• Report: #33603

Complaint Review: Procard International

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  • Submitted: Mon, October 28, 2002
  • Updated: Thu, January 10, 2008

  • Reported By:Florala Alabama
Procard International
13748 Neutron Road Dallas, Texas U.S.A.

Procard International rips you off! They steal your money! ripoff abused & mistreated ripoff the business that doesn't give a dam ripoff waste of time Dallas Texas

*UPDATE EX-employee responds: No, it's NOT Strange...

*Consumer Comment: Procard Intl guarantees Their profit ONLY !!! SHAME ON YOU, PROCARD INTERNATIONAL !!!

*UPDATE Employee: Please ask the company!

*Consumer Comment: I usually walk with an open mind

*Consumer Suggestion: Posts of a feather, flock together

*UPDATE Employee: Procard International - NO Scam, NO Nonsense!!

*UPDATE Employee: Fabulous Products and Super Customer Service!

*Consumer Comment: Procard Scammers

*UPDATE Employee: Clarification and Suggestions

*UPDATE Employee: Working A Job

*UPDATE Employee: Associate's visit here not "strange" at all

*Consumer Comment: The Brilliance of a ProCard Employee....

*Consumer Comment: Happy Employees?

*Consumer Suggestion: Concern about the response given to two complaints. what action was taken to prevent things like that from happening again.

*UPDATE Employee: Need More specifics Example getting leads over a week old etc

*UPDATE Employee: I work for ProCard International

*UPDATE EX-employee responds: Procard IS a scam!!!

*UPDATE Employee: ProCard International is very real & legitimate - I have always had a pleasant experience as one of their Active Associates!

*UPDATE Employee: they do need to find a solution to the deduction of bank accounts

*UPDATE Employee: I love working with Procard International!

*UPDATE Employee: I love working with Procard International!

*UPDATE Employee: I love working with Procard International!

*UPDATE Employee: I love working with Procard International!

*Consumer Comment: You are all full of it!

*Consumer Comment: Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

*Consumer Comment: Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

*Consumer Comment: Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

*Consumer Comment: Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

*Consumer Comment: Too Jennifer comments

*UPDATE Employee: Regarding these ridiculous complaints - especially Edwards!

*Consumer Suggestion: NEVER USE YOUR MAIN CREDIT CARD

*UPDATE Employee: Procards Services are Legit..I am an agent for Procard.

*UPDATE Employee: Procards Services are Legit..I am an agent for Procard.

*UPDATE Employee: I think Procard International is a Great Company!

*Consumer Comment: Customer Service Skills needed

*UPDATE Employee: Complaints are a joke!

*UPDATE Employee: Procard International is a Great Company!

*UPDATE EX-employee responds: Legal Action?? GROW UP!!

*Consumer Suggestion: why all the legal threats?

*UPDATE Employee: A final word to Tracey of Gordonsville

*UPDATE Employee: Anna - you evidently did not understand my rebuttal on this site!

*UPDATE EX-employee responds: response to Nicole Adams

*UPDATE Employee: Regarding Tracey of Gordonsville, Va's comment...

*UPDATE Employee: Complete inaccurate information reported!

*UPDATE EX-employee responds: Lisa from Cleveland ..you proved my point.

*UPDATE Employee: I have had a wonderful experience

*UPDATE EX-employee responds: I was Ripped off too by Procard International

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I was ripped off by Procard International! I signed up not only to work for them but also as a customer. They have a tiny box where you have to remove a check mark to not be charged for extra services. Guess what.........I removed the check mark! They did not! They charged me extra anyway and now they refuse to give me my money back! I have emailed them several times and I have to close my bank account to keep them from taking more money from me! They refuse to admit to their mistake and they are calling me an irresponsible liar! Procard is not worth the trouble........STAY AWAY!

Anna
Florala, Alabama

This report was posted on Ripoff Report on 10/28/2002 11:09 AM and is a permanent record located here: http://www.ripoffreport.com/r/Procard-International/Dallas-Texas-75244/Procard-International-rips-you-off-They-steal-your-money-ripoff-abused-mistreated-ripo-33603. 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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Updates & Rebuttals

#1 UPDATE EX-employee responds

No, it's NOT Strange...

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

I am responding to this post from Juliet:

"Happy Employees?
Does it seems strange to anyone else that the 'satisfied employees' that are posting rebuttals here have found their way to this website in the first place?

I had thought of working for them, but there are too many red flags here for me to continue.

Juliet
Birmingham, Alabama
U.S.A."


I previously worked with Procard and signed up as my initial bonafide lead. I also am a crew member with another work at home job... I check the Ripoff report all the time just to see what people are saying. I check it for many different companies, including the one I currently work with (I want to make sure people aren't saying misleading or untrue things... so I can correct them when they do). I am thinking of going back with Procard again (though I made no money with them before... I'm not like the others on here who probably barely put any work into it, then blamed the company for not making money. I barely put any work into it before and am big enough to blame myself, not Procard).

Also, I had NO PROBLEM cancelling, I sent the letter, they cancelled... simple as that.

"SATISFIED EMPLOYEES" are coming here and posting because they don't want people to be mislead or hear untrue things - they want to speak up for the company THEY ARE HAPPY working for. These people are like me, checking this site to correct wrongs. People don't work 24 hours a day so of course, even "satisfied employees" of Procard, have free time to come to this site and respond to posts.

Sincerely,
Kim
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#2 Consumer Comment

Procard Intl guarantees Their profit ONLY !!! SHAME ON YOU, PROCARD INTERNATIONAL !!!

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

A key feature of fraudulent scams is when no one makes money except the Rip-Off Artists. Procard International guarantees their profits right off the top. You cant even hope to evaluate their so-called "money making opportunity" until after they've made their money. Your initial payments to them is their only source of profit so don't expect them to refund anything they don't absolutely have to despite their online promises.

By the way, Procard International must have a paid position for constantly monitoring these complaints. Writing rebuttals is apparently an essential part of their occupation. Procard can afford to spend so much time here because they don't have a legitimate business to attend to.

