Value Benefits Of America

Dear Revdex.com,After review of this case I have found the following.The Revdex.com complaint just received is the first we have been informed that MrH [redacted] had a concern regarding the VBA plan MrH [redacted] self enrolled for the VBA membership with Accident Coverage on 05/23/on the eHealthinsurance.com website per my communication with them today Due to MrH [redacted] 's self enrollment the authorization and the enrollment are valid Perhaps this is just a misunderstanding by MrH [redacted] and I have left a message on his phone today, 08/02/16, to contact me so we can discuss I can be reached at 800-366-ext***.I have attached some documents from the eHealthinsurnace.com website enrollment process for MrH [redacted] to review This was provided by the customer service at eHealthinsurance when I reached them to look into the situation.Mike

Dear Revdex.com,In review of this complaint I have found the following.The VBA membership that Ms [redacted] enrolled in through her agent at GoHealth was effective 8/1/ We spoke to Ms [redacted] on 8/22/to verify her purchase and also at that time corrected her name spelling A new fulfillment packet was then mailed out with the correct spelling While confirming the purchase we did a recorded verification, which is attached, that has Ms [redacted] agreeing to the monthly charge The statement in this complaint that Ms [redacted] never authorized monthly payments is incorrect The VBA membership is a secondary plan, as she herself states in this complaint, and requires a cancelation request directly with our office, not with another company that does separate billing for a plan that we are not associated with We were not informed to cancel the plan therefore continued to bill Ms [redacted] as she agreed to in the verification call The VBA membership has been cancelled per the phone call we received on 1/5/and we refunded one month back to the credit card that has been used for billing Although I completely disagree with MsCunniffe-Pena's statement that due to the negligence of VBA she had the plan, I am going to issue a full refund in the best interest of the customer This refund will be processed today, 1/10/17, back to the credit card we had been billing.Sincerely,Mike K [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

Dear Ms***,The VBA plan that you have with our company has remained in force because we never received a cancelation request from you or your agent If you would have contacted our office to cancel in December of we would have cancelled as we are now doing when you called last week Your plan was set up on automatic bank draft and has been drafted the same all along We provide our telephone number to all banking institutions so to say that they don't have our contact phone number is incorrect When you originally enrolled in the VBA plan we emailed you on two occasions The first to inform you of the enrollment and the second with login information to view your fulfillment material Both of these emails have our contact information listed We also mailed you a letter the same day the enrollment was completed and then another two weeks later These too had our contact information listed in multiple locations Finally, the agent that enrolled you also has our contact information and could have put you in contact with us if all the above were still not available to you To say that we are a scam is completely and an accusation that we take seriously I am requesting you remove this statement from your letter that was sent to the Revdex.com.I have instructed our accounting department to refund your account in the amount of $today This refund will appear as a credit in your account within or business days If you have further questions or would like to discuss this situation, I can be reached at [redacted] ext [redacted] during business hours.Sincerely,Mike K [redacted]

Dear Mr [redacted] ,Per your conversation yesterday with Patrick C [redacted] at our office, we are issuing a full refund as you requested Our goal is to have satisfied customers that are able to use the benefits and services available in the membership Since the service that you primarily purchased the membership for is not available within a reasonable distance of you we have agreed to issue this refund Your refund is being processed today, March 24, Sincerely,Value Benefits of America

Dear Cynthia M***, I have reviewed your complaint and found the following We received a call from you on 7/13/at 7:19am and once our office was open we called you at 7:52am that morning Our customer service person discussed the plan you purchased from your insurance agent and once decided you did not want to keep this plan we informed you that a cancelation is needed in writing so we emailed this form after the call ended We received the cancelation form from you several days later on 7/25/after a billing had occurred for August dues Once we received the cancelation form we issued a full refund that was processed on 07/26/ This full refund was in the amount of $ We also mailed you a cancelation letter on 7/27/to for confirmation Your claim that we debited you on 7/28/is completely incorrect Please look at your credit card statement again and you will see we did a credit not a debit We handled your calls and cancelation request in a timely and professional manor I would appreciate you withdrawing this complaint based on how we actually handled your requests On 8/15/tried to reach you by phone but seem to have an incorrect phone number and we also sent you an email regarding this complaint to discuss If you have any additional questions or concerns, please contact us at 800- [redacted] during business hours Thank you

Dear Ms***,After reviewing your file I have found the following.Your enrollment with VBA was submitted by GoHealth Insurance. I have requested the recorded sales verification from GoHealth so it can be reviewed by our office. GoHealth submitted the enrollment and your payment
information to our company to process the VBA membership that included a $accident medical expense coverage plan along with several other benefits. We attempted to issue you a full refund but realized that you had the credit card company process a chargeback against us to the refund was completed in that process. You also mention difficulty reaching our office but we keep electronic records of our inbound and outbound calls and have record that you called before office hours at 7:29am on 5/4/at which time we immediately started the cancel and refund process. This was the first we had received a call from you. We take your statements that "this is theft" and "this company is a scam" very seriously and we are currently further reviewing them now.If you would like to discuss the sales process that took place to set up this plan you can contact the GoHealth office at ###-###-####.Your money has been refunded in full and your account has been canceled.Thank youValue Benefits of America

Dear Revdex.com,After reviewing this complaint, I spoke with Ms*** on the telephone today and agreed to issue a full refund of the monies paid for the VBA program. The full refund will be in the amount of $which will be deposited back to the account it was withdrawn from.
This refund is being processed now and will show as a credit in the next few business days. Thank you,Mike

