Michael Teng Li

I want to give 0 star, I mean they don’t deserve even 0.1 star.


Subject: Request for Refund due to Scam Activity
Dear Apple Support,
I am reaching out to request a reconsideration of my recent refund application, which was unfortunately denied. I believe I was wrongfully charged by an app downloaded from the App Store, called "Once Love Match Maker".
After extensive use, I realized that the services promised by the app were not being delivered. It became apparent that I was interacting with chatbots pretending to be real people, rather than the genuine human interactions promised by the service. Despite engaging in numerous conversations, essential topics I discussed with supposed users were often forgotten within a short time. These users were also available to chat 24/7, reinforcing my suspicions of interacting with chatbots rather than real people.
Upon further research, I found that multiple online sources have flagged this service as a scam. This app has taken advantage of numerous users like myself who signed up in good faith, expecting a fair and genuine service.
I'm disappointed with my experience and am requesting a full refund for the charges related to the "Once Love Matchmaker" app. I have attached screenshots and links to the reviews labeling this service as a scam as evidence.
I understand and respect the policies set by Apple, but I strongly believe this situation warrants a refund due to the misleading and deceptive nature of the service provided. I'm confident that Apple supports fair and safe online practices and I hope you consider my request favorably.
Thank you for your time and understanding. I look forward to your positive response.
Sincerely,
Michael
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Remember to attach screenshots or provide links to the reviews you found about the matchmaking app being a scam in your email.

Title: Beware of Potential Deception on 'Once' Dating App

I recently had an unsettling experience with the 'Once' dating app. Despite investing over $600 to interact with profiles, I encountered several red flags that suggest the possibility of automated responses or deceptive practices. Conversations lacked continuity, and the profiles I interacted with refused to switch to free messaging platforms, insisting on staying within the app which required constant financial top-ups.

Moreover, these profiles seemed to be available 24/7, replying immediately at any hour, which is unusual for real individuals. Inconsistencies in the background information of profiles were also frequent. For example, one profile's claims about their educational background were contradictory and changed during our conversation.

When I raised these concerns with Apple seeking a refund, my request was denied as it didn't meet their conditions for a refund. This experience has left me questioning the legitimacy of the app and the integrity of its user profiles. I urge potential users to be cautious and perhaps consider other more transparent and reliable dating platforms. My experience highlights the importance of vigilance on such apps, especially those requiring substantial financial investment.

Before I discovered Scored Up, I was under the weight of a poor credit score and several defaults. This burden had been with me for four long years, preventing me from securing finances for both personal and business endeavors. Living with such financial constraints had plunged me into a deep state of stress and depression over the past five years.

However, thanks to Scored Up, things have taken a dramatic turn for the better! Within less than three weeks, my Experian credit score skyrocketed from 423 to 575 – a remarkable jump of +143 points. But the magic didn't stop there. They also assisted in lodging complaints and error corrections that led to the removal of 4 defaults and 4 credit impairments from my credit file.

The team at Scored Up has enlightened me about financial hardship assistance – an option I wish I had known earlier, which would have saved me from the pitfalls of defaults. Additionally, I was under the misconception that defaults, once on your credit file, stayed for at least 5 years, even if you settled them. Scored Up debunked this myth for me, showcasing their expertise in the credit repair field.

The fee charged by Scored Up is incredibly reasonable, especially when you consider the life-changing results they deliver. For such a modest investment, my entire financial landscape has shifted, allowing me to breathe again and pursue opportunities that once seemed out of reach.

To anyone struggling with their credit, I cannot recommend Scored Up highly enough. They've not only rectified my credit woes but also imparted valuable lessons on maintaining a clean credit file. Here's to fresh starts and second chances!

I recently applied for a loan with Fundo, having been influenced by their explicit advertisements mentioning 'payday loans no credit check.' Believing that my credit would not be accessed, I was shocked to find a hard inquiry on my credit report from Fundo, which negatively impacted my credit score. I feel misled by Fundo's advertising, as it contradicted the actions they took. It's essential for companies to be transparent and honest about their processes, and in this case, I believe Fundo fell short. Prospective borrowers deserve accurate information to make informed decisions, and based on my experience, I caution others to be wary and double-check all claims before proceeding.




Hello Mr Li

I acknowledge receipt of your email. I also note that no copies of any advertising or correspondence to which you refer were attached to your email.

