AHA Group, Inc.

Review: This complaint is in reference to $203.40 that was added to my mortgage account for service I did not sign up for. This transaction of $16.95 was taken out of my escrow account every month for approx. seven years. I call the escrow dept. to get an itemized list of all deductions from my escrow account. This charge came up no contact info to confirm authorization, no information to why this was on my mortgage escrow account. I am the only one on this Mortgage, I would never authorize services like this over the phone or in person. I then informed the mortgage co that these were unauthorized charges. They sent a letter stating as such. Unauthorized payments made to AHA GROUP INC. in the amount of $16.95 from 01/2003 to Aug 2011. I forwarded all information to AHA GROUP, I received a check for $203.40 from [redacted]. This will cover one year of unauthorized payments. I informed [redacted] that I would keep the payment for one year , I expected the company to do the right thing and refund the full balance. [redacted] replied back stating that when something like this happens , this is all they can pay (12 month) I want this company to pay the $1,356.00 owed to me , AHA GROUP charged my escrow account every month without my knowledge or authorization. Refused to pay back the full amount owed what can I do to get my money back? This amount owed to me is minus the $203.40.Desired Settlement: I expected the company to do the right thing and refund the full balance in the amt of $1,356.00 owed to me.

Business

Response:

Dear [redacted]:

In a letter to [redacted] dated October

21, 2011, she was advised of the following:

“…your membership enrollment resulted

from a telephone invitation to enroll in this service through your mortgage

company. The mortgage company had

verified your request at the time you agreed to accept to try the program, which is a health

and pharmacy discount service. Upon your

enrollment your information was added by us to the databases of the networks of discounted physicians, pharmacies,

hospitals, vision care providers, vitamin suppliers and others with whom

discounts had been negotiated and delivered on your behalf. Payments on your behalf were made by us to

each of the providing networks. We, in

turn, received only a portion of the monthly amount paid, as our net remittance

from [redacted] Mortgage.

“Please note that there is no record of

you calling [redacted] or AHA to cancel prior to your recent inquiry of September

1, 2011.

“While [redacted] Mortgage told you that

AHA would only pay a refund to you for two months, in order to achieve a

satisfactory resolution of this matter with you, AHA is willing to give you in

complete settlement of this matter a refund of one year at the full monthly

amount, going back to July 2010. A check

in the amount of $203.40 (12 months x $16.95/month) made out to you is

enclosed.

“If acceptable and accepted by you, this

shall constitute full and final settlement of this matter.”

Also, with regard to the letter [redacted]

referenced as having received from [redacted], this letter (dated October 4, 2011)

was written in response to her request to verify the collection and remittance

of fees to the American Homeowners Association during the period in

question. The letter made no reference

to these charges having been “unauthorized,” as implied in her statement of the

problem. The letter was merely a verification of [redacted]'s collection and

remittance of fees.

In summary, the customer’s issue was

settled in October 20ll with the issuance of a refund check constituting one

full year of membership fees pursuant to the maximum provided for under the

terms of the membership agreement. [redacted], accepted this resolution as evidenced by her depositing and cashing the

refund check on November 16, 2011.

There are no further monies to be

refunded to this customer.

Sincerely yours,

[redacted] |

Administrative Director

cc: [redacted], President

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

Sincerely,

[redacted] This information given by AHA is not all true.

I wrote them a letter stating that I would keep the 12months of payments and expected to be rein versed for the balance of the unauthorized charges that were deducted from my Mortgage escrow account. If I did this to AHA they would expect all of the money taken from the account plus interest and fees with additional charges. I will give AHA 10 days to respond. I am sending all of my documents to the Attorney Generals office to investigate the fair practice of this company. [redacted] is the person that I talked to in regards to theses unauthorized debits to my account , she was very nasty and unprofessional when interacting with me over the phone.

Revdex.com...I appreciate your assistance in resolving this matter

Thank You

Business

Response:

Dear [redacted]:

As indicated in our previous response, [redacted]’s issue was settled in October 2011 pursuant to AHA’s letter to her dated October 21, 2011 (see copy attached) and her subsequent acceptance of the refund check included therein, as evidenced by it’s being cashed on November 16, 2011. (See also the excerpted Section 4 of the American Homeowners Association Terms of Membership and Membership Agreement.)

Sincerely ours,

[redacted] | Administrative Director