World Gym

An authorization has not been provided by the insured person allowing the release of PHI or PII to third parties. That form can be accessed via http://www.imglobal.com/pdf_forms/claimforminteractive.docInformation regarding any amounts paid, dates of payment, and medical providers paid can be reviewed within Explanation of Benefit statements communicated to the Insured Person or accessed at https://myimg.imglobal.comIf the Insured Person disagrees with any decision(s) communicated, the Insured Person may ask the Company in writing to reconsider that decision and supply medical records and opinions to support the appeal. The Company will then reconsider its decision based on review of anyadditional documentation and facts and advise the Insured Person of its decision.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]This response from IMG is not acceptable. Two written appeals were made by Stanford hospital to IMG (In January 2015 and March 2015) where the doctors office treating my mom at Stanford hospital has provided all the details of her case and have specifically called out in writing that her condition cannot be considered pre-existing. IMG on both times came back stating they consider my mothers condition is pre-existing. The doctors at Stanford hospital do not agree with IMG's assessment. They are unclear who has done the assessment and on what basis as all the medical records that IMG has are from Stanford and Washington hospital that the Stanford doctors have either generated or assessed. Stanford hospital has provided their full support to my mother and me to raise this situation and our concern to Revdex.com .The response from IMG is inadequate ( written appeals have been made) and they should re-assess their response to the appeals.Stanford doctors who have been treating my mother do not agree with IMG response. 
Regards,
[redacted]

In review of the file, the request for cancellation was made after the month of coverage had started.  The request for cancellation was denied correctly, in accordance with the insurance plan, only full unused months of coverage are refunded, and must be requested prior to the...

coverage period.  The cancellation request was made on January 31, 2017, and for coverage refund it would have to have been received prior to January 27, 2017.  Yours truly, Carolyn R. O[redacted]Assistant to General CounselInternational Medical Group, Inc.

The insurance contract cannot be waived, modified or changed except by the express written agreement of the insurance company.Under the Termination of Coverage for Insured Persons section, coverage and benefits under the insurance contract terminates on the earliest of certain dates including but not limited to: (a) the next day following the end of the coverage period for which premium has been fully, timely paid; (b) the termination date shown in the declaration; (c) the date the Insured Person returns to his Home Country; unless extended by (i) or (ii):  (i) if the Insured Person paid premium for at 6 months of continuous coverage under the plan, made the appropriate selection for End of Trip Home country Coverage, and designated 1 extra coverage month on the Application, coverage and benefits under the insurance will terminate on the 30th day after the date the Insured Person returns to his Home Country provided premium has been paid for the full period of coverage including the 30 days of Home Country coverage; or (ii) if the Insured Person has paid premium for at least 12 months of continuous coverage under the plan, made the appropriate selection for End of Trip Home country Coverage, and designated 2 extra coverage months on the application, coverage and benefits under the insurance will terminate on the 60th day after the date the Insured Person returns to his Home Country provided premium has been paid for the full Period of Coverage including the 60 days of Home Country coverage; and/or (d) the date the Insured Person first fails to meet or no longer meets the eligibility requirements set forth in the insurance contract. An authorization allowing the release of information protected under privacy and confidentiality laws has not been received.  If the Insured Person disagrees with a decision, the Insured Person may in writing ask for reconsideration of the decision and supply additional documentation to support the appeal.  The decision will be reconsidered based on submission of any additional documentation and facts.  The Insured Person will be advised of the decision within a reasonable time frame following receipt of any additional documentation and facts.

On 10/23/15 Ms. [redacted] signed up for a 1 year minimum gym membership for $10 per month.  The contract states "World Gym will access a $35 fee for all rejected credit card and/or bank accounts debits....Credit card and bank account changes are the sole responsibility of the member to update...

their membership billing information so that monthly bills are not late." The contract also states "World Gym reserves the right to charge debit/credit cards or bank accounts for all overdue balances and late fees.".  On January 3, Ms. [redacted]'s card was billed for January dues.  The card declined for a Do Not Honor code and a $35 insufficient funds fee was added to her account.  On or around January 7 we sent emails to all who were in arrears with us for January dues.    On January 15th, we tried to bill Ms. [redacted] for January 15th rate guarantee fee as stipulated in the membership agreement.  Again, they were declined for a Do Not Honor code and again a $35 fee was assessed.  On January 19, we sent another email to her to let her know that we did not receive her dues and her account was in arrears of $99.  On January 22, we called Ms. [redacted] and left a message regarding her account.  On  January 24, Ms [redacted] changed her credit card for us to bill.  On January 31 we used the new card on file to pay her past due balance of $99 as stipulated in the membership agreement.  On February 8, Ms [redacted] spoke to our manager Shannon about getting a refund for the $99.  Shannon told her we do not give refunds but offered her 1 of the $35 fees back in the form of dues.  Shannon put her account on for free months for February, March, April, and May dues so that she will not be billed for 4 months ($40 of dues).  This is not protocol for us but was done by a manager as a good faith customer service to keep a member happy.  World Gym did not have to give anything to this member.  See attachments.Thank you.

