ComplaintsforCoverdell & Company, Inc.

• Initial Complaint

  07/15/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Called to cancel this plan kept trying to cancel this discount dental. They refuse to cancel and give me my refund keep charging on my cc not worth it

  

  Business response

  06/27/2024

  This person has filed a complaint with the wrong company.  This is a dental practice and not the Carefree Dental discount plan.  We are now Oklahoma City Dentistry as we had to change our name due to the ongoing issues associated with people mistaking our office for the Carefree Dental discount plan.  We do not have a patient of record named *****************************.  

  If you have any questions or need anything further, please let me know.

   

  Christie

  Oklahoma City Dentistry

  **************

  

  Business response

  07/17/2024

  July 17, 2024
  
  BBB of ******* & Northern IL
  ******************************
  *******, *******; 60601
  ************
  ***************************************************************************************
  
  Re: *****************************
  Complaint ID Number: ********
  
  
  Dear Sir or Maam.
  
  This letter is in response to your recent correspondence regarding the Carefree Dental program for Mrs. ****************************** We are confident the following information will be beneficial and answer Mrs. ****** questions and concerns.
  
  *************** inquired about the Carefree Dental program after visiting the programs website on May 3, 2023. After visiting the website, *************** entered her personal information on the site to request information on the programs benefits. In order to receive the program details, *************** entered her personal information on the website, which included her name, address and telephone number. Within the program information that *************** received by mail, it explained that the Carefree Dental program is a discount program that provides immediate savings of 15% to 50% off on dental services through the networks participating provider locations. The materials also indicated that in order to take advantage of the savings, the membership must activated either contacting customer service or mailing in the payment.
  
  On October 13, 2023, *************** contacted Carefree Dental customer service to activate the program.  *************** requested to be billed to the **** card provided, beginning on the 13th of November (2023). Per her request, the Carefree Dental Individual program was activated and the monthly membership fee of $15.95 was debited from her **** card on the membership effective date. In addition, ***************  was advised during enrollment and also mailed a confirmation letter to confirm that her membership would become effective on November 13, 2023 and the monthly membership fee would automatically be debited from the **** card provided on the 13th of each month thereafter. 
  
  On June 25, 2024, *************** contacted Carefree Dental customer service and requested to cancel the program. Per her request the program was cancelled. Due to the cancellation, no further billing has occurred. The last monthly membership fee was debited on June 13, 2024 and posted to Mrs. ****** **** card on June 22, 2024. Although the program typically offers refunds only when the customer cancels within 30 days from their membership effective date, an exception has been made. A one month refund has been credited to Mrs. ****** **** account for the June *************************** membership fee in the amount of $15.95. She should allow 3 to 5 business days to see the reflection in her account.
  
  If you or *************** have any questions, please dont hesitate to reach out to me at the number below. I will be happy to assist!
  
  
  Sincerely,
  
  ***********************
  Customer Service Resolution Specialist
  ************
  
  
  

• Initial Complaint

  02/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I call a # that was on a home Safety box that we bought a few years ago. It contain important papers. So we were opening it to get a receipt to do our taxes, the key was very small and it broke. This company name and a telephone # was on the box so I called the # on the box.. They gave 3 questions and to after each question I would get a # ,I should remember them. It would cost me $3 and cents so I should give her my credit card so they can be paid.I did thinking she would send me the key in the mail. She instead gave me an 800# which was not in service. I never got the key and my credit card was billed. It was all a scam. After hanging up I called the bank to cancel the transaction.I am writing this because I just read of a similar incident on your Web page.

  

  Business response

  02/27/2024

  February 27, 2024
  Better Business Bureau
  **********************************************************************
  Email: *****************************************************
  
  Re Complaint #: 21341648
        Complainant: *********************************
  
  Dear Sir or Maam,
  
  This letter in in response to your recent correspondence regarding *********************************.********* ********************************* provides administrative services for the ** Solutions program, including billing and customer service. The ** Solutions program Identity Theft assistance to help minimize the customers exposure and stop the potential misuse of the customers identity information.  We are confident the following information will be beneficial and answer ***************************** questions and concerns.
  
  ********* ********************************* was not involved in any marketing or enrollment of the ** Solutions program, but can provide the following information regarding **************************** enrollment by True North Loyalty, LLC. On February 13, 2024, ************************** called to inquire about a product over the phone.  At the end of the call regarding the product, an offer was made to her through an IVR to enroll in the ** Solutions program. Upon review of the phone call, in order to authorize enrollment *************************** verbally provided her name, address and phone number. To complete her enrollment, she provided her credit card information and authorized enrollment into the program. *************************** was also informed she would be charged the $3.95 promotional membership fee for the first fifteen days and $21.95 monthly membership fee each month if she continued his enrollment in the program.
  
  On February 13, 2024, **************************** trial period in ** Solutions began and the **** card provided at the time of enrollment was debited the trial membership fee of $3.95.On February 26, 2024 upon receipt of receiving *************************** inquiry, her enrollment in the ** Solution program was cancelled effective immediately. Due to the cancellation, no further charges will occur. A refund for the $3.95 membership fee has been credited to ************************** **** card on file. *************************** should allow three to five business days to see the reflection to his **** card.
  
  **************************** ** