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:06/30/2024

  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.

  I am complaining about SCHAEFFER'S INVESTMENT SERVICES that is not a trading broker, but a so-called experienced firm with 40 years experience that charges thousands of doll;ars for options trading "Recommendations" that are in great majority losing ones. Not only do they pretend gains of 100% to 200% when they fail, but they constantly bombard us with new schemes names to get more and more and more thousands of dollars. If this kind of fraudulent activity falls into your juridiction, I am ready to supply every and all details of their activity and supposed services. My email address is: *******************. Thank you for helping stop thieves that charge thousands for rubbish advices.. As further signs of misleading frauders, if needed, these crooks do not email their Recommendations under their name but an anonymous "subscription". Their Recommendations do NOT mention their name either, but a truncated "S" as seen on the attached documents. So that they can escape any direct responsibility!!! How treachurous!! Awaiting to hear from you that you can stop such kind of malefactors. Thank you for your help.

  Business Response

  Date: 07/03/2024

  Complaint # ********
  
  We are sorry the ELITE TRADER doesn’t meet your needs.  Your ELITE TRADER is accompanied by our 90 day, pro-rated satisfaction guarantee.  The guarantee requires you to evaluate the program for the initial 90 day period.  Once the 90 days have lapsed, we provide a 14 day window thereafter to request a 75% refund for any reason whatsoever.  Your refund window is just a few weeks away.     Here is exact wording of your guarantee:
  
  “Your order comes with our 90-day satisfaction guarantee. This means that you are committed to the first 90 days of the service and after day 91 you will have the following options: you may transfer your remaining credit towards another service OR you may opt out and be refunded 75% of your subscription fee. All you must do is notify SIR within 14 days after day 91 to request a refund. Your order is otherwise non-refundable.”
  
  As you can see, your ELITE TRADER subscription is ineligible for a refund at this point in time.  Please contact us anytime between August 7th through August 21st for a 75% refund back to your credit card.
  
  Your ELITE TRADER package is a combination of 5 programs under one umbrella.  The five programs include the LEVERAGE/PLAYERS/EVENT/POWERTREND/OPTIONS UNDER $5.  When a recommendation is sent, the title of the email notes from which of the 5 strategies the trade is derived.   

  Customer Answer

  Date: 07/03/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  Regards,
  
  ******* ******
  

• Initial Complaint

  Date:05/18/2024

  Type:Sales and Advertising 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 have been getting about 20 spam emails daily from different domains. However, all of the emails have two things in common that are listed within the hidden headers of the email. 1. email addresses that include the domain name of suddenlink.net (specifically **************************** and [email protected]). 2. List-Unsubscribe: **************** I do not have an account with schaeffersresearch nor have I EVER subscribed to ANY of their newsletters. I'm assuming that they have gotten my email address from some list or someone is using them to lure people into clicking on links that will prompt them to enter private information. I have emailed them at [email protected] with no response from them or any ceasing of the spam emails. I JUST WANT THE SPAM TO STOP!! Here is a portion of the hidden headers from one of the spam emails I am getting. Received: from ******************* (************) by ******************************************* ********* id **************** for ****************************; Mon, 12 Feb 2q024 17:13:02 -0500 From: *************************************************  To: Trader Subject: **********, ID#***** Date: Fri, 17 May 2024 16:10:04 ***** ************* *** Content-Type: ********************** ************************************** Message-ID: List-Unsubscribe: ****************** List-ID: ****************** List-Unsubscribe: ****************

  Business Response

  Date: 05/21/2024

  RE:  Complaint # ********
  
  Hello *******,
  
  We do not have your email address, *********************, in our database, so it would be impossible for us to accept an unsubscribe request from a customer who is not subscribed to anything.  It appears our emails were being re-directed to your account from other email addresses; something that you set up and we cannot see from our end. 
  
  Regardless, we have immediately stopped all emails to the original addresses in order to stop any redirects to your actual email address.  We apologize for any confusion here and confirm that all parties have been successfully unsubscribed now. 

• Initial Complaint

  Date:03/09/2024

  Type:Sales and Advertising 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 have blocked the email ************************** and continue to receive spam email from this address. I am unable to unsubscribe from their email list and can’t reach anyone from this company about the issue.

