Acala Dharmapala

Wrong sizes, Do not fit properly.
I was out of town when product arrived.
Once I tried it I realized that it's not comfy and does not fit properly.
they Refused to exchange or return new items.
Now I have clothing that I cannot use.
Nothing but a headache.
If you want to avoid dealing with issues, never buy from them.
Product is not good of the quality is appears on the website, and items not comfortable and you can't exchange, so it seem like you are getting a deal, but mainly you are going to be screwed most likely and will buy yourself nothing but a headache.

Appears like another UK Forex trading SCAM
Company just started 6 month ago. Had no reviews. I called them, and they quickly want your money with offering money back guarantee however you can only charge back your card up to 28 days. Their website does not reveal company address or who owns the company. I asked them to provide to me info of where I can find registration of their company and to be able to vet them of who the owners are and who am I going to deal with, however guy flipped out and refused to provide such info. Also I have asked them to provide track records of the trading system that they are pitching in order for me to be able to review the trades, and guy I spoke with refused to provide it and pretty much hung up on me. I would not trust your money to someone who is acting like that. Super fishy.
I wrote to main support and ask someone in charge to give me a call back, but they simply ignored me, so it says all about these cats.
They sweet talk, and promise mountains of gold, and once you give them your money, you probably will never see it again in addition to loosing on the trades.
They have no credibility, no track record to review, refuse to provide registration and company owners names and no business location is provided either.
If you want to risk your money with someone who hides from you, who refuse to provide info in order to be vetted properly, and hang up on your once you ask them basic vetting questions.....its up to you, but I surely would not trust those guys.

BEWARE OF PREDATORY LENDER!
BEWARE! Bait and Switch predatory lender! I have mid 700s scores and established business credit, sufficient verifiable income, and somehow I was not approved for 12 years term loan for a small amount and was offered $25k loan with $350 per day payments to pay back $38k in 6 month. That is over 200% APY. Even worst credit cards have 27% to 35% apy, but 200% it is something new.
Most review here showing people are so happy with terms....you got to be kidding me...lol. Either people are stupid, desperate or these are simply fake reviews. Either way I would not trust any lender who uses bait and switch tactics and who is predatory by nature.

Buyers stay away!!!
Buyers stay away! This ohio brokerage is not competent representing buyers.
I worked with few agents at serenity realty such as realtor Eric Korzeniewski and have lust $1260 because of his incompetence and the way he structured the contract for me. Surely he did not protect my interest. His manager realtor Patrick Kijowski does not care if clients get hurt due to agents lack of competence so I would not trust him either. The brokerage model seems like are simply to use the buyer in order to get the commissions and they don’t care or competent about helping the buyer.
I worked with realtor George Williams and have lost $650 inspection money and my time because seller misrepresented on sellers disclosures and George Willams did not have my back as buyers agent. He was clueless all through out she did not disclose condition of the property even though he knew about it.
His manager was constantly trying to make the deal difficult.
Serenity realty of ohio just want to use buyers for Commisions and do not offer any good advice or service and most likely you’ll be better with another agency as I have only experienced headaches and losses with this company.

BEWARE OF PREDATORY LENDER!
BEWARE OF PREDATORY LENDER!
BEWARE! Bait and Switch predatory lender! I have mid 700s scores and established business credit, sufficient verifiable income, and somehow I was not approved for 12 years term loan for a small amount and was offered $25k loan with $350 per day payments to pay back $38k in 6 month. That is over 200% APY. Even worst credit cards have 27% to 35% apy, but 200% it is something new.
Most review here showing people are so happy with terms....you got to be kidding me...lol. Either people are stupid, desperate or these are simply fake reviews. Either way I would not trust any lender who uses bait and switch tactics and who is predatory by nature.

