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Consumers were promised huge earnings but the results were similar to most multi-level-marketing schemes

By Truman Lewis Consumer News: FTC cracks down on IM Mastery Academy founders in https://www.robinspost.com/news/images/banners/consumeraffairs-vector-logo-2023.png.2 billion fraud case of ConsumerAffairs
August 8, 2025
  • Three defendants will pay $2.5 million to settle FTC and Nevada allegations over deceptive earnings claims tied to a financial training MLM scheme.
  • The group, operating under names like IM Mastery Academy and IYOVIA, targeted young people via social media with promises of luxury lifestyles.

  • The FTC says the scheme caused more than $1.2 billion in consumer harm since 2018.


Three key figures behind a sprawling financial training and alleged multi-level marketing (MLM) schemeonce known as IM Mastery Academyhave agreed to pay $2.5 million to settle allegations brought by the Federal Trade Commission and the state of Nevada. The regulators say the trio used deceptive income promises and glamorized social media marketing to lure consumersespecially young adultsinto buying financial education packages and joining a recruitment-driven business opportunity.

The defendantsGlobal Dynasty Network, LLC, Jason Brown, and Matthew Rosawere top earners and promoters of the program, according to the joint federal-state complaint. The companies and individuals operated under a variety of names, including IYOVIA, IM Academy, iMarketsLive, and IM Mastery Academy, and promised participants the opportunity to profit through forex trading and crypto education, along with lucrative commissions for recruiting others.

In reality, the FTC says the business relied on exaggerated or baseless income claims, with few consumers making real money. Since 2018, total consumer losses linked to the scheme have exceeded $1.2 billion, the agency alleges.

Luxuries, lies, and MLM profits

Brown and Rosa, described as among the highest-paid promoters in the scheme, allegedly pocketed more than $36 million in profitsmost of it funneled through their company, Global Dynasty Network. The FTC says Brown even hired a third party to post fake positive reviews online under a pseudonym to boost the companys image.

Their promotional strategy relied heavily on aspirational lifestyle marketing, including posts on Instagram and TikTok showcasing luxury cars, international travel, and high-end shoppingimplying that these were funded by trading gains or MLM commissions. In reality, many participants lost money or failed to earn back their initial investment.

The defendants also trained other marketers to make similar deceptive claims while avoiding detection, the complaint says.

The terms of the settlement

Under the proposed settlement, the three parties are barred from making earnings claims about any product or service unless they have written evidence that the results are typical. They are also permanently banned from:

  • Misrepresenting earnings or product performance in any business they operate or promote.

  • Violating the Telemarketing Sales Rule, including false claims about profitability.

  • Offering negative option services (subscriptions that renew automatically) without clear disclosures and affirmative consent from consumers.

While the judgment against the trio totals $36 million, that amount is suspended after they pay $2.5 million, based on their reported financial condition. If they are found to have misrepresented their finances, the full amount could become due.

A broader warning on MLMs

The case underscores ongoing concerns about deceptive marketing in the MLM and financial education spaces, particularly those that promise wealth through crypto, forex, or online investing. The FTC has been increasingly aggressive in policing such schemes in recent years, including actions against companies like Success By Health and Digital Altitude.

Consumers are urged to approach MLM and trading education opportunities with caution, particularly when high earnings claims are not backed by clear evidence, and when profitability appears tied more to recruitment than actual product value.


Tip: Always verify earnings claims before buying into a business opportunity. If someone flaunts luxury goods as evidence of success, ask for documentationnot just Instagram posts.




Posted: 2025-08-08 15:37:54

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Consumer News: Anti-sunscreen movement raises concerns among health experts

Sun, 10 Aug 2025 19:07:07 +0000

Latest social media advice: skip the sunscreen. Experts disagree.

By James R. Hood of ConsumerAffairs
August 10, 2025
  • A growing number of social media influencers are promoting going without sunscreen, citing distrust of chemical ingredients and federal oversight.

  • Dermatologists warn that avoiding sunscreen dramatically increases the risk of skin cancer, one of the most common cancers in the U.S.

