• Report: #1078805

Complaint Review: Daily Money Team (DMT) and Instant Rewards SCAM ALERT!!

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  • Submitted: Sat, August 24, 2013
  • Updated: Mon, July 07, 2014

  • Reported By: Erin — Florida
Daily Money Team (DMT) and Instant Rewards SCAM ALERT!!
http://dailymoneyteam.com/sleaks, Select State/Province USA

Daily Money Team (DMT) and Instant Rewards SCAM ALERT!! Instant Rewards, Daily Money Team, Instant Money Network http://dailymoneyteam.com/ Nationwide

*UPDATE Employee ..inside information: Comprehensively Challenged

*UPDATE Employee: Instant Rewards Network Is Legit

*UPDATE Employee ..inside information: The Spin tops here

*Consumer Comment: Dear Margo

*UPDATE Employee ..inside information: How could you complain about this company?

*UPDATE Employee: Sponsers

*UPDATE Employee: Im sorry You feel that way but there is NO SCAM

*UPDATE Employee: What's this about jobless people?

*Author of original report: Job requires purchase of 3$ knife worth 100$ ?!?!

*UPDATE Employee ..inside information: How were you scammed and why are you lying?

*Author of original report: Poor rebuttals

*Consumer Comment: Walmart

*Author of original report: Jobless people have to have a Credit Card

*Consumer Comment: Unfair Assessment and Inaccurate information!!

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Daily Money Team, Instant Money Network, are nothing but scammers for the company called Instant Rewards Network.  They lure people in by placing advertisements on Craigslist for a work at home job, no selling, inbound calls, etc.  Then they ask you to watch some very convincing videos that explains how the work at home employee will be placing an ad, answering a phone, and convincing people to sign up for free trial offers.  They also say there is no selling.  That is a bald faced lie.  You are selling something if you are required to use a credit card to sign up don't ya think?  That's why they place the phony deceptive ads for work at home jobs, when it really is a salesperson job that works on comission but that salesperson has to pony up his credit card first.

They get people that need a job to sign up for their trial offers then those people get other people to sign up for trial offers.  Then they explain that you have to keep the trial offer for up to 80% of the trial time before canceling it or else you wont be able to get credit.  They even have a worksheet that you fill out so that you know when to cancel your trials.  They also lie when they say that Walmart, Netflix, and Target is part of their network.  These big companies are not.  Believe me, I would have been much happier signing up with Wal-mart than I would have been signing up for a stupid razor that tore my skin off.   All their trials are garbage magazines, free credit report offers, and other junk trials.  And good luck canceling some of the trials.  They just keep billing you until you close your account.

Stay away from any of these networks unless you want to give out your credit card, sign up for junk that you will never use, and lieing to jobless people.  There seems to be a lot of defenders of this netowrk scam rebutting, however they cannot rebut anything I have said here.  They LIE to lure jobless people in.  They LIE about having Wal-mart, Target, and Netflix.  Finally, they LIE when they say they aren't selling anything.

This report was posted on Ripoff Report on 08/24/2013 08:04 PM and is a permanent record located here: http://www.ripoffreport.com/r/Daily-Money-Team-DMT-and-Instant-Rewards-SCAM-ALERT/httpdailymoneyteamcomsleaks-Select-StateProvince/Daily-Money-Team-DMT-and-Instant-Rewards-SCAM-ALERT-Instant-Rewards-Daily-Money-Team-1078805. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 UPDATE Employee ..inside information

Comprehensively Challenged

AUTHOR: OhReally - ()

The poster seems to have a problem with reading/comprehension. Every single assertion he/she makes has already been addressed to death. If this isn't for you, it isn't for you. Move on. Stop repeating lies, as if repeating them enough will make them true.


1) Nothing is being "SOLD." Nothing. Period. Of course there are deadline dates on trials. Show me any trial offer that doesn't have a deadline. DUH.

2) The ADVERTISER (not the affiliate) MAY, read MAY, charge $1 or $2 to verify that they are paying a referral for a REAL PERSON, and not someone's dog that they signed up fictitiously. A valid credit card is the ONLY and minimally invasive way they can do that. Many charge absolutely NOTHING, ZERO, ZIP, and most sponsors reimburse their referrals for any fees, which seldom amount to $20. How any of this escapes you...escapes me. Even a JOB will likely require that you buy a uniform, notebook, gas to commute or need lunch money every day, and before payday...Where in the name of hell do you think you can start work for NOTHING? You can literally begin making money for NO INVESTMENT AT ALL, with this company. How is this a scam?

