I am 65 years old and had been laid off from a position I held for 15 years, due to resourcing of my job. I was desparate to find income and found a job posting advertisements on the internet. Once I had signed up, I received a message to contact a phone number before starting.
This call had nothing to do with the job I had been interested in. It was from Kreative offering to design a web site for E-commerce and training that would make me an "internet sales expert." Apparently they checked and discovered I had good credit. They encouraged me to charge everything to my credit cards and that I should make enough money from my web site in 6 months to pay all this money off, using balance transfers with 0% interest.
Normally I don't fall for scams, especially when it involves a lot of money. At this point, I was vulnerable, and the sales people were very, very persuasive. They require you to act fast and accept the offer and charge your credit card, all done very quickly.
I panicked and cancelled during the next 24 hours. I received a phone call, again from a very persuasive individual, who even brought Jesus into the conversation.
My web site has been active for over 1 year, and I have not made a dime--not 1 cent! When I have asked for help, I have gotten calls from different individuals telling me I need to do this and that. The web site has never worked accurately, and I have spent hours upon hours trying to correct it (even though I paid these people a lot of money to do this for me). I was never able to keep up with inventory and sales because I was always trying to get the web site to look like it was supposed to look.
Finally, I was afraid someone would try to buy something, and it would not be available from the wholesaler. I was also getting some nasty emails from people who had visited the web site and apparently had problems. So at this point, I have deleted everything. Now I am not sure what to do.
I was initially offered a "package," for a hefty price, which I was told later did not have all the bells and whistles I would need to be successful. I felt I had no choice but to upgrade to yet another package, which cost more money. I now have a credit card debt of over $20,000, charges from Kreative.
As for the training, they offer videos and articles to read. If you call and have a question, they will respond promptly and offer assistance. The contract says if you are not happy with the web site, they will build another one. I have expressed concerns a number of times, but each time I have just been told to try something else or it is because I need to do something. The contract also states that any litigation has to take place in Washington.
I am sure everthing they have done is legal. They have crossed Ts and dotted Is, I am sure. I certainly think what they have done is unethical. I have no income and have $20,000 in credit card debt. Before Kreative, I was totally debtfree. I have had to dip into my retirement just to make payments.
I am just waiting for Kreative to tell me that I owe more money for something.
I signed up with Kreative early this year with the purpose of having​ an online business to sell walking sticks​ and canes. Initially they requested $3800 to develop my website, and then later on held out their hands for $11,000 more. This was after they applied for two business credit cards from Chase and Capital One. For clarification, I used my personal Capital One for the initial transaction. Both times with the initial agreement for the $3800 and a subsequent one for $11,000, I invoked the 3-day cancellation clause, and each time after the request was acknowledged by the admin assistant, I'd get a call from a rep who would sweet-talk me in cancelling the cancellation each time. Also I was told that the Capital One card would be interested free for 12 months, but found otherwise with an annual rate of 24 per cent with a limit of $10,000. Presently there is an $8300 balance on the card. The Chase Slate card is interest free for 15 months with a $4300 limit and a balance of $3100. Also for the past two months I've charged $139.99 for the website the past two months on the first of the month. Before the May charge was taken out I'd requested to the admin assistant to take the website down and not be charged. I had gone back to work with a contract company that placed me in a job with a lot of overtime and didn't have time to do the website. However with the latest Capital One, Kreative charged for May anyway against my request. I called their main phone number after hours to express my strong displeasure about it. Recently I received an email from Stephen Wong, the so-called Client Retention Specialist for Kreative. He told me I need to speak with him to try to resolve the issues.
After doing some research I learned Kreative is not BBB-accredited. Also most of the reviews of Kreative were negative with a one-star rating out of five. Furthermore I applied to National Debt Relief to get assistance in resolving credit card balance of over $16,000, most of that with Kreative. At this point I've decided I am through with Kreative, and will do my part card to shine the light of day on their scam. Also I would strongly advise anyone to do due diligence and research before making a leap like that. If my story keeps even one person from making the mistake I made, it will be worth it.