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
Kathleen C*** ***

Dear Ms***,After reviewing your records with VBA I have found the following.As you stated, independent agent Glenn L*** signed you up for a health plan. In doing this, MrL*** also submitted an enrollment on your behalf for the VBA membership with Accident benefits. This is
often done by agents to help with deductibles or co-pays you may have with your medical plan. The VBA membership also has telemedicine, ID theft recovery and many other benefits that are of great value. Because the enrollment was submitted by MrL*** we had asked you to speak directly with him to discuss the conversation regarding what was purchased. You indicate that MrL*** is not reachable or not of assistance. Due to you not being able to resolve with your agent we have issued a full refund in the amount of $today, 11/2/back to the account that was being drafted. You will see this credit in the next few business days. This amount includes all monies drafted by our company. The one-time fee of $you have listed was not charged by our company so I suggest you contact that company to discuss.If you have any questions I can be reached at *** extduring business hours. Thank you,*** ***

Dear Revdex.com,After review of this case I have found the following.The Revdex.com complaint just received is the first we have been informed that Mr. H[redacted] had a concern regarding the VBA plan.  Mr. H[redacted] self enrolled for the VBA membership with Accident Coverage on 05/23/2015 on the...

eHealthinsurance.com website per my communication with them today.  Due to Mr. H[redacted]'s self enrollment the authorization and the enrollment are valid.  Perhaps this is just a misunderstanding by Mr. H[redacted] and I have left a message on his phone today, 08/02/16, to contact me so we can discuss.  I can be reached at 800-366-2467 ext. [redacted].I have attached some documents from the eHealthinsurnace.com website enrollment process for Mr. H[redacted] to review.  This was provided by the customer service at eHealthinsurance when I reached them to look into the situation.Mike

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

We received an enrollment from Mr. [redacted] insurance agent of which we processed as requested.  We are issuing a full refund per Mr. [redacted] request today, January 4, 2016, which will be electronically deposited back into his bank account.  This refund will be processed today...

and will show in his account in the next 3 or4 business days.  Thank you,Mike K[redacted]

Dear Revdex.com,In review of this complaint I have found the following.The VBA membership that Ms. [redacted] enrolled in through her agent at GoHealth was effective 8/1/16.  We spoke to Ms. [redacted] on 8/22/16 to verify her purchase and also at that time corrected her name...

spelling.  A new fulfillment packet was then mailed out with the correct spelling.  While confirming the purchase we did a recorded verification, which is attached, that has Ms. [redacted] agreeing to the monthly charge.  The statement in this complaint that Ms. [redacted] never authorized monthly payments is incorrect.  The VBA membership is a secondary plan, as she herself states in this complaint, and requires a cancelation request directly with our office, not with another company that does separate billing for a plan that we are not associated with.  We were not informed to cancel the plan therefore continued to bill Ms. [redacted] as she agreed to in the verification call.  The VBA membership has been cancelled per the phone call we received on 1/5/17 and we refunded one month back to the credit card that has been used for billing.  Although I completely disagree with Ms. Cunniffe-Pena's statement that due to the negligence of VBA she had the plan, I am going to issue a full refund in the best interest of the customer.  This refund will be processed today, 1/10/17, back to the credit card we had been billing.Sincerely,Mike K[redacted]

Dear Mr. [redacted],Per your conversation yesterday with Patrick C[redacted] at our office, we are issuing a full refund as you requested.  Our goal is to have satisfied customers that are able to use the benefits and services available in the membership.  Since the service that you...

primarily purchased the membership for is not available within a reasonable distance of you we have agreed to issue this refund.  Your refund is being processed today, March 24, 2017.  Sincerely,Value Benefits of America

Dear Ms. [redacted],The VBA plan that you have with our company has remained in force because we never received a cancelation request from you or your agent.  If you would have contacted our office to cancel in December of 2015 we would have cancelled as we are now doing when you called last...

week.  Your plan was set up on automatic bank draft and has been drafted the same all along.  We provide our telephone number to all banking institutions so to say that they don't have our contact phone number is incorrect.  When you originally enrolled in the VBA plan we emailed you on two occasions.  The first to inform you of the enrollment and the second with login information to view your fulfillment material.  Both of these emails have our contact information listed.  We also mailed you a letter the same day the enrollment was completed and then another two weeks later.  These too had our contact information listed in multiple locations.  Finally, the agent that enrolled you also has our contact information and could have put you in contact with us if all the above were still not available to you.  To say that we are a scam is completely false and an accusation that we take seriously.  I am requesting you remove this statement from your letter that was sent to the Revdex.com.I have instructed our accounting department to refund your account in the amount of $384.45 today.  This refund will appear as a credit in your account within 3 or 4 business days.  If you have further questions or would like to discuss this situation, I can be reached at [redacted] ext. [redacted] during business hours.Sincerely,Mike K[redacted]

Dear Cynthia M[redacted], I have reviewed your complaint and found the following.   We received a call from you on 7/13/16 at 7:19am and once our office was open we called you at 7:52am that morning.  Our customer service person discussed the plan you purchased from your insurance agent and...

once decided you did not want to keep this plan we informed you that a cancelation is needed in writing so we emailed this form after the call ended.  We received the cancelation form from you several days later on 7/25/16 after a billing had occurred for August dues.  Once we received the cancelation form we issued a full refund that was processed on 07/26/16.  This full refund was in the amount of $65.90.  We also mailed you a cancelation letter on 7/27/16 to for confirmation.   Your claim that we debited you on 7/28/16 is completely incorrect.  Please look at your credit card statement again and you will see we did a credit not a debit.    We handled your calls and cancelation request in a timely and professional manor.  I would appreciate you withdrawing this complaint based on how we actually handled your requests.   On 8/15/16 tried to reach you by phone but seem to have an incorrect phone number and we also sent you an email regarding this complaint to discuss.  If you have any additional questions or concerns, please contact us at 800-[redacted] during business hours.   Thank you

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,