I spoke to the organization on one occassion and received an answer to my repeated emails once. I set up one account and then another based on the promises received. However, I have received a $121 payment only to see that it was to be transferred but I have not seen it yet. Further, on the other account when I go to log in it fails on the second screen so I can't even access my account. I like everyone else have send numerous, repeated emails getting nothing but the same autoresponder. I have called, waited 15 minutes only to be cut off. This feels like a scam indeed. I have recommended many of my friends to move to GPAL and now I am seriously sorry. I also have filed a complaint with the gov.