SCAM COMPANY!!! Stay away!!! SAVE YOUR MONEY!!!
SCAM COMPANY!!! Stay away!!! SAVE YOUR MONEY!!!
I've been with this company for over 3 years and had multiple properties under warranty, and every large claim got denied. They are liars and do not cover normal wear and tear. They do not cover major components. I was paying the around $65 per policy for 2 policies and $85 for one more. That is $215 per month. When my AC broke after 16 years in service which is way past FL life span for AC they denied the claim even though my AC person stated its normal wear and tear. It was 3rd AC claim they denied and I had to pay for 3 AC claims, water heater and fridge all out of pocket in addition to paying monthly premiums and in addition to $85 service call which they pretty much use Sears service center for that. you will spend about $1000 or more per year on premiums and basic service calls, and you can count on paying for all major repairs out of pocket because they do not cover anything. They dont cover corriosion of water heater tank, corriosion of AC units and those are the main reasons those die. When you are dealing with water for 15 or more years your units will get corrosion and die, and that is normal wear and tear, but CHW do not cover it. They just cover some electrical components, which you can get sears to fix for a reasonable price or get someone from task rabbit for $30 to $40 per our plus parts.
When my $1000 fridge broke they said they will only cover $400 because they said that is how much they can buy it for, so I asked please buy me one for $400 or tell me where I can buy it, and they blew me off. SCAM, SCAM and MORE SCAM!!!
I am a property manager so I suggest, just to set $100 to $150 per month and build a budget for few years in the special account and if things break, you will be able to afford it to fix it ,but do not count on any warranty companies, because they are fake and scam and it will cost you TWICE the amount, because you will end paying out of pocket for repair plus paying for premiums and plus paying $85 for service calls. DO THE MATH!

If they screwed you, you can file suit without attorney at small claims court and even for free if you do not have much income and indigent. If you can get letter from professional AC or plumber person that those are normal wear and tear then you might even win, and get your money you spent for repairs or you can request for a full refund of all premiums and service call charges plus court costs if any.
They will have to pay attorneys to show up to courts, and even if you dont win it will hit their pocket, so those greedy and evil bosses of choice home warranty will feel the pain.
And spread the word and warn others, not to use this scam company.
Best of luck people and do not deal with CHW unless you need headaches and want to loose your money!!!

Choice home warranty is a SCAM COMPANY! STAY AWAY!!!
I had 5 policies with them for my properties for over 3 years, and all major claims were denied. They covered some small claims which I could of fixed for the same amount of money if taking into consideration $85 service call and monthly premium.
3 of my ac claims were denied even though it was normal wear and tear.
Fridge claim they only covered half.
2 water heater claims denied.
Pretty much I spent over $6000 in premiums plus $1000 in service calls and ended up replacing the systems myself and spent another $6000.
They find excuse to deny all major claims, and have arbitration clause, so you have to spend thousands just to fight them on it.
Looks like they have many fake reviews as well.
STAY AWAY IF YOU DO NOT WANT TO BE SCREWED!

Buyers stay away! This ohio brokerage is not competent representing buyers.
I worked with few agents at serenity realty such as realtor Eric Korzeniewski and have lust $1260 because of his incompetence and the way he structured the contract for me. Surely he did not protect my interest. His manager realtor Patrick Kijowski does not care if clients get hurt due to agents lack of competence so I would not trust him either. The brokerage model seems like are simply to use the buyer in order to get the commissions and they don’t care or competent about helping the buyer.
I worked with realtor George Williams and have lost $650 inspection money and my time because seller misrepresented on sellers disclosures and George Willams did not have my back as buyers agent. He was clueless all through out she did not disclose condition of the property even though he knew about it.
His manager was constantly trying to make the deal difficult.
Serenity realty of ohio just want to use buyers for Commisions and do not offer any good advice or service and most likely you’ll be better with another agency as I have only experienced headaches and losses with this company.

BEWARE OF PREDATORY LENDER!
BEWARE! Bait and Switch predatory lender! I have mid 700s scores and established business credit, sufficient verifiable income, and somehow I was not approved for 12 years term loan for a small amount and was offered $25k loan with $350 per day payments to pay back $38k in 6 month. That is over 200% APY. Even worst credit cards have 27% to 35% apy, but 200% it is something new.
Most review here showing people are so happy with terms....you got to be kidding me...lol. Either people are stupid, desperate or these are simply fake reviews. Either way I would not trust any lender who uses bait and switch tactics and who is predatory by nature.

