Which of the following statements is NOT true:

a$.$ Australian Financial Complaints Authority $($AFCA$)$ consider complaints about financial products and services.

b$.$ Australian Financial Complaints Authority $($AFCA$)$ provides an alternative to tribunals and courts to resolve complaints consumers and small businesses have with their financial firms

c$.$ Australian Financial Complaints Authority $($AFCA$)$ is an independent dispute resolution scheme.

d$.$ Australian Financial Complaints Authority $($AFCA$)$ includes all financial services other than a guarantee to secure any money owing to a bank