  • Public health officials say there is no scientific evidence that FDA-approved sunscreen ingredients are harmful, but plenty showing sunscreen reduces cancer risk.


A small but vocal movement questioning the safety and necessity of sunscreen is gaining traction on platforms like TikTok, Instagram, and YouTube and dermatologists say it could have serious public health consequences.

In one viral TikTok, a woman announced she had stopped using sunscreen entirely. On Instagram, a man claimed that gradually increasing sun exposure without sunscreen could boost immunity. Meanwhile, YouTube creators are pushing DIY natural sunblock recipes using oils, butters, and other household ingredients.

These messages directly contradict decades of research showing sunscreens role in preventing skin cancer, premature aging, and sunburn. The American Academy of Dermatology recommends daily use of broad-spectrum sunscreen with SPF 30 or higher, even on cloudy days.

How sunscreen works

Sunscreens are generally divided into chemical and mineral varieties. Chemical sunscreens, using ingredients like avobenzone and oxybenzone, absorb ultraviolet radiation and convert it into heat before it reaches the skin. Mineral sunscreens typically zinc oxide or titanium dioxide physically block UV rays. Both types have been deemed safe by U.S. health authorities, though some wellness influencers continue to question their safety.

Skepticism about sunscreen mirrors a broader mistrust of conventional health guidance, fueled in part by figures aligned with Robert F. Kennedy Jr.s Make America Healthy Again movement. Supporters have raised concerns about chemical absorption and pointed to animal studies involving high doses of sunscreen ingredients studies experts say do not translate to real-world human use.

What the science shows

Health experts point to robust research proving sunscreens benefits. An Australian trial that followed more than 1,600 people for a decade found daily sunscreen users had significantly lower melanoma rates. A Norwegian study found that SPF 15 or higher was linked to a 33% lower melanoma risk.

Ultraviolet radiation is a known carcinogen; there is no debate about that, said Adam Friedman, dermatology chair at George Washington University, in a Washington Post report. Weve had decades of data showing that sunscreen plays a critical role in reducing skin cancer risk.

Some critics note that U.S. sunscreen options lag behind Europe and Asia due to FDA regulatory delays. While other countries approve new UV filters faster, the U.S. has not significantly updated its sunscreen guidelines since 1999. This has prompted some consumers to seek imported or homemade products a practice dermatologists warn against.

Experts stress that while more options and innovation would be welcome, the safest and most effective approach remains consistent: use an FDA-approved sunscreen daily to guard against the suns harmful rays.


Read More ...


Consumer News: Social media isn’t one-size-fits-all—especially for teens with mental health conditions

Sun, 10 Aug 2025 19:07:07 +0000

A recent study shows how adolescents diagnosis types shape their social media experiences

By Kristen Dalli of ConsumerAffairs
August 8, 2025
  • Teens with diagnosed mental health conditions spend roughly 50 minutes more on social media each day.

  • Those with internalizing conditions report more social comparison, mood shifts from feedback, and less satisfaction with friend counts.

  • Externalizing conditions are linked mainly to time spentbut not the same emotional effects seen in other youth.


Concerns about social medias effects on young people are widespread, but most research focuses on healthy teens rather than those already experiencing mental health conditions.

A recent U.K. study led by the University of Cambridge changes that, zeroing in on how adolescents with clinically assessed diagnoses use and feel about social media differently from their peers without such conditions.

The link between social media use and youth mental health is hotly debated, but hardly any studies look at young people already struggling with clinical-level mental health symptoms, researcher Luisa Fassi, said in a news release.

Our study doesnt establish a causal link, but it does show that young people with mental health conditions use social media differently than young people without a condition. This could be because mental health conditions shape the way adolescents interact with online platforms, or perhaps social media use contributes to their symptoms. At this stage, we cant say which comes first only that these differences exist.

The study

The researchers analysed data from the 2017 NHSDigital Mental Health of Children and Young People (MHCYP) survey, involving 3,340 adolescents aged 11 to 19 in England. Importantly, mental health conditions werent selfreported trained clinicians assessed participants via structured interviews with teens, and sometimes their parents and teachers too.