What makes them the crooks they are and deserving of contempt is how they have no conscience against financially hurting well-meaning people who are struggling to survive, by stealing what little money they have and waisting their time, not to mention causing them torment and mental anguish.

SHAME ON YOU, PROCARD INTERNATIONAL !!!

P.S. Nothing to hide? You spell it all out in your lengthy contract??? That's what a good scam does to protect themselves, bury what you don't want us to understand deep in the bowels of your never ending legal contract. And you don't want to waste our time, as in reading the hidden contractual facts ??????
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#3 UPDATE Employee

Please ask the company!

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

Dan,

Here is a fair and factual rebuttal to your key observations as an outsider to our company.


1. When people are excited or upsetespecially when communicating via email, they tend to emphasize by using bold, capitals, or expressive words. I am not sure how this key observation has impact on our company or the associates who offer feedback using these techniques.

In addition, I didn't catch what you did for a living, but don't you have terminology or jargon that is specifically related to your line of work? Don't you have descriptions or expressions that you use to explain things to others or that give facts about your company, business, or product? Again, not sure why you have chosen this key observation to speak against our company.

2. Nicole is no longer submitting rebuttals on this site due to the inappropriate tone of her submissions. The ONLY thing I will say in her defense of your grocery store analogy is that if that cashier were dispecting or slandering the manager I would not be as surprised at an escalated reaction from the manager. It is very frustration for us to combat most of the inaccurate or false complaints here. The point is, this site is not for conducting problem solving sessions. When someone makes a public accusation that is inaccurate, or incomplete, it gets handled here. I apologize for any misconduct done my Nicole's remarks. While true, they were just delivered inappropriately.

3. Considering that you have not worked with our company at all, I find this key observation out of line. Please, complete registration for yourself (yes, it is totally free). You will find that you have 14 days to review our materials, tools, information, and can correspond with support staff at any time. You will find them helpful, courteous, and timely. Then certainly post your judgement of the company, our helpfulness, and overall attitude.

In addition, our contract is legible for all to review. There is NO small print, all of our policies and procedures are written for ease of review. You have made very unfair assumptions by not reviewing it for yourself before commenting.

4. We have never been found at fault for not abiding by our contract by any agency. If at any time a refund was due, according to our specified guidelines, it was given. If ever a handwritten cancellation was received, it was processed. Complaints can arise when people do not read their contract before signing it, consult their contract for information, or ask support staff questions when they have them. These complaints do NOT form a mounting case against us.


5. Yes, I completely agree, a person's time is an investment. We make our opportunities available for associates to pursue or not pursue. We cannot determine what someone's time is worth. We have some associates who make $15 a month, $50 a month, and some $500 a month. Maybe they worked an hour, or 10. It is the decision of the associate to determine if the amount of time they have given is worth the return. If it not, they can simply quit. If they need to cancel, all they have to do is submit a handwritten cancellation letter. We have never made a claim to be a get rich quick program, or to guarantee any monies at any time. One's earnings for the month are totally dependent upon their production.

6. I am sorry you feel that our testimonies are too good to be true. They are written by real people. When people save money they get excited. When people find a real company that is NOT a scam, they are also very excited. They want to pass it on. I don't feel the need to defend much here....I think any company uses their highlights to "show off".

The very best thing one can do is send their questions directly to us, review our policies and procedures, and check it out for themselves. We have nothing to hide, but to plan to send rebuttals to those who comment that are uninformed, or report inaccurate statements.

Thanks for your time.
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#4 Consumer Comment

I usually walk with an open mind

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

Hello,

I stumbled across Procard International strickly by accident, I read every page, every link and I thought to myself finally something that was "real" in the world of the internet "scams", earn millions while you sleep themes. I understand that everything in life is not "given" you have to work to provide, and having a legal background and also five years of b/2/b sales experience, (some of which was with insurance) I thought this product and service is something that there is a large majority of families, students who need help with #1 affording the doctors, the pharmaceuticals, the vision care. There are many in our USA that are going without any health care insurance, due to insurability (pre-existing health conditions where the insurance companies will NOT cover them) or the HIGH HIGH monthly costs involved just to get a little hospitalization, nevermind, vision, hearing, dental, and prescription drugs!

So I saw the value in what ProCard International provides those who need them. I made an educated decision to give it a try.

I have been trying, although I have not signed anyone up, I am concerned with what I have read here and other sites. My brother sent me the links, I was foolish, I did not do my full "due diligence" I went to the BBB site, ran a background check on them, and with any business that has been around for 10 years or more, it is expected to have some complaints.

Heck I have only been married 4 years and I know everyone can relate to this...I can say my husband has some "complaints about me" and I him. Its human nature to get "irritated" with each other.

Although I do not feel good about the several different comments made here, the good the bad and the kinda ugly...my reason for taking time out of my day to post here is simple....

Work is work people, being in business for yourself takes time and effort and you get what you give into everything in life. I have not seen any consumers to whom any of the representatives that have been doing this for years, come to this site and make any negative comments regarding their experience with ProCard or the benefits.

I only see a select few who were upset with having their accounts being debited after giving this opportunity a few weeks and being unsuccessful at it financially. We dont know what type of activities they tried or didnt try.

Just keep in mind when you allow any company to automatically debit your banking/checking/credit card accounts, when you are no longer satisfied with the product or service, it is normal practice to have to cancel in writing, as a matter of fact, even if it wasn't, I would ALWAYS suggest that you do so, for your own records and peace of mind.

Telephone conversations dates and times can not be recorded nor used in a court of law as evidence to support your claim. And just an fyi, always send a carbon copy of your cancelation to your Bank with a reference of the account number letting your BANK know also you no longer give the "company in question" permission to debt your account.

I will sleep on this for now. There was one comment made that really does ring true, I will cut and paste it here:

Most real business either start making substantial money pretty soon. If they don't the result is a 2nd mortgage, filing Bankruptcy or going out of business.