  Business Response

  Date: 03/11/2024

  Complaint # ********
  
  I’m sorry but your email address is not in our system.  If possible, please sign in to your ****** account then open the email in question.  Once you open the email, click on the three dots at the top then select “Show All Headers.”  Please copy and paste the information into an email to [email protected].  After we receive this information, then we can properly resolve your problem. As this email address in not our database, we cannot resolve the issue without more information.

• Initial Complaint

  Date:03/07/2024

  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 have had a dispute with Schaeffer's Investment Research and US bank and the end result was in favor of Schaeffer's .I did not understand what I was doing at the time. I thought I was investing money and instead I was purchasing subscriptions to their information .I have paid thousands and have NOTHING to show for it. I have received hundreds of E-mails from them and all of their friends. I am 87 years old and I couldn't begin to read them all, I do not understand their business language. I am not an investor and had hoped to find someone to help. No one was available .I have paid the bills because I did not want to lose my good credit score, but would greatly appreciate it if they would humble themselves and give me a reasonable refund. Maybe treat me like they would treat their mother. Any help would be appreciated. ********** ** won't accept the amount of money.

  Business Response

  Date: 03/14/2024

  RE:  Complaint # ********
  
  After careful review of all call transcripts, every transaction was confirmed as valid. Your credit card provider also came to the same conclusion.  Schaeffer’s Investment Research is not a broker.  We are simply a subscription service where our clients compensate us for our expertise to handle research and analysis on their behalf.  Each call clearly explained the fact that you would need to open an account and fund it with the broker of your choice in order to execute our recommendations.  We continue to provide these recommendations to you on a routine basis.  Although you elected not to use a broker to trade the recommendations on your behalf, I also offered to help, however, my courtesy was rejected. 
  
  Per our earlier conversation, your SUPERTRADER subscription is eligible for a pro-rated refund if you request to cancel within the proper refund window of May 15th through May 29th.       

  Customer Answer

  Date: 03/16/2024

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

• Initial Complaint

  Date:02/29/2024

  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.

  2022-

  Business Response

  Date: 03/06/2024

  RE:  Complaint # ********
  
  I’m sorry you are unsatisfied.  Please elaborate regarding your specific issue.  I will be glad to help resolve any concerns.

  Customer Answer

  Date: 03/06/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  Regards,
  
  **** *****

   

  This case study is a candidate for becoming a universal household known byword “to live in infamy”: Schaeffer’s Investments.

  The victim 90 year old niece of notable ***** ** ********** headquarters company ******* * ****** ******* ******* represents a significant vulnerable percentage of the American population exhibiting polite non-involvement followed by shocked repeated requests for refunds, now plus damages subjected to the spectrum from anaconda to threats. 
  

  As deterrent to aide future Seniors this matter is on the road to all possible remedies, protections and punishments of every type: public media (e.g. 60 Minutes), business regulatory, governmental, legal, etc.

  All communications must be in writing.

   

  Business Response

  Date: 03/25/2024

  Schaeffer’s Investments takes accusations of elder abuse very seriously.  We do not believe any of these accusations are substantiated.  Please clarify your position by providing specific instances of where we failed in your estimation.  We would never threaten or intimidate a client, nor would we have any motivation to do so.  Although we haven’t heard from you for over 8 months, we want to provide the best service possible.  We are unable to approve any refunds at this point, however, you have several programs that may be potentially eligible for a refund in the coming months ahead if they fail to achieve their minimum performance parameters. 

• Initial Complaint

  Date:02/08/2024

  Type:Order 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 went online and purchased a $75 subscription for options trading on August 23rd, 2023. I got 10 trades a month plus other things and that was perfect because I wanted to learn how to trade. The morning of August 24th, I received a call from Edwin B****, Account representative. He wanted me to purchase a different subscription and I said I was happy with my purchase. He convinced me I that what I purchased was a newsletter and not what I needed. He talked me into purchasing a $3,995 subscription. I received the paperwork through email. I looked back at my first subscription and saw that he had lied about it. I immediately requested a refund and was told they don't issue refunds. I disputed the charge with my credit card company. They sent in documents and a copy of the call log. On the call log, Edwin offered to give me a refund in order to purchase the second subscription eventhough their paperwork says they don't give refunds. Edwin said that my subscription is fully refundable after 24 months if they don't send me 100 money doubling trades at 100% or more. The paperwork says 100 winning trades. That's not the same thing. He made many untrue statements during the 11 minute and 12 seconds call. I requested a refund the next day. The contract doesn't say the same thing as what he said. That can't be legal and it's definitely not ethical. I have filed complaints with multiple agencies and John V***, Chief Compliance Officer with Schaeffer's Investment Research, sent a letter to the Attorney General's Office full of untrue statements, eventhough the call log says something else. The agreement cannot differ from what is said. They have to agree. I will be happy to provide the BBB if needed. Schaeffer's has these documents.