Kreative, Inc. Reviews
I am 65 years old and had been laid off from a position I held for 15 years, due to resourcing of my job. I was desparate to find income and found a job posting advertisements on the internet. Once I had signed up, I received a message to contact a phone number before starting.
This call had nothing to do with the job I had been interested in. It was from Kreative offering to design a web site for E-commerce and training that would make me an "internet sales expert." Apparently they checked and discovered I had good credit. They encouraged me to charge everything to my credit cards and that I should make enough money from my web site in 6 months to pay all this money off, using balance transfers with 0% interest.
Normally I don't fall for scams, especially when it involves a lot of money. At this point, I was vulnerable, and the sales people were very, very persuasive. They require you to act fast and accept the offer and charge your credit card, all done very quickly.
I panicked and cancelled during the next 24 hours. I received a phone call, again from a very persuasive individual, who even brought Jesus into the conversation.
My web site has been active for over 1 year, and I have not made a dime--not 1 cent! When I have asked for help, I have gotten calls from different individuals telling me I need to do this and that. The web site has never worked accurately, and I have spent hours upon hours trying to correct it (even though I paid these people a lot of money to do this for me). I was never able to keep up with inventory and sales because I was always trying to get the web site to look like it was supposed to look.
Finally, I was afraid someone would try to buy something, and it would not be available from the wholesaler. I was also getting some nasty emails from people who had visited the web site and apparently had problems. So at this point, I have deleted everything. Now I am not sure what to do.
I was initially offered a "package," for a hefty price, which I was told later did not have all the bells and whistles I would need to be successful. I felt I had no choice but to upgrade to yet another package, which cost more money. I now have a credit card debt of over $20,000, charges from Kreative.
As for the training, they offer videos and articles to read. If you call and have a question, they will respond promptly and offer assistance. The contract says if you are not happy with the web site, they will build another one. I have expressed concerns a number of times, but each time I have just been told to try something else or it is because I need to do something. The contract also states that any litigation has to take place in Washington.
I am sure everthing they have done is legal. They have crossed Ts and dotted Is, I am sure. I certainly think what they have done is unethical. I have no income and have $20,000 in credit card debt. Before Kreative, I was totally debtfree. I have had to dip into my retirement just to make payments.
I am just waiting for Kreative to tell me that I owe more money for something.
I signed up with Kreative early this year with the purpose of having​ an online business to sell walking sticks​ and canes. Initially they requested $3800 to develop my website, and then later on held out their hands for $11,000 more. This was after they applied for two business credit cards from Chase and Capital One. For clarification, I used my personal Capital One for the initial transaction. Both times with the initial agreement for the $3800 and a subsequent one for $11,000, I invoked the 3-day cancellation clause, and each time after the request was acknowledged by the admin assistant, I'd get a call from a rep who would sweet-talk me in cancelling the cancellation each time. Also I was told that the Capital One card would be interested free for 12 months, but found otherwise with an annual rate of 24 per cent with a limit of $10,000. Presently there is an $8300 balance on the card. The Chase Slate card is interest free for 15 months with a $4300 limit and a balance of $3100. Also for the past two months I've charged $139.99 for the website the past two months on the first of the month. Before the May charge was taken out I'd requested to the admin assistant to take the website down and not be charged. I had gone back to work with a contract company that placed me in a job with a lot of overtime and didn't have time to do the website. However with the latest Capital One, Kreative charged for May anyway against my request. I called their main phone number after hours to express my strong displeasure about it. Recently I received an email from Stephen Wong, the so-called Client Retention Specialist for Kreative. He told me I need to speak with him to try to resolve the issues.
After doing some research I learned Kreative is not BBB-accredited. Also most of the reviews of Kreative were negative with a one-star rating out of five. Furthermore I applied to National Debt Relief to get assistance in resolving credit card balance of over $16,000, most of that with Kreative. At this point I've decided I am through with Kreative, and will do my part card to shine the light of day on their scam. Also I would strongly advise anyone to do due diligence and research before making a leap like that. If my story keeps even one person from making the mistake I made, it will be worth it.