An authorization allowing the release of information protected under confidentiality and privacy laws has not been supplied.  If an answer to a specific benefits or coverage question is required for any reason, the Insured Person may submit a written request to the Company, including all pertinent medical information and opinions, and a written reply will be sent by the Company.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
My original complaint was lodged as a representative from the Insurance company already categorically stated that my claim was not valid for the reasons stated in my original claim.  The company is now changing its stance and stating that a claim form must be submitted.  If this is the case, why was it not communicated earlier.I shall submit a claim as required but I still require clarification on how the insurance company can sell travel insurance and expect the person to be insured for 90 days before a claim could be submitted.  If I resided in the USA for 90 days then I would NOT require travel insurance.
Regards,
[redacted]

Actual eligibility determinations, benefit verifications,
final coverage decisions and claim adjudications, and final payments and/or
reimbursements of benefits or claims are determined and adjudicated only after
or at the time a proper and complete Proof of Claim is submitted,...

an
opportunity for reasonable investigation and/or review is provided, cooperation
is received, and all facts and supporting information, including relevant data,
information and medical records when deemed necessary or appropriate by the
Company, are presented in writing. Appealed
claims may be further investigated and/or reviewed. If a definite answer to a specific benefits or
coverage question is required for any reason, the Insured Person may submit a written
request to the Company, including all pertinent medical information and a
statement from the attending Physician, and a written reply will be sent by the
Company to the Insured Person.

Final Consumer Response /* (2000, 9, 2015/11/02) */
They have made an agreement with myself so they have indeed responded back.

The individual submitting the complaint is not the insured or the patient.  Neither the insured nor the patient have authorized the sharing of information protected under confidentiality and privacy laws with third parties such as your organization.In the event the Company denies all or part of...

a claim, the Insured Person has a reasonable opportunity to appeal the denial under whichthere will be a review of the claim and the determination.  Insured Persons have the opportunity to submit written comments, documents, records, and other information relating to the claim.  The Company’s review will take into account all comments, documents, records, and other information submitted by the Insured Person relating to the claim, without regard to whether such information was submitted or considered in the initial claim determination.  Upon receipt of a written appeal from the Insured Person, the Company has an opportunity for further reasonable investigation and review, and will respond in writing to the Insured Person as soon as reasonably practicable.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The business refuses to respond to questions. There is no private information that they would need to disclose to Revdex.com. I would like the business to explain to Revdex.com the way they are going to address the issue with the patient whom they refused to cover for no reason. If a good reason exists, I would like it to be in writing. The patient and I would like to see the whole list of "pre-existing conditions" that the company does not cover. Then we would be able to determine if the patient's condition is on the list. The list of conditions is not a private information and should be provided to anybody on demand.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The response from the business in a lie. The insured person did sign the authorization for me to contact the company on her behalf.
Regards,
[redacted]

Member signed up for a 12 month minimum gym membership on 3/14/17.  The contract states that member must pay 12 months of dues before they can cancel.  The contract also states that member can cancel early with proof of move more than 25 miles and $100 buyout fee.  On 6/11/17 member...

called in....   Per our notes on members account:  he's moving to canada in a month and wanted to know how to go about cancelling. I explained his options are to prove his move and pay $100 buyout or wait until january 2018 and give a 60-day notice. he wanted to argue and claim that this policy is unenforceable. I explained that if he does not have proof of move we dont have to extend the buyout option. he was upset with the policy but intends to wait until jan and give a 60-day by mail   All company policies and procedures were followed.

