- Report: #798253
Complaint Review: PMA Conseco
Related Reports
Featured Ripoff Reports
Ripoff Reports
Ripoff Report on CBS 19
Ripoff Report on CBS 19 - Global Marketing Alliance
Ripoff Report on ABC 15 - Smart Shopper
Ripoff Report - Girls Gone Wild
Ripoff Report on Fox 11 - Car Repair
Special Features
-
Doctored Reviews is designed to help patients, doctors, and websites understand the problems created by Medical Justice, a company trying to restrict online patient reviews, and to offer some ways that let patients freely talk about their healthcare experiences. -
The government should serve voters, not corporate special interests. Public Citizen works to empower ordinary citizens, reduce the influence of big corporations on government, open the government to public scrutiny, and hold public officials accountable for their misdeeds. -
WHAT YOU NEED TO KNOW ABOUT THE BBB: NOT a government agency as listed in your local phone book. Instead the BBB is a private non-profit / franchise operation. 20/20 exposes the BBB, Hamas Terror Group Gets 'A' Rating - BBB is running a "pay for play" scheme.
| PMA Conseco 122 lane
Upstate, South Carolina United States of America |
|
PMA Conseco Dishonest about how well his agemcy was doing Upstate, South Carolina
*UPDATE Employee: me too
*Consumer Comment: PMA
*UPDATE Employee: Very satisfied with PMA
*UPDATE Employee: PMA Conseco
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
I can't let this go any farther without telling what happened to me.
I am a hardworking individual whose never paid a bill late a day in my life. I don't (and can't) live outside of my means. I do not own an iPhone with every app and I don't wear $150 jeans. I'm someone trying to make a living.
I was approached by a guy through my sister, who was a friendly acquaintance of ours. He comes from a nice family. He seems like an honest character. Anyway, he ask me if I would be interested in interviewing with him to work for his division of PMA. I agreed to meet with him.
He showed me the business module. The module is based off of going to businesses and government buildings to sale cancer policies, heart & stroke policies, and universal life products. He has a woman who "gets" appointments for us to be at these locations. He assured me that his agents were making a great living. I did not want to insult him, but I asked him a few more times about how his business was doing. He assured me that his agents were doing well.
He said that the agents are responsible for their lodging (hotel for out of town work) and fuel. He said they offered a program to get started: $500 advance per week for 6 weeks which equals $3000. He said that I would make it back in no time.
The first three weeks was good. The next eight weeks was a disaster. I was traveling all over the place (South Carolina, Tennessee, and Virginia) to government buildings, schools, and business to enroll people on cancer and heart & stroke policies. These places were in horrible financial shape. Nobody was buying. I was going broke fast.
I called my manager and told her that I had to leave the company. I wore out my car and my nerves. She insulted by telling me that I didn't want to work. That was a fun conversation.
Fast forward 6 months. I receive a letter in the mail demanding for me to pay back the $3000 and then some. They were threatening me that they would file legal action and put the collection on my credit.
Grant it: I'd never paid a bill late a day in my life. My credit was not bad. I could not pay back the money.
In January, I received a call from a collector. I offered him what I could. He declined but said he would work with me. I ask him if it would go on my credit. He assured me that it would not show on my credit.
He told a lie. He had already put the collection against my credit. I did not find out about this action until I pulled my credit score ten months later. By the way, I was pulling my score to apply for a low interest credit card to pay off high interest cards I have. Unfortunately, because of my score, I was declined.
I have been honest. I have not ran the guy's name (guy who hired me) through the mud. I have stayed away from being dishonest. I wish he would learn the same trait.
I would not have went to work for this guy if he was honest about the stability of his business. I would not owe now $4000 plus if he was honest. He was ridiculously misleading.
Anyhow, stay away from PMA and other companies like PMA. Remember, there are people who make money in every industry. Most of the time it's the people near the very top. Kinda like a pyramid scheme. Everybody below gets hurt and they pay dearly
I am a hardworking individual whose never paid a bill late a day in my life. I don't (and can't) live outside of my means. I do not own an iPhone with every app and I don't wear $150 jeans. I'm someone trying to make a living.
I was approached by a guy through my sister, who was a friendly acquaintance of ours. He comes from a nice family. He seems like an honest character. Anyway, he ask me if I would be interested in interviewing with him to work for his division of PMA. I agreed to meet with him.
He showed me the business module. The module is based off of going to businesses and government buildings to sale cancer policies, heart & stroke policies, and universal life products. He has a woman who "gets" appointments for us to be at these locations. He assured me that his agents were making a great living. I did not want to insult him, but I asked him a few more times about how his business was doing. He assured me that his agents were doing well.
He said that the agents are responsible for their lodging (hotel for out of town work) and fuel. He said they offered a program to get started: $500 advance per week for 6 weeks which equals $3000. He said that I would make it back in no time.
The first three weeks was good. The next eight weeks was a disaster. I was traveling all over the place (South Carolina, Tennessee, and Virginia) to government buildings, schools, and business to enroll people on cancer and heart & stroke policies. These places were in horrible financial shape. Nobody was buying. I was going broke fast.
I called my manager and told her that I had to leave the company. I wore out my car and my nerves. She insulted by telling me that I didn't want to work. That was a fun conversation.
Fast forward 6 months. I receive a letter in the mail demanding for me to pay back the $3000 and then some. They were threatening me that they would file legal action and put the collection on my credit.
Grant it: I'd never paid a bill late a day in my life. My credit was not bad. I could not pay back the money.
In January, I received a call from a collector. I offered him what I could. He declined but said he would work with me. I ask him if it would go on my credit. He assured me that it would not show on my credit.