3) Ads for employment or business opportunities are generally targeted toward people who are not working. How is this a conspiracy? Anyone who would begin this venture thinking they are starting a job for hourly pay was either egregiously lied to or a complete idiot, who has never heard of Google.

4)Although the more than 100 advertisers change regularly, just as they do on any advertising forum, every, single one of the companies that have been allegedly lied about here have been and ARE on a regular basis, advertised on the IR network. The assertion that ANYONE IS REQUIRED to buy a knife (or try anything they don't want) is so ridiculous, it is glaring evidence that this is the work of a TROLL. Do you really think anyone is going to believe that? Try to keep your lies at least somewhat in the realm of reality. They'll be more believable.

5) This is a work at home opportunity that requires ZERO to maybe $20 TOWWWWWWWWTAL to get started. Again, many recruiting sponsors reimburse their referrals for any fees. If this is a scam, its a really stupid scam fo whomever is trying to get over. The ONLY way IR or anyone involved makes any money is supporting others' success. Not a very good scam model.

6) Having been in sales/marketing my entire career, I can tell you that in nearly EVERY organization, Sales Managers receive over-rides/commissions/bonuses on the productivity of their team members. Guess what, that does NOT make them an MLM.

Ok, so you got 'em. This is a big, fat, clandestine scam and scheme to give people a totally FREE business opportunity. They're shamefully guilty! So guilty, I began having $1000+ earning DAYS within 3 months. Yes, I worked my butt off, and I did not operate under the assumption that my phone would magically ring with no effort on my part. My investment to get started=ZERO! Someone call the cops, I may have been hookwinked AND hornswaggled right into success.

There will ALWAYS be people who want something for nothing, can't follow even basic training instructions, are not accountable for their actions, ever (and don't cancel offers they don't want, etc.) and are just plain jealous that some people take the ball and run straight to the goal, while they sit on the sideline whining.

This is an opportunity, like any other. It may or may not be for you. You may or may not make anything of it. It is not, however, by any stretch of the term, a scam. Those saying so are lying, for whatever reason. As I write, there are tens of thousands of agents, maybe hundreds, in affiliate marketing. Some are making major money, some are doing nothing...just like realtors or hair stylists or any profession. If this were a scam, every scam buster site would be crashed with angry complaints. Those complaining have personal issues or are just plain lying. There is no payoff for me in saying this to you. I just can't stand a liar.

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#2 UPDATE Employee

Instant Rewards Network Is Legit

AUTHOR: JJ Banks - ()


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#3 UPDATE Employee ..inside information

The Spin tops here

AUTHOR: nospinmarketing - ()

Susan and the other people who wanted to know that this is a scam nor not. It is not a scam and i have inside information that can help you explain more about this. I train etc and do things that most people do not do. You succss is my sucess I would love to speak with any of you out here wanting more information about this besides showing the person in it is making money. I expose a lot of things that will save you lots of time and frustration.


If you would like to speak to me more about this and I will answer any questions you have.


Connect with me facebook.com/FFPS2012


seeya at the top!

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#4 Consumer Comment

Dear Margo

AUTHOR: Susan - ()

 Dear Margo,


I have asked my sponsor the following questions, but she evaded the questions in answering them. She answered them just like a scammer would, instead of directly addressing what I asked.


Perhaps you could answer them? Thank you. I am not out to prove your company is a scam. I am at the beginning of my career in marketing, and am self-employed, and saw this opportunity as a potential solution to my current cash-flow difficulties. I just want to make sure my reputation will not be destroyed by joining your company. So far, it looks I probably would destroy my reputation, especially because I know about advertising a job versus a business opp. It is false advertising to say it's a job when it's truly a biz opp, even though I follow the logic about the work that needs to be done. But as far as the law goes, if you're not an employee, then it's not a job.


Here are the questions that I would like you to answer:


I'm watching that IRN video. They said they're not MLM, but their referral program IS MLM. What is up? This sounds like a scam.