I am hopeing not for "substantial" just some to help keep the bill collectors at bay. I am realistic, I will continue on, patience, focus, percistance and COMMITMENT, will bring success!

P.S. I received another email from ProCard last night reminding me I only have five more days left to get my "one" account. But I also saw, that they do sometimes give extensions to this.

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#5 Consumer Suggestion

Posts of a feather, flock together

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

Obviously the reports and opinions here are black and white. Where is the gray area most jobs fall within?

But I have a few "Key" obvservations that might help someone discern credible comments apart from a company's public relations effort to keep it's name viable in the market place.

If you own a business that you want to succeed, it's not really hard to create a few accounts in order to provide sterling reviews of your own business. Anyhow here are my observations.

1. I've never seen so many different people repedively use the word "Amazed" or "Amazing" before. Capitalize Active Employee... Use BOLD phrases like "NOT MLM", "as a proud member of" or Get "Not A Rich Quick Scheme". The format of these responses ring entirely too close to the company website testimonials for me..They echo the tone of sales pitches, not real world experience.

2. Nicole's legal jargon and willingness to divulge company/employee matters right out in the public square for all to see is no different than going into a grociery store and watching the manager scream and belittle the cashier right in front of customers. and then do the same to the bag boy.... etc etc.... Would you like to work for this grociery store? or Procard? a good company handles these matters privately and then reports the actions THEY took to correct the matter.

3. Company officials rebuking, threatening or belittling Ex-employees instead of offering training, Assistance, Support or helpful material may very well emulate it's attitude about business in general. Sales pitch formatted testimonials, battering people for not reading every word of their contract mice type and spending so much time on damage control. This is not a wealth building presentation to me.

4. Rip off report is only one resource of several with warnings about Procard. A mounting case should probably be given weight than an unvarifyable testimonial from "Sam from Colorado".

5. Procard should remember that a person's time is also an investment... not just $5 or a $18 insurace plan. I think any person has a right to warn others about spending time with something that provides weak results for time spent. I can sell snow cones in Alaska for a living... and make SOME money... but not all business success is based on how much effort you put out... the product has to be right as well! The scam is created when the company provides testimonials that are 100% glowing, when this does not represent the average work experience. The responses are emotional and not presented with factual data - which can be verified. True data is verifiable. A testimonial from an anonymous (first name only) source really can't be. Be wise in what you believe.

6. Which segways into my final observation...It's hard to believe any post that is 100% Glowing...Amazing...and Heaven sent....but then rebukes naysayers who didn't spend enough time doing it to finally make money....Most real business either start making substantial money pretty soon. If they don't the result is a 2nd mortgage, filing Bankruptcy or going out of business...and I genuinely can't believe any PR effort that produces flawless experiences with most every employee that posts. I personally love my job... but I'm certainly not going to recommend it to everyone... It's hard, tediouse and only for someone who's dogged to perservere every single day...Successful employees typically don't give so much credit to a company... they give it to themselves for the hard work they put in to MAKE things happen. Only a PR Effort on the part of Procard truly jives with many of these positive posts. With so many other choices out there... It's hard for me to imagine why I'd get entangled with an apparent time risky venture such as Procard!
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#6 UPDATE Employee

Procard International - NO Scam, NO Nonsense!!

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

Hello everyone,

It's Callie ... Just thought I'd surf on by again to see the latest posts.

I must say, it behooves me to even think that some opinions of Procard International have risen to the point of labeling the company as a "scammer".

Once again ... I'll simply say that I post on this site with an open-mind ... and keeping in proper perspective that ALL posts are OPINIONS only ... nothing more or less.

Procard International is one of the best in it's industry ... NO SCAM ... NO NONSENSE! The company NEVER ceases to amaze me with how well it continues to grow.

It is a blessing to work with such a company that has my best interest in mind; therefore, I'll always have nothing but respect and high regards for Procard International ... I just cannot imagine the company ever letting me down, even for a moment.

The home office support staff continues to perform on an outstanding level!! I'll take this time to say "Thank You!" to Kim, Holly and Thomas. I work most with these three home office support professionals from the following departments: Associate Support, Leads, and Payroll.

If anyone reading this wishes to talk to me personally about Procard International ... that's great! I welcome you to call my home office at 765-282-5398 (option 2) or toll-free at 1-866-359-3720 (option 2) ... I'll look forward to speaking with you.

God Bless,

Callie
Active Associate & Proud Member since 2003
Procard International
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#7 UPDATE Employee

Fabulous Products and Super Customer Service!

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

The company is large and interacts with thousands of people so the fact that there are complaints is to be expected on some level. But I just wanted to point out some great attributes of the company. After working with Procard International for over a year, I am so pleased with the customer service. I receive timely replies to every question I have and they never make me feel silly or stupid if I ask a question that is spelled out right in front of me on the website. I love that, because customer service is a lost art with many companies these days! Also, I did not pay a cent to start, I chose to enroll my best friend and I am reminded constantly about how much she likes the plan...or how much money she saves I should say. They also just introduced a new division in which active associates can earn money...amazing. The company is always on the cutting edge! I love working with Procard Internation.

Thanks!!!
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#8 Consumer Comment

Procard Scammers

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

Lots of obvious nonsense here from those who "claim" to work for the Procard company. Can we say flame?!?

Fact is, you'll find PLENTY, or should I say OODLES and oodles of information on this company involving SCAM complaints, rip-off complaints, etc.

My experience and research shows that, in my opinion, Procard International is one company to stay far, far away from!
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#9 UPDATE Employee

Clarification and Suggestions

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

I just want to clarify something first. I am unsure how this company can be referred to as a scam when I have heard no complaints from people who are only clients, not ex-employees; and those who are employees are not required to give any money, nor purchase the product themselves. That choice was yours to make, and the company did not force you to make it. And it does seem that the company has done its contracts in a completely legal way, and before signing all contracts it is the signer's responsibility to read ALL that is there.