They didnt just measure screen time. The study captured both quantitative and qualitative dimensions of social media use how long teens reported spending online, but also how they felt about it. This included social comparison, mood effects from likes/comments, satisfaction with online friendships, self-control, honest self-disclosure, and authentic self-presentation.

Participants were grouped into those with any mental health condition, and further split into internalizing (anxiety, depression, PTSD) versus externalizing (ADHD, conduct disorders). The researchers then compared these groups to peers without conditions across multiple usage dimensions.

The results

The group with any mental health condition reported spending notably more time on social media on average, about 50 extra minutes a day compared to peers without a condition.

When it comes to emotional experiences, those with internalizing conditions stood out. Nearly 48% reported frequent upward social comparisons online about twice the rate of teens without mental health conditions (~24%).

Around 28% said their mood shifted because of social media feedback (likes/comments), compared with about 13% of peers. They also felt less control over their time, and were less satisfied with the number of online friends, and less able to share honestly or authentically online.

In contrast, teens with externalizing conditions like ADHD mainly differed from peers only in time spent online other engagement and emotional dimensions showed no significant differences.

So many factors can be behind why someone develops a mental health condition, and it's very hard to get at whether social media use is one of them, Fassi said.

A huge question like this needs lots of research that combines experimental designs with objective social media data on what young people are actually seeing and doing online. We need to understand how different types of social media content and activities affect young people with a range of mental health conditions such as those living with eating disorders, ADHD, or depression. Without including these understudied groups, we risk missing the full picture.


Read More ...


Consumer News: Robocall Roundup tracks down, issues warnings to robocallers nationwide

Fri, 08 Aug 2025 19:07:07 +0000

Voice service providers warned that they could be cut off from routing calls

By Truman Lewis of ConsumerAffairs
August 8, 2025

Operation Robocall Roundup launched nationwide this week, as a coalitionof 51 attorneys general sentwarning letters to 37 voice service providers, demanding they immediatelytake actionto stopillegal robocalls from being routed through their networks.

Robocalls are annoying, can facilitate that result in real financial losses for Californians, and can unintentionally cut people off from communication from their loved ones for fear of robocalls. This is a nationwide problem, and we need nationwide solutions,said California Attorney General Rob Bonta.

The providers targeted in todays operation have failed to comply with Federal Communications Commission (FCC) rules about responding to government traceback requests, failed to register in the FCCs Robocall Mitigation Database, or have not filed a plan that describes how they will reduce illegal robocalls on their network. By disregarding rules meant to protect consumers, these companies have allowed robocalls onto their phone networks and have then passed these calls on to other downstream providers until they reach the phones of Californians.

The Task Force will also send these letters to more than 99 downstream providers that accept call traffic from the 37 companies, so that they understand theyre doing business with companies that are not willing to follow the rules.

Additionally, the FCC is taking a close look at several of these companies andannouncedits removal of seven of these providers from the Robocall Mitigation Database, which means that other providers will no longer be allowed to accept and route any calls from their networks.

The voice service providers receiving warning letters as part of Operation Robocall Roundup include:

  1. Advantage Investors LLC
  2. Alpha Stream
  3. Ananya Traders LLC
  4. Ariyan Khan
  5. BBT Voice Private Limited
  6. Belthrough
  7. BPO VoIP
  8. Collection 3 LLC
  9. Communications and Telephone Systems Co.
  10. Dial Vista Corp.
  11. DigitalOcean, LLC
  12. Dtel Network LLC
  13. End Zone Financial Services
  14. EON Telecom Inc.
  15. Family Communication Inc.
  16. Fiber Flux VOIP
  17. First Tele Communications Inc.
  18. Flow VOIP LLC
  19. Globe Tech Solutions
  20. Higher Response Marketing, Inc.
  21. HK KwaiFong Group Limited
  22. Infinity SIP LLC
  23. Lexico Telecom LTD / Lextel LTD
  24. Mexico IP Phones LLC
  25. Nexusphere VOIP LLC
  26. Pleedex LLC
  27. Quantum Link VOIP LLC
  28. Ringnition
  29. SK Teleco LLC
  30. SkyPulse VOIP
  31. Stacy Newsome LNCC LCC
  32. Telnextrix LLC
  33. Terra Voip
  34. TheVisionConnect
  35. Tiera Enterprises LLC
  36. Voip Torque
  37. Whisl Telecom, LLC / Telconus / Telcon US / Telcon Voice

The Anti-Robocall Multistate Litigation Task Force of 51 bipartisan attorneys general investigates and takes legal action against those responsible for routing significant volumes of illegal robocall traffic into and across the United States.


