Albany Distributing

My bank informed me that they have no prove on paper after the system cancelled the transaction automaticallyHowever, I have attached a recording voice conversation between me and my bank about this transaction as a prove of charges as I have explain to this complainI have also attached on my previous reply my bank charges for the amount of $59, which is my current request from Albany, as they did not provide service related to those chargesWhen I did spoke with someone from Albany term, I was told that my payment was accepted and he was going to call me back and provide me with ta tracking number for this productHowever, I didn't heard from him, that was why I have to look further to see deeply into this and all I can see is dishonesty manipulationsI am a person who will never manipulate anyone, either would I accept the same from someone elsePlease Albany distributing, I need my sign up charges back to close this caseThank you

Complaint: [redacted] I am rejecting this response because: A quick update: I never signed anything with the company in question I sent them a letter telling them that they are not authorized to withdraw any funds from my account or use my information in any way, and I also warned USAA not to allow them to withdraw any funds from our account (who said they would never allow a withdrawal without a written content anyway) I never heard back, and so far, I have not seen any activity on my account We are in the middle of an international move, I just want this thing to go away This company should be put out of business or at least asked to properly and clearly identify themselves and what they at the top of their letter, not mention it as an after-thought, in a location that is buried in the fine print, as a consumer, that is my input Thanks [redacted]

***PLEASE SEE ATTACHED DOCUMENTATION***

The consumer is 100% correct - he was denied an account with Albany DistributingWhat did he do? He continued to call and pester hours a day about reversing the decision so that he could do business with Albany DistributingIt was already made clear to him that no business dealings will occur with himHe would not give up, despite being told multiple times that the company is not interested in doing business with him, he continued to call and pester even moreFinally he was told that if he wanted to create a webstore through Albany Distributing consideration will be made for an accountHe agreed to the webstore setup for $(the most basic package for an entree level ecommerce store)He began placing orders for [redacted] Roughly orders in the first hoursHe did NOT follow any instructions that were given to him for placing orders, and rather than placing orders online he was emailing them in an incompatible format, which made it difficult to processConsumer would call every minutes, leave hang up voicemail messages multiple times a day within short time intervals as well as send emails and just tying up phone lines and the helpdesk emailsThe consumer was literally abusing the customer service resources, which is why the decision was made NOT to do business with this person so early on , but because of all the pestering special consideration was made but did not work out as initially expectedAs per Albany Distributing policies accepted and agreed upon by the consumer, the account was terminatedIt's explained very clearly in the terms and conditions that the company reserves the right to cancel or terminate an account for any kind of abuse of company policies, account was closedStore mockup design and logo was provided to consumer as agreed upon, consumer liked the design and there are emails proving he was happy with the designThe service has been delivered as agreed uponConsumer needs to understand that when he was advised that no business will be done with him, he should have accepted that decision and moved on without all the pestering

Thank you for the opportunity to respond to Alier [redacted] ’s complaint regarding the Equity Plus Program The complaint was placed prior to Mr [redacted] talking to one of our Customer Service Supervisors This complaint was resolved with Mr [redacted] later on November 13th prior to receiving the complaint Mr [redacted] ’s complaint was that as of the 11th of November, his mortgage payment has not been posted to his account When Mr [redacted] set up the Equity Plus Program, he selected dates that would utilize his grace period Information has been provided to Mr [redacted] from Equity Plus that his payment was received by Guild Mortgage within his grace period However after reviewing the enrollment phone call, additional items that we require we not disclosed to Mr [redacted] in its entirety as we expect of our Sales Reps Therefore we committed to Mr [redacted] to cancel his enrollment in the Equity Plus Program and did extend a full refund of the StaFee that Mr [redacted] paid On November 13th, a check was sent via two-day delivery to Mr [redacted] to reimburse him for the $Stafee he was charged Thank you, Equity Plus Operations / [redacted] Style Definitions */

