Report: #999875

Complaint Review: Andy Ross

  • Submitted: Sat, January 19, 2013
  • Updated: Sat, January 19, 2013
  • Reported By: Agent55 — Kennesaw Georgia United States of America
  • Andy Ross
    7520 Heather Knoll Road
    Las Vegas, Nevada
    United States of America

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In August 2012, I signed on to sell dental insurance for the Insurance Authority via the phone and internet. I was recruited through Craig's list. I signed up as a remote agent and was immediately told that I needed to be licensed in at least 3 states, so I spent the extra money to become licensed in 2 more states, one which required fingerprinting, which was an added cost.

We were given leads through a dialer, and most of the leads were acquired through robo dialing which resulted in poor quality leads and a lot of angry people.  Andy Ross, the head of the agency required us to be on a company call every Monday where he would ramble on and on about how lucky we were to be able to work at home. He also told us we could make 100k or even 250k a year if we put in the hours while selling Assurant dental insurance through his lead program.  He often compared the ease of the job to "flipping burgers".

When I first signed on we were told we should work at least 25 hours per week. Then every week at the meeting, Andy would increase the hours saying things like "to heck with 100k, you could make $250K. Then, they switched their lead program to a "better lead" including customers who would be calling in from an ad they saw along with telemarketers screening the leads for us agents. 

When this happened, Andy would ramble on about how "it was going to be better" and that the agents who put in the most hours would be rewarded with the warm, telemarketer pre-screened leads as opposed to the outbound, cold leads on the dialer. Well this lasted all of 2 weeks before we were told that they needed to switch from the Assurant Dental policies we were selling to different carriers because they were essentially "in the hole" with Assurant, due to charge backs.

Andy told us in the meetings to sit tight while they were making this transition, and that we would be paid as soon as we started working again.  Essentially, they were holding our commissions which were paid 12 months in advance because they didn't know how many charge backs there would be. But Andy promised us that as soon as we started working again selling different products/carriers, they would pay us for the work we had already done.

Well, after 2+ weeks of waiting we never heard from this guy again.  Essentially, after telling us in what would be his last, famous Monday morning meeting that "he hoped that we weren't so foolish as to be soley counting on this job with him for our family income", and that he had to "sacrifice his family vacation" due to the charge backs with Assurant", he disappeared. He essentially "slid out the back door" by not notifying the agents that he was closing. We all tried to dial into the company meeting call on Monday 12/10/12 only to be told by a recording that the code we entered was no longer valid. I and others tried to contact Andy, Val and Matt by phone and email, but we never heard from any of them, ever again.

Seriously, this guy encouraged us agents to put in as many hours as we could to be rewarded with "warm" incoming leads and then chastises us for counting on that pay to feed our families? I, as many other agents, didn't have time to work anywhere else because I was putting all my time in selling insurance for his agency with the belief that I would be getting paid a great commission check for all the sales I'd be making for my effort. And I didn't really care that he couldn't afford a "vacation" blah, blah, blah, when we couldn't afford to pay our bills without the money we were promised.

Andy Ross, Val Adams, and Matt Wynn were the folks running this sham of a company. If you hear their names, run in the other direction. Especially Andy Ross who apparently does not know how to run an agency and keeps making horrible business decisions - which is likely the reason for the various company names he has used for his businesses.  As of the writing of this report, I still have not heard from any of them and have never received my commissions.
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This report was posted on Ripoff Report on 01/19/2013 04:50 PM and is a permanent record located here: 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. READ: Foreign websites steal our content

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#1 UPDATE EX-employee responds

Andy Ross is up to his old tricks again

AUTHOR: Got Taken - ()

Andy is still ripping off other agents. He did it back then and he just finished doing it again the first 4 months of 2014. That company closed down and not he is back trying to rip off a whole new set of agents who have no idea they are working with the Devil making all kinds of promises so he can take the majority of the commission. This guy does not care about you. He sure can sound like he does. But he does not. Do not work for this man. You will never see a decent commission. He has never paid any agent consistantly and he has been unable to keep any business open. His agents and managers all leave because he rips them off. Do a back ground check on him you will find states that are suing him for illegal business practices.

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#2 Author of original report

Response to Notice of Legal Action

AUTHOR: Agent55 - ()

About the robo dialing:  What do you suppose I should think when I was, in fact, told numerous times by customers that they only pressed the number the recording told them to so that they could tell a live person to stop calling them??? I even had one store owner ask me about the insurance and then he proceeded to yell at me saying that "he really did not need dental insurance, that he was so sick of us calling him that he wanted to tell us off." If it wasn't a robo dialer, then what was it? I assumed it was because people told me the calls were coming in as a recording, and calling them many, many times.

