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Complaint Details
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Initial Complaint
10/30/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I paid $199 to be recruited and then an extra $21.3 for some study material, I just thought I was getting a life insurance license. But I started to realize I wasnt really sure what was going on, so when I talked to my bf about it, he got skeptical. And then when I told them he was skeptical, they actually made me call him so they could put his mind at ease. They then proceeded to try and recruit him. and tried to push me to get more people to come get recruited. I want a full refund, I dont appreciate being lied to.
Business response
10/30/2023
Greetings,
Thank you for your interest in PHP Agency.
We hate to see you go!
To request your refund please provide your PHP agency code number and email address that you provided when enrolled send an email to: ********************************.Initial Complaint
10/23/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I am requesting a refund of ****** to be put into my bank account. I had three days to make this request and I am making it well within the refund period. ************************* is not attempting in any way to refund me 150 dollars when she was the one that set up my account. She texted me and said she might send me 147 dollars if she gets some kind of confirmation from Php Agency.Business response
10/30/2023
Greetings,
We hate to see you go!
We have deactivated your agent code with PHP Agency, Inc.
This means you will no longer be charged any fees and you will no longer have acxcess to any ***********.
Regarding your refund, it has been processed as of 10/17/2023
Please allow **** business days for the funds to relect onto the card used at the time of enrollment.
Please be advised that depending on your financial institution, it can take up to 30 days.
You may re-activate your account in the furture by sending us a written e-mail request to: ********************************.
Thanks for contacting us to assist you!Initial Complaint
10/16/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
I was given a presentation and was interested in the insurance. I came back to a meeting at which time I signed up. After paying my fee I joined the others at the meeting and on Monday I received a link for phone meeting. I gave it a chance and connected to the meeting. After 5 minutes I disconnected because ***** not receiving and helpful information. I felt I was misled to sign up and am no longer interested. I contacted the person who signed me up and asked for a refund because it was something I did not wish to pursue. He started sending me the information to take the exam AFTER I asked for a refund. He called me trying to manipulate me into staying and kept asking me my reason. Because Im not interested. I had to hang up because he was borderline harassing. Still no response or refundBusiness response
10/17/2023
Good morning *************************,
We hate to see you go,
To request a refund please submit an email to ********************************
Please add your enrollment information to the email, example: your name, PHP IS code, email address that was used when you signed up, the account card that you used for thie to be refunded back,
Please allow 5-7 business days for this refund to be processed and for you to receive.
Thank you in advance
Initial Complaint
09/28/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I payed $199USD to join the company PHP to be trained and become a life insurance agent. This payment occurred on 9/22/23. However, I feel I was mislead on what these trainings would provide me. I havent learned anything about selling life insurance, I have however been being told to recruit my friends and family members to ALSO pay $199USD to do the same as me since day one. I would like a full refund to my debit card please. I am within the 3 day refund policy. My agent number is *******, the authorization code for the transaction is ******. I have also attached my receipt and transaction email of the payment.Business response
09/29/2023
Dear Girmanesh O'Conner
Thank you for your message through BBB. Your message and concerns are important to our organization and that is why we processed your refund on 09/27/2023 directly to the method of payment in which you originally used to enroll with PHP Agency directly. Please allow 7 -10 business days for the funds to reflect onto the card used upon enrollment.
Sincerely, PHP Support Team
Initial Complaint
09/11/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was mislead as to the opportunity i was supposedly given and after paying a training fee which i never took I was unable to receive a refund. I would like a refund however the company is not responding to my requests.Business response
09/12/2023
Dear *****
We are grateful that you took the time out to leave us a review. Your feedback helps us to improve service for everyone. Please reach out to us directly via email to ********************************.
A refund have been approved for you. please give 5-7 business days to receive your refund.
Thank youInitial Complaint
08/23/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
The hiring agent was the one who referred me to the agency. I made a transaction on August 18 through a male agent on an on-site location for the *** New Associate Fee for $199.*** I have made payment under false pretenses as I found out through reviews here, the location that I went to the ***********, ** location. I was sucked into making a payment to go ahead and have financial freedom, whatever that means. There are many websites that shows " join the course to get started" and official company that will get you certified WILL not make you pay for anything in the beginning. I demand a refund from this place. I was just laid off and need the money, but unfortunately this place is going to take it all. If I don't get the money back, this is going to court, resulting in a bad review, and further repercussions.Business response
08/24/2023
My name is ******************* with the *** Support Team at PHP Agency.
I wanted to personally reach out to you to ensure you are satisfied with your refund and have received your funds?
If your experience was positive, we would appreciate a follow up review about our customer service.