Albany Distributing has been a wholesaler for 10+ yearsProviding drop shipping services is our business modelWhere our website is hosted is irrelevantWe buy our products directly from the factory, and sell to resellers, therefore that makes us a valid wholesalerThere was no scam, the customer agreed to a non-refundable $deposit which is stated on the agreement that she accepted during sign upHere is a copy of the terms and conditions accepted by the customer: "When you click the sign up button below your credit or debit card will immediately be charged a one-time, non-cancelable and non-refundable deposit in the amount of $After you place at least $in combined purchases within days of account registration, we will place a $bonus on your Albany Distributing account, which may be applied to future purchases." As you do not qualify for a refund, one will not be issuedHowever, as a courtesy we will make these terms more favorable by reducing the $threshold to $The time limit will remain the sameIf you have any further questions or concerns, please do not hesitate to contact us furtherWe can be reached at ###-###-####, or via email at [redacted] @ [redacted] .com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Although the customer has rejected our offer, a check in the amount of $was sent to Mrs [redacted] on October 20, We stand behind our previous response and review of the matterEquity Plus Operations

Thank you for the opportunity to respond to Ms [redacted] ’s complaint regarding the Equity Plus Program I have reviewed the allegations made by Ms [redacted] and conducted a review of the matter The items reviewed included the notes on the account and review of the phone calls held between Ms [redacted] and representatives with our company including the minute initial enrollment callMs [redacted] s states that her biggest complaint is that our company, “leads you to believe they are part of your mortgage company.” We strongly disagree with her statement Ms [redacted] initially enrolled in the Equity Plus Program on December 10, Ms [redacted] contacted our company based on a marketing letter that she received in the mail The envelope clearly identifies Equity Plus as the sender of the letter The name and address of our company appears in the upper right-hand corner of the envelope where one looks to identify the sender There are no other names or markings in this section of the envelope In addition on the marketing letter, it states: “Information provided by Equity Plus (Licensed and Bonded TX#***), [redacted] *** Equity Plus is a registered service mark of [redacted] [redacted] is not affiliated, connected, associated with, or sponsored by the lender Loan information obtained through public record.” Equity Plus does not conduct cold calling sales campaigns So when individuals receive our letter, they are able to review the letter in the comfort of their home and are able to conduct their own research with no pressure If they wish they contact us if they choose to proceedWhen Ms [redacted] contacted our company on December 10, 2015, our representative spent minutes on the phone explaining the program to Ms [redacted] We highly encourage our representatives to spend as much time needed with potential clients to ensure they have an understanding of our program Our representative did so In addition our representative had Ms [redacted] visit our company’s web-site, [redacted] to access our drafting calendar so she could have a visual tool to assist her in understanding how the draft dates work In review of the phone call, Ms [redacted] specifically asked our representative if we were [redacted] in which our representative informed her that we were not Our representative went on to explain to her that it allows our program to be transferable without any additional cost should her loan be sold or transferred to another servicer The enrollment process is completed entirely over the phone At the end of the call several disclaimers were read to Ms [redacted] that covers all of the key terms and conditions of the program The individual must respond “Yes” or “No” to complete the enrollment process At any point if the customer does not agree with any item then they have the option to state “No” and the enrollment is not completed Ms [redacted] consented with a “Yes” to all of the terms and were recorded in the call These terms include the stafee $being charged for the program which was discussed earlier in the call in addition to her authorizing Equity Plus to collect the remaining balance should the program be cancelled prior to the fee being collected in fullUpon completion of the enrollment, the customer is provided with a copy of the ACH Debit Agreement which includes the information collected during the enrollment and includes the terms and conditions of the program The debit agreement clear states that the customer is eligible to cancel the program without cost if canceled within three business days This agreement was emailed to Ms [redacted] the day after the enrollment was completed Since the initial enrollment, Ms [redacted] has called in time to push her draft dates back due to financial hardships And finally on October 6, she called into cancel Her call to cancel the program came nearly months after the date of her original enrollment in which she did authorize us to collect the $in full as captured in the recording Her reason for cancelling the program given is that she discovered her lender offered the program and she was going to participate in their program The supervisor that Ms [redacted] talked with on October 6th offered to reduce the fee from $to $that would be collectedMs [redacted] stated she was having financial issues and the supervisor stated that we could just send her an invoice and she could just pay the amount as she was able Ms [redacted] stated that she would just add it to her bankruptcyUpon review of the information available, all attempts were made by our company to work with Ms [redacted] and her situation And based on the facts, we are unable to find any validation to Ms [redacted] s claims However since it appears that Ms [redacted] is consistently having financial struggles based on her comments, then we will agree to waive the remaining $due Sincerely Equity Plus Operations