  Business Response

  Date: 02/13/2024

  Complaint # ********
  
  I’m sorry but I’m unable to honor your refund request at this time.  The customer’s subscription is covered under our full money-back performance guarantee, however, it is not applicable at this juncture.  Although the complainant sought a refund multiple times, the terms and conditions of the sale never changed.  For the record, our performance guarantee states we promise to deliver a minimum of 100 recommendations that result in 100% or more gains, not deliver 100 winning trades.  In order to alleviate any misunderstanding, below is our full money-back performance guarantee:
  
  “Your subscription fee is fully refundable after 24 months if this service has not delivered 100 winning trades of +100% or more over that 24-month period, as calculated by Schaeffer's Investment Research using our normal performance tracking methodology. This special guarantee offer is only available to new subscribers and applies only to the first 24 months of your subscription. Subscribers must contact Schaeffer's Investment Research within the first 14 days after the initial 24-month period to request a refund. Due to the exclusive nature of our subscription services, your subscription fee is otherwise non-refundable.”

  Customer Answer

  Date: 03/16/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ** ********* and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below. Edwin B**** offered me a refund of my first subscription, which was non-refundable, in order for me to purchase this more expensive subscription. That is unethical! I didn't get the chance to read the entire policy until after I paid. Had I read it, I would never have gotten this subscription. It's obvious that this will not get resolved. I will have to pursue other avenues because I feel that you all are money-hungry, unethical people. I want nothing to do with you shady people. 
  
  Regards,
  
  ********* ********* 
  

  Business Response

  Date: 03/22/2024

  1.  The PDF document is only 11 pages.  Which specific details would you like for me to elaborate?
  2.  The customer has been a member of our database since 8/23/23. 
  3.  The definition of a “new subscriber” represents a customer who is new to a particular program, not new to the Schaeffer’s Investment Research organization.
  4.  We acknowledge, and previously reiterated on multiple occasions, the customer’s purchase is eligible for the full money back guarantee if we fail to deliver a minimum of 100 recommendations, over the initial 24 months, that result in 100% or more profit. If we fail to achieve this benchmark at the end of the 24 months, we will refund the customer’s subscription fee in full.  

• Initial Complaint

  Date:01/29/2024

  Type:Product 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.

  On 12/22/2023 I mistakenly ordered an investment program for $75.00 from this company after receiving an email from them. I phoned them about this but was told that all sales were final and after further conversation they hung up on me. The employee was very rude prior to disconnecting my call. I called again a couple of days later and talked with another rep who was polite and he asked if I wanted to cancel the sale. I told him I didn't feel that I could benefit from their program and he agreed to cancel it. I made the incorrect assumption that a refund would be made to the credit card I used. Since no refund appeared on my card statement I called Schaeffer again and the person I spoke with was the same person I spoke with on my first call. He told me in no uncertain terms that they would not refund my money and they would not let me use their program. After a couple of unpleasant words he hung up on me. I have never downloaded the program and have not attempted to use it. In my 91 years I have never encountered a company like this that is so customer unfriendly and has been in business for over 40 years. After my last call I looked at the BBB report and it seems that they frequently treat their customers like they treated me. First of all I would like to get a refund. I have trouble understanding how they can take my money and refuse to even let me have what I paid for.

  Business Response

  Date: 01/29/2024

  This matter has been resolved to the client's satisfaction.

  Customer Answer

  Date: 01/30/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. An apology for the mishandling of my complaint  by Schaffer representatives was made and accepted by me.
  