Read More ...


Consumer News: Trump rule could slash SSI benefits for hundreds of thousands

Fri, 08 Aug 2025 19:07:07 +0000

Proposal would cut SSI for disabled people and seniors who receive SNAP food benefits

By James R. Hood of ConsumerAffairs
August 8, 2025

  • Nearly 400,000 older and disabled low-income Americans could loseSSI support under a proposed Trump Administration rule.

  • The plan targets recipients living in SNAP-dependent households, undoing a recent rule.

  • Critics say the move will devastate vulnerable families while saving less than a days worth of recent tax breaks for the wealthy.


The Trump Administration is preparing to propose a sweeping rollback of protections for low-income seniors and people with disabilities who receive Supplemental Security Income (SSI), potentially cutting benefits or stripping eligibility for nearly 400,000 Americans, according to a report from theCenter on Budget and Policy Priorities. The new rule would disproportionately affect recipients who live with family or friendsoften in homes that rely on food assistance programs like SNAP to make ends meet.

According to a 2024 Social Security Administration analysis, more than 275,000 people could see their benefits reducedoften by around $300 a monthwhile another 100,000 could lose eligibility entirely. This comes as part of a broader Republican-backed legislative push that includes deep cuts to Medicaid and SNAP, raising alarms among social policy experts and disability advocates.

Reversing a safety net

At the heart of the controversy is a rule finalized just last year that updated how the Social Security Administration defines a public assistance household. This rule allowed SNAP participationa widely used and rigorously means-tested benefitto qualify a household as financially unable to support an SSI recipient. It reflected modern economic conditions: while far fewer families receive cash welfare today than in 1980, many more now rely on SNAP as their primary safety net.

The Trump Administrations new proposal would roll back that change, reviving outdated 1980 standards and once again disqualifying SNAP as evidence of financial need. That move would subject recipients who live in households receiving SNAP to benefit cuts under whats known as the "in-kind support and maintenance" (ISM) ruleessentially penalizing them for receiving non-cash help like shelter or food.

Advocates warn this would force families to make heartbreaking choices: provide housing for a disabled or elderly loved one and risk slashing their only income, or force them to seek institutional care or homelessness.

The effects of the rule would be immediate.. Take the case of a disabled adult with Down Syndrome living with her low-income parents who receive SNAP. Currently, she receives the full federal SSI benefit of $967 per monthalready below the poverty line. Under the proposed rule, her benefits could be cut by a third simply because her parents provide her a bedroom. That would leave her with less than $700 a month.

On top of the financial toll, families would face a labyrinth of paperwork. Recipients would be required to report any changes in household composition, living arrangements, or shared expensescreating more red tape for the Social Security Administrations already overstretched staff and increasing the likelihood of over- and underpayments.

Administrative nightmare, minimal savings

The Center on Budget and Policy Priorities, which published the report, points out that the expected savings from this rule change would barely cover the cost of a single day of the Trump Administrations 2025 tax cuts for the wealthy. Meanwhile, the administrative burden of implementing the rollbackincluding tracking complex living arrangements and verifying household incomeswould cost the SSA time and resources it cannot spare.

"This rule isnt just cruelits inefficient and wasteful," the report states. "It targets some of the countrys most vulnerable people to save a rounding error in the federal budget."

Advocates are urging the administration to reconsider. "The SSA should build on its recent progress, not regress to standards from a time when todays safety net didnt exist," the report concludes. "Families who are struggling to care for disabled or elderly relatives need more supportnot more penalties and red tape."


Read More ...


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