Thank you for the opportunity to respond to Mr [redacted] complaint On January 9, we did have issues with our phones for about hours Our phone company found the issue and got it resolved as quickly as possible As far as we know there was only an issue on January 9th with our phone lines That evening when our phone lines started working Mr [redacted] called our sales department He spoke with one of our Sales Department supervisors who assured him she would have Customer Service call him as soon as we opened at 8:am Central Time the next morning At 8:am Central Time on January 10, one of our Customer Service representatives called him and processed his request to suspend his account and we issued a credit to his bank account on 1/12/for the funds we were holding If Mr [redacted] has any other issues or complaints he can call our Customer Service department at 1-800-361-Monday - Friday 8:am to 5:pm Central Time Sincerely, [redacted] Customer Service Manager

I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I got a phone call last Monday, the 20th of July from GregHe was very rude and arrogant, told me if I wanted proof that Albany is a real company I could fly to New York and tour the warehouse, but he can not give me the address of the warehouseI asked him several times to prove to me that he was a legit companyI asked to speak to several other people and his response was I am trained to handle your account and any questions you haveHe then told me that he could prove to me that he was a company because he could put me on hold and there would be music like a real call center We were on the phone for a while and he continued to be rude and arrogant, did not answer any of my questions and I continued to ask to speak to another person at the company and he told me sure, of course, but never would get anyoneThen at the end of the call said someone would call me backThis is completely a red flag and I want my money backI did not authorize him to charge my accountHe scammed me, he was supposed to be a whole sale distributor and he is notHe can not keep taking advantage of people like this it is wrong Regards, [redacted]

Thank you for the opportunity to respond to [redacted] ’s complaint and allegations against the Equity Plus Program Ms [redacted] enrolled in the Equity Plus Program on March 21, The Equity Plus Program is marketed to individuals that have recently purchased a home or refinanced a loan or some type of activity in the filing of a new deed Selection criteria is based on deed information and not age as it is alleged in the grievance [redacted] contacted Equity Plus based on the marketing letter that she received The marketing letter serves as an introduction to our company and provides an explanation of the program When a consumer contacts our company, they are provided an explanation of the program of their choosing and if they elect to enroll they provide the information regarding the loan that is being enrolled in the program In addition, the person enrolling is advised of the fees associated with the program If the client selects to defer to stafee, it is explained to them that any additional funds above the regular monthly payment is applied to the startup fee until that balance is collected in full Furthermore, they are read multiple disclaimers stating with one covering that point and also to verify that they understand what is being explained to her The read a disclaimer that in the event they cancel prior to the fee being collected in full, they authorize our company to collect the remaining balance If the client disagrees with any of the disclaimers the enrollment is not completed[redacted] was emailed a copy of the Automatic Debit Agreement that includes the information provided by the client and a copy of the terms and conditions This is provided to the client so they can review the accuracy of the information provided and have a written copy of the terms and conditions agreed upon This allows the client a period to review the program in their own time to ensure an understanding of the program The terms and conditions outlines a time period for cancellation in the event the client decides the program is not for them [redacted] did receive via email the Automatic Debit Agreement and Terms of the program In fact we received a copy of the Third Party Authorization document signed by Mrs [redacted] and dated April 2, [redacted] provided the monthly mortgage payment Our records indicate that our processing department did verify the loan with the lender and the payment was correct However there were issues with the grace period provided so Mrs [redacted] was contacted and adjustments were made to ensure the payments were received by the lender on time On the semi-monthly program, additional funds are collected with each draft that is equivalent to 1/of the total monthly payment Those funds are applied to the loan’s principle balance to reduce the principle balance However if the client elects to defer the startup fee, they authorize Equity Plus to apply that additional amount to the balance of the stafee until the balance has been paid in full In September 2016, the stafee balance was satisfied and the additional amount was being sent to the lender In the event that there is a change in the amount of the monthly mortgage payment, then it is the responsibility of the customer to contact our Customer Service Department to notify us of the change to ensure the correct monthly payment is being sent It appears that there was an increase to Mrs [redacted] ’s monthly payment and we did not receive notification of the event The agreed upon monthly payment of $1,was sent to Mrs [redacted] ’s lender on record Once the stafee was collected in full, all additional funds were forwarded to the lender The additional funds above the monthly payment are reflected first in the August 20th payment.Our company provided its service to [redacted] as outlined both verbally and as written in the ACH Debit Agreement and terms of the program As stated in the terms and conditions, specifically item 5, “Client must notify Equity Plus within three (3) business days, of any changes in Client’s loan, including to but not limited to, lender changes, variable interest rates, payment amounts, escrow amounts, or any closure, transfer, or change of Client’s bank account.” It appears based on the information that we have, that we were not notified of a changed to Beverly [redacted] ’s monthly payment which has led to her being behind a monthly payment.We sympathize with Mrs [redacted] however we provided our services are outlined to Mrs [redacted] and as stated in our written terms and conditions As a good-faith gesture Equity Plus did agree to issue [redacted] a refund of half of the stafee On October 20, 2016, refund check (#10118) in the amount of $was mailed to Mrs [redacted] We understand that [redacted] feels that a full refund is justified, however since the issue was not created by our company’s performance, we do not feel that a full refund is justified In the event that the [redacted] Family can provide additional evidence that shows that the shortfall was created by Equity Plus, then we would be open to reconsidering the matterSincerelyEquity Plus Operations

