to expire and today I discovered the other half. How am I supposed to know that the title was a drop down menu? Both classes talk about health and life insurance, so I thought they were combined not separate!! I paid you too much as is, you should have told me!!!!

  Business Response

  Date: 12/12/2023

  Kaydee Purchases an online Self  paced course on 10/13/23.  She did purchase a Life and Health course. Once inside the course it is divided into a Life Section and Health Section. This is evident in the image provided.  The course is designed this way because this is how the state exam is administered. The Life and Health exams are done separately. The course shows Arkansas Life, and once toggled to Health will show Arkansas Health.

  See Images provided.   Customer has also completed the course and all certificates have been issued in the course. 

   

  ExamFX Courses come with 60 days of access. Should a user require or want additional time, they have the choice to purchase an extension.  

• Initial Complaint

  Date:09/21/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of transaction; within 24hours of registration I moved forward opting for a refund the next day. The decision based on sleeping on it overnight and choosing an alternative route for my focus is a natural occurance many customers encounter and logical grounds for requesting a refund. Except ExamFx is unreasonably restrictive to refund exercising a policy that states if having spent more than an hour in the course a refund is rejected. How else can I determine it is not a good fit after all, had I some time (~4 hours) slept on it then deciding upon a new day within 24 hours that it is not what I want to pursue. I strongly suggest that ExamFx reconsider this policy as it is unfairly cornering customers. I understand that the insurance industry is experiencing an official crisis with binding restrictions but ought not be at the expense of customers and/or students.

  Business Response

  Date: 10/03/2023

  ExamFX Refund Policy is presented at time of purchase and included in receipt emailed post purchase. ExamFX products are digital in nature and immediately available to the customer.

  ExamFX Refund policy is presented below

  Customers may request a refund (less shipping) within 48 hours or the close of the next business day*, whichever is longer. Customers may request a refund by contacting ExamFX at 800-586-2253 or by completing this form.
  In order to be eligible for a refund the all following conditions apply:
  Customer has spent less than 1 hour within the course
  Customer has not accessed any exams
  Customer has not earned a certificate of completion (if applicable to product purchased)
  

  All physical materials must be returned to ExamFX in original, unused condition
  Returns must be postmarked within 10 calendar days of the refund request date
  

  Refunds will not be granted for failure to complete study materials or failure to attend lecture(s) when purchased. Access to online study materials will be terminated upon refund approval.
  

  Course extensions, digital add-on products and in-course purchases are non-refundable.
  
  User purchased course and did not meet refund eligibility. We are happy to review if the user will provide specific user information to search our customer transactions.

• Initial Complaint

  Date:07/21/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My company contracted with ExamFx to provide a preparatory program for one of our employees seeking to pass the Series 65 Securities Exam. As the program grows towards its end, its important to schedule the exam and for the employee to have the best chances of passing this exam, which means they will have access to the materials right up to the time of the test. We have scheduled the exam based on information provided us stating that the employee's access to the materials will expire on July 30, 2023. Today the employee was told that her access would end on the July 27. I contacted the company and despite seeking resolution with a supervisor, the company insists that they are unable to fulfill the written statement. This represents a material breech of goodwill minimally, and perhaps represents a civil legal matter. When a company will not satisfy their own printed words, they are a company that should not be relied on and certainly not patronized.

  Business Response

  Date: 07/24/2023

  ***** ******** purchased an online self paced course from ExamFX on 7/28/22.  ExamFX Terms and Conditions must be agreed to by user in order to complete the purchase.  ExamFX courses are only valid for 1 year from date of purchase. This is included in our Terms and Conditions. Please see excerpt and link to ExamFX terms and conditions below.
  
  *******************************************

  ExamFX products have different course access periods, but some allow for the purchase of extension periods. Your access to a product will terminate when the course period expires or, if you purchase an extension, when the extension expires. Under no circumstance will your access period, even with the purchase of extensions, exceed one year. Notwithstanding the foregoing, ExamFX reserves the right to terminate access to a course or product early if such course/product is being discontinued (removed from ExamFX’s course/product offerings list). Unless the discontinuance of the course is required to address legal or regulatory mandates, ExamFX shall provide 30 day advance notice by email or posting within the course/product, or, if less than 30 days, as soon as known. You are solely responsible for completing such course/product before the notice period expires.

  ExamFX is operating with in the posted terms and conditions. user will need to purchase a new course after 2/27/23. The average customer completes the course in 3-6 months and  ExamFX provides up to a year for our customers to use with paid extensions beyond the original access period of 90 days.

   

   

   

  Customer Answer

  Date: 07/24/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** ** ******* ********** ********** ********
  
  I am rejecting this response because:

  Information listed in the "fine print" you provided a year ago is inconsistent with information you provide every time Diana or I log into your system. If you tell someone every day that they have access until a certain date, it is not reasonable for them to believe that they actually have access only until an earlier date because of something you told them a year ago. You are responsible for the things you put in print and it is not our fault that your organization was negligent with regard to publishing information regularly to a paying customer that is inconsistent with your policy. 
  
