Complaint Review: Melissa Armo AKA The Stock Swoosh breached her contract under the UCC Article 2 - New York New York

         On July 24th and 25th 2021; I attended Melissa Armo d/b/a The Stock Swoosh "Golden Gap Course". My debit card was charged $7499.00; The class was scheduled to start at 9am prompt an after 15 minutes, the online class started, for the next five hours Melissa the Moderator proceeded to explain how her system is supposed to work- she said they were 26 points to her system and claimed it has never failed in 13 years. In total Melissas’ class should take no more than 2-3 hours at tops. if that much- the rest of the time is filled with dead air, with her just winging it and talking to past time. 

After an hour and a half of listening to her talk and show slides of houses in the Hamptons and other places in NY showing us places for rent for $58,000 a month; she talked about Covid and other random topics and places she wanted to move too with a few slides in-between some charts, she tried to explain how this system works; at that point I realized this a total waste but I would give her the benefit of the doubt as it was still early in the day and I still had another full day tomorrow with her online. 

And for the next five hours , she proceed to talk about her course and why it has never failed, showing some charts , talking very fast and no handout to follow; At one point I typed in the chat, that I did not have a handout and requested one - and she never responded back to me so It was at that point again, that I realized that Melissa expected me to remember everything she was saying as , and it was yet another ah-ha moment for me that I saw through the scam- and the UCC Violation.

The next 24 hours was most of the same non-sense from the previous day, but she made certain representations that once you get into the trading room on Monday, you would have a spectacular day trading and that I would make my money back because her system was fail proof and the market was going down - and since her system was centered around shorting stocks, I had nothing to worry about. At one point she claimed that her system has over a 90% accuracy rate, - I shook my head and laughed. 

Melissa provides no PDF handouts, no emails, no course books, no text messages, no communication, no goods or any materials that I could go back and later study if I forgot and this violated the Uniform Commercial Code on interstate commerce. It was at that moment that I realized that I paid for "AIR" absolutely nothing of value was exchanged by Melissa to me; now on the other hand, I handed this total stranger who professes that she is a professional $7499.00 and received absolutely nothing in exchange.

On Monday 7/26/21 I logged into the trading room and saw that I was the only person in the room- Cathy Meyer of Hotcomm.com; Melissa's IT person, said that I cannot see the other participants, or even see the questions in the chat from other participants. Another red flag that this trading room is in violation of the UCC -. How are we supposed to interact with other students if Melissa is blocking others from asking questions- it was at that point once again, that I saw Melissa's scam, she must control the content of the room, she provides no tangible materials, no real goods or services are ever exchanged by her because she would be liable for misrepresentations she makes. And by not actually providing any materials, she is sheltered from lawsuits or criminal prosecution because no one has any evidence of the materials -because she doesn’t hand out anything that can and will be used against her in a court of Law.

  I have found several other similar complaints, and all have said that Melissa said she will never give refunds, this woman believes she is above the Law, and something must be done to reprimand her and make all the students for the past 13 years who have suffered losses by the hand of Melissa whole again. 

I called Melissa and asked for a refund because she provided no real value, no course materials, no goods or services and just took my money; she said she has a 100 percent success rate on not-refunding money and she would not refund me, I told her that her streak was about to come to an end. She then later claimed that I threatened to breach my contract.

Melissa will go right into defense mode and will say and use anything to avoid giving a refund, as this is how she gets people to back off. Most people will never come forward because Melissa is good at making them go away. I told her, I have read all the past complaints from the others and that I would contact the FBI and the NY/FL State attorney general to file a formal complaint that she is violating the Laws and she said is there anything else, I can do for you Stephen, and I said please stop doing what you’re doing Melissa.   

I believe from what I have found out in my investigation that Melissa maybe working with a bigger organization and the fake reviews she post combating all the claims from other sites, like “Rip-off Report “ and other as they are being monitored and, and she quickly squashes the negative reviews.

Melissa continues to send me spam soliciting to offer to buy another one of her courses to this day. No thanks!