We would certainly be interested to view what you consider to be misleading advices or advertising as no where in any of our published material do we state that no credit file enquiries will be conducted for any loan applications that we receive. Additionally, as part of our loan application, applicants (such as yourself) are required to acknowledge that you have read and understood our Privacy Policy document, which includes explicit consent for us to access your credit history file if we elect to do so. We cannot make such an enquiry without a person's consent, so we are legally obliged to obtain this, which we do.

We will happily review any material you wish to send us on receipt of this.

So after i read their respond I cant even bother reply wasting my time, i lodge my complaint directly to all sort of financial government body,

i have attached about no credit check loan on their website stating clearly about no credit check loan , i have followed exact procedure to apply this no credit check loan, they think I have whole day to argue with you about what is misleading ? I sending this email to you 1st is because if you able to sort it out to save both parties time and effort back and forth, I gave fundo loan a chance to sort out their mistake, but they trying wasting my time, well terrible service, dont trust them they will do hard search on your credit file and damaged your score.


PAYDAY LOANS NO CREDIT CHECK

Have you been looking up ‘payday loans no credit check’? When you are in a financial bind, you need access to cash fast. But what’s the point of a fast cash loan if you need to spend days filling out paperwork to get it?

Traditional loan applications often require reams of paperwork and a long approval process. And if you have bad credit, it can be even harder to get approved for a loan. It may even be harder to find a traditional lender that lets you apply for a loan with no credit check.

As an alternative lender, we believe that you shouldn't be barred from borrowing funds. At Fundo, we provide those looking up ‘payday loans no credit check’ with an option – one that won’t immediately turn them away just because of bad credit.

With minimal borrowing criteria, we provide quick access to the money you need without the hassle of paperwork or long approval processes.

WHAT ARE THE ADVANTAGES OF GETTING PAYDAY LOANS WITH NO CREDIT CHECK?

There are a number of advantages when it comes to ‘payday loans no credit check’ for those who need quick access to cash. The primary benefit of this type of loan is that borrowers do not have to go through the lengthy process of obtaining a traditional loan from a bank or other lender. With Fundo’s payday loans, borrowers can apply for and receive funding in an instant.

These are short term loans designed to cover unexpected expenses or bridge a financial gap between payday. Since no credit check is required, the application process for these loans is often much simpler than for traditional loans. This means that borrowers don't have to worry about their credit score impacting their ability to obtain the loan.

Finally, these loans are unsecured, meaning that borrowers don't have to put up collateral in order to secure the loan. All of these factors combine to make payday loans with no credit check an ideal solution for those who need money in a hurry.

You can apply for a cash loan from anywhere using Fundo’s online platform. Our gamified experience puts the fun back in funding, by incorporating a reward system that promotes financial wellness and much-needed assistance along the way. The Fundo Credit Score is a benefit unique to our platform, designed to enable you to track your financial progress and reward healthy borrowing habits.

I am still waiting for my payments , there is no reply or any communications at all, its been its been almost 3 days now

I made a crypto purchase yesterday almost 23 hours since I transfer my money 3k though pay ID, order #6781033 , and no reply at all and I have been reached out your support 2-3 times and even reached Kucoin support as well, I am highly disappointed and very drained, this will be last email message to you and I am done, This already been happened no of times before, but I didnt bother to write review, thank you

sometimes purchased can be quite long time, I mean talking over 12 hours long, the most annoying part is some exchange platform which I need to verify 2-3 times with providing selfie etc, just too much, not sure why your system not able to recognised my info, your fees is quite low and competitive which is great but just sick of verification 2-3 times in one place, overall I probably done 6-8 times on ID selfies verifications within 3 exchange platforms. not only cost you time and money verifications, it could take 12 -24 hours for approval and your cryptocurrency arrival time can be quite crucial , in might cost you a lot more than your low transactions fees.

I want to clarify definitely not a scam, and refunded my money just only 2 business days, well done, also purchased transactions are quite efficient as well.