They say the work is posting ads for the major companies, but then they talk about just this referral thing. Do you actually do the work they started talking about in the video -- posting ads for the major companies?

I was first concerned before I watched the video that there were no legal disclaimers or website terms of conditions on the landing page and also the video page, like there are on reputable websites. What is the explanation for that?


Thank you. I look forward to your response because if this is legitimate, I want to start immediately.


Yours truly,



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#5 UPDATE Employee ..inside information

How could you complain about this company?

AUTHOR: Othello - ()

It can really be harmful when people who got involved in something and weren't good at it or put any effort or just plain misinformed put more misinformation out there. Daily Money Team is an independent team and Instant Money Netork is an independent marketing system for Instant Rewards so lets make that distinction. If you want to call that team scammers, thats one thing, I wouldn't know but Instant Rewards is probablt the easiest most effective way to make good daily money from home and is also an effective advertising structure for big name companies. They nothing about it that is a scam they are very upfront about how it work, they basically are connecting everyday consumers with Fortune 500 advertising dollars. Satellite radio and DVR technology is taking eyeballs and ears away from millions dollar ads so that is why this big brand companies attach there name to companies like Instant Rewards.

With that being said, what is the scam? Of course it is commission based, you were expecting to be paid for nothing? On the starter site you are being paid $20 for referring others to complete offers that range from free to $1-5 and you are paid $20 for every person you refer so the compensation is more than fair, actually generous. Most work from home programs you come across will make you pay a fee to  start making money than pay a recurring fee every month from $20-$100, with Instant Rewards all is required is a one time one credit offer. All you need to do is make sure you pick an offer you may like and keep a schedule so that you know when to cancel the trial if it's not something you want. After you completed a 1 credit offer like the credit report 1 which is 1 dollar and worth one full credit and very easy to cancel, if its not something you like. You can refer and unlimited amount of people. No one I know has had problems cancelling a trial with any of these big name companies, maybe you just didn't cancel on time.

It is basically a marketing job. You are in no way left to your own devices, there are Facebook support groups and training sites and youtube videos to help you get started, and you get your own free marketing capture page how could you complain with all the work from home crap out there seriously? I personally make $40 some days when I'm busy doing other things, some days $200 - $240 and thats just on Facebook when I have time, but it all depends on you. To get all the Instant Rewards info you need in one place instead of misinformation I would suggest visiting the http://instantrewardsdailypayday.com site.

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#6 UPDATE Employee


AUTHOR: aedesigns - ()

Who did you have as a sponser? My sponser has been poor with answering emails and calls pertaining to questions about the company/"job." Without proper communication, one can be led to believe that IRN is a scam company that prays on credit card numbers, not necessarily money. I do not want to overgeneralize all sponsers and the whole company. IF you can supply me with help I will be willing to listen and accept it. THank You!!

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#7 UPDATE Employee

Im sorry You feel that way but there is NO SCAM

AUTHOR: margo - ()

First of all I would like to say I am very sorry you feel the way you do. Instant rewards and Instant Money are both reputable companies that offer another variance to advertising. 

Companies such as Walmart, (Yes Walmart), Target, Disney, Free credit report, GameFly, Game House, Dr. Suess, Netflix and Many more Fortune 500 companies have people do more advertising for them.

Yes, we all have to fulfill offers BUT THE FACT THAT SOMEONE DOES NOT CANCEL THEIR OFFERS IS NOT IRN or IMN FAULT! We DO have a backoffice so you can schedule the cancellation of the services you do NOT want to keep.

We do NOT advertise as BBB accredited and if someone did then that person should be reported and one person messing up does not mean the entire program is a scam!

I copied something from our training manual to post here and Highlighted in BOLD a few key points!

"I understand your skepticism as there are lots of scams out there on the internet, especially in the work from home arena. I can assure you that Instant Rewards, our parent company, and the company that pays us, is NOT a scam.

They’ve been in business for many years and have paid out over $2Million in commissions. They are also working alongside very stable, strong, Fortune 500 companies. I encourage you to do your research on Google and you’ll see very positive feedback about Instant Rewards and the Instant Rewards Network.
I agree with you that it may sound “too easy” or “too good to be true”.