Second as far as the customer service, it seems that there have been some bad interactions mixed with good ones in all these responses. And those bad interactions seem to come from the people who may have had an already negative attitude when speaking to the customer service representatives. Now I know that no one is perfect, and I know, based on a psychology background, that often when people come at people negatively the response is not always calm and may reflect the negativity. Although the professional thing to do was to stay calm, it is not always that easy since we are all humans.

With all this said, I would have to conclude that it is unfair to label this company as a scam because most importantly those complaining were not forced to pay a penny nor commit to the agreements that they did. Further, all the complaints made are covered in the written contracts, I highly suggest that before committing to anything you clearly read and understand what you are agreeing to. Finally, remember that every employee of every company is human, and coming at them negatively and unprofessionally by human nature may result in a reciprocal response.

Finally, I must say that I am also an employee of Procard international and I have had nothing but positive experiences thus far. I can not stress enough, that unlike other companies out there, Procard International does not require you to put any money in and they do deliver what they promise through contract in their discount plan.
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#10 UPDATE Employee

Working A Job

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

I just signed up with procard international last month. I opted to enroll myself to get started. I did read the statement that said on the 1st of every month they will bill me. I agreed, so i did not complain when ten days after my initial enrollment i was charged again, because i read the fine print and knew all the rules before i signed on. Pro card has been very good with answering my questions. From reading the complaints here today, what I noticed was perhaps people signed on without reading the fine print. I have not heared one complaint about the actual service procard provides being wrong. Procard offers discounted healthcare services. has anyone been told by their doctor, or pharmacy that they can not receive the benefits they are signed up for? Procard provides a data base to find participating servicers that you can check before you sighn up.

From what I gather from the complaints, perhaps informed decisions were not made. My suggestion is that all people in all matters(not just for procard) read the fine print before you sighn on for anything. If you signed an independant contract, perhaps you should have read it first. The statement for leads repeatedly says based upon availability. And if you are only going to relye on procard for leads, thats not someone who is serious about their business, in reality you were thinking a get rich quick scheme.
On their web site they give you several hints and suggestions on how to build your business. They tell you it is not going to happen over night, and the income potential is there for someone who is willing to work at it.

I am willing to work at it. One complaint stated they emailed people four times. But you are also provided with their telephone numbers, did you call? You are an indeendant contractor, with referral rewards you do not receive free long distance, but at the end of the year you can write off every phone call and receive it back on your taxes.

Think of yourself as your own executive. Build your own client base. It takes alot of time and effort. You are building your own business. That does not happen over night. With refferals Procard is offering a helping hand, not anything else. They do not claim anything else.
My suggestion is to honestly read everything before you sign anything. You set yourself up for disappointment when things don't go the way you want, if you did not read everything and work it out before hand. Fast expectations is the easiest let down.

A business usually needs a five year plan. Work one out. I read the enitre web site word for word, I asked questions, I did my plan for each year for ten years, i looked up service providers and local discounts service providers before I signed my contract and faxed it over.
I am just starting, and i am happy. I have not heared any negative remarks about the actual services, or people not getting paid. I for see a great future for my self.

Thank You,
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#11 UPDATE Employee

Associate's visit here not "strange" at all

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

Hello,

I am responding to "Happy Employees?"

In my opinion, it is not strange at all that ProCard International Associates have found their way to this site. In general, people visit sites for various reasons.

As for me, genuine curiosity prompted me to visit the ripoff report site. I had heard about the site, and that dissatisfied individuals had posted negatively about ProCard Int'l.

Quite surprised and unbelieving ... I decided to take a look-see for myself ... so I did. Yep, sure enough what I'd heard was there in black and white.

I honestly have NEVER experienced anything negative, dissatisfying, shady, illegitimate, etc about ProCard Int'l; quite the contrary actually, so I will simply share that at every given opportunity ... including posting on this site.

I will continue to occasionally surf by and check out this site as curiosity leads me too ... and there is absolutely nothing "strange" about that.

I am courteously available to communicate with anyone who wants to ask me questions about my posts here and/or ProCard International. I can be reached via email: callieb_procard@emailservice.com or toll-free @ 1-866-359-3720. Telephone calls from US residents only, please. I am reached by phone best between 8-10a EST, M-F; I do answer all voice messages within 24 hours.

Thanks for reading,

Callie
Active Associate & Proud Member of Services
ProCard International
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#12 Consumer Comment

The Brilliance of a ProCard Employee....

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

On 3-5-05, Daymon writes: Suggestion #3. Know the difference between a "rip-off" and when you are legaly bound to an agreement. If a company takes from you with no legal right to do so, that is not a rip-off.

what??????? IF A COMPANY TAKES FROM YOU WITH NO LEGAL RIGHT TO DO SO, IT IS NOT A RIPOFF???? That's an amazing analysis on the part of a ProCard employee, is it not???
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#13 Consumer Comment

Happy Employees?

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

Does it seems strange to anyone else that the "satisfied employees" that are posting rebuttals here have found their way to this website in the first place?

I had thought of working for them, but there are too many red flags here for me to continue.
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#14 Consumer Suggestion

Concern about the response given to two complaints. what action was taken to prevent things like that from happening again.

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

I am a bit concerned here about the response given to two complaints. Two former employees expressed about how they felt about how he/she was handled and the lack of support by Procard International. Nicole then decided to give a rebuttal of which some of the information was confidential.

I can tell some of the stuff she said was out of anger and looked like she was trying to stand up for the company. However the way she handled it, instead brought the company down.

I am wondering how people higher than Nicole felt about this and what action was taken to prevent things like that from happening again. I'm sure a lot of people who read this would agree that how she handled it was unprofessional and therefore made Procard look like it should have a red flag over it!
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#15 UPDATE Employee

Need More specifics Example getting leads over a week old etc

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

I'm just starting with Procard and have read the
above pros and cons. What I would like to know is
exactly how is Procard Ripping people off. Why
shouldn't we work for them. What I've read so far
has been isolated incidences I'm sure. Spell it out for us. Example geting leads over a week old etc

Do you utilize your resources available or are you bailing out because of lack of patience.