  Regards,
  
  ****** *******
  

• Initial Complaint

  Date:01/23/2024

  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 12/17/23 I signed up for Grand Slam Countdown and Vertical Options Trader. Each service was $195 for lifetime access. On 12/18/23, N****** S**** (Schaeffer account manager) left a message with my sister advising me that since I clicked on links from old e-mails, the prices I paid were not valid. I believe the e-mails were from October 2023 so they weren't really that old. Access to both subscriptions was removed from my account and 2 refunds of $195 were issued. On 12/18, I e-mailed Schaeffer Customer Service to find out exactly what was the problem. I didn't know if the (falsely advertised) price was the only issue with my account. On 12/26, I called customer service to find out why nobody had replied to my e-mail from 12/18. I spoke to L***** who transferred me to J*** V***. I left a VM. John used to be the Compliance and Training Manager. I think he moved up to VP but I'm not sure. I spoke to John on 12/29. I mentioned that if the e-mailed links took me to pages that were still accessible, that (lower) price should have been honored. I also told him that prior to the call I went to those pages again, refreshed them to ensure that they weren't being pulled from the browser cache and the lower prices were still being displayed (and were displaying up until a few days ago). I think both pages have finally been taken down. He said there was nothing he could do. A couple things bother me. 1. N****** should not have discussed my account details with anyone but me. 2. If I was still able to reach the "outdated" web pages, whatever price was displayed should be honored. Usually links from old Schaeffer e-mails would display a "404", "page not found", "offer expired", etc. That wasn't the case with these 2 links. As a lifetime subscriber to 2 other Schaeffer subscriptions, Expiration Week Countdown and Weekly Options Countdown, I expect a little better treatment. Especially from a company that's been around for 42 years and has fairly good reviews on various sites.

  Business Response

  Date: 01/24/2024

  Complaint # ********
  
  I’m sorry you disagree with our internal protocols, however, our initial verdict is final.

• Initial Complaint

  Date:01/22/2024

  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.

  Sometime in the summer of 2023,I signed up for some Investment letters from Schaeffer Investment research. very quickly, I determined that they were not suitable for me and requested cancellation. I knew that the fees were non-refundable. However, i just wanted the e mails to stop. i emailed the support staff to no avail. Phone contact led them to tell me that only the salesman could stop them.In due course in november, I was contacted by phone by the salesman, Edwin B****.I explained the problem to him. He said I had $4000 plus credit there and they had a Sunday serviice which seemed to fit me. I agreed as Iwould see something for my credit!! he reviewed it ,mentioned something about a credit card on file.Said he would GIVE me a life membership. On Dec 11th, I noticed a charge for $3995.US on my credit card from Schaeffer. I called the firm on Dec 3th about. but was told only the salesman could reverse the charge. I was put through to B****'s voice mail where I told him the charge was not part of the deal. THAT CHARGE WAS REVERSED. On Jan 3,2024 i saw another charge for $3995. from Schaeffer! Discussion with Schaeffer led to a talk with Compliance John V***. About 3 days later he said he had reviewed the telecon and I had agreed to the charge and there was no refund!!! No mention was made that he reviewed the telecon to B**** in mid Dec. ( he could find no trace of the reversal). WHY WOULD I AGREE TO PAY $3995 WHEN II HAD A CREDIT?? I sent an e-mail to Schaeffer attn Bernie Schaeffer and a snail mail copy to B Schaeffer. I have not had any response. I have filed a complaint with my Credit Card provider. This is a typical "Bait and Switch" manoevre!!! I realize my $4000. credit is gone, but the latest $3995. was protested immediately and should be returned. I am 91 by the way!!! I am still receiving the Sunday e-mails, which I delete withiut actioning. ****** ****** *******************

  Business Response

  Date: 01/22/2024

  Complaint # ********
  
  Since the charge in question is currently under dispute with your credit card provider, we must follow our internal protocols of communicating directly with your financial institution until the dispute has been resolved.  Regardless, customer consented to the $3995 transaction on 1/3/24.  Here is an excerpt of the transcript:
  
  SIR Account Representative
  Alright. We'll do the Weekend Trader lifetime $3,995 using that same **** on file. I'll send you a confirmation email. If you have any questions. Give me a call. Okay?
  
  ****** ******
  Okay, fine. Thank you.
  
  SIR Account Representative
  Bye bye.

  Customer Answer

  Date: 01/22/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  Regards,
  
  ****** ******

  Selective quote from telecon!! previously in the conversation the  salesman promoted  Weekend Trader from credit on file.Why would I add money??? Does not address issue of reversal of December charge when I complained about it.Does not address the contents of my message to B**** about Dec 13/14 after which the first charge was reversed. Claim no record is not justified.

