Saturday, November 7, 2026 · Customer reviews of US businesses
The Fair Hearing score
Excellent
42 reviews
101 FinancialSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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101 Financial (101financial.com) has 42 customer reviews on The Fair Hearing, with an average rating of 4.6 out of 5.
Showing 2 reviews with 1 star · Clear filters
Scammers stay away the charged me 2000 for a test drive when vehicle broke down they agreed to refund me yet still no refund
By Ken B.
Response from 101 Financial· Sep 4, 2024
We are not in the vehicle business, we're a financial education company. Obviously, this is not a review of 101 Financial! We have a money-back guarantee.
This is basically a multi-level marketing scheme. We paid 101 Financial $4k to basically give us a spreadsheet to keep track of our income and expense (nothing groundbreaking) and to tell us about a personal line of credit and a home equity line of credit (HELCO). They talked us into putting our ENTIRE mortgage into a HELOC and it wasn't until we went through the lengthy process of paperwork and appraisal, that we sat down at the bank officer's desk and he told us it was only locked in at 3% for 3 years then we had to find another HELOC because the interest rate would skyrocket! We were locked into a mortgage with Wells Fargo in 2020 at 3% for 30 years and now we are facing refinancing our HELOC next year when the interest rates are nowhere near 3%! Major mistake. We should have stuck with our conventional mortgage with Wells Fargo. Our rep at 101 Financial said we would pay off our house much faster if we put it all in a HELOC because more of our payments go towards the principal (not entirely true). Well that might have worked for her, but not for us. The 101 Financial system is very complex and entangling. They preach a one-size-fits-all program for managing your money which is just not reality. We deeply regret making this decision and have not made any headway on our original loan balance bc 101 also said to use credit cards for daily expenses, then pay it off monthly using our income and checking account that is tied into the HELOC, using the HELOC as overdraft protection. It is basically a complete mess to manage. When I told our 101 rep that this is not working for us, she said "Yeah you might have to go back to the old way of banking. It doesn't work for everyone." We paid her $4k for this?!? She offered no guidance or support and just blew us off. I feel very taken advantage of and am now seeking help from a REAL trained money coach with an MBA in finance to get us untangled from this 101 mess. 101 'coaches' are not trained in finances, they are only trained in the 101 system and get paid for everyone who they recruit to get trained under them = pyramid scheme. Whatever you do - don't put your entire mortgage in a HELOC! You can learn about personal lines of credit and HELOCs for FREE on your own and use any basic app or spreadsheet to see what is your income and expense. Don't get taken for a ride by this 101 scam!
By Kili M.
Response from 101 Financial· Feb 20, 2024
Update: We are a trusted company that works with Fortune 200 companies and major healthcare systems. We've been around for over 20 years. We never heard back from this person and can't find ANY complaints of this nature. Sure, our instructors get paid. We're one of the FEW companies that have an ACTUAL PERSON who has been there and done that available for you to work with on demand! That's why trusted companies...trust us! Hello Kili M. Can you please contact us? We don't see you in our system and would like to understand your situation. We strive to have the best training and customer service and don't have a record of your complaint. Thank you.