This complaint is the same as [redacted] Please close one of the complaints, we will not be responding to different complaints for the same customer

talked with the customer 10/18/regarding cancelling of account.The account was created with the mbg and was refunded SaturdayRefund will show up on his bank either today, tomorrow or wedScreen capture of refund is attachedPlease call with any questions or concernsPlease mark resolvedQuestions please direct to Gerry @ ###-###-####

Albany Distributing is indeed a first level dropshipper that buys from the vendor and delivers product directly to the end userAD guarantees that its wholesale prices will be lower than what you will find from a direct competitor I.e*** and ***to name a fewIf you find that a competitor is
selling for less than AD, please send an email to ***@***.comIt is important to keep in mind that AD does not price match to other retailers that sell to the public, i.e***, ***, and ***, to name a fewA retailer, just like a distributor, may purchase products directly from the vendor in large quantities giving them the ultimate buying power to undercut another retailerSome retailers also have exclusive agreements directly with the manufacturers placing retailers who go through a distributor at a disadvantageThese are just a few ways in which a retailer could potentially undercut another retailerRetailers with low startup capital often times use a supplier, such as AD because it cannot meet the minimum requirements to purchase direct from a manufacturerSometimes in order to purchase direct you may be obligated to send a $25,purchase orderThe AD policy for the $membership has consistently been a nonrefundable fee, however, recently AD has updated this policy and now offers a day money back guarantee for account that are cancelled in days from the date of sign upThere are however some exceptions to this policy1.) You must be a new AD customer, not an existing AD customer, and 2.) Your account must have been created prior to the policy changeSince your account was created with the old policy, your account is not eligible for a refundHowever, in order to satisfy you, I would be more than happy to provide a refund to your account however because you have initiated a chargeback indicating that you had not received access to the service when in fact you have logged into your account on multiple occasions from July 17th, I'd be more than happy to provide a 50% refund and this complaint be closed