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#16 UPDATE Employee

I work for ProCard International

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

I just have a few suggestions, first I would like to say that, personaly, ProCard International has worked out very well for me. Mainly because I took the time to read how the program works, which brings me to suggestion number 1. Always make sure you understand your options fully. Procard International does allow it's associates to enroll their own family's for the plan and recieve a discount as an associate, and allows you free leads provided by the company. Associates are not obligated, this is no different than "fringe bennifits" you might recieve from any company which provides a valuable service. This brings me to suggestion #2. Just because you are "at home" does not mean you won't have to work. It makes no difference what job you do, you only get out of it what you put into it. Four E-mails obviously won't generate a pay check, else we would all be rich.

Suggestion #3. Know the difference between a "rip-off" and when you are legaly bound to an agreement. If a company takes from you with no legal right to do so, that is not a rip-off. If you are dissatisfied with the service you recieved , that does not constitute a rip-off. We have all been down that road. To err is human. As a programmer, I can assure you, there is NO WAY for a program to do something it was not made to do, like return a form with an un selected element (the check box). I assure you, you may not have intended to purchase the $5.00 physician option, but you made an error and selected it.
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#17 UPDATE EX-employee responds

Procard IS a scam!!!

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

Procard is a scam because they say on their website that it costs nothing to work for them. Yet, they insist on me purchasing some type of BS medical insurance and a one time fee of $14.95 or something to that effect. Procard is a shyster outfit and if anyone were to consider signing up for this joke I would give them bogus information to protect myself.
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#18 UPDATE Employee

ProCard International is very real & legitimate - I have always had a pleasant experience as one of their Active Associates!

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

My name is Callie; and before I begin my rebuttal, I would like it known that I am in NO way being judgemental in regard to any post that I have read. I believe everyone has the right to their opinion - in general, one's opinion is neither right or wrong. I am also being very open-minded and keeping all posts in proper prospective. I believe that every post made here is based on individual experience. So, at this time, I would like to share mine:

I have been an Active Associate sponsor & proud member of ProCard International's programs for almost 2 years. In my opinion and experience with the company, I have had absolutely NO problems at all. I personally enjoy my relationship with them:

1. I have ALWAYS received my payroll check when I was supposed to.
2. As a proud member of the discounted healthcare savings program, I ALWAYS receive my discounts at time of service as I am supposed to
3. I have ALWAYS received my guaranteed FREE leads in a timely manner.
4. I have ALWAYS received a timely telephone reply (from a live person) when I felt it necessary to call the company to leave a message.
5. I have ALWAYS received a timely email reply to ALL of my inquiries.
6. Kim (main email Representative) has ALWAYS been courteous, prompt and efficient with her email replies to me.

I was convinced of ProCard International's legitimacy and outstanding business ethics way back when I enrolled myself into the program as an Active Associate and member. Prior to my enrollment, I just simply did my homework. I researched and reviewed the company. My results confirmed my instincts, so I immediately enrolled myself.

I absolutely LOVE the fact that ProCard Internationally is constantly working hard, making updates, enhancements, and additions to the work from home program. ALL efforts are being made on behalf of me and every other Associate - which makes me feel really good to know that ProCard International has OUR best interest in mind.

I would not be at all surprised to learn that ProCard International will have plans to even enhance the discounted healthcare savings program as well. When and if this does happen, I just know that the program members' best interest will be kept in mind :)

ProCard International is run by humans, so of course the company is NOT perfect, and from time to time problems and errors can and do occur. I trust that the company handles them to the best of their knowledge and ability. Unfortunately, not to everyone's satisfaction, but hey...no one will ever satisfy EVERYONE - that's just impossible.

ProCard International is a great company, and I look very forward to continuing my work from home experience with them! I encourage anyone to feel free to contact me at any time if you would like to communicate with me about ProCard International. I am friendly and courteous and will be glad to answer any of your questions :) You can contact me at callieb_procard@emailservice.com

Thanks to all who have taken time to read this,

Callie
Active Associate & Proud Member
ProCard International
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#19 UPDATE Employee

they do need to find a solution to the deduction of bank accounts

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

Hi I'm Angelo, I haven't been an Independent contractor of procard international that long, but I can say they paid me for an associate becoming active which wasn't much because I just got started, and I never had to pay to work through this company, so I don't know where that came from, anyway, I can say this, they do need to find a solution to the deduction of bank accounts, because I signed my mother up for the plan, and it was my fault that I forgot to tell her to make sure she puts money in there, so she had a bank fee, after that, I expected they would be reasonable to not constantly charge my mothers bank, they charged it like 5 times before she could actually put her money in there, and when she did, the bank collected it from all the insufficient funds. So there where more charges from them trying again, so I do agree with a better system of taking payments if they want to keep customers, but as far as being in the business, I never had to pay, and I have received pay, so no scam on my behalf.
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#20 UPDATE Employee

I love working with Procard International!

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

Geez...this sounds like a lot of sour grapes...I have been working with Procard for over a year now and am doing great... and have never spent a $1 to do so....

I thas been a God send to me... and my family!

I can't imagine spending my day complaining about something I have not spent any time on...
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#21 UPDATE Employee

I love working with Procard International!

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

Geez...this sounds like a lot of sour grapes...I have been working with Procard for over a year now and am doing great... and have never spent a $1 to do so....

I thas been a God send to me... and my family!

I can't imagine spending my day complaining about something I have not spent any time on...
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#22 UPDATE Employee

I love working with Procard International!

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

Geez...this sounds like a lot of sour grapes...I have been working with Procard for over a year now and am doing great... and have never spent a $1 to do so....

I thas been a God send to me... and my family!

I can't imagine spending my day complaining about something I have not spent any time on...
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#23 UPDATE Employee

I love working with Procard International!

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

Geez...this sounds like a lot of sour grapes...I have been working with Procard for over a year now and am doing great... and have never spent a $1 to do so....

I thas been a God send to me... and my family!

I can't imagine spending my day complaining about something I have not spent any time on...
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#24 Consumer Comment

You are all full of it!