Also, I honestly never heard from you or anyone else again about your transition to a new carrier. I did not receive any commissions in December and still have not received any sort of commission for the last weeks I worked in December. I've been left wondering what happened. I don't understand why it happened and I'm sure you can understand my frustration at not only not receiving any commission for those last weeks, but also for getting no response when I emailed you guys, and no answer when I called your offices.

I am a hard working, far from wealthy, sales person. I don't go around just posting things on the internet in an effort to destroy peoples' businesses or character. That was not my intent here. I posted my report because that is what happened and I do not want anyone else to experience what I did. Just as you get angry when you feel something unjust has been done to you, so do I. If I am wrong, then please prove that you contacted each and every agent since December to let us know what happened with our commissions, and to acknowledge that you were still interested in keeping us as agents with your company.
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#3 General Comment

Report: #999875 - Notice of Legal Action

AUTHOR: Ingle Elia PLLC - ()

To: Agent55

On or around January 19, 2013, you, an anonymous person, authored and caused to be posted on Report: #999875 titled Andy Ross Lead Consortium, The Insurance Authority Deceitful, Lies and Non-payment for Work Las Vegas, Nevada.  Your report is viewable at the url

Your report contains the false and defamatory statement We were given leads through a dialer, and most of the leads were acquired through robo dialing which resulted in poor quality leads and a lot of angry people.  Your report also contains the false and defamatory statement As of the writing of this report, I still have not heard from any of them and have never received my commissions.

Accordingly, on March 18, 2013, The Lead Consortium, LLC, a Nevada limited liability company, and Andrew Ross and Andee Ross, husband and wife, filed a complaint against you in Maricopa County Superior Court.  The case was assigned Case No. CV2013-002714.   The complaint is captioned The Lead Consortium, LLC, a Nevada Limited Liability Company; The Pajama-Man School, LTD., a Nevada Limited Liability Company; Andrew Ross and Andee Ross, husband and wife v. John Does 1-3.  You are John Doe 3.  The complaint alleges a cause of action against you for defamation and seeks damages.  The complaint also contains a cause of action seeking declaratory judgment that your report is false
and defamatory. 

Maricopa County Superior Court is located at 201 West Jefferson Street, Phoenix, Arizona 85003-2243.  You may obtain a copy of the complaint from the Maricopa County Superior Court.  You may obtain a copy of the complaint by request, in writing, made to the law firm Ingle Elia, PLLC at 2942 North 24th Street, Suite 114, Phoenix, Arizona 85016-7849.  Your request should be specific and reference the case caption and case number above.   

On April 16, 2013, The Lead Consortium, LLC, Andrew Ross, and Andee Ross caused a subpoena to be issued to XCentric Ventures LLC, an Arizona Limited Liability Company.  XCentric Ventures, LLC manages the website located at  The purpose of the subpoena is to discover your true identity.  The subpoena seeks to compel XCentric Ventures, LLC to produce all author information for the author of Report: #999875.  You may obtain a copy of the subpoena by request, in writing, made to the law firm Ingle Elia, PLLC at 2942 North 24th Street, Suite 114, Phoenix, Arizona 85016-7849.  Your request should be specific and reference the case caption and case number above.     

You have certain legal rights, including a right to timely and anonymously file and serve a response to the subpoena.  Such response may include an objection to the subpoena.  You are encouraged to immediately seek legal advice regarding your rights.  Any response to the subpoena should be filed with the Maricopa County Superior Court at the address above and copies should be mailed to (1) Ingle Elia PLLC, 2942 N 24th St, Ste 114, Phoenix, AZ 85016-7849 and (2) XCentric Ventures, LLC C/O Maria Speth, Jaburg & Wilk, P.C., 3200 N Central Ave, Ste 2000, Phoenix, AZ 85012.

Please be further advised that two weeks from May 16, 2013, Ingle Elia PLLC, as counsel for The Lead Consortium, LLC, Andrew Ross, and Andee Ross, plans to file a motion with the Maricopa County Superior Court in the above captioned matter seeking an order compelling XCentric Ventures,
LLC to provide the information requested in the subpoena.

This notification is made in accordance with the requirements of Mobilisa, Inc. v. John Doe 1 et al., 217 Ariz. 103, 170 P.3d 712 (App. 2007).
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