National Health Partners, Inc.

November 24, 2014Dear *** ***:In response to your letter regarding *** *** ***, please find the following:*** *** became a member of CARExpress on 11/5/at which time a membership packet was mailed out to her, then prior to her one year renewal, her renewal membership kit was mailed out
on 10/22/14.*** *** never called to cancel her membership and had access to the CARExpress services during this time, She did mail back her renewal membership kit which we received on 11/7/but her CARExpress membership had already beencancelled when we received chargeback notices through her bankAt this point, *** *** has put in five (5) chargeback notices through the banking system and once that is done, we are not permitted to issue refunds according to banking regulations since those transactions are being reviewed by the banking processors. Should you have any questions or need additional information, please let us know.Sincerely,Patricia B. VP, Marketing

December 12, 2014Dear *** ***:
In response to your letter regarding *** *** ***, please find the following:
• The information we presented previously is accurate• *** *** has put in chargebacks through her bank and we are not permitted to do anything further at this time through the credit card processing system• Sales centers are only obligated to maintain the recorded sales call for one year and since the timeframe has passed, unfortunately the recording is no longer available• Our name and phone # appear with every credit card statement charge so that in case a member has any questions, they can easily contact usIn an effort of good will, we will agree to provide *** *** with a refund check for three (3) additional months as final resolution of this issueShould you have any questions or need additional information, please let us knowSincerely,
Patricia B. VP, Marketing

November 24, Dear *** ***:
In response to your letter regarding *** *** ***, please find the following:
*** *** became a member of CARExpress on 9/19/at which time a membership packet was mailed out to him and a welcome call was made to his home where a
message was left, welcoming him to CARExpressHis CARExpress membership kit was also mailed out the same day- *** *** enrolled via the phone, therefore, we have the recorded sales call available for you to listentoWe invite you to listen to the call by calling our customer service center at ###-###-#### and requesting to listen to the sales callIt is a good sale where *** *** provides all of his information and the program is explained to him and our phone # is provided as well* *** *** called us to cancel on 9/25/saying he was not interested in the programHe did not request a refund of the $trial fee which we would have issued had be askedWe have issued it in accordance with the letter,We have also attached documentation regarding this membership and the customer service history for your review.The major concern we have is that *** ***'s complaint is stated against CARExpress, however, we are not the company responsible for the initial sale or any of the other programs/sales he mentions in the complaintWe are only CARExpress.Here are the concerns:• CARExpress is NOT the marketing companyWe do contract with marketing companies who do sell our program, however, we only deal with them on CARExpress and have nothing to do with anything else that they sell for other companies as mentionedin the complaint• *** *** did not speak with a CARExpress representative during the sale asexplained aboveHe only called us one time as noted on the Member History and we have not received an email from himI am sure he is contacting the marketing company and has that confused with CARExpress.• CARExpress does provide a reward certificate valued up to $(which is clearly explained during the recorded enrollment), however, if another company offers a gift card, that has nothing to do with CARExpressWe are requesting that this complaint be removed against CARExpress and be placed against the appropriate party.Should you have any questions or need additional information, please let us know.Sincerely,Patricia B, VP, Marketing

[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 is satisfactory to me.
Regards,
*** ***

November 24, 2014Dear [redacted]:In response to your letter regarding [redacted], please find the following:
[redacted] became a member of CARExpress on 11/5/13 at which time a membership packet was mailed out to her, then prior to her one year renewal, her renewal...

membership kit was mailed out on 10/22/14.[redacted] never called to cancel her membership and had access to the CARExpress services during this time, She did mail back her renewal membership kit which we received on 11/7/14 but her CARExpress membership had already beencancelled when we received chargeback notices through her bank. At this point, [redacted] has put in five (5) chargeback notices through the banking system and once that is done, we are not permitted to issue refunds according to banking regulations since those transactions are being reviewed by the banking processors. 
Should you have any questions or need additional information, please let us know.
Sincerely,Patricia B. 
VP, Marketing

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because::I never enrolled in this program, nor authorized withdrawals from my account., on 11/15/13, nor any other time.  I never received program info (until my complaint), nor had access to their services.  I had full medical coverage with very low copays and absolutely no reason to enroll in their 'discount' program.On 11/11/2014, my bank closed their investigation by crediting my account for 4 of the 11 payments of $39.95, a total of $159.80.  They had previously credited my account for the October 2014 withdrawal of $39.95.I've received back a total of $199.75 ($159.80 + $39.95) of the money that was not authorized to be taken from my account.  The balance that they've taken is $239.70 ( 6 x $39.95).  I feel they were not authorized to take this money out of my account.  I had no reason to want their services, never asked for it, and no access to use it. 
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because::
I never enrolled in this program, nor authorized withdrawals from my account., on 11/15/13, nor any other time.  I never received program info (until my complaint), nor had access to their services.  I had full medical coverage with very low copays and absolutely no reason to enroll in their 'discount' program.
On 11/11/2014, my bank closed their investigation by crediting my account for 4 of the 11 payments of $39.95, a total of $159.80.  They had previously credited my account for the October 2014 withdrawal of $39.95.
I've received back a total of $199.75 ($159.80 + $39.95) of the money that was not authorized to be taken from my account.  The balance that they've taken is $239.70 ( 6 x $39.95).  I feel they were not authorized to take this money out of my account.  I had no reason to want their services, never asked for it, and no access to use it.  Regards,
[redacted]

