Additional Complaint Information
Customer Complaint:
Due to the volume of complaints filed against this business, BBB only publishes the details for 30% of the total complaints filed.
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
02/28/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
02/28/22 I recently payed a $199 fee to try and become a PHP life insurance agent. However, I feel as though I was mislead and would like a refund on my debit card. This occurred Friday, 02/25/22 which falls within the 3 business day refund policy (which I was never made aware of). I had an interview with a PHP agent where they asked me to commit $199 to pursue my insurance agent license. I initially thought this company was right for me since it claims to help save people money but I no longer have the time or interest to work here and I don't think I am a good fit for this type of work. My agent code is XXXXXXX, my customer number is XXXXXX and my transaction ID is XXXXXXXXXXXX. I've attached the payment confirmation email as well. I would like a full refund of the amount I paid.
Business response
03/21/2022
Business Response /* (1000, 5, 2022/03/02) */ Dear ****** ********, We strive for excellent customer service and we will use this as a training opportunity. We have sent an email to you to reassure about this issue. If you could respond to our email it would be greatly appreciated.Initial Complaint
02/26/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
on 02/25/2022 i was contacted by a php agent and recruited to do an interview. later that day i joined the interview to learn more about the job. I was told that i would sell life insurance to people and had to pay $199 for training, i later realized that i won't be selling insurance to people but rather recruiting instead. i feel as though i was mislead and would like a full refund on my debit card please. i am writing this on 02/26/2022 which is within the 3 business day refund policy. Could i please just get my money back.Business response
03/21/2022
Business Response /* (1000, 5, 2022/03/01) */ Dear ***** ******** , We strive for excellent customer service and we will use this as a training opportunity. We have sent an email to you to handle this matter in an efficient timely matter. If you could respond to our email it would be greatly appreciated.Initial Complaint
02/02/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
On 1/31/22 (January 31st, 2022) I paid $199 via debit card for the new associate fee and training. I am still within the 3 day refund period and would like to receive a full refund for the amount I paid. I no longer have time for the commitment as I just accepted an offer for a full time job. I have submitted a formal request via email to *****@phpagency.com and to who I believe is the upline Marketing Director. Agent code: XXXXXXX Total Amount: $199.00 Customer#: XXXXXX Transaction ID: XXXXXXXXXXXX My phone number is XXX-XXX-XXXX My email is ****************@gmail.comBusiness response
03/02/2022
Business Response /* (1000, 5, 2022/02/04) */ Dear ******* *******, We appreciate you providing this feedback. We strive for excellent customer service and we will use this as a training opportunity. Sincerely, PHP Support Team Sincerely, PHP Support Team.Initial Complaint
12/20/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
so to start a class with this company I was advised it is $199...I told Cedric ****** that I don't have $200 for this class...he stated he would sponsor $100 and I could pay $99...I paid the $99....this business is definitely not one I would do business with so I asked for the $99 back...I was advised since I paid Cedric $99 via cash app they would have to look into how they would reimbursement. I have been asking Mr. Wilson for a refund and he gave me the contact name of Joshua P******. I emailed Mr. P****** who lied and said he already told me I was past the 3 days to have money refunded to me, but then said per our conversation he was looking into how to refund me and that he sent money to Mr. Wilson and ask him for the refund. I would like my $99 refund to me. ASAPBusiness response
02/16/2022
Business Response /* (1000, 5, 2021/12/28) */ Dear ****** *****, I appreciate you responding to our email and providing further feedback on this matter. We strive for excellent customer service and per our conversation we will use this as a training opportunity. Sincerely, PHP Support Team. Consumer Response /* (3000, 7, 2021/12/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) I'm a single mom out of $99...the so called sponsor Cedric ****** received his money back. This isn't fair and unethical. I am calling local news station to see if they can assist me. Business Response /* (4000, 9, 2022/01/07) */ Dear ****** *****, We appreciate you providing this feedback. We are working to further assist you with this matter. We strive for excellent customer service and we will use this as a training opportunity. Sincerely, PHP Support Team.Initial Complaint
12/18/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
I thought this was a good idea at first untill i realized i paid 199 i am trying to formally request the refund within the time allowed but ot seems like no one is answering me i do not think this job is a good fit and would just like a response sooner not later i just dont like the fact i feel like im getting ignored my customer number is XXXXXX i just want my money backBusiness response
02/08/2022
Business Response /* (1000, 5, 2021/12/20) */ Dear ******* *****, We appreciate you providing this feedback. We strive for excellent customer service and we will use this as a training opportunity. Sincerely, PHP Support TeamInitial Complaint
12/13/2021
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
On 12-10-2021 I found this company on indeed I thought I was going to sell life insurance and finally be able to get into the financial industry. I signed up, paid the $199 fee, and went through orientation and felt a really bad feeling it didn't seem right, Then I read the script and it was for convincing friends and family into their scheme I did my research and saw other people saying the same thing it's like a pyramid scheme but legal I'm not interested I just want my money back. I am within three business days for a refund and would like a refund, please thank you.Business response
02/04/2022
Business Response /* (1000, 5, 2021/12/14) */ Dear ******** ************, We appreciate you providing this feedback. We strive for excellent customer service and we will use this as a training opportunity. Sincerely, PHP Support Team. Consumer Response /* (2000, 7, 2021/12/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) My refund is pending now, thank you for a smooth transaction.Initial Complaint
10/24/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
12/11/2020 I recently payed a $199 fee to try and become a PHP life insurance agent. However, I feel as though I was mislead and would like a refund on my debit card. This occurred yesterday 10/23/21 which falls within the 3 business day refund policy (which I was never made aware of). I had an interview with a PHP agent where they asked me to commit $199 to pursue my insurance agent license. I initially thought this company was right for me since it claims to help save people money but I no longer have the time or interest to work here and I don't think I am a good fit for this type of work. My agent code is XXXXXXX, my customer number is XXXXXX and my transaction ID is XXXXXXXXXXXX. I've attached the payment confirmation email as well. I would like a full refund of the amount I paid.Business response
12/16/2021
Business Response /* (1000, 5, 2021/10/27) */ Dear ***** ******, We appreciate you providing this feedback. We strive for excellent customer service and we will use this as a training opportunity. Sincerely, PHP Support Team.Initial Complaint
09/29/2021
- Complaint Type:
- Product Issues
- Status:
- Answered
On 9-29-2021, I signed an NAA agreement for the PHP agency and then was forced to pay $199.99. I am requesting a full refund because I do not trust this company. I was promised a legitimate opportunity to sell insurance but what I was offered is a recruiting position. I've contacted many that work within the company to get help but have been treated poorly. This is written on 9-29-2021 which falls within the 3 day window. I spoke with my marketing director and she was extremely unhelpful and what she said did not align with what is stated in the contract I signed. The contract states that I am allowed 3 business days to receive a refund and I am filing this complaint following the day I paid the initial $199.99. I paid on 9-28-2021 9:45 PM, my transaction ID is XXXXXXXXXXXX, customer# XXXXXX. My agent code is: XXXXXXX I paid with my debit card, my phone number is XXX-XXX-XXXX. I can provide other information when requested. Thanks, ******* ****** ***************@yahoo.comBusiness response
11/30/2021
Business Response /* (1000, 5, 2021/10/01) */ Dear ******* ******, We appreciate you providing this feedback. We strive for excellent customer service and we will use this as a training opportunity. Sincerely, PHP Support Team.
Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
126 total complaints in the last 3 years.
67 complaints closed in the last 12 months.