Final eligibility determinations, coverage decisions, claim appeals, and actual reimbursement or payment of claims or benefits are subject to all Terms of the insurance contract, including without limitation filing a proper, complete Proof of Claim.  Actual eligibility determinations, benefit verifications, final coverage decisions and claim adjudications, and final payments and/or reimbursements of benefits or claims are determined and adjudicated only after or at the time a proper and complete Proof of Claim is submitted, an opportunity for reasonable investigation and/or review is provided, cooperation is received, and all facts and supporting information, including relevant data, information and medical records when deemed necessary or appropriate by the Company, are presented in writing.  The Company at its option may pend resolution and adjudication of submitted claims for incomplete Proofs of Claim.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I have not received any apology from IMG for the time and stress that has occured while I am awaiting settlement of the claims.  I have received no explanation as to why Mr G[redacted] did not return my calls.  I have had to settle a bill myself with one of the providers, which is related to the new onset of hypertension and therefore is not a 'pre-existing' condition.  I have another account which requires settlement by July 29th and although I have been told that I will have receive answers from IMG within a week - I still have no answer.  
Regards,
[redacted]

Review: I'm writing this letter to inform you about things that have happened at your [redacted] location and how my concerns were not addressed. I had been a member since February 25th 2013 to September 14th 2013. l had been paying my monthly due's of 19.95+tax. I found the facility very clean and the equipment was well kept. I also found a few of the trainers quite professional. I took my free personal training session, when you sign up, with [redacted] and had signed up for a 6 month contract for 220.00 a month. That was for 1 hour of personal training a week. I loved working with him and would have continued to work with him if the matter I'm going to bring up was addressed properly, if addressed at all. I had noticed that my regular monthly billing was being drafted correctly on the 5th of every month starting on 4/5/13. There is no problem with that. However, the problem I have is that the personal training payments that were being taken out at the end of the month were not coming out on the appropriate billing date the contract stated. My contract was signed for the money to draft on the 31“. March 28th the payment was drafted and posted on April 1st due to a holiday. The following month of April, my payment was drafted on April 29th and posted on April 30th. I would think the payment would have been drafted on the 30th since there is no 31St in that month. In May they drafted the payment on May 28th and posted on the 29th which is still not the 31“, which was a Friday. For June, the payment was drafted on the 28th and posted on July 15‘. (no problem there.) On July 29th the payment was drafted and was posted on the 30th meanwhile the 31St was a Wednesday. August the payment again was drafted on the 28th and posted on the 29th while the 31St was on a Saturday. There is no reason for the payment to not be drafted on the day that it is supposed to be due like the contract was signed for. That payment of August being taken out early, if I had not made a cash deposit, would have caused my account to overdraft due to improper billing procedures. When I had noticed this, I called up [redacted] to address my concerns and have my questions answered. When I had asked them to provide me with a copy of my contract and that l was going to come on my lunch to it pick up, [redacted] said that was no problem. When I got there, [redacted] was very nice and was trying to find my contract, as he could not provide me at the time with it because no one knew where it was. Later that night when I went back to the gym to workout they still did not know where the contract was so I wrote [redacted] the manager, a note stating I did not want any money drafted from my account until my contract was found and I could see the correct date for when my payments should be taken out. I received a phone call from [redacted] saying she had found my contract and was going to email me a copy, which she had done. I called back and asked to speak to [redacted] and left a message asking [redacted] to call me back with an answer as to why my payments were being taken out early when my contracts states otherwise. She called me, and told me that this is how it's been done and that this hasn't been a problem in the past but why all of a sudden now is it a problem. She told me that this is the way it was and there was nothing anyone could about it. Since that answer doesn't really answer anything and still leaves me with concerns as to why my contract was breached I tried to go further by having a family lawyer as well as my mother call [redacted] Neither of those calls we're returned. When my mother had called in September in regards to this issue and asked to speak with [redacted] answered the phone told my mother [redacted] was not in and transferred her to [redacted]. [redacted] was more concerned about who was calling and why they wanted to speak to [redacted] My mother proceeded to then ask for the Regional Managers name and contact information since [redacted] was not returning any phone calls. My mother kept asking [redacted] for the information as he kept refusing and asking why she needed the information. My mother proceeded to look online for the information since she was not given any. 50, | called up the [redacted] location asking for [redacted], the regional manager to speak with him. I spoke with [redacted] on Tuesday September 10th about this problem. She was shocked that they were not doing anything about my issue. I had left a message for [redacted] as he was not in. I called up again about a week later since I had not heard from [redacted] and l was told by the manager there that he was on vacation and they would make sure he returned my phone call, which I am still waiting for. My other problem is that my contract states on May 1St an annual fee is supposed to be taken out for the amount of 39.00. However, it was taken out on September 9th which is also not the date the contract was signed and initialed for. So when they had found my contract which at the time I did not owe any money, all of a sudden that day when I had left I saw that they drafted another 39.00 from my account for the annual fee, which I think would not have been due since I was not there for an annual billing cycle. I called up yet again and spoke to [redacted] asking if [redacted] was going to be in on Saturday the 14th and that I would be needing to speak with her. She told me yes she was going to be in and that she would be able to speak with me then. As my concerns were still not addressed 1 went in on that Saturday, the 14th, to drop off my cancelation letter for the month prior, like my contract states and [redacted] was conveniently last minute wedding dress shopping and was not in. I cannot begin to stress how dissatisfiedl am with the billing department and the management that you have staffed as absolutely none of my concerns except for sending me a copy of my contract have been addressed to this dateDesired Settlement: I don't feel I should be charged for the annual fee and for my month in advance cancelation clue to the fact I was not having my concerns addressed or acknowledged. I would have stayed at the gym because it's a great facility but the management has ruined that opportunity. Being a competitive athlete and dealing with TONS of different gyms with professional staff and athletes, l have never been treated this way nor has any problems been addressed in the manor that your gym staff has done. I appreciate you taking the time to read this letter and to look further into this matter, as I’m sure I'm not highlighted where the billing drafts and posts are shown from my checking account and copies of my contracts. If you have any questions, or would like to speak to me my phone number is [redacted] which is my cell phone and can be reached at any time. Or if email works better for you my email address is [redacted]