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

Mike sounds very angry! with procard but i can tell you his comments are genuine. Procard is wasting a lot of time here trying too justify their actions. The reason why is because this site is putting a hurting on their business! How long can you keep a lie going before people really find out the truth. Procard you can't hide behind the curtains anymore people are on too you!
and it's just a matter of time before you fall!
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#25 Consumer Comment

Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

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

You people kill me! Procard is one of the biggest scams since watergate! I'm so tired of the so called employees telling us what a great company this is, its pathetic! If you knuckleheads were a legitimate company wouldnt your busy day be full of customer support and work instead of the time you can spend here and write novels about your wonderful company? If i was your boss..."You're Fired!!!" My experience with this company was filled with run arounds and stress...fortunatly i didnt let them get too much money, i only lost a few bucks...hell it was worth it to be rid of this fiasco! I need more valid proof from the rest of the looney toons that claim this company is soooooo great, i just dont believe you. Get a life and a real job, its like the old cliche...if it sounds too good to be true...its probably procard! Get real and remember God is watching you and you will have to answer to him one day. Bottom line, tell the truth then you wont have so much to type on this website ya freakin lunatics!!!!!
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#26 Consumer Comment

Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

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

You people kill me! Procard is one of the biggest scams since watergate! I'm so tired of the so called employees telling us what a great company this is, its pathetic! If you knuckleheads were a legitimate company wouldnt your busy day be full of customer support and work instead of the time you can spend here and write novels about your wonderful company? If i was your boss..."You're Fired!!!" My experience with this company was filled with run arounds and stress...fortunatly i didnt let them get too much money, i only lost a few bucks...hell it was worth it to be rid of this fiasco! I need more valid proof from the rest of the looney toons that claim this company is soooooo great, i just dont believe you. Get a life and a real job, its like the old cliche...if it sounds too good to be true...its probably procard! Get real and remember God is watching you and you will have to answer to him one day. Bottom line, tell the truth then you wont have so much to type on this website ya freakin lunatics!!!!!
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#27 Consumer Comment

Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

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

You people kill me! Procard is one of the biggest scams since watergate! I'm so tired of the so called employees telling us what a great company this is, its pathetic! If you knuckleheads were a legitimate company wouldnt your busy day be full of customer support and work instead of the time you can spend here and write novels about your wonderful company? If i was your boss..."You're Fired!!!" My experience with this company was filled with run arounds and stress...fortunatly i didnt let them get too much money, i only lost a few bucks...hell it was worth it to be rid of this fiasco! I need more valid proof from the rest of the looney toons that claim this company is soooooo great, i just dont believe you. Get a life and a real job, its like the old cliche...if it sounds too good to be true...its probably procard! Get real and remember God is watching you and you will have to answer to him one day. Bottom line, tell the truth then you wont have so much to type on this website ya freakin lunatics!!!!!
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#28 Consumer Comment

Your All Full Of It! I'm so tired of the so called employees telling us what a great company this is, its pathetic!

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

You people kill me! Procard is one of the biggest scams since watergate! I'm so tired of the so called employees telling us what a great company this is, its pathetic! If you knuckleheads were a legitimate company wouldnt your busy day be full of customer support and work instead of the time you can spend here and write novels about your wonderful company? If i was your boss..."You're Fired!!!" My experience with this company was filled with run arounds and stress...fortunatly i didnt let them get too much money, i only lost a few bucks...hell it was worth it to be rid of this fiasco! I need more valid proof from the rest of the looney toons that claim this company is soooooo great, i just dont believe you. Get a life and a real job, its like the old cliche...if it sounds too good to be true...its probably procard! Get real and remember God is watching you and you will have to answer to him one day. Bottom line, tell the truth then you wont have so much to type on this website ya freakin lunatics!!!!!
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#29 Consumer Comment

Too Jennifer comments

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

Jennifer You have a point i have to agree with you
I never have been a procard member.Your comments sound very genuine. You sound like one that is having success with procard. Good for you! but Think about this......Do you have to become a thief to recognize a thief? Of course not! Let's say you wanted too move to a different neighborhood, someone told you that "it's crime infested!" that would probably make you think twice,you may even decide to do some investigations,maybe ask people questions who live in that particular neighborhood. In a similar sense. people who are complaining about procard are people who have been procard members. When i see too many complaints against a company it raises red flags warning me that this could be a bad business venture. You see i got interested in procard and i learned to check around before i depart with my hard earned money.
This site has helped many people to avoid serious financial pitfalls.
But Jennifer every choice that these former procard members made was not all procards fault. their agreement says "no refunds" and also many were foolish enough to give out their major credit cards. I learned to use prepaid gift cards this way no company can keep charging me if i decide to quit. It places me in control not the company! plus i don't have to keep wearing myself out by chasing after a company for my money,and they won't even return my phone calls. That is my major point in all this USE PREPAID CREDIT CARDS TOO SIGN UP and you won't get burned badly if the company turns out to be a sham!
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#30 UPDATE Employee

Regarding these ridiculous complaints - especially Edwards!

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

These complaint are totally ridiculous! I have been working with Procard International for nearly three years and am amazed at what I am reading....

This Edward person -- what are you talking about - with prepaid credit cards....it doesn't sound as though you know anything about procard -- except that you proclaim them to be a "scam" --the items you are stating are not even close to being accurate.

I personally work with over 50 other Procard associates who all take pride in the work that they do each and every day. I have friends all over the country who have been working with Procard for longer than I have - which is why I started with them....I was tired of all the other work at home opportunities that never worked out -- actual "true scams"....

I am so happy to work in their Referral rewards division - helping other associates work from their own homes and doing very well meeting their own goals along the way.

I also LOVE working in their Local Discounts division - where I can contact local businesses in my area about giving them free advertising - which is great - and FUN to work with.