However, here’s the deal:

It is very “easy” to sign up and become enrolled and land this job. We don’t require any application process or job interview at this time to be part of our team. Our training is designed to help people implement some basic strategies to get their business going. The only major catch is that you have to do the work. It will not happen overnight or by itself . You have to put effort into it on a consistent basis, whether that be full time or part time. That is why we advertise this position as a work from home JOB."

I personally know of people that think that they can just sign up and the money will roll in but it doesnt happen that way you have to WORK!!! This becomes your business!!

Talk to the hundreds of people that make money everyday from this! You spend about $15 ONE TIME then you can make money for a life time..literally!!

There is no catch! no scam! its all in black and white...do offers, meet requirements, refer, promote, refer, promote! When you sign someone up and they COMPLETE THEIR REQIREMENTS YOU GET PAID! If you DONT complete your requirements, if you donr sign others up and they dont fulfill their requirements then YOU DONT GET PAID!! Its that simple.

Again Im sorry you had such a teribble experience, you should seek a new sponsor if you really want to make money with this, if not then let it go. YOU didnt cancel your trials! We dont sell anything soo much as open your eyes and the eyes of others to a new product so maybe that should be reworded to protect everyone. 

But honestly do people expect to make money if they dont want to work for it? Really??

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#8 UPDATE Employee

What's this about jobless people?

AUTHOR: iPrimadonna - ()

I just want to point out that jobless people don't have to spend any money if they don't want to. They can do more than one FREE trial. As long as the trials equal to one credit. The $1.00 comes in for those that don't want to go through all of the signing up.

I am a current affiliate of IRN and I must say that the work is very tedious and if you don't put in the time and effort, you won't make any money. You have to post ads. You have to talk to people. You don't have to tell people that it's a job because it's really not. It's an affiliate program. There are thousands, maybe even millions on the internet...as a matter of fact, nearly the whole internet is based on affiliates.

I never tell people that it's a job. For one, anyone with a half of brain knows this isn't a job. Secondly, if a person confuses this program with a job, they're the type of person that would probably write negative ripoff reports about the company. They're also the type of person that would call their sponsor a million times a day and want them to "help" them when in reality they haven't tried to do anything on their own.

Your success in anything depends on how hard you are willing to work for it.


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#9 Author of original report

Job requires purchase of 3$ knife worth 100$ ?!?!

AUTHOR: Jared - ()

No knife is worth 100$.  Get real.  Any affiliate of Instant rewards is a scammer profiting off of jobless people that have to use their credit card to sign up for a 3$ knife worth 100$ ?!?!?!  I don't think so.  When jobs require handling money, they may require credit checks, NOT your credit card in order to purchase things.  THAT IS NOT A JOB.  That is a tier scheme.

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#10 UPDATE Employee ..inside information

How were you scammed and why are you lying?

AUTHOR: OhReally - ()

DMT and the affiliate networks it represents are 100% legitimate. I personally answered an ad for employment, and I am enjoying one of the most rewarding work at home opportunities of my life. I think this person likely didn't want to invest anything (time or money) and felt entitled to be paid by someone for nothing. His claims are totally false and wildly ridiculous! There are 22,000+ agents. Where are the hundreds of angry people who have been "scammed?"

CPA (cost per action) advertising has been around for at least a decade. It must be beneficial for companies (and YES every one of the companies this complainer says are NOT on the networks are ABSOLUTLEY on the networks, along with 100s of others) or companies would not continue to use this form of advertising, and pay people well for referrals. Everything I've ever read or heard from DMT or the affiliates says "NO to LOW COST TRIALS" of products and services, which is exactly what is offered. As another poster said here, a lot of them are really GREAT values. If anyone who tries an offer DOESN'T think its a great value to try a $39 membership for $1.99, they can cancel it at any time. The ADVERTISERS request that we keep the offers for 80% of the trial...AND???? Is it not reasonable that they would want a fair chance at gaining a new customer, if they are paying advertising referral fees? The poster attempts to make this some conspiracy...

