Complaint Review: Wellness Program Services LLC dba Trusii - Davie FL

In August 2017, I signed up to do a 3-year case study through a hydrogen water company called Trusii.  In order to qualify, I had to fill out an online Case Study Agreement and financed the machine through United Midwest Savings Bank for $8,385.12.  Trusii agreed to send a $240 check 5-10 days prior to the due date of the finance payment. Starting in 2019, the checks started arriving later and later every month until they eventually stopped.  Every time I have approached the company regarding why, I am met with a different excuse in an attempt to delay payment. In hindsight, I am clearly involved in a Ponzi Scheme.

I am going on 6 months without a check from Trusii, which means I am going on 6 months without being able to make a payment to the bank.  In early July, I emailed the bank to see if there was an option to defer my loan until I could find out what was going on with Trusii. They informed me that, “UMSB financed installment loans originated by Wellness Program Services, LLC dba Trusii, including your loan, for purchasing hydrogenated water treatment equipment.  UMSB was not involved in any way with a separate agreement for payments from Wellness Program Services in exchange for participation in a home case study/feedback program. Our financing was solely related to the equipment you purchased; we cannot assist you with an unrelated agreement you had with Wellness Program Services, LLC dba Trusii.  We are sorry to hear about your problem with the feedback program with Wellness Program Services, LLC dba Trusii, but the payments will remain due at this time. We appreciate bringing this matter to our attention.”

This was the first time I’d ever heard of Trusii going by another name and by this time, I had learned about a secret Facebook group that was started by a former co-owner of Trusii, William Kuo.  When William learned that something fishy was going on with Trusii, he parted ways and made it his mission to help the clients that Trusii was scamming by starting this Facebook group. As of today, there are 542 members in the group that are going through the same nightmare and we are all trying to figure out how we are going to pay off or get our loans forgiven if Trusii isn’t paying out what they promised.  

As far as I am aware, there are 5 or 6 banking institutions that are involved and are basically telling their customers, “Sorry, you’re still responsible for your loans.”  I guess I don’t understand how there is nothing in place to protect the consumer when there is obviously some serious fraud going on. Just from the research I’ve done, it sounds like fraud is their full-time job and they’ve owned many other companies and just keep doing the same thing over and over.  There are upwards of 1000 of these machines in circulation and the company is still operating. They are ruining people’s lives. It’s not right.

Trusii has been playing a shell game with me for months, they’ve changed the requirements several times since I’ve been in the study, just so they can come back and say that that people are being “non-compliant”.  They have threatened immediate termination from the case study if they learn that a participant is involved in the secret Facebook group or if they learn that a participant has contacted a lawyer or their Attorney General.  If anyone posts anything negative, even if it’s the truth, on their social media posts, which is one of the monthly requirements, they are asked to remove it or they will be removed from the case study.

I am interested to find out how I am protected as a consumer against United Midwest Savings Bank, in a fraudulent situation such as this.  I in good faith, I agreed to participate in this case study with the understanding that I would be getting paid $240 from Trusii every month so that I could make the finance payment.  In doing so, I would also complete my monthly agreed upon requirements, which I have done. If Trusii is involved in fraudulent practices, where does that leave me as a consumer, especially if UMWSB isn’t willing to back up and try and defend their customers by carrying out their own internal investigation.  I live paycheck to paycheck and can’t afford to make that payment. I am currently 6 months behind on making payments and in the meantime, I am getting no support from the bank, yet they still continue to harass me via email trying to get me to sign a new contract offering me 0% interest for the remainder of the loan.  In the meantime, my previously perfect credit continues to go down the toilet.

In the meantime, I am stuck with a machine that isn’t producing the amount of hydrogen that it claims to produce.  With all the people out there that have opened up their machines and have found mold, I’m afraid to drink the water because I already have enough health problems as it is and don’t need this on top of it.  My machine has a constant drip, so I have to empty the tray every other day so it doesn’t ruin my floors.

When I originally signed up to do the case study through Trusii, the loan terms and conditions of the loan were never made clear.  I was never given full disclosures and was just told to click and submit. Nothing was ever explained to me about the Truth in Lending statement.  No copies prior were provided to me of this agreement. I was not offered a cancellation period. It is obvious to me that this is unlawful lending practices by both parties.

Another issue I have that remains to be answered is regarding the Assignment By Seller page of the contract.  When I signed this contract, I was of the understanding that all of the information contained within the contract was TRUE.  Now that we know this is not the case and that Trusii is clearly a Ponzi scheme and that these people are defrauding hundreds of people and banks out of money and that the Trusii representative who signed my contract likely doesn’t even exist, wouldn’t that nullify my contract?

I owe roughly $3,000 on my loan and I don’t know whether it’s worth it to hire an attorney if I can’t even afford to make the payments on my loan.  At this point, I am at the mercy of my state and local authorities to serve justice to these dirtbags and I am prayerful that there is some sort of protection in place for consumers like myself to get the banks to forgive these loans.