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

Thank you for the opportunity to respond to Ms*** *** complaint regarding the Equity Plus Program. I have reviewed the complaint filed by Ms*** and conducted a review of the matter. The items reviewed include the notes on the account and all of the phone calls taken
place with Ms*** and our companyMs*** states that our company represented ourselves as the mortgage servicer for her new mortgage. We strongly disagree with her statement. Ms*** initially enrolled in the Equity Plus Program on August 3, 2016. Ms*** contacted our company based on a marketing letter that she received in the mail. The envelope clearly identifies Equity Plus as the sender of the letter. The name and address of our company appears in the upper left-hand corner of the envelope where one looks to identify the sender. There are no other names or markings in this section of the envelope. In addition on the marketing letter, it states: Information is provided by Equity Plus. Equity Plus is a registered service mark of Lipsky & Associates. Lipsky & Associates is not affiliated, connected, associated with, or sponsored by the lender. Loan information obtained through public record. Lender name listed for loan reference identification purpose only. Ms*** lender’s name and loan amount are listed on the letter to identify the loan we are contacting her about. The letter clearly states directly above the name that it is “Listed for Loan Reference Only.” The lender’s name listed on her letter was *** *** ***, however her loan had been transferred to a new servicer, *** *** and she provided the new servicer’s information to our representative at the time she enrolledI have reviewed the enrollment call held between Ms*** and our Enrollment Representative that took place on August 3rd; which is the date Ms*** enrolled in the Equity Plus Program. During the call she provided us with her loan information and it was explained to her in detail how the program works. During the call, Ms*** was informed that we are not affiliated with her lender and that we would draft every other Friday and that payments are still posted on a monthly basis since participation in the Equity Plus Program does not change the terms and conditions of her loanMs*** asked the representative if she could just pay her loan biweekly herself. The representative explained to her that most lenders do not offer biweekly programs and that she would have to check with her lender and see what they can offer herAnd finally, she was advised of the $enrollment fee and the $bank transfer fee associated with the program. As part of the enrollment, Mr*** was read several disclaimers during the call in which she is clearly recorded as accepting those terms. The disclaimers covered with Ms*** included: 1) Agreeing to enroll in the Equity Plus Program2) That she understood the essential terms and conditions of the Equity Plus Program as they were presented to her3) That she agrees to the terms and conditions of the program4) That she authorizes Equity Plus to make automatic debits from her checking account starting August 26th5) That she authorizes Equity Plus to withhold additional principal payments and apply them to the $enrollment fee until paid in full. 6) That she understands that the enrollment fee is non-refundable and that in the event that she cancels before the enrollment fee is collected in full that she authorizes Equity Plus to collect the remaining balance in full. Ms*** agreed to each statement one by one by responding “Yes”. Enrollment into the Equity Plus Program is completed verbally over the phone. A verbal agreement is binding and no signature is required. In addition to the verbal enrollment, Ms*** was emailed a full copy of the ACH Debit agreement for her records. The debit clearly identifies Equity Plus as the administrator of the program. In addition it provides details regarding the company’s cancellation policyWe drafted Ms*** bank account on August 26th for the full monthly payment and sent the September payment to her mortgage lender. On August 30th she contacted us to cancel her program because her mortgage lender is also offering it to her. We explained to Ms*** that our program is a lifetime program so if her loan is transferred again to a new lender we could still offer her our program. We also offered to discount her enrollment fee by $100.00. Ms*** accepted that and decided to stay with our program. She then contacted us again on September 6th and requested to cancel the program. She was advised that the remaining enrollment fee would be due at that time. She refused to let us draft it from her account and requested that we send her an invoiceInvoices have been sent on September 7th, November 14th and January 3rd with no response. Based on my research, I do not find any misrepresentation of the program or any mistakes made by the staff of Equity Plus based on the facts. We conducted our service as outlined to Ms***. With that being said, I do not find any evidence that would justify waiving the remainder of the enrollment fee to which Ms*** agreed. Ms*** will continue to receive invoices for the balance due. However this is an internal attempt to collect the balance dueEquity Plus does not report to the credit bureaus nor do we use additional collection agencies to try and collect the balance owed. So there is no negative impact to the individual’s creditSincerely, Equity Plus Operations

"...I thought nothing more of it"This is the problemThe customer assumed something without readingIf the customer would have just read the sign up page, the customer would have been aware of the sign up feeIn fact, the *** office handing this complaint was directly involved with the Albany
Distributing sign up page pertaining to the $deposit, so that it would be clear to customersThe *** can attest to the fact that the ***.com sign up page clearly discloses the non-cancelable and non-refundable $"deposit"No such thing as "membership fee"We charge a "deposit"Again, if the customer would have read the information on the sign up page, she would be aware that there are no membership fees, but a depositA refund will not be given, because a refund is not owedAs a onetime courtesy, we will extend the day timeframe window to days (months)

The customer placed orders, however they were not paid for, therefore we could not ship themWe have informed the customer on several occasions that her credit card was declined and that we were UNABLE to charge her credit cardIf the customer is claiming that we charged her $for orders
that we did not ship, we are asking her to provide that shows we charged her, which she will not be able to do as we have not charged her $or for the various amounts she is claiming in her complaintSincerely, AD Helpdesk

