Once you have purchased supplies and have done work, company often decides not to pay you because your work does not meet certain "standards." You are then left with merchandise that is difficult or impossible to sell.

If you have spent money and time on a work-at-home program and now believe program may not be legitimate, contact company and ask for a refund. Let company representatives know that you plan to notify officials about your experience. If you can't resolve dispute with company, file a complaint with following organizations:

The Federal Trade Commission works for consumer to prevent fraud and deception. Call 1-877-FTC-HELP (1-877-382-4357) or log on to:

http://www.ftc.gov

Also contact:

* Your state's Attorney General's Office. * Your local consumer protection offices. * Your local Better Business Bureau.

* Your local postmaster. The U.S. Postal Service investigates fraudulent mail practices.

* The advertising manager of publication that ran ad. The manager may be interested to learn about problems you've had with company.

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"People have not received their loan, nor have they had their money refunded," BBB in Houston states. Consumers in Texas, Oklahoma, Florida and other states have been targeted.

BBB staff members have confirmed that there is no business by name of Kirkland Russell and Thomas at company-provided address in Houston. The Council of Better Business Bureaus sent a letter to KRT Financial Group regarding BBB trademark infringement and false advertising; it has not received a response.

The BBB warns individuals and businesses not to pay in advance for a loan and to never send personal financial information to unknown businesses.

BBB members in Arkansas, California, Georgia, Kentucky, Louisiana, Minnesota, Nebraska, Nevada, Ohio, Texas, Utah, and Washington have reported that they were contacted by an individual posing as a BBB employee.

The callers generally claim to be phoning about a BBB complaint or to "update" BBB files. They attempt to solicit information that is not normally required in order to conduct business with or be a member of BBB. The callers ask for names of various managers (the head of finance or information technology) and number of work stations at that business location. Businesses have reported that callers became rude and used threatening language when questioned about BBB’s need for such information or nature of complaint.

The callers leave a 1.800.CALL.BBB (225-5222) as their contact phone number. That phone number, which is NOT owned by BBB, is constantly busy. Some businesses report that caller gave name "Dave Sebastian". Other names that have been used are Claude Ashley and Frank. One caller spoke with a foreign accent.

"Businesses need to be aware that any representatives from BBB would clearly identify themselves and leave a working phone number. We seek voluntary cooperation of businesses to resolve disputes and would not hesitate to provide details concerning a complaint," Hunter said. "If you receive a call from anyone representing BBB and are unsure as to their authenticity, we urge you not to disclose any information and to contact your local BBB immediately."

Dean Phillips is an Internet marketing expert, writer, publisher and entrepreneur. Questions? Comments? Dean can be reached at mailto: dean@lets-make-money.net

Make Money Online! Internet marketing expert, Dean Phillips will teach you how to make money online, starting today...Guaranteed! For details just visit my website.

Website: http://www.lets-make-money.net