He told a lie. He had already put the collection against my credit. I did not find out about this action until I pulled my credit score ten months later. By the way, I was pulling my score to apply for a low interest credit card to pay off high interest cards I have. Unfortunately, because of my score, I was declined.
I have been honest. I have not ran the guy's name (guy who hired me) through the mud. I have stayed away from being dishonest. I wish he would learn the same trait.
I would not have went to work for this guy if he was honest about the stability of his business. I would not owe now $4000 plus if he was honest. He was ridiculously misleading.
Anyhow, stay away from PMA and other companies like PMA. Remember, there are people who make money in every industry. Most of the time it's the people near the very top. Kinda like a pyramid scheme. Everybody below gets hurt and they pay dearly
This report was posted on Ripoff Report on 11/15/2011 11:41 AM and is a permanent record located here: http://www.ripoffreport.com/r/PMA-Conseco/Upstate-South-Carolina-/PMA-Conseco-Dishonest-about-how-well-his-agemcy-was-doing-Upstate-South-Carolina-798253. 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.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Click Here to read other Ripoff Reports on PMA Conseco
Search for additional reports
If you would like to see more Rip-off Reports on this company/individual, search here:
Search Tips#1 UPDATE Employee
me too
AUTHOR: mack - (United States of America)
SUBMITTED: Friday, November 18, 2011
Memorize a speech run all over the state at your own expense than have your credit ruined. Where do I sign up> DUH
Respond to this report!
What's this?
Some people are good in sales positions, and some aren't. However, EVERYONE should be able to read an employment contract, which, apparently you failed to do before signing. You have no one to blame but yourself. Pay the money back and get on with your life.
Respond to this report!
What's this? #3 UPDATE Employee
Very satisfied with PMA
AUTHOR: Insurance Sales - (United States of America)
SUBMITTED: Friday, November 18, 2011
I'm sorry that you had a bad experience with PMA. The insurance business can be tough in the first year, so I can definitely relate to your frustration.
However, I don't feel that you are correct by saying that your manager lied to you, or ripped you off for $4000, as you claim.
I've been with PMA for almost 7 years. I was field trained for 2 to 3 weeks, just like you, and I've sat in those government offices and traveled those roads... just like you. Sales can be hard & insurance sales can be especially hard, but persistence and a willingness to implement the training that you were given is the key to success in this job and any you take in the future.
When you were brought on board you signed contracts agreeing to take those $500 preadvances (which are optional, and most people do not take all six.) It states clearly that if you decide to terminate your employment with PMA that they have to recoup that money, otherwise people would just come on for 6 weeks, take the $3000, and run.
As far as places being in "horrible financial shape" and "nobody was buying," I can tell you that even in this economic downturn, more and more people are finding the value in supplemental insurance, and if you implement our system correctly, you can communicate that need with an employee and find a solution that will fit in their budget. Maybe you just didn't believe in your product, maybe you just weren't able to get the message across.
Lastly, nobody has lied to you about the success of the organization in the Carolinas and Tennessee. Right now we currently have 5 agents in the top 20 for the entire country, 3 out of 6 of our Sales Team Leaders are in the top 10, both of our Regional Managers are in the top 3, and we have the #2 Area Team in the entire country. To say the least, we have found success, and our organization continues to grow and prosper, even in these tough times.
Again, I'm sorry that you had a bad experience. This is not the opportunity for everyone. However, I feel that the accusations of lying and fraud are unsubstantiated, and I felt like I should present my side.
However, I don't feel that you are correct by saying that your manager lied to you, or ripped you off for $4000, as you claim.
I've been with PMA for almost 7 years. I was field trained for 2 to 3 weeks, just like you, and I've sat in those government offices and traveled those roads... just like you. Sales can be hard & insurance sales can be especially hard, but persistence and a willingness to implement the training that you were given is the key to success in this job and any you take in the future.
When you were brought on board you signed contracts agreeing to take those $500 preadvances (which are optional, and most people do not take all six.) It states clearly that if you decide to terminate your employment with PMA that they have to recoup that money, otherwise people would just come on for 6 weeks, take the $3000, and run.
As far as places being in "horrible financial shape" and "nobody was buying," I can tell you that even in this economic downturn, more and more people are finding the value in supplemental insurance, and if you implement our system correctly, you can communicate that need with an employee and find a solution that will fit in their budget. Maybe you just didn't believe in your product, maybe you just weren't able to get the message across.
Lastly, nobody has lied to you about the success of the organization in the Carolinas and Tennessee. Right now we currently have 5 agents in the top 20 for the entire country, 3 out of 6 of our Sales Team Leaders are in the top 10, both of our Regional Managers are in the top 3, and we have the #2 Area Team in the entire country. To say the least, we have found success, and our organization continues to grow and prosper, even in these tough times.
Again, I'm sorry that you had a bad experience. This is not the opportunity for everyone. However, I feel that the accusations of lying and fraud are unsubstantiated, and I felt like I should present my side.
Respond to this report!
What's this? #4 UPDATE Employee
PMA Conseco
AUTHOR: Agent - (United States of America)
SUBMITTED: Friday, November 18, 2011
PMA is the best thing that has ever happen to me professionally! PMA stands for Performance Matters Associates. And that's because performance matters! I have been with PMA for a few years and I have seen a handful of folks just like this one come through the organization. All hat, no cattle! We have a proven sales system that works very well, however, that system requires much hard work! I have personally seen people's lives be changed because of their success with PMA. PMA's training is second to none in this business, I have been a part of others. PMA is not for everyone, however, it has been life changing for me. And by the way, because of PMA, I have an iPhone with with many apps and i love my nice jeans!
Respond to this report!
What's this? 
