COMPLAINT FOR FORTUNE LEARNING SYSTEMS, Las Vegas, Nevada

In December of 2009, I received a call one evening from a Joe Nietto about joining an internet business group called Fortune Learning Systems. About 10 days before this call, I had become involved with a group on the internet called Jeff Jackson or My Profit Site. I thought at the time of the call from Mr. Nietto that he was associated with the Jeff Jackson group. Later I learned that they were two different organizations. Because of my confusion and misunderstanding that I was not talking to who I thought I was, I kept talking to Mr. Nietta. The call went on for 3 hours and lasted past 10 PM CST.
During this lengthy call, Mr. Nietto led me to believe that I could work 5 – 10 hours a week from home and expect to be 100% debt free, build a strong retirement income, and acquire financial independence. He talked about goals for the next 3 months; 6 months, and 1 year; and asked me to write down 10 personal goals for my financial future. I was making notes as we talked. He stated that I could be making $2000- to $3000 in 3 months; $3000 to $5000 in 6 months and $10, 000 a month within a year. He asked me to write down 3 – 5 reasons why I would be a good fit with his company (the name of the company was not given). Then he began to ask me about my debts and assets. (I think he mainly wanted to know about my available credit card funds.) When I asked Mr. Nietto why he was making this opportunity available to me, he indicated that their company wanted “success testimonies.”

He explained how their business principles of: work smarter and not harder; and investing other people’s money would allow me to meet the goals he set for me. He offered to teach me this way of investing by helping me know the secrets of on-line marketing; giving me 6 coaching sessions, and developing a website for this purpose. I could get this help for a price of $3680 with a down payment of $915. He suggested this down payment could be put on my credit card (which he had already figured out I could do). I must have agreed to do that although I don’t remember actually telling him to do so. As it turned out, the card declined the $915. The rest of the fee was apparently assigned to a loan which began coming to me for payment about a month later. The company is called Universal Account Servicing. The original note for $2765 was called an Internet Coaching Installment Contract. It is an 18% interest note requiring $99.96 payment per month. I didn’t even know the name of the company until I received my first bill; and because I wasn’t expecting payment to begin so soon, I asked Fortune Learning Systems (hereafter referred to FLS) to delay my payments for at least 2 months. I am not at all convinced that I ever signed up for the loan – after 3 hours on the phone I was too weary to even remember what he said about my agreeing to such a loan. In a few days I received e-mails from Ivy Capitol instructing me to type my name into their form agreeing with their terms. I thought I was agreeing with terms – not agreeing to a loan. I even got a form saying that the agreement had been notarized. It came from Ivy Capitol Esign Notary
I have noticed that they use various phone numbers and e-mail addresses. For example:
The agreement came from ssd2.yozons.com. There was also [email protected];
Flsbuilder.com, success team ([email protected]; and icicoaching.com. Ivy Capitol sent me a Warranty of Service which basically says they would teach me internet strategies to successfully build an internet business. They gave me 6 months to do it or until I had made my original investment back; but they said they would not make decisions or commitments to me or refund any investments. They have not kept their promises to me and I do not yet have a successful internet business. I have this Warranty of Service on file.

On December 31, 2009 I received a call from a Jerry Kubicki whose phone was 888-514-6020 X 751. He began explaining about establishing a business name and becoming an LLC corporation instead of a sole proprietorship. He could set all of this up for me in Nevada for a price of $1795. I did not have the money to do that, and found out later that I could do it myself almost free. He wanted me to set up everything in Nevada (even my bank account) in order to avoid higher taxes in Texas. I have all the written notes from his call if needed.

My coach finally called me; the call was from Utah. His name was Nick Combs – phone 888-514-6020 X819. He wanted me to get a separate G-mail account and contact Wholesale Match for a free 7 day membership. He also told me to read the information on FLS website and contact Trillion Direct Navigation (for keyword searches) the first 2 or 3 sessions were helpful and he gave me steps to follow to establish the business name, domain, etc. But the sessions grew shorter and shorter – some only being less than 10 minutes. I didn’t feel that he was encouraging me at all and sometimes would discourage me from moving forward. I did some personal time management to adjust my time to allow 10-12 hours weekly toward working on the program. I spent hours on the computer and checking out various local businesses in the niche that we had decided for me to pursue. (Dog, cat and horse supplies). However, even after I spent money to get a domain name, it was never applied to the website that flsbuilder.com supposedly had made for me. There was never a business website completed in my domain name.

In March I was experiencing some physical symptoms which eventually led to gall bladder surgery in June. In April I told my coach that I would need some time off from the program although I still had one coaching session remaining. The flsbuilder.com continued to charge my credit card $39.95 a month for the website which had nothing on it. Finally I realized that 5 months of charges on my credit card had to stop and I put a hold on my credit card account. I tried to advise them that I had to do so because the business was non-existent and I couldn’t continue being charged for a website not in use. The emails that I tried sending in response to their payment messages always came back saying that there was no such address. Yet I got an e-mail from that address everyday for 2 weeks. The address was: [email protected]. I also wrote a message to Nick saying that I was going to stop the payments on my credit card and wanted my charges refunded. I told him that I was quite unhappy with the program because they had not followed through with their promises. His only reply was “let me know when you want to start again.” The letter I sent to him is also attached. I doubt that it ever got to the managers or owners of FLS – I heard nothing from them and I have not wasted my time to call them. I know that I still have one coaching session due to me; but why work with a company that is not keeping its promises.

I just happened to find a complaint for FLS and Ivy Capitol when I googled FLS and read that others were also complaining and loosing money-even more than me. (I know $975 is not as much as others have lost; but for me its money I didn’t have to loose.) I e-mailed the complainer and he sent me back information about places he went to post complaints in government agencies. He told me there were at least 40 others who had been scammed by FLS. I am concerned that he Universal loan which I am refusing to pay will hurt my credit. I called them and left them a message that I wasn’t going to pay them for a company that is a scam.

I am sending you this letter of explanation, hoping that I have covered all the details that you need to get Fortune Learning Systems, Ivy Capitol, FLSbuilder, Wholesale Match and Universal Account Services known to the public as a fraudulent group of business people. I don’t know if there is any way to get a refund of my losses, but I need your help to try.
I have lost money for the following:

$199.75- - - to flsbuilder.com for a website – which was charged to my Capitol one credit card
$399.00- - - to Wholesale Match, who I now understand is part of the FLS scheme.
$ 204.92 - - to Universal Account Services – two payments before I found out about FLS scam
43.48 - - to “Go Daddy” for 2 domain names (I also lost $115.40 that I spent on my own to get help with a business account and EIN number.) I know others have lost much more then I have.

I still do not have a business set up on the web and no income, because this shrewd bunch of crooks promised so much and delivered so little. I am a single female senior citizen, finding it hard to live and support myself alone in this difficult economy. I thought a home-based business would help me to meet my needs; since staying at home would work better for me. I was not really looked to be a rich woman; just get out of debt and have a comfortable living. I am still very experienced in computers, typing and selling; but employers don’t seem to honor experience anymore.

Frances S.