Complaint Review: COMMONWEALTH BENEFIT PLAN - HEALTHCARE PRIVILEGES - VIRGINIA BEACH Virginia

MEGZZ, SEEMS YOU WORKED FOR FINANCING ALTERNATIVES AND DID NOT HAVE MANY GOOD THINGS TO SAY ABOUT THEM, ESPECIALLY AFTER THE VIRGINIA STATE ATTORNEY GENERAL SHUT THEM DOWN FOR TAKING MONEY AND NOT DELIVERING THE COMPUTERS THE CUSTOMERS WERE PROMISED, LETS REVIEW YOUR COMPLAINT Megzz0385 Chesapeake, Virginia U.S.A. Used to work there... complete rip off!! About 2 years ago I went through training for this company, and didnt finish because I saw what a rip off it was. They encouraged you to tell people that since their credit was less than perfect, it was the only way to go. The computers were outdated, pieces of crap, and they charged you for 3 months until you even got the computer!!! I really hate to tell you this, but the company just went under about 6 months ago. Bankrupt. It was in the news in some places, and apparantly there are THOUSANDS of people who were gipped out of their computers. Maybe you could try and find out how to contact them to join a case... but theres no way to contact them at that number or address, seeing as the company up and left 6 months ago. Im really sorry. These people make me sick. T, I STAND CORRECTED, YOU ARE NOT AN OFFICER OF CBP, YOU ARE A LOW LEVEL TELEMARKETING EMPLOYEE WHO DOES SELL OUT VERY CHEAP, AND YOU ARE TWO FACED. CBP IS NO DIFFERENT THAN FINANCING ALTERNATIVES, YOU ALREADY KNOW THAT. I WILL NOT WISH YOU TO ANOTHER COUNTRY TO INFECT, SIMPLY HOPE THAT YOU WILL GET ENOUGH OF AN EDUCATION TO LEARN TO COVER YOUR TRACKS IF YOU ARE GOING TO PLAY BOTH SIDES OF THE ROAD. GOOD LUCK.

TO Megzz0385 Chesapeake, Virginia U.S.A. RE: YOUR COMMENTS BY THE TONE OF YOUR WORDS YOU MUST BE A OFFICER OF THE COMPANY, HAVING SAID THIS, ANYONE WOULD EXPECT YOUR DENIAL OF ANY WRONG DOING. YOU IMPLY YOUR CUSTOMERS ARE IGNORANT, WHAT A WONDERFUL WORK ETHIC! NO DOUBT, YOUR ADDITUDE REFLECTS THE ENTIRE ORGANIZATION. GOOD LUCK IN THE REAL WORLD WHERE MOST PEOPLE IN THE SERVICES INDUSTRY TRY TO PROVIDE RESOLUTION TO ISSUES INSTEAD OF A DEFENSE AND DENIAL, YOU WILL NEED IT! YOU KNOW YOU SOLD OUT VERY CHEAP TO THOSE OWNERS, YOU KNOW YOU DID!

I am a current employee with this company, and I deal day in and day out with people who call in and play dumb to the fact that a telemarketer called them, offered some grocery coupons to try out the service, and then they completely forget what the charge is. Let me ask, why on earth would a company call you and say "Hey, let me send you out a free package, and you should check it out." Its a business people. I dont feel an ounce of sorrow for anyone who talks with a telemarketer and gets "Hassled" into it. There was an invention that came with the phone, and it is the phone hook. This nifty little invention allows you to hang up on any phone calls, at any time, for any reason. These telemarketers deal with 1000 hang ups a day, and suddenly they pressured you? Really... arent we all adults. Watch your money, and every time a company charges you for a service YOU ACCEPTED, quit behaving as though calling and cussing them out, being an all around a-hole, or crying on the phone will fix everything. And if this company was such a scam, why is the 1800 number next to the charge on your credit company? Oh, such a scam... how dare they provide you with contact information. Grow up, and if you cant be responsible enough to handle your money, aggressive enough to tell these telemarketers NO (OR HEAVEN FORBID HANG UP THE d**n PHONE) then maybe you should do society a favor and find another country to infect...

I worked for Commonwealth for 2 years and I can say that the person who said they don't take no for an answer is absolutely correct. I would be asigned the task of listening to the recorded conversation between the potential client and the telemarketer. If a No answer was clearly stated and the customer was billed anyway then a refund will be given to the customer but if a yes is clearly given then you are you may be offered a refund but that is solely the choice of the CSR. The catch to all this is, when the customer is contacted they are offered several different things before healthcare privilages is offered. by this time the customer is just ready to get off the phone and agrees but forgets to cancel. There is nothing mailed to the customer to remind them that they have the program and most of the time the customers do not recieve there packages of literature until billing is almost due. The trick is you have 30 days at a discount rate and then billed the full price after 30 days. They are told only once that the 30 days begins the day they accept the service on the telemarketing call. After all is said and done, the time between the telemarketing call and the receipt of your package is about 10-14 days so you honsetly only have to weeks to try out the plan. Forgeting to cancel is so easy to do especially when you have about 4 different things offered to you on one call and the numbers to cxl are only given once unless you ask them to repeat it. I am deeply apologetic to all those people I couldn't give refunds to but most employees (anywhere in customer service) are faced with the fact that if they give you your money back to many times, they run the risk of being fired and not being able to feed their own families. It is a very immoral world we live in these days and you are forced to do what you have to do.