Costs on these trials are typically not more than a few bucks...we're not talking about hundreds of dollars here. My supervisor who recruited me reimbursed my expenses, which totalled a whopping $17.00! Even if this complainer's recruiting supervisor did NOT reimburse him, I wonder how many thousands he would claim he was "scammed" out of? It would be impossible to spend even $100!!! Clearly this is not a person who has ever operated a business of his own or as an independent agent, or he would EXPECT that $20 or so would be a reasonable amount to spend getting started on a new venture (even on gas, uniforms or lunch as an employee). There are always those who want something for nothing, and clearly this was his M/O. He belongs on the clock, with a name badge for $8/hr. I'd offer to super-size it for him, but he'd surely think it was a scam.

In defense of this poster, it is possible that he was looking for a get rich quick scheme with nothing in it of himself, and he gravitated to someone who either deliberately or unintentionally misrepresented the DMT business model to him. As there are 22,000+ agents with the company, what is said by every person cannot be totally monitored or controlled. My experience could not be more different than what this person relates. My supervisor is professional, very thorough, very accurately represented the company and the opportunity to me, and I took full responsibillity for making an informed decision about my own career and investment of my time and resources. I'm sorry if this guy was "duped" but by his claims, he simply had his head up his butt, and heard what he wanted to hear about "Do nothing from home and we'll pay you well."

DMT has proven to be an incredibly positive experience for me; has cost me NOTHING, I have experienced excellent support from a whole community of people who also love this job/company, and I am earning very good money, while helping a lot of other people- who, (like I was) are looking for a viable work from home opportunity.

Again, I restate that there are 22,000 people employed by DMT. Doesn't it seem like there would be hundreds of complaints from disgruntled people if even half of what he says OR anything negative were true?



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#11 Author of original report

Poor rebuttals

AUTHOR: Erin M - ()

Again, all of the reuttals do not deny placing phony ads targeting jobless people.  They also do not address the fact that you need a credit card to SIGN up for free trials, and those trials must be cancelled in a timely manner, which cannot be too soon, nor too late, or else you lose money.  The rebuttals do not talk about how Netflix, Target, NOR Wal-Mart are NOT part of these "free trial" offers.  That is the company, DMT,  bald face lying on Instant Rewards behalf.  This is a teir system to where the person can only make money SELLING trial offers to others.  All of the WAH ads claim "no selling".  And so do all of the companies working on behalf of Instant Rewards.  This is called a SCAM. 

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#12 Consumer Comment


AUTHOR: - ()

While I cannot say for certain if Money Network is used at Target and Netflix, I know for a fact that the Money Network is trusted and used by both Walmart and Party City.  I am certain of this because I have previously worked for Party City and currently work for Walmart and use my Money Network account to receive my paycheck. 

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#13 Author of original report

Jobless people have to have a Credit Card

AUTHOR: Erin M - ()

You did a terrible job of rebutting.  Jobless people have to enter their credit card information and sign up for free trials and then keep the trial for at least 85% before that trial expires.  There are guides that teach the jobless people how to cancel their free trial offers.  That is all you do, sign up for free trials then cancel them.  The job part of this is signing up other jobless people to sign up for free trials.  Hardly a legitimate job.

 How do they get these jobless people?  They place phony WAH ads.  The ads are very deceptive.  Not one ad tells the truth.  If the ad said "enter your credit card to sign up for free offers then get others to do the same".. then jobless people would not be wasting their time with this deceptive company.

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#14 Consumer Comment

Unfair Assessment and Inaccurate information!!

AUTHOR: ackpaul - ()

I am a consumer of Instant Rewards and although any reference to a job can be seen as possibly a matter of semantics, on the part of DMT, Instant Rewards itself is a legitimate company. I have personally taken trial offers from Disney to creditreport.com. I have done emusic with a free trial and $10 of free music to download and try. Best buy offers this same free trial with most electronic purchases. I have used the savings club one and also got a $100 free knife for $3 shipping and an incredible ceramic pan for $9.95, worth way more than that and mine to keep. I think it is VERY unfair to catagorically slam instant rewards as a scam. It is anything but a scam. I can not speak to every singel offer but there are plenty of offers that are wonderful here and there is not a single one that I know of that people have done that can not be cancelled if you wish not to keep it. So next time you file a complaint, don't be so one sided and make sweeping condemnations when this is just simply not true. A lot of poeple also have made a livable income with instant Rewards and treat it like a job. So next time be a little more thoughtful and a little less generalized with your comments. 

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