I created a wisebanyan account to set up an IRA. I gave wisebanyan my bank account information to make my first contribution. I was notified I had to verify the account before they would pull the funds off. After a few days of the account not receiving micro deposits, I emailed support to find out why. They told me they did not accept the account I wanted to use for funding.
I had to transfer money from that account to another account to use for my initial and monthly contributions. When I logged back in to wisebanyan, I was not given an option to cancel the $1,000 original contribution (that was authorized on a different account) but was told I have to update my bank account information and then verify it before I can add any contributions.
I updated my bank information as requested and had 2 micro deposits into my new account. I went back on to wisebanyan to verify the account and start the initial deposit over again. Once I verified the account, I was not asked for authorization to pull the funds out of my new account (like I was initially from the other account). I had to transfer money from one account to another (which my bank said wouldn't be available until this upcoming Monday).
Wisebanyan took it upon themselves to take the $1000 from Citizens without confirming it with me first or getting authorization (which I wouldn't have authorized until I knew the money would be available). I was notified this transaction not only put me in the negative, but it also charged me overdraft fees and resulted in my bank rejecting my gas bill payment. I called wisebanyan to explain the situation and spoke with ViJay. I explained to him I did not authorize the transaction on my Citizen's bank and needed a refund. He refused to refund me the money. Then he sent me an email saying they aren't paying my overdraft fees (I never asked them to but to just refund the money). ViJay told me I have to withdraw the funds myself (which is now below the $1000 I contributed) and also being charged a 10% penalty.
This company is very unprofessional and do not own up to their mistakes. Their software has flaws in it. You can't choose to stop a recurring monthly contribution, nor can you cancel a pending contribution. They don't even bother to ensure you're authorizing the payments as you go. I will NEVER use wisebanyan again, and I will make sure the people who told me about them close their accountsa and take their business elsewhere. We don't need to do business with thieves.
On February 14 I ordered a security camera on Ebay. I read the description several times before placing my order and I should have followed my gut instincts when I saw the seller had a 98% positive feedback but I decided to give him the benefit of the doubt. I purchased the camera for $26.77
I received the security camera on February 21. I attempted to sync the camera to my cellphone numerous times and finally looked at the FAQs when the camera refused to link with my phone app. I discovered that the camera was a Chinese version and will only function in Mainland China.
I returned to Ebay to re-read the sellers description to see if I had possibly missed anything. When I clicked on the item I purchased, it was the same camera with a price of $53.53.
I contacted seller and indicated that the camera did not work and requested a full refund and that he NOT charge the 20% restocking fee that was listed on his return policy due to the fact that he did not describe the camera as not being functional outside of China.
Seller was extremely rude and condescending when I asked him what the restocking amount would be (I wanted to make sure IF I HAD to pay a restocking fee that he was not charging me based on the new listed price of $53.53. He advised me that most computers had a calculator but my refund would be $21.00 After I filed a formal request for return, seller agreed to refund my money and said that since I had lied about why I wanted my money back (that the camera did not work) that now my refund would only be $17 because he was now charging me for restocking fee AND postage.
When I advised seller that I was going to involve Ebay in this dispute, he sent me numerous taunting messages.
If you google his name Aaron Luman OR his business VegasSuperDeals and WildBanyan.com, you will see that he has numerous business ventures and addresses, but his phone number leads to all of them. He is a scammer in many different business ventures. BEWARE!!
WiseBanyan, Inc. Reviews
I created a wisebanyan account to set up an IRA. I gave wisebanyan my bank account information to make my first contribution. I was notified I had to verify the account before they would pull the funds off. After a few days of the account not receiving micro deposits, I emailed support to find out why. They told me they did not accept the account I wanted to use for funding.
I had to transfer money from that account to another account to use for my initial and monthly contributions. When I logged back in to wisebanyan, I was not given an option to cancel the $1,000 original contribution (that was authorized on a different account) but was told I have to update my bank account information and then verify it before I can add any contributions.
I updated my bank information as requested and had 2 micro deposits into my new account. I went back on to wisebanyan to verify the account and start the initial deposit over again. Once I verified the account, I was not asked for authorization to pull the funds out of my new account (like I was initially from the other account). I had to transfer money from one account to another (which my bank said wouldn't be available until this upcoming Monday).
Wisebanyan took it upon themselves to take the $1000 from Citizens without confirming it with me first or getting authorization (which I wouldn't have authorized until I knew the money would be available). I was notified this transaction not only put me in the negative, but it also charged me overdraft fees and resulted in my bank rejecting my gas bill payment. I called wisebanyan to explain the situation and spoke with ViJay. I explained to him I did not authorize the transaction on my Citizen's bank and needed a refund. He refused to refund me the money. Then he sent me an email saying they aren't paying my overdraft fees (I never asked them to but to just refund the money). ViJay told me I have to withdraw the funds myself (which is now below the $1000 I contributed) and also being charged a 10% penalty.
This company is very unprofessional and do not own up to their mistakes. Their software has flaws in it. You can't choose to stop a recurring monthly contribution, nor can you cancel a pending contribution. They don't even bother to ensure you're authorizing the payments as you go. I will NEVER use wisebanyan again, and I will make sure the people who told me about them close their accountsa and take their business elsewhere. We don't need to do business with thieves.
On February 14 I ordered a security camera on Ebay. I read the description several times before placing my order and I should have followed my gut instincts when I saw the seller had a 98% positive feedback but I decided to give him the benefit of the doubt. I purchased the camera for $26.77
I received the security camera on February 21. I attempted to sync the camera to my cellphone numerous times and finally looked at the FAQs when the camera refused to link with my phone app. I discovered that the camera was a Chinese version and will only function in Mainland China.
I returned to Ebay to re-read the sellers description to see if I had possibly missed anything. When I clicked on the item I purchased, it was the same camera with a price of $53.53.
I contacted seller and indicated that the camera did not work and requested a full refund and that he NOT charge the 20% restocking fee that was listed on his return policy due to the fact that he did not describe the camera as not being functional outside of China.
Seller was extremely rude and condescending when I asked him what the restocking amount would be (I wanted to make sure IF I HAD to pay a restocking fee that he was not charging me based on the new listed price of $53.53. He advised me that most computers had a calculator but my refund would be $21.00 After I filed a formal request for return, seller agreed to refund my money and said that since I had lied about why I wanted my money back (that the camera did not work) that now my refund would only be $17 because he was now charging me for restocking fee AND postage.
When I advised seller that I was going to involve Ebay in this dispute, he sent me numerous taunting messages.
If you google his name Aaron Luman OR his business VegasSuperDeals and WildBanyan.com, you will see that he has numerous business ventures and addresses, but his phone number leads to all of them. He is a scammer in many different business ventures. BEWARE!!