I've been with them for many years. Most of these positive reviews are insiders. Most of the clients that use them inflate their prices to an extreme. When they sell anything direct they inflate their own prices. I've bought several gift certificates only to find 3 months later they were already expired or the company won't honor them. I've known barter clients that sell them thousands of dollars worth of stuff that they basically turn around and give to charity apparently just to inflate their own cash fees. Since they control the barter they can buy as much as they want on barter. The rest of the clients get harassed if they dip into the negative at all. I looked up information on the owners and one of them is a convicted criminal. https://www.azag.gov/press-release/goddard-announces-reimbursement-fund-charity-scam-victims The owner's are constantly suing each other so I can't imagine how that brings any sense of stability to clients. I would not be surprised if they got shut down by some government agency for wrong doing. There has been talk for years that they are being investigate by the FTC but I have not been able to confirm it. I forfeited my account and I stay clear of them.
This is an update I should have posted months ago. They wanted me to gift my remaining balance to charity. Of course the cash fee wasn't going to be waived. Very charitable of them. I asked if I'd get a receipt for my taxes and she stated "I don't think so". Yeah something tells me the charities aren't even registered so you can take a tax deduction.