Thank you for the opportunity to respond to Mr*** complaint regarding his enrollment in the Equity Plus ProgramI have reviewed the complaint made by Mr*** and conducted a review of the matter. The items reviewed included the notes on the account and the enrollment phone
call placed on October 4, In Mr*** complaint he states that he was under the impression that we were somehow connected to his lender. Mr*** contacted our company based on a marketing letter that he received in the mail. The envelope clearly identifies Equity Plus as the sender of the letter. The name and address of our company appears in the upper left-hand corner of the envelope where one looks to identify the sender. There are no other names or markings in this section of the envelope. In addition on the marketing letter, it states: “Information provided by Equity Plus (Licensed and Bonded TX#***), *** *** ** *** *** *** *** Equity Plus is a registered service mark of *** * ***. *** * *** is not affiliated, connected, associated with, or sponsored by the lender. Loan information obtained through public record. Lender name listed for loan reference identification purpose only” Also in the complaint Mr*** refers to the fact that he was under the impression that the payments would be applied biweekly. This point is also outlined in the marketing letter that he received. In the letter it states, “The funds are FDIC insured and paid from the administrator to the lender by the due date.” At no point does the letter state that the payments are sent to the lender on a bi-weekly basis. Mortgage loans are amortized on a monthly basis and unless otherwise stated in the mortgage loan documents signed at closing, the lender will not accept biweekly payments. All Biweekly Mortgage Programs operate under the same guidelines; it does not matter if it is a lender-sponsored program or a third-party administratorAfter reviewing the enrollment call held between Mr*** and our Enrollment Representative that took place on October 4th, which is the date Mr*** enrolled in the Equity Plus Program. During the call he provided us with his loan information and it was explained to him in detail as to how the program works. It was clearly stated that we would draft every other Friday from his account and that the payments would be applied on a monthly basis. During the reviewed call, Mr*** was informed that we are not associated with his lender and that payments are still posted on a monthly basis since participation in the Equity Plus Program does not change the terms and conditions of his loanAnd finally, he was advised of the $enrollment fee and the $transfer fee associated with the program. As part of the enrollment, Mr*** was read several disclaimers during the call in which he is clearly recorded as accepting those terms. The disclaimers covered with Mr*** included: 1) Agreeing to enroll in the Equity Plus Program2) That he understood the essential terms and conditions of the Equity Plus Program as they were presented to him3) That he agrees to the terms and conditions of the program4) That he authorizes Equity Plus to make automatic debits from his checking account starting November 4th5) That he authorizes Equity Plus to withhold additional principal payments and apply them to the $enrollment fee until paid in full. 6) That he understands that the enrollment fee is non-refundable and that in the event that he cancels before the enrollment fee is collected in full that he authorizes Equity Plus to collect the remaining balance in full. Mr*** agreed to each statement one by one by responding “Yes”. Enrollment into the Equity Plus Program are completed verbally over the phone. A verbal agreement is binding and no signature is requiredUpon completion of the enrollment, Mr*** was told that he would receive our automatic debit agreement with the full terms and conditions in 24-hours by email. However the agreement is simply serves as a confirmation of hit enrollment and does not require a signature.. On October 18th we mailed a welcome letter to Mr*** stating that the biweekly drafts would begin on November 4th. We drafted Mr*** bank account on November 4th and November 18th and sent the December payment to his mortgage servicer. On November 30th he contacted us to advise his loan was transferred to a new mortgage servicer, which is common practice with lenders. At the time he contacted us his December payment had already been sent to the original lender of record. During the time of a transfer there is a day window where the new servicer cannot count a payment as late, assess late fees or incur any credit reporting as late. This is outlined in the RESPA ActWe have contacted his original lender's payment processing department and they have confirmed receipt of the December payment. They have stated that his payment was sent next day delivery to his new servicer on December 7th. We have also been advised that the monthly payment that was provided to us at the time of enrollment was incorrect, so once the new servicer receives the December payment he will be required to pay the difference in order for the payment to be applied to his loan. Based on my research, I do not find any misrepresentation of the program, nor any mistakes made by the staff of Equity Plus based on our review. We conducted our service as outlined to Mr***. With that being said, I do not find any evidence that would justify a refund of the stafee that Mr*** agreed too. As Mr*** was advised on December 6th by the Supervisor of our Customer Service Department, the biweekly draft taken on December 2nd will be returned to his bank account minus the remaining enrollment fee owed. That credit request has been submitted and the credit should appear in Mr*** checking account on Friday, December 9th. We are disappointed that Mr*** has decided to cancel the program at this time. Since the enrollment fee has been paid in full, Mr*** does have the option of returning to the program at any time without an additional enrollment fee Equity Plus Operations