• Report: #798253

Complaint Review: PMA Conseco

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  • Submitted: Tue, November 15, 2011
  • Updated: Fri, November 18, 2011

  • Reported By: pmascrewedmycredit — South Carolina United States of America
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: IT TAKES HARD WORK

*UPDATE Employee: me too

*Consumer Comment: PMA

*UPDATE Employee: Very satisfied with PMA

*UPDATE Employee: PMA Conseco

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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

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.

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REBUTTALS & REPLIES:
0Author 5Consumer 0Employee/Owner
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#1 UPDATE Employee

IT TAKES HARD WORK

AUTHOR: a nice guy - ()

I was working at a large Bank when the recession hit, at the time I was not endanger of loosing my Job in fact I was working my way up the ladder rapidly.  I found myself killing myself for a company that really just regarded me as a number.  I put my resume out there to see if there were any other opportunities possibly one where I could create a career where I could be more than a number.

I met with a gentleman in a hotel conference room who challenged me to become a part of something greater than myself while helping people during their greatest time of need.  I asked many questions that ranged from how the pay works and what was required of me.  He simply responded that nothing was required of me and that I would be an independent contractor. All they could do is motivate me and if I was not afraid of hard work they could teach me how to follow a work schedule and a marketing method that has unpatrolled results.  

I am glad to report that here I am 3.5 years later and it was everything they promised.  I have had the opportunity to find financial independent, travels to exotic local; my wife and I have made some lifelong friends.  However, I must say by far that the best gift that this opportunity has afforded me is the gift of time.  I am able to spend uninterrupted, quality time with my wife and three small children.  

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#2 UPDATE Employee

me too

AUTHOR: mack - (United States of America)

Memorize a speech run all over the state  at your own expense than have your credit ruined. Where do I sign up> DUH
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#3 Consumer Comment

PMA

AUTHOR: Diogenes - (USA)

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.
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#4 UPDATE Employee

Very satisfied with PMA

AUTHOR: Insurance Sales - (United States of America)

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.
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#5 UPDATE Employee

PMA Conseco

AUTHOR: Agent - (United States of America)

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!
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