I can't remember offhand actually being cheated by a JW. But, the memories that impact my mind the most are those when I was a teenager. I went to work for a couple of "brothers", elders in fact. They were bricklayers in the Dallas/Ft Worth area. They were absolutely the most obnoxious, filthy-mouthed, egotistical men that I have ever had the displeasure of knowing, JW or non-JW. Why did I continue working for them? Because I was a stupid, young, naive kid who didn't know any better, and didn't know "where else to turn".
Actually, every once in a while they would hire another "brother" from some congregation who would come out on the job and be so disgusted by their behavior that they would go tell the other elders on them. Then the "brothers" I worked for would kinda tone it down for a few weeks, but their bad boy behavior would always return.
Nowdays I'm a smart, old, wise, old man who figured out much too late that these two elders, being the successful entrepreneurs that they were, were just too important for the comgregations to take too much action against them. They contributed too much money to the Org so they got away with things the average JW would not have.