So please - everyone out there - be careful what you read and believe --- check things out for yourself....:)

I wish you all continued success!
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#31 Consumer Suggestion

NEVER USE YOUR MAIN CREDIT CARD

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

Prepaid credit cards can be obtain almost at any local bank. you simply tell the teller how much you want on it,and that is the exact amount that will be on the card. this protects honest hearted people from getting their bank account drained. From the likes of Procard!! if they still want your bank account number drop them like a hot potato! never let these stupid mlm companies work up your emotions with powerful catchy phrases on their website. step back think through get a second opinion. procard is a scam. i truly believe this. since i have been using prepaid cards i have prevented myself from losing a lot of money to scammers. anyone can email me and i will help them get a viable prepaid card force2008@adelphia.net
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#32 UPDATE Employee

Procards Services are Legit..I am an agent for Procard.

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

I am an agent for Procard. I honestly can not comment on the business opportunity because I have not really pursued it, but I can say that the service is great. I saved over $100.00 on a pair of glasses at Lenscrafters. I also save a little money on my monthly prescription.
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#33 UPDATE Employee

Procards Services are Legit..I am an agent for Procard.

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

I am an agent for Procard. I honestly can not comment on the business opportunity because I have not really pursued it, but I can say that the service is great. I saved over $100.00 on a pair of glasses at Lenscrafters. I also save a little money on my monthly prescription.
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#34 UPDATE Employee

I think Procard International is a Great Company!

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

I've been with them for some time now and have never had any problems with the free leads or customer service. They have always been there to answer any questions or problems I have had. I have dealt with "Kim" in the leads division several times and she has always been helpful and kind, very professional. Procard is not a get rich scheme. It takes time and effort to build this business as with any home business. In my opinion people who feel they have been ripped off by Procard, don't understand how the Procard system works and aren't willing to work at it long enough to make it work. I look forward to many more profitable years working at home with Procard International.
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#35 Consumer Comment

Customer Service Skills needed

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

i have heard good things about procard, however, reading responses from Nicole makes me wonder how it would be to deal with this company. i am sure that things go haywire every now and then, but the company should do everything in it's power to rectify things with former or ongoing "employees".
(independant agents is more appropriate) i really do not see that the price of a monthly membership for agents would be enough to break anyone. the problem it seems to me that when people decide this is not for them, it is hard to stop the automatic bank draft. thatis a problem!

i would suggest to procard that they revise the method of withdrawing money, and/or put together a customer service department that is accessible, helpful and courteous to people that have decided not to go further with them. it seems to me that more than a few people have a common theme of working with them to be a very bad experience.

i also had been thinking about joining this company, however i would have to see some changes in attitude. i did not see a bad report with bbb for this company, but i will look into this further with ftc etc. this attitude is not good for the company. a "no brainer".
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#36 UPDATE Employee

Complaints are a joke!

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

These complaints are a joke. Procard is an excellent, legitimate, BBB member company. I've worked with Procard all of 3 days, and have already gotten 3 people signed up, and a few more are interested. I am very happy with my decision. The set up is awesome, the support is there, leads, long distance provided, all the tools you need.

I think some people really outta grow up.
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#37 UPDATE Employee

Procard International is a Great Company!

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

I am currently working with Procard International and have found them very friendly and responsive. They have provided me with everything they said they would and more!

In regards to the person who QUIT after sending only 4 emails, need I say more.

In regard to legal action I believe she was saying that you received everything you were promised. If anyone had a legal case they did.

Pay Attention when you are filling out forms. You are not required to spend one cent to work with Procard International.
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#38 UPDATE EX-employee responds

Legal Action?? GROW UP!!

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

Nicole, are you in Kansas City or Overland Park? Also, threatening legal action over a message board is ubsurd. Doesn't your company have anything better to do, like learn how to treat employees and ex employees with respect? I'm going to find out who runs procard and anything associated with procard and make sure you are reported for your threats, they were uncalled for due to the fact that nothing was posted with malicious intent. Obviously, procard has no clue how to run a successful business, its right up there in the scam lines with NHCD, and both will be brought down eventually.

Tracy, I would go to your state FTC, it will do way more than the BBB. You are entitled to pursue legal action as well, if they continue to charge you and you have asked to end the contract. There are many people who feel the way you do, and all of those people need to let others know what is going on.
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#39 Consumer Suggestion

why all the legal threats?

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

I've seen Nicole pounce on all 2 of the Procard reports threatening legal action. Perhaps Nicole is right and those making the comments are wrong, but people can be wrong without committing slander.

By accusing of slander you assume the individual has malicious intent and I don't see malicious intent in either of the postings. Just people who honestly feel that they have been ripped off. Perhaps you should spend less time with your legal department and more time on your customer service skills. Obviously Procard's people can be somewhat abrasive if they felt they had to turn this into a "legal issue."

Again, if these people wanted to take your company down in a slanderous free-for-all I'm sure that they would go to a bigger source than ripoff.

I saw only 2 complaints in the last three months against ProCard and so I was still considering it. However, due to Procard's obviously paranoid attitude and overly active "legal department" I think I will stay far far away from your company. Sometimes you just do yourself a favor when you keep your mouth shut or at least just provide the facts without threatening people who just want to tell their stories online.

Thanks for opening my eyes.
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#40 UPDATE Employee

A final word to Tracey of Gordonsville

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

Tracey,

You have simply restated everything I stated in my response and made it your "complaint" -- you were charged your membership fee on the 1st of the month -- that has NOHTING to do with how many days had passed since the day you had originally enrolled -- it is just like any other monthly payment that is on a specific day of the month...I do not understand why I need to keep explaining that to you??? You signed a piece of paper agreeing to that???

And yes -- as you again stated - you did in fact receive your membership packet when it was actually due?? I still do not see why that was a problem to begin with??? You were told it would arrive around that date and it DID -- please - please feel free to update the BBB with that info. It only confirms that you were not "ripped off"...

The bottom line is your "complaint" is that what was supposed to have happened -- actually did.... there is no complaint there at all?? No discrepency at all???
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#41 UPDATE Employee

Anna - you evidently did not understand my rebuttal on this site!