December 12, 2014Dear [redacted]:In response to your letter regarding [redacted], please find the following:• The information we presented previously is accurate.•  [redacted] has put in chargebacks through her bank and we are not permitted to do anything further at this time through the credit card processing system.• Sales centers are only obligated to maintain the recorded sales call for one year and since the timeframe has passed, unfortunately the recording is no longer available.• Our name and phone # appear with every credit card statement charge so that in case a member has any questions, they can easily contact us.In an effort of good will, we will agree to provide [redacted] with a refund check for three (3) additional months as final resolution of this issue.Should you have any questions or need additional information, please let us know.Sincerely,Patricia B. VP, Marketing

November 24, 2014Dear [redacted]:In response to your letter regarding [redacted], please find the following:[redacted] became a member of CARExpress on 9/19/14 at which time a membership packet was mailed out to him and a welcome call was made to his home where a message was left, welcoming...

him to CARExpress. His CARExpress membership kit was also mailed out the same day. - [redacted] enrolled via the phone, therefore, we have the recorded sales call available for you to listento. We invite you to listen to the call by calling our customer service center at ###-###-#### and requesting to listen to the sales call. It is a good sale where [redacted] provides all of his information and the program is explained to him and our phone # is provided as well. [redacted] called us to cancel on 9/25/14 saying he was not interested in the program. He did not request a refund of the $3.95 trial fee which we would have issued had be asked. We have issued it in accordance with the letter,We have also attached documentation regarding this membership and the customer service history for your review.The major concern we have is that [redacted]'s complaint is stated against CARExpress, however, we are not the company responsible for the initial sale or any of the other programs/sales he mentions in the complaint. We are only CARExpress.Here are the concerns:• CARExpress is NOT the marketing company. We do contract with marketing companies who do sell our program, however, we only deal with them on CARExpress and have nothing to do with anything else that they sell for other companies as mentionedin the complaint. •  [redacted] did not speak with a CARExpress representative during the sale asexplained above. He only called us one time as noted on the Member History and we have not received an email from him. I am sure he is contacting the marketing company and has that confused with CARExpress.•  CARExpress does provide a reward certificate valued up to $100 (which is clearly explained during the recorded enrollment), however, if another company offers a gift card, that has nothing to do with CARExpress.We are requesting that this complaint be removed against CARExpress and be placed against the appropriate party.Should you have any questions or need additional information, please let us know.Sincerely,Patricia B, VP, Marketing

Review: On 9-22-14 I was directed to a customer service representative in regards to an offer they had. For $3.95 I was offered a gift card for $100 for groceries. For this I would be enrolled into their program and would be charged a monthly fee if I did not opt out after receiving a packet in the mail with the details. I was the offered other items which I declined such as [redacted].com. I inquired to if these were a necessity to receive the gift card and if so I would like to opt out of it. He stated multiple times that these were not mandatory nor would I have any obligation to them. A week or so later I received this in the mail but no gift card was in their as I was led to believe. Instead I was given a link to redeem my prize. No where on the website was any offer for a $100 gift card for anything let alone groceries. They were all other options I emphatically refused on the call with the CSR from Carexpress. I chalked this up to being too good to be true and figured I was just out my $3.95 from the initial mailing. I quickly called Carexpress to cancel their offer before I would begin to charged their monthly fee. They obliged and I figured the situation was closed. On 10/14/14 a charge from [redacted].com appeared on my account. I called them and they refunded their charge. Then on 10/20/14 a charge for Savshop appeared and after calling them and inquiring what their service was, I was told they were a grocery coupon provider. I resolved this issue with them and expect the refund in my account in the next few days.

I have contacted Carexpress 3 times by phone this week only to be told a supervisor would call me back, which has not happened. I then sent an email on 10/22/14 to get some answers to this and have not heard anything back from them. My concern is entrusting this company with my debit card information having other companies I distinctly refused charge me a fee. These other companies have been great at helping resolve any issues I had and quickly returned or are in the process of returning the funds to me.Desired Settlement: Money isn't the issue on my end. I would like my $3.95 returned out of principle, but I would just appreciate some kind of communication from them as to why these charges appeared on my account and why the "gift" I was to receive was not even an option or what was promised to me. I work in sales and customer service and am aware of the "buyer beware" mantra, but this is more of a bait and switch type of situation to me.