1st of all, I sent $5000 to banxa that they instructed me to, they will only asked you to doing ID check after your money landed to his account, that is sign no 1, also there is no specific email that mentions what we have to provided in this transaction until you waited hours and realized how come my cryto ETH still not arrived, the you start panicand go check the transaction box, you need to check carefully and relized they required you a bank statements for the transaction, I mean I am the one who sent you the money through Pay ID, trying find things to red flag me so you could keep my funds or delay my transaction, 2ndly after i I sent the bank statement they just leave it with no reply but only auto reply over 12 hours, I saw the trasaction condition, they reserve the right to refund you if you transfer the money later then 30 mnutes which is fair enough due to the cryptocurrency price fluctuations but Banxa never consider customer sent the money waiting for the transaction meant to be instant which with no reply with nothing, so I woke up next 12 hours I sent them more messages , I was furious and frustrated about this, I complained to changelly that why they both business partner, so changelly reply me straghtaway with some bullxxxx. Changelly reply to me sayinf they going to refund me the money please allow up to 14 days of refund, the reason is the money I pay ID to Banxa they noticed is coming from my business account which not allowed, another bullxxxx, obviously money has to come from somewhereof my pocket, I cant see the problem at all with the business account is under my name. anyhow, Banxa should be mentioning money only allowed coming from personal account from the begingin of the transaction before we paying you, this crucial things should be high alert, but why you dont mentioned at all??? also why why you dont mention ID check is the procedure until the money has been trasnfer and landed to your accoun, the total time for my ID check was 48 hours after my money transfer into Banxa, they are virus in business, I asked for ID transaction for refunding my money, and they reply they is no ID transaction provided, just have to wait up to 14 days, this is absolutely unacceptable, I got all transaction proof and email kept for the proof of their behaviour. This is not accptable behaviour at all, business like Banxa should be res flag and high alert, now my money iis kept in their account with no ID transaction of when they refunded me, I now just have to sit and wait. imagine they doing to 30% of their customers using those money to buy crypto and other investment, are they not scam?? I would say thjey are also a scam but in a strategic way of scam, delaying your transaction time, say they checking this and that what a bullxxxx. lastly changelley as business partner is not good either, they always stick to each other running this type of business scam. guys dont fall into this

This crypto bank is extremely efficent and friendly, did many transactions transferring back and forth never give you words to hear, i love love crypto banks this one i have to give good credit rating, very efficient, very friendly, no headach, unlike National bank freeze my account when too many transactions and they even trying question me why do i have so many transactions with my money, i really speechless with them,

i dont know how they got such good review,the wallet had many issue, i stil currently got over $1000 ETH and 530 NEXO token stuck in the wallet not able to transfer or do anything, i requested help, initially the support try to help, always comes back the solutions are either i didnt up grade my version which is buillshit, i have checked my version is always the latest version or your address wasnt fully, always comes back is my fault, which isnt true at all, but dont care, all i care is resolving my issue, and now i have provided everything what they asked me to do, but now just ignoreing me for the past 2 dsays, how frastrated when you cant transfer your money out,

Before I met Ebroker, it was nightmare for me, my situation quite simple, I need to hassle free low doc with little bad credit history, so I went online searching personal loan with no documents required, went through 1stbroker Australian lending center, the website introduction looks good so I filed an application and the next day we had little conversation, I made it clear what sort of loan I need which is low doc personal loan however she sent me a link to some lender which they don’t even do low doc loan product, so wasted a day and the she suggest me refinance my house, I mean seriously? I want a quick easy loan not refinancing then another weeks of drama anyway then I went through 5-6 more broker and lenders none of them can help, I got no default just but 1 time late payment, so I got stuff around 5-6 weeks by all lenders and brokers, and lastly I had EBROKER CONTACTED me promptly, I almost couldn’t be bother to get the loan anymore, but I thought just give last try since that Ebroker so actively looking for me, and I couldn’t believe how easy the transaction was, only took less than half day and signed 2 documents and I had unconditionally approved, it was like miracle to me, and I did some research online make sure they are not scam or anything, after signed my last documents pretty much able to access the funds in 2 working days .

Takes no time to be registered a company and ABN, very easy questions, very well

1st I got a someone call me back and asked me bunch of personal info, I have mentioned that I need a bad credit low doc personal loan, and I told her I had defaulted 3 years ago but all sorted, and the phone operator didn’t really care what sort of loan I was after, didn’t give me a chance to ask her one question, all she did was instructed me press the link to a finance company, so spent another 30 mins filled out the online form, and they ask me for fully documents of my bank and income, so really what have they really help me ?? Fxxk all, and then I contact another place call bad credit loanss, actually same company, same girl that was talking to me, they end up suggested me to refinance my house to another financial institutions roughly takes 2 months settlement, all they want is your house to refinance with them, they just capable to offer any bad credit loan at all, so don’t waste your time there, they sound really promising but they just give you fake hope.