  Regards,
  
  **** ********

  Business Response

  Date: 07/24/2023

  Hello

   

  We apologize for nay confusion. The Terms and Conditions apply in this scenario. We physically can not adjust the date as the course will automatically be archived on the 1 year date. I have refunded the last extension paid on 6/28/23.  Depending on your bank, funds will be available within 1-3 business days.

  Customer Answer

  Date: 07/24/2023

  ** ******* ****** ** ******** **** ***** ********* **** ********** ** *** ********** *********  ** *** ***** *** *** ****** ** ****** ******* **** ****** ******** ******* * **** ******** *** ******** **** ** *** ******** ** ********* ** ********* ** ********* *** find that this resolution is satisfactory to me.
  
  Regards,
  
  **** ********

• Initial Complaint

  Date:06/08/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 12/01/19 ****** ******* product ******* **** ***** ******* ******** * ********  $149.95. I never used the program. On 1/22/20, I got a reminder email that I had purchased the program and it was about to expire. On 1/23/20, I required an extension and I received a renewal extension email for 30 days $34.95 or 60 days $59.95. O. 1/27/20, 8/29/22, the email my extension was expiring soon. I have been homeless for over 2 years. I reset my password on 8/30/22 and 6/8/23, and chatted with a staffer, who implied that she couldn't reset my account.

  Business Response

  Date: 06/09/2023

  ExamFX courses are valid for 1 year from date of purchase. This is included in our Terms and Conditions. Please see excerpt and link to ExamFX terms and conditions below:
  
  *******************************************
  
  ExamFX products have different course access periods, but some allow for the purchase of extension periods. Your access to a product will terminate when the course period expires or, if you purchase an extension, when the extension expires. Under no circumstance will your access period, even with the purchase of extensions, exceed one year. Notwithstanding the foregoing, ExamFX reserves the right to terminate access to a course or product early if such course/product is being discontinued (removed from ExamFX’s course/product offerings list). Unless the discontinuance of the course is required to address legal or regulatory mandates, ExamFX shall provide 30 day advance notice by email or posting within the course/product, or, if less than 30 days, as soon as known. You are solely responsible for completing such course/product before the notice period expires.
  
  At this time user will need to purchase a new course. This was communicated to the user when she contacts ExamFX. 

• Initial Complaint

  Date:01/05/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I began to take the exmafx course I noticed that some of their information was incorrect. I figured this out because I wanted to make sure that I understood the information being taught so after a few hours of studying i went to a different company’s website to take a practice test, when I had completed the test, I had noticed that there were a few questions that I had gotten wrong that I had seen on examfx course that would state otherwise. So, I went back to examfx and saw that what I had put was indeed correct but that meant that one of the sights was wrong, so I began to do more research and found that there were other sources that were saying that examfx was incorrect, so I had stopped using the course and decided I wanted to cancel the course. So I looked up how to cancel the course and get a refund where I had then found the terms for a refund I had met all the terms except they said that if the sight is used for over an hour the refund will not be issued however I decided to call because I figured since the website was delivering incorrect information on the course, that would be reason enough to give a refund for someone who had purchased the course for less than a day. However, I was told to take my issue to the escalation team. But the escalation team had responded that even if their information was incorrect, they believed that they had enough correct information on the course to allow me to pass my test and would not issue me a refund or even a partial refund.

  Business Response

  Date: 01/06/2023

  ***** purchased a Series 65 course on 7/30/22.  A refund was requested on 8/3/22. The course had 20+ hours at the time and refund was requested outside the refund eligibility window. Our Refund policy is presented at the time of purchase and included in receipt emailed to customers.  ***** was informed the course was not eligible for a refund due to the amount of usage.  Our refund policy can be found at this link ExamFX- ************************************

  In response to comments on different information in our course vs our competitors. ExamFX cannot comment on the accuracy of our competitors’ information but are confident in our course material. ExamFX is a publisher of Online Self-Paced Courses for individuals pursuing insurance and security licenses.  We are so confident in our material we offer a Pass Guarantee.  If users complete our course successfully, we Guarantee they will pass their licensing exam or we will refund the course fee. See the Pass Guarantee at this link. ***********************************************
  
  ***** is not eligible for a refund, but we are happy to work with ***** to pursue the Series 65 license. Please have ***** reach out to our Customer Support Manager for options to continue using the course.

  Customer Answer

  Date: 01/16/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered] 
  Complaint: ********
  I am rejecting this response because:
  Of the companies dishonorable business practice and want only a refund to settle the issue. I have no desire to pursue using the companies courses now or in the future.
  Regards,
  ***** ****

  Business Response

  Date: 01/18/2023

  We are sorry to hear ***** is not happy with our decision, but we stand behind our prior response.  We have executed our refund policy as posted and agreed to by ***** by making the purchase. There is no further escalation path.