• Initial Complaint

  Date:12/28/2023

  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.

  Free Trial 2 weeks 12/18/23, extended free trial 3 months, but there was not disclosure of full cost of 3995 to pay upfront in the email, and is only cancelable if not happy at end of 90 day trial. I talked Nathan to cancel, but he is very insisting, aggressive, and obnoxious saying I agreed the full term on the email. I called ******** **, reported as fraud/ unauthorized transaction, disputed, closed the card (****), issue new card (****), I have deleted all the alert messages, and have not using it from day 1. Schaeffer’s Investment Research, Inc. Contact: Nathan S****, Senior Account Manager, ****************** ###-###-#### (Nathan), Customer Service: [email protected], ###-###-#### Address & Website: Schaeffer’s Investment Research, Inc 5151 Pfeiffer Road – Suite 450 Cincinnati, OH 45242 – USA ****************

  Business Response

  Date: 12/29/2023

  BBB Complaint # ********
  BBB Review # ******

  We attempted to contact the customer multiple times to resolve his concerns without any response.  Because this matter had already been resolved to the customer’s satisfaction prior to this posting, we consider it closed.

   

  Customer Answer

  Date: 12/29/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  Regards,
  
  ****** ****
  

  Customer Answer

  Date: 12/29/2023

  CERTIFIED LETTER WITH RETURN RECEIPT
  
  Date: December 29. 2023
  
  To: Schaeffer’s Investment Research, Inc.
         5151 Pfeiffer Road – Suite 450
         Cincinnati, OH 45242 – USA
  
  From: ****** * **** **
             **** **** **** **
             ******** ** *****
  
  Re: Termination of Subscription.
  
  Dear Shaeffers:
  
  This is to inform you that I want to cancel the Schaeffer's Option News Letter Subscription (Option Advisor) in entirety.  I was getting 2 weeks of trial subscription with $7.00 on 12/18/23, and unauthorized $3995.00 on 12/22/23 with 30 days Free trial extension in the next email.   There was click button with Credit card charge for the first one, but I have not seen a charge button for the 2nd charge, and furthermore, I do not remember any agreement, nor on the confirmation email I received, there was no checkbox and/ or signature line. 
  I contacted support team to learn how to use the News Letter 3-4 times without connection (I have only beginner’s experience).  Nathan was finally connected on 12/22/23, and he stated that I agreed to the 90 days free subscription and charged $3995.00, I never saw charge on email, and is unauthorized.   I was surprised to find out the absurd $3995.00 charge up front, and is refundable if I am not satisfied at the end of 90 days.  I expected the annual subscription might be no more than $250.00, not $3995.00 for 90 days.   
  I requested Nathan to cancel the subscription immediately on 12/22/23, and Nathan refused to cancel, saying I agreed in the mail(?), stated that is refundable if I am not getting positive performance, and he was insistent, aggressive and obnoxious.   Later, he called and want to work out a deal? on the voice mail.   Moreover, I was still in the first 2 weeks trial subscription periods, but I do not understand why I was getting 3 confirmation emails with Quick Guide.
  I have received several News Letters with Hot lines, Option Advisor, and I read the first one, but it was hard to understand.   I have never traded Options as instructed in Hotlines.  I unsubscribed and deleted all the following emails and News Letters, and have no intention of using or Trading as Hotlines, with reason 1 difficult to follow and 2 the customer representative, Nathan’s unprofessional manner. 
  Please stop sending me the Alert News Letter or Option Advisor, and appreciate for full refund of $7.00 plus 3995.00 paid by Elan Credit Card **** ASAP.  I have forwarded, unloaded and faxed the copy of cancellation letter to the Fraud Department of Credit Card and Agencies.
  Respectively submitted.
  
  
  ****** * **** **
  Cell. ###-###-####
  Email. ******************
  
  C/O  1. US_Sec.Gov- ****************. – Fax. 2*********
            2. ReportFraud.ftc.gov 12/26/23, ****************, /refund, Report No. *********
            3. BBB.org
            4. **** ********* ******* Credit Card ****-  Fax. **********

  Business Response

  Date: 01/09/2024

  BBB Complaint # ********
  BBB Review # ******

  We attempted to contact the customer multiple times to resolve his concerns without any response.  Because this matter had already been resolved to the customer’s satisfaction prior to this posting, we consider it closed.