Maybe you should consider doing an undercover boss type event. Perhaps you may get some insight as to matters and the service within your facilities.

Thank you for reading my concerns and for your time.

Review: I am a member of Crunch gym in [redacted] New Jersey. I signed up for personal training session in February. I way charged 180.00 monthly for the sessions. I was told by the trainer that anytime I wanted to stop the sessions to make sure I let him know 30 days before the next billing, in which I did countless times via person and text. However, I continued to be charged from May on. After reaching out to the managers, writing a letter, and signing a claim to stop charges with the gym, I continue to be charged. Most frustrating is that I have tried to contact the managers several times and they will not get back to me. [redacted] has disputed the charges in June, but management said I had never filled out a form to stop them. I was never made aware of their policy, however, I made sure to fill out a form, write a letter, etc. This month I was charged again. Now [redacted] is disputing this case for the second time. The lack of professionalism is unacceptable.Desired Settlement: I want the Revdex.com to reach out to crunch, specifically, manager, Marc to make him aware a claim has been filed against him and his lack of customer service professionalism. In the meantime the customer (me) is seeking adjustment through her credit card company for the second time. If this cannot be resoled, I will take legal action.

Review: The recruiter who signed me up represented to me that the gym would notify me prior to billing for a one-time $24/mo. offer. I told the recruiter that I would be paying cash, and to send me the bill so I could pay the bill in cash. The recruiter told me he would do so. Despite sending follow-up emails inquiring about the billing, Crunch Gym automatically billed my credit card not just for the month, but for the following month as well as for the annual fee.Desired Settlement: I will obviously pay for the one month I agreed to and during which time I used the gym. However, I would like a refund for the second month I was billed for and a refund of the annual fee which I was never told about and never agreed to.

Review: World Gym, entered into a contract for fitness services with my MINOR son [redacted] who was 16 years old when he signed the agreement. I have called and sent several cease and decease letters asking World Gym to close the account and to void the existing agreement because it was signed when my son was a minor.Desired Settlement: The actual balance of $ 40.99 needs to be zeroed out because the contract was not not valid to begin with

Review: I joined the World Gym in May 2013. Since I never used my membership, I decided to cancel it on September 30, 2013. When I initially joined the gym I paid for my first and last month membership costs. This should have covered October 2013. This gym keeps calling me threatening to put the $30 balance on my credit report if I don't pay it. These costs include one additional month ($10) plus an annual fee ($20) that was charged in late October 2013. This is ridiculous especially since my dues were covered until the end of October 2013. The representatives keep telling me that I still owe them for the $10 fee for October 2013 and November 2013 fees would be covered even though I cancelled on September 30, 2013. They are doing this so they can try to collect more money from me by billing for that $20 annual fee. When I went to the gym on September 30, 2013 to cancel, I was told by a representative that everything would be fine since I paid for my last month in advance so I could stop my automatic payments. She stated that it will take longer for them to stop the payments so I could do it on my end. After I did that, the customer service department started harassing me about the $30 payment. Although I tried to explain to the customer service reps. the situation, they weren't helpful. At the time I signed up, I was never told that I had to give a thirty day written notice to cancel. This clause was on the cancellation notice that I completed on September 30, 2013. This is why I asked the representative about it to make sure everything would be fine. She stated that the 30 day notice was only to allow them enough time to stop the automatic payments but if I wanted to stop it on my end that would be fine too. Now, they are not willing to drop these fees. I stopped in the gym in October to speak to the club manager but he wasn't there. I left my name and phone number for him but he never called me back.Desired Settlement: Clear my account to a $0 balance.