Business

Response:

November 24, 2014Dear [redacted]:In response to your letter regarding [redacted], please find the following:[redacted] became a member of CARExpress on 9/19/14 at which time a membership packet was mailed out to him and a welcome call was made to his home where a message was left, welcoming him to CARExpress. His CARExpress membership kit was also mailed out the same day. - [redacted] enrolled via the phone, therefore, we have the recorded sales call available for you to listento. We invite you to listen to the call by calling our customer service center at ###-###-#### and requesting to listen to the sales call. It is a good sale where [redacted] provides all of his information and the program is explained to him and our phone # is provided as well. [redacted] called us to cancel on 9/25/14 saying he was not interested in the program. He did not request a refund of the $3.95 trial fee which we would have issued had be asked. We have issued it in accordance with the letter,We have also attached documentation regarding this membership and the customer service history for your review.The major concern we have is that [redacted]'s complaint is stated against CARExpress, however, we are not the company responsible for the initial sale or any of the other programs/sales he mentions in the complaint. We are only CARExpress.Here are the concerns:• CARExpress is NOT the marketing company. We do contract with marketing companies who do sell our program, however, we only deal with them on CARExpress and have nothing to do with anything else that they sell for other companies as mentionedin the complaint. • [redacted] did not speak with a CARExpress representative during the sale asexplained above. He only called us one time as noted on the Member History and we have not received an email from him. I am sure he is contacting the marketing company and has that confused with CARExpress.• CARExpress does provide a reward certificate valued up to $100 (which is clearly explained during the recorded enrollment), however, if another company offers a gift card, that has nothing to do with CARExpress.We are requesting that this complaint be removed against CARExpress and be placed against the appropriate party.Should you have any questions or need additional information, please let us know.Sincerely,Patricia B, VP, Marketing

Review: This company has been withdrawing money from my checking account for 12 months without my authorization.I never authorized them to withdraw any money from my account. I never received any correspondence from them until I complained to my bank. The very next day they mailed out my 'new' membership cards (with my name spelled incorrectly).The CEO is David D[redacted]. I want my money returned.[redacted]Desired Settlement: They have withdrawn $479.40 from my account without my authorization and I want it returned.

Business

Response:

November 24, 2014Dear [redacted]:In response to your letter regarding [redacted], please find the following:[redacted] became a member of CARExpress on 11/5/13 at which time a membership packet was mailed out to her, then prior to her one year renewal, her renewal membership kit was mailed out on 10/22/14.[redacted] never called to cancel her membership and had access to the CARExpress services during this time, She did mail back her renewal membership kit which we received on 11/7/14 but her CARExpress membership had already beencancelled when we received chargeback notices through her bank. At this point, [redacted] has put in five (5) chargeback notices through the banking system and once that is done, we are not permitted to issue refunds according to banking regulations since those transactions are being reviewed by the banking processors. Should you have any questions or need additional information, please let us know.Sincerely,Patricia B. VP, Marketing

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because::I never enrolled in this program, nor authorized withdrawals from my account., on 11/15/13, nor any other time. I never received program info (until my complaint), nor had access to their services. I had full medical coverage with very low copays and absolutely no reason to enroll in their 'discount' program.On 11/11/2014, my bank closed their investigation by crediting my account for 4 of the 11 payments of $39.95, a total of $159.80. They had previously credited my account for the October 2014 withdrawal of $39.95.I've received back a total of $199.75 ($159.80 + $39.95) of the money that was not authorized to be taken from my account. The balance that they've taken is $239.70 ( 6 x $39.95). I feel they were not authorized to take this money out of my account. I had no reason to want their services, never asked for it, and no access to use it.

Regards,

Business

Response:

December 12, 2014Dear [redacted]:In response to your letter regarding [redacted], please find the following:• The information we presented previously is accurate.• [redacted] has put in chargebacks through her bank and we are not permitted to do anything further at this time through the credit card processing system.• Sales centers are only obligated to maintain the recorded sales call for one year and since the timeframe has passed, unfortunately the recording is no longer available.• Our name and phone # appear with every credit card statement charge so that in case a member has any questions, they can easily contact us.In an effort of good will, we will agree to provide [redacted] with a refund check for three (3) additional months as final resolution of this issue.Should you have any questions or need additional information, please let us know.Sincerely,Patricia B. VP, Marketing

Consumer

Response:

[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 is satisfactory to me.

Regards,