CONSUMER HEALTH BENEFITS ASSOCIATION AKA BEECH STREET CORPORATION AKA CHBA AKA AFFORDABLE HEALTH CONSUMER HEALTH BENEFITS ASSOCIATION AKA BEECH STREET CORPORATION AKA CHBA AKA PREMIER BENEFIT ripoff IRVINE California *EDitor's Suggestions on how to get your money back into your bank account!

This company or should I say companies because when you call there 1-800# they may answer to one name but then you ask to speak to someone aboult health care coverage they tell you to call one of the other names I mentioned. I DO NOT LIKE TO POINT FINGERS but all the money I have lost because of this company I really don't care at this point. I changed jobs which meant I had to change insurance as well

I got online and found a website for Affordable Health Insurance so I applied the guy who called me Ruben Torez told me all about the insurance I asked all the right questions he gave me all the wrong answers instead of telling me the truth he told me what I wanted to hear which might I add were nothing but lies. I asked if my Dr. was in the network he assured me that she was that was lie #1, I asked if my medicine was on the $10,$20,$40 he assured me it was lie #2,
I asked what my co-pay was he told me $30 lie #3,I could keep listing but I would eventually run out of room. Inever received my insurance cards or whatever you call it. When I called them to ask what I needed to due because I had a Rx that nedd to be refilled I was given a run around that kept me on the phone for 47 minutes with no results finally I called back and was told I needed to call yet another company name. They told me they had no info to call back to customer service you see how the pattern goes finally after 3 days of telephone calls I got a member # only to find out my Rx was not on there list and it cost me a $180.00 on what RUBEN TOREZ ASSURED ME WOULD ONLY COST $20.00

I called him (RUBEN TOREZ) he asked me what I would have had to pay without the " DRUG CARD " I told him $204.00 he told me I ought not to complain I save $24.00 I won't even bore you with the rest of that conversation you can draw your own conclusion on that one. I then went to the Dr. later on a few weeks later gave them my new insurance or whatever you want to call it information. Two days later the Dr. office calls me back to tell me that they are not in the network and what I have is not insurance but a health discount plan to some people they may think it is one in the same BUT DON'T IT IS NOT!!!!!!!!!!!!

I called back to the customer service# spent a whole day being given a run around not to get any results. I left voice messages for Ruben Torez who has not yet to return my phone calls, but finally someone put through to his office AND YES HE ANSWERED.

Only to tell me he couldn't do anything for and that I should have read between the lines I told him I wanted to cancel my membership he told me I would have to call yet another 1-800# which was no longer in service. I called back to the customer service # again and tried to explain to them what was going on and that I wanted to cancel my membership she rudely interupted me and told me to fax them a letter stating I wanted to cancel it
and hung up not giving me a fax # or anything so I called the customer service # again and again and again until I got a live body on the phone got the # FAXED MY LETTER and they still drafted my account I had to go to the bank to put a stop payment on any further drafts which they still tried to draft then when they could no longer draft that amount they changed it to a even
amount little did they know I placed a stop payment on the amount as wellas anything from any of there AKA's so beware if they can't get your money one way they will try try again no matter what they have to do.

By the way I never received my insurance cards. And they are still trying to draft my account.

PLEASE BEWARE OF ANY OF THE COMPANIES I HAVE LISTED ABOVE THEY ARE 1 IN THE SAME AND THEY ARE DISHONEST.

Angela
Belton, South Carolina
U.S.A.

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

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

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

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

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

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

DO NOT TAKE NO FOR AN ANSWER!

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

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

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

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

CHARGES TO YOUR CREDIT CARD

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

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

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

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

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

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