BEWARE! Bait and Switch predatory lender! I have mid 700s scores and established business credit, sufficient verifiable income, and somehow I was not approved for 12 years term loan for a small amount and was offered $25k loan with $350 per day payments to pay back $38k in 6 month. That is over 200% APY. Even worst credit cards have 27% to 35% apy, but 200% it is something new.
Most review here showing people are so happy with terms....you got to be kidding me...lol. Either people are stupid, desperate or these are simply fake reviews. Either way I would not trust any lender who uses bait and switch tactics and who is predatory by nature.

BEWARE! SCAM SITE! This company is fake and fishing for your info. They are not even from united states. They show that they are from California, but send you some odd address for Florida when asked for registration. When asking for their number they are asking you for whatsup. They don't even speak good English. Stay away!

My family had 3 accounts with bittrex including business account. Suddenly they request to update verification, even though everything was updated already. Then they locked it with no explanation. I had to interview attorneys to find out what to do about it. Arbitration is the only option, so you would have to pay prob $5k just to fight any disputes, so that is how they rip off many people. I filed official notice of dispute as per their agreement and they have 30 days to resolve, so finally after 60 days waiting on one account and 45 days waiting for 2nd account, they unlocked it and agreed to my request to close the account. Do not trust bittrex or any other exchanges. NOT YOUR KEYS NOT YOUR MONEY. Get a ledger or trezor or any other reputable wallet and do not trust institutions with your money or your crypto.

I have been with bittrex for over 4 years. Over sudden they locked me with no explanation. I am loosing money, because I cannot close my positions or access my account and my funds. All my mother and my life savings are in those accounts. Costumer support is not doing anything. It has been over 30 days with no solutions provided. Not your keys not your wallet. Beware!!!!

Dishonorable and sneaky scam artists.
We bought the casket for $1000. They have disclosed to us that with shipping it will be about $400 extra. Then they tried to run my card for additional $1180 making a total of $2180 and not $1400.
If you do Business with them asked them to provide in writing total bill with all the charges before you pay them a penny. In addition order were supposed to arrive today, but they have not even shipped it. Dishonorable, tricky scam artists in my opinion.

I agree with most negative complains here. It’s a pattern, because Choice Home Warranty running a well masked scam, by screwing and cheating people and making millions by doing so. I have 4 homes coveted with them and All my major claims such as AC and water heater were denied, due to the lack of maintanance, even though evidence shows that my units lasted longer then expected life expectancy and died because of old age and normal wear and tear. They market that they will fix or replace the fridge, but small print states that they reserve the right to pay you cash of the actual cost that they pay. My fridge was not replaced and they paid me only 40% of actual replacement cost, and where do they get such prices?, I don’t know because they do not prove how they arrived with such numbers, and don’t offer sources of where I can buy the fridge at 60% discount. They’ll fix little issues, but anything pricey like AC, fridge or water heater, most likely be denied. They know that most people will eat the s…t, and would not fight back. I also filed claim with attorney general and consulted with attorney. I have 4 polices with them and if I didn’t do the warranty pan I would of saved about $5000, because I ended up paying for repairs or replacement out of my pocket, plus the cost of warranty, so I paid double vs if I were to pay for actual repairs myself from beginning. Is there anyone here who had their AC or water heater replaced? Is there anyone whose fridge was replaced or reimbursed at full cost? I doubt it. I think a class action suite would be a great idea against this company, but keep filing complains with bbb and attorney general, and consult attorney if you have a case for suing them in small claims court. If you indigent or low income, you can file in court for free, while CHW will have to pay attorneys, and most likely jury will be on your side if you can prove that they cheated you. In florida, If you're the plaintiff, you must make a jury trial demand when filing the claim. Otherwise, a judge will hear your case. The fight is not over. Stand up for your rights, and do not allow choice home warranty to get away with their crimes. P.s. I’m think other home or car warranty companies are not any better.