IAB Benefits International Association of Business rip-off Texas USA
IAB, IAB Benefits, International Association of Businesses ripoff abused & mistreated false promises ripoff deception tricked and lied to us Unknown Texas .....
We spoke to a Broker from LosAngeles CA. We were quoted a price of $109.00 per month for PPO, with SOME insurance benefits. We were told that we had 30 (thirty) days to view the plan. If we excepted it, we did nothing, the money would be taken from our visa/debit card. The member application was faxed to us. We filled it out, faxed it back. (Sorry, we no longer have the fax number). On the member application.......it asked WHAT DATE did we want payment to start. We clearly filled in, FEB 1, 2003.
Well, $184.00 was taken from our account on JAN 15, 2003, putting us in overdraft status. It took us awhile to figure out what it was. With the help of the bank, we finally found out it was for the IAB. Then we found out, it was $184.00 because there was a $75.00 processing fee which NO ONE told us about. IAB admitted on the phone that it was THERE mistake, yet they refuse to credit it money back to our account, it is against there policy. The people we have contacted at the 800 number, are ruthless. They just hang up on you. The original broker, Christopher Randolph, out of CA, claims that NONE of these things were told to us, that we KNEW it would be taken out AS SOON as it was processed, yet we still hold the original copy that clearly states otherwise.
Today, Jan 23, 2003, our account is now overdrawn $246.42 due to THEIR mistake, and transactions that have came thru, which of course were unpaid, and we are being charged an overdraft fee each time this occurs. IAB STILL refuses to refund/credit our money. The whole thing was a scam from the get go. Since THEY got our debit/visa number, phone number and address, we have gotten calls to confirm orders that we did not order from companies we know NOTHING about. We have received invoices from magazines we DID NOT order. And we are getting many many telemarketing calls for things we have NO KNOWLEDGE of.
I just now found out about two charges on our account, which I just filed a report on with J. Cross Marketing, and we believe that IAB is behind this, because the charges were charged to my husbands card, and he has NEVER used that card for ANYTHING other than AIB.
Rod and mary
Steubenville, Ohio
U.S.A.
1 Updates & Rebuttals
Erik
Orange,California,
U.S.A.
That was a Misunderstanding or a Broker who misrepusented the program
#2REBUTTAL Individual responds
Wed, February 19, 2003
I am an independant broker of IAB and it is very clear to me that the broker that signed these poeple up did not make everything clear to the person that signed up.
With most any memberships or insurance plans there is a one time setup fee or signup fee plus the first months membership fee or premium. My signup fee is $100. there are different membership levels depending on the needs of the prospective client.
They signed up for the top plan of $109 a month On the IAB signup application which is only one page. It states clearly that you have a 72 hour cancelation period by law.
The company gives a 30 day money back garuentee and will refund the membership fee in the first 30 days. The signup fee is a nonrefundable item and the client should have been told everything upfront. If the broker was told not to run the application until a certen date then he or she should have honored that.
As far as the other problems with there debit card I would contact the bank and get the charges reversed. But the magazine subscriptions and the telamaketing calls I realy dought they are connected to IAB.
I checked this company out before becoming an independant broker. They currently and 3 years back have no complaints with the BBB and they have been in business for 20 Years as a nonprofit comany.
Even the Vic President of the United States endorses them. What they provide to communities is access to health care that alot of people would be denied. I am on the $109 plan myself and it has saved me literaly thousands of dollars a year in health coverage.
In that plan is 27 different bennefits, 7 of them are fully insured bennefits and my whole family is covered. I have copies of medical bills if any one wants them and if any one has any conserns about this program they can contact me at: 888-558-4528