10. Commonwealth Benefit Plan P.O. Box 2219 Virginia Beach, VA 23450-2219 The Offer: A Rockville consumer declined a telephone sales pitch from Commonwealth Benefit that offered a discount medical product and service plan. The Complaint: The company enrolled the consumer in the plan and charged the consumer's credit card $38.95, even though the consumer had declined the offer and had not authorized any charges to her credit card. The Outcome: DCA obtained a full refund for the consumer. Commonwealth's president stated that he listened to a recording of the sales call in question and it "does not meet our criteria for a sale, and was inadvertently submitted, as a result of human or computer error." Commonwealth is also under investigation by the Office of the Virginia Attorney General. Consumers can learn more about these scams, receive pre-purchase advice, and check the complaint records of businesses in Montgomery County by calling Consumer Affairs at 240-777-3636 or by going to DCA's website, hca.emontgomery.org/Consumer. To learn about the latest consumer scams, news and alerts, click on "Consumer Alerts."

NEW BENEFITS 14240 Proton Road Dallas, Texas 75244 800.800.8304 972.404.8192 972.991.5218 fax

NEW BENEFITS 14240 Proton Road Dallas, Texas 75244 800.800.8304 972.404.8192 972.991.5218 fax

NEW BENEFITS 14240 Proton Road Dallas, Texas 75244 800.800.8304 972.404.8192 972.991.5218 fax

NEW BENEFITS 14240 Proton Road Dallas, Texas 75244 800.800.8304 972.404.8192 972.991.5218 fax

1. AQWANDA YOUNG (757) 961-1824 113 Wales Dr, Virginia Beach, VA 23452 2 FLOYD KURILOFF-OWNER 7100 OCEAN FRONT AVENUE VIRGINIA BEACH , VIRGINIA 23518 HOME ASSESSED VALUE Fiscal Year 2008 - Effective 07/01/2007 - 06/30/2008 Land ValueTotal Improvement ValueTotal Assessed Value$ 2,145,000 $ 448,069 $ 2,593,069 BUSINESS ASSESSED VALUE- 945 SEAHAWK CIRCLE/CBP ADDRESS Fiscal Year 2008 - Effective 07/01/2007 - 06/30/2008 Land Value Total Improvement Value Total Assessed Value $ 278,300 $ 1,198,043 3. MANNING, TANE MARIE (Age 43) Associated names: FENNELL, TANE M VIRGINIA BEACH Possible Relatives: MANNING, CLARA M (Age 73) FENNELL, CHARLES MANNING, WILLIAM MANNING, WILLIAM T MANNING, SPENCER O (Age 39) MAUNING, ALFRED P (Age 66) Possible Roommates / Associates: SHANNON, ELEANOR K CARNEY, MEGAN E (Age 30) 4. Anthony A Bender/ PRESIDENT-COMMONWEALTH BENEFIT PLAN/HEALTHCARE PRIVILEGES 112 S Ridgeley Rd Norfolk, VA 23505 (757) 423-0505 PREVIOUS ADDRESSES Conifer, CO Denver, CO Littleton, CO Marietta, GA East Northport, NY Northport, NY Alexandria, VA Arlington, VA Norfolk, VA Virginia Beach, VA (YOUR HARD EARNED DOLLARS PAID FOR THIS MANS HOME AND BUSINESS PROPERTY, THE DOLLARS SCAMMED FROM YOU!!!!!!!)

[email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] OR [email protected] MAIN EMAIL ADDRESS [email protected]

[email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] OR [email protected] MAIN EMAIL ADDRESS [email protected]

[email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] OR [email protected] MAIN EMAIL ADDRESS [email protected]

[email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] OR [email protected] MAIN EMAIL ADDRESS [email protected]

AQWANDA YOUNG (757) 961-1824 113 Wales Dr, Virginia Beach, VA 23452 SHERREL BAKER TANE MANNING NICK NAYLOR RICHARD FOREHAND LINDSEY HICKEY ANTHONY BENDER BETTY KURILOFF FLOYD KURILOFF

This company also contracts with an overseas credit card processor in the country of Lebanon. This processor charges a fee based on the value of the dollar on any given business day. This fee generally appears on the customers credit card statement as (Lebanon) and the fee is listed separate from the monthly fee charged by CBP. This overseas transaction my indicate an attempt by CBP to hid income from the IRS, state or any other applicable government agency. You will need to dispute the overseas transaction fee separate from the charges on your bill by CBP/Healthcare Privileges.

YNOT DIRECT Email: [email protected] Phone: 757.301.3415 Toll Free: 1.888.816.8483 Fax: 757.301.7938 Address 1600 East Little Creek Road, Suite 303 Norfolk, VA 23518 ynotdiscounthealth.com

The company calling is Quality Resources located at 28870 US Highway 19 N, Suite 200, Clearwater, FL 33761-2573, Telephone: (888) 527- 2589, Fax: (727) 669-2242. Based on BBB Clearwater, FL files, this company has an unsatisfactory record with the Bureau due to failure to respond to one or more complaints and two or more unresolved complaints. However the business has resolved most complaints presented to the Bureau.

Quality Resources (telemarketers) 28870 U.S. Hwy. 19, N Clearwater, FL 33761 Phone: 727-712-2221 or 727-712-0382 EMAIL=sellingshortcuts.com

Kuriloff, Floyd M 7100 Ocean Front Ave Virginia Beach, VA 23451-2036 (757) 417-7440

Kuriloff, Floyd M 7100 Ocean Front Ave Virginia Beach, VA 23451-2036 (757) 417-7440

Kuriloff, Floyd M 7100 Ocean Front Ave Virginia Beach, VA 23451-2036 (757) 417-7440

Kuriloff, Floyd M 7100 Ocean Front Ave Virginia Beach, VA 23451-2036 (757) 417-7440

These other services offered and billed to your credit card in the same call are Preferred Shoppers Edge, Shopping Essentials, possibly magazines and vitamins

The owners of this company are Floyd and Betty Kuriloff of Virginia Beach.