The phrase "complete rip" means that something is a total imitation or copy, usually of poor quality or without giving credit to the original. Full definition
BlackBerry PlayBook's QNX = complete rip off of WebOS. (bgr.com)
That isn't to say the companies are ripping you off (and for many people, it might be worth it just sending in your completed word document and getting back a fully finished novel) but in general you could save money by doing some it (lincolncole.net)
Just a quick Google search has results popping up for complete rip - offs (paying for services not received), poor quality of services received, overcharging for services, bullying / hounding people to upgrade their publishing package; etc.. (hughhowey.com)