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I am so sorry to hear that yet more unsuspecting, hardworking individuals have been scammed out of their hard-earned money.
You were wise to file a formal Complaint with the Washington State Attorney General's Office and the Attorney General's Office In the State where these scammers have their business.
The Better Business Bureau does not have the power or the authority to investigate or prosecute these scam companies. The Better Business Bureau is a repository for Complaints so that anyone who is thinking of doing business with any particular company, can call the Better Business Bureau and ask if any complaints have been filed against that particular company.
The agency which is the most powerful in getting full refunds for people like yourselves is the Federal Trade Commission. They are the Federal consumer's watchdog and they have the additional powers of investigation, prosecution, and conviction of the individuals behind these scam operations. You can file a formal Complaint online at their Official website - www.ftc.gov
The FTC has very strict rules about false and misleading advertising, companies which prey on the unwary who can least afford to lose money by selling them "Make money from home" schemes, "Get rich quick" schemes, and similar scams, and the FTC takes each investigation and prosecution very seriously. They have successfully obtained full refunds for consumers like you and your husband.
One more step you can take is to call the credit card companies which you gave to these scammers and ask to speak to the "Fraud Department" (Not "Fee Disputes"). Tell them that these are scams and that you have reported them to the FTC already. Ask that they remove the charges from your credit cards, cancel those accounts and issue you new credit card account numbers so that they cannot put back the charges that the credit card companies' Fraud Department removed. The credit card companies will send you forms to fill out and return to them and they should credit your accounts with the money that these scammers charged to your accounts,
I wish you the best of luck,
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Thank you for your response. Although I filed with the Attorney Generals offices I have been told there really isn't much they can do because of the business being in one state and me being in another. I will, however, contact the FTC. I'm really hoping they can help as we've lost so much money and instead of me helping with finances I put us deeper in debt.
Again thank you for your answer, I appreciate it.
Actually, there is quite a bit that the Washington State Attorney General can do. The Offices of the Attorneys General of the other States all work together. Their most recent effort, which is still ongoing, is the many class actions they filed together, on behalf of, and for the benefit of their respective residents against different Mortgage Lenders, including Bank of America, Wells Fargo, and Chase Mortgage, just to name a few. They very often collaborate and cooperate in their efforts to rescue their citizens from different types of fraud, from scammers like the individuals and companies you encountered, to predatory Mortgage lenders, to unethical and deceptive business practices engaged in by member companies of every conceivable industry.
You should also file a formal Complaint with the State Attorney General's Office of the State in which these companies have Offices and you may also want to include on your list of government agencies to notify, the Department of State of these States also because these companies have to file Articles of Incorporation in their home State in order to do business in the form of a corporation and they also must file registrations in the other States in order to be able to do business in those States. So, you can see how and why the Departments of State of the various States would also be very interested in all information on companies which are doing business within their borders, but are really scamming their citizens out of their hard-earned money.
You should contact the Federal Trade Commission as soon as possible to file a formal Complaint. Here is the exact page for filing a formal Complaint online,
In order to give you a little more insight into the inner workings of the Federal Trade Commission, I am reprinting below, a recent statement made by the Federal Trade Commission's Division of Marketing Practices,
"The Division of Marketing Practices responds to ever-evolving problems of consumer fraud in the marketplace. The Division enforces the FTC Act and several other Federal consumer protection laws by filing FTC actions in federal district court for immediate and permanent orders to stop scams; prevent fraudsters from perpetrating scams in the future, freeze their assets; and get compensation for scam victims.
The Division's enforcement priorities include:
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