• Report: #212122

Complaint Review: National Health Care Discount

  • Submitted: Thu, September 21, 2006
  • Updated: Sat, December 22, 2007

  • Reported By:San Antonio Texas
National Health Care Discount
6520 W. 110th St., Suite 202, Overland Park, Kansas U.S.A.

National Health Care Discount Work at Home Scam! Illegal or not Overland Park Kansas *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE EX-employee responds: NHCD Scam not truly a scam

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I will be going to college soon, so I was in need of a job with flexible hours. While searching online for job postings, I had came across National Healthcare Discount, or NHCD.

The first thing I noticed was the job offer was via internet. I had immediately became skeptical. I never been a person to trust anything that comes from the internet. Yet, I was talked into giving it a try, so I applied. It didn't take long for me to receive a call from a recruiter. Her name was Allison, and she was very kind and very soft spoken, so much that it was hard for me to understand what she was saying. She didn't explain about the company just the benefits and pay. She had emailed me a number to call for my scheduled orientation.

I had missed my orientation and wasn't sure what I was going to do. Luckily a woman had called me from the company to reschedule. She even had sent an email for a code to get the training package (and the number to call for training) aswell as a reminder that $29.95 will be deducted from my account within the first week, but never explained why the withdraw. I called in for the orientation and was amazed how much other people where there aswell. I kept silent so I could concetrate on how the company worked. The woman giving the orientation had explain about the benefits and talked about personal situations on how the discount helped her. During her speech she talked about the monthly fee for using the discount which happened to be the same price as the amount they were going to take out. I was pleased to finally have a reason why the money was going to be taken out and even more so, when she said it the company was to pay for the fee to get it started and pay the first month. At the end of the orientation she told us we would get a called back from her, to see if we wanted to use the discount since it was optional to have it, and that we had five days to decide.

I had received my callback within a few hours and had told the woman I still needed time to think about it. I had then went online so I could get the training packet, as well sign the contract (which you had to sign first before you could download the training guide) When the contract appeared on my screen, I made sure to read everything. Thats when I finally saw what the withdrawn on my account would be used for. The telephone service they want you to use was to be automatically withdrawn each month. I had a problem with this since, I talked with my father and with the phone servive I had, there was no need to use the one that they offered.

I had not signed the contract.And even called Jennifer Grannan, who was to be my team manger, to tell her that I had a problem with the contract and could not attend the training because I couldn't get the training packet.

I never got a call back ever again.It hadn't bothered me, atleast not until I call my bank to check my account and there was an unauthorized charge. Now as I mentioned I am about to go to college and I have no money, thus the reason I was looking for a job. Since they took out the money from my account, I've became overdrawn and now I have overdrawn charges which makes me owe more than double the amount they took out. I called my bank and they told me to contact the company to get my refund. I had contacted the company and I am still awaiting a response, its been more than two weeks, but I am trying to be paitent.

Now, honestly I wouldn't mind that they took out what they did and do not want to refund my money if I had actually started to work for them. But I hadn't became an official employee since I never signed the contract and we never had contact since then.

So now I am wondering if it is legal for them to do that to me? I am young and don't fully understand my country's legal system.Oh, something unexpected came up just as I was filling this out.
I just received an email from the Assistant Production Manager; Ann Pauley. The email is as follows:

'Good morning (My name); I am trying to contact you about a work @ home position with NHCD. NHCD has been in business for over 15yrs., we are a health & Rx care plan provider. You need internet access. We provide you with free training over a toll free 800# & start you out in our leads generation dept. There is no selling & we provide you with a secured list of #'s. You are paid $8/hr & we ask that you click on for a least 2hrs & provide 2 leads/hr. If you would like we can train you in our enrollment specialist dept., were you are enrolling clients in our health & Rx plan, which pays $50/enrollment. Management & positions in personnel are also available & we only hire from within the company. You will be an independent contractor for NHCD, so your pens, paper, & monthly internet service or anything that you use for the company are tax deductible. You can work whenever you want and we provide you with a manager if you should ever have any questions. You are mailed a pay check every Monday. You will be making out bound business calls through out the U.S. & we don't want you to have any long distance phone bills, so we provide you with an auto dialer & your own business #. The cost of the auto dialer is $18.95/mo. which is tax deductible & gives you unlimited business calls. NHCD also provides you with health & Rx discount coverage. We do ask for a security deposit for the auto dialer, which is $49.00 & is refunded back to you after you have worked for the company for 10 hours. The reason why we ask for the security deposit is, because we just can't give out the auto dialer, we would like you to be sincere about the position. Please call me when you get a moment with any questions you may have. There is no investment to work with NHCD. I hope you find this position as rewarding for you as it is for me.
Thank you;
Assit; Production Manager; Ann Pauley
toll free; 1-877-481-0751
Corp; # 1-800-720-5055 ext;245'

I suppose I should call the number so try for a refund again.If you have any advice for me, I would appreciate it. Thank you.

San Antonio, Texas

EDitor's Suggestions on how to get your money back!


Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!


Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.


If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

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This report was posted on Ripoff Report on 09/21/2006 03:30 PM and is a permanent record located here: http://www.ripoffreport.com/r/National-Health-Care-Discount/Overland-Park-Kansas-66211/National-Health-Care-Discount-Work-at-Home-Scam-Illegal-or-not-Overland-Park-Kansas-EDit-212122. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 UPDATE EX-employee responds

NHCD Scam not truly a scam

AUTHOR: Drhennen - (U.S.A.)

I worked for NHCD about three years ago. The fee was for the phone service they used which billed them for all the long distance calls that were made. My first month I made about $1000 with them. My idea of a scam would be one that doesn't pay off in the end. Being a business owner I fully understand a start-up cost. Not refunding your money is a different matter. I can totally understand your frustration with that.
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