Thank you in advance and Have a Great Day!REFUND APPROVED AND PROCESSED
Initial Complaint
08/14/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
On August 3rd, I attended a training class for my friend to assist her with getting her insurance licenses. At the end of the meeting ***** advised he is able to assist me with getting my insurance licenses. I provided the $199. After taking my money, he immediately ended my call. That was alarming. I never received an email or call. But a text to give more money to actually sign up for something. I decided to wait to see if I would receive anything formal. To my surprise, I didn't receive an email from PHP or Keshi. I reached out to ***** the same evening requesting a meeting to understand how this will work. We scheduled a meeting for the next day. He then provided me ******* videos that immediately let me know this is a legal Pyramid scheme. It will not help me or my friend sell insurance. I requested a refund from him. He stated " You are more than welcome to request a refund we don't beg people to earn more income." I asked "How?". He was going to send me an email and of course I never heard from him. My friend did invite me to their Groupme and that was really enough to know it was a scheme. BUYER BEWARE!Business response
08/15/2023
Dear ******
We are grateful that you took the time out to leave us a review. Your feedback helps us to improve service for everyone. Please reach out to us directly via email to ********************************.
A refund have been approved for you. please give 5-7 business days to receive your refund.
Thank youInitial Complaint
08/08/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
ON 07/27/2023 I WAS RECRUTIED BY A ***************************. I PAID $200 CASH SHE DIDNT EVEN GIVE ME A RECEIT. AND ON 07/29/2023 I RECRUITED MY SISTER MY SON AND MYD DAUGHTER WITH HER DIRECTOR AND PAID ALL CASH AS WELL FOR THEM 3. 07-27/2023, 07/29/2023 I DID THE MISTAKE OF PAYING MY RECRUITER CASH AND HE USED HIS CARD SO THE MONEY WILL GO TO HIM BUT I DO HAVE THE RECEITS THE GAVE ME. NEITHER OF US GOT ANY TRAINING WE GOT NO MATERIAL NOTHING. ALL WE GOT WAS AN EMAIL TO CREATE ******** IN THE SOFTWARE TO WHERE WE HAD NO ACCESS TO ANYTHING. SHE WAS MORE FOCUSED IN ME SELLING LIFE INSURANCE FOR HER AND GETTING MORE PEOPLE IN THAN EVEN GETTING ME STARTED OR ANY OF MY RECRUITS. WE ARE DEMANDING OUR MONEY BACK!Customer response
08/08/2023
The company did contact me and I did speak to a lady do not recall her name but they did refund me. The perosn I spoke to was very polite and helpful.
I appreciate your helpCustomer response
08/08/2023
The company did contact me and I did speak to a lady do not recall her name but they did refund me. The perosn I spoke to was very polite and helpful.
I appreciate your helpBusiness response
08/10/2023
Dear ******
We are grateful that you took the time out to leave us a review. Your feedback helps us to improve service for everyone. Please reach out to us directly via email to ********************************.
A refund have been approved for you. please give 5-7 business days to receive your refund.Thank you
Initial Complaint
08/04/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
Please process for a refund, within the 3 day window. Thank you in advance. I have already sent email to ****************************** --Transaction ********************************************** Group Amount: $199.00 USD Transaction Date: Jul 25 2023, 08:30 PM CDT Authorization Code: 95568Z --Payment Information--Card Type: MasterCard Credit Card Ends With:8665 --Customer Information--Name: *********************** Email: *************************Business response
08/10/2023
Dear **********************;
We are grateful that you took the time out to leave us a review. Your feedback helps us to improve service for everyone. Please reach out to us directly via email to ********************************.
Wed be happy to assist if the agent will contact us via email, we have no record of him/her communicating with our officeInitial Complaint
07/31/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
PHP is not what they make it seems like. I was once interested in becoming an agent but they never told me what kind of services they offered but life insurance. They are want to get you life insurance and not any other services they say they have to help with. I was looking for help with my finances but kept getting asked about life insurance. I purchased the the ****** program but didnt never use it because I changed my mind once I started doing some research. I still have the email confirmation.I wanted an opportunity to help people but they are very manipulative with their wording and I feel as if I was targeted due to how I look. They use insurance as a front to recruite people. I just want my refund back to my card.Business response
08/01/2023
Dear *************************,
Thank you for your message through BBB.
Your message and concerns are important to our organization.
Your attention is appreciated regarding the matter.
Your request for your refund has been processed on 7/26/2023.
For further information regarding this request please contact PHP via email
to ********************************
I Look forward to your reply.
Thank you
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Customer Complaints Summary
130 total complaints in the last 3 years.
70 complaints closed in the last 12 months.