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

To Anna of Florala Alabama -- I don't think you read my response -- I was questioning the validity of YOUR claim -- I clearly stated I, nor has anyone that I know of, been "scammed" by this company. Texas is the address of the main network -- that is stated on the card, on the website and the provider listings -- the company is in Kansas....

I now regret submitting any info regarding this since my words have now been changed by someone else and completely miscontrued and interpreted in such a way to change the context - by someone I do not even know. Please do not use my words out of context to make any sort of points for yourself as I do not want to be associated with your comments in any way. I will contact the administrator of this site if it happens again.

Thank you,
Lisa
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#42 UPDATE EX-employee responds

response to Nicole Adams

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

The very first email "Kim" sent me about leads said I could get leads only on the first week of the month every month if I did not have any active leads that I had sponsored. I was charged for a new month even though it had not been a month yet since I signed up. Kim was hateful to me throughout my last few emails requesting more leads because the company email leads were not working. I had done all I could with them and nothing. I never received my membership card until May 6th. ( I will update the BBB on this)
This was plenty of time after my complaint for you to rush it to me.

Anyway, I wanted to make the best out of this "opportunity" as I could and your company would not help me. The first email from Kim stated I could switch to phone leads in a month and that is what I was trying to do but instead of telling me the EXACT date I could receive them, she just kept being hateful and saying I was not working the first batch good enough even though I had sent 4 emails to these people.

The company is not willing to work with their "employees". The actual benefits of Procard may not be a scam but the employment part sure was for me! I was not trying to "get rich quick" as Kim suggested. I simplying wanted all the chances I could get to make atleast one active lead under me so that I could work from there without my account being charged for something I didn't need. I have insurance that covers anything I need and I don't even take medications. THANK GOD!

I sent my formal letter of cancellations and I am sending back the membership cards to you. If I still am charged by you out of my bank account. You are the one who will see legal action from my banking institution.
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#43 UPDATE Employee

Regarding Tracey of Gordonsville, Va's comment...

AUTHOR: Nicole Adams - (U.S.A.)

My name is Nicole Adams and I am the executive office manager at the home office of Procard International, L.L.C.

I am responding to the statement of Tracey claiming to be "scammed" and not receiving her packet of information. Associates of Procard International are never required to enroll in the services themselve - but I see you voluntarily did.

As stated on the enrollment form, our website, and in all associate information it does take approximately 20 business days to be receive membership cards after the date of enrollment (you enrolled on 4/7/03) and your cancellation which was dated 4/25/03 - which IS NOT 20 days at all -- so no - you did not receive your membership packet during that time apparently in question as it is no where near 20 business days.

It should be received approximately April 30th to May 1st... which I'm sure it was since it was sent out just like anyone elses...

You were charged the next month also -- because that is the date of the monthly membership fee - as you were aware of as well - as every member is charged on that same day for their membership fee's, which is stated on the enrollment form itself, the website, all associate information and on the independent contractor statement - signed by you on 4/10/03 agreeing to the fact that you enrolled in the services, that you would be charged the monthly membership fee's just like any other member, and it does take 1-2 billing cycles to cancel the plan - depending on when a cancellation is received. Your plan is now cancelled - upon the receipt of your cancellation notice.

I'm not sure how this can qualify as a "complaint" or how exactly you have been "scammed" in any way and I also see from numerous email and phone conversations with our office (during this past week) - that you were and are aware of these facts!

Good luck on your job search!
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#44 UPDATE Employee

Complete inaccurate information reported!

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

My name is Nicole ( I understand there are no last names here - but I would be happy to provided it to anyone who needs it) and I am the executive office manager of Procard International, L.L.C. I find Anna of Florala, AL. comments to be very interesting indeed -- the facts are - as I have privy to ALL of the information - that your account information, as entered voluntarily by YOU did have a check mark for the additional services and I would be more than happy to provide you with a copy of that very transaction you entered yourself.

You see, we are liable for providing that service to you and since 100% of your payment information was returned via your bank -- we actually have every right to pursue payment for services rendered to you in good faith via civil court actions -- not to mention the slanderous comments that are completely without merit and completely contrary to the facts.

You are certainly allowed your opinion of the situation - even to enter it on this site and I support your right to do that - but submitting inaccurate information, along with slanderous comments with the purpose to deceive or alter the facts is an entirely other matter. That is unacceptable as thousands of associates are working all over the world to provide for their families and disparaging comments designed to discredit ANYONE at Procard International based on untrue statements will not be tolerated in any way.

I also am looking at an independent contractor statement, signed by you on 9-15-02, stating that you agree to and understand that there are no refunds for services rendered. We in good faith provided those services to you and you did not provide payment for them via returned checks. Again, we have every right to pursue this legally as the services were provided for one month's time!

All this, by the way, over a $5.00 charge. You see, Anna of Florala Alabama, it is us who have been "ripped off"...and I agree this is a complete "waste of time". Also - we are in Kansas - not Texas - you evidently know that one of our provider networks are located in Texas, thus appearing on your membership card that you DID receive with the services we did provide to you!

Good luck on your future endeavours!
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#45 UPDATE EX-employee responds

Lisa from Cleveland ..you proved my point.

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

Thank you for proving to me that this company is out to scam people, Texas is the address that THEY gave to me as their base location when I signed on...........so again, thank you for adding to my report.
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#46 UPDATE Employee

I have had a wonderful experience

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

I can't believe what I am ready - I have been working with ProCard for almost 7 month's while my small children are at home - and making great money without having to pay day care costs... I was referred by three of my friends who live all over the country who are also doing well and loving it...plus - I am not a customer - you do not have to be a customer at all... plus - the company is in Kansas - NOT Texas - that leads me to wonder about the credibility of this claim I just read...Hmmm???
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#47 UPDATE EX-employee responds

I was Ripped off too by Procard International

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

I also was ripped off by Procard International.
I am trying to get my money back and cancel my membership that I NEVER received a card in the mail from. Its a hoax and a rip off! They are hateful to their "employees" (really customers is all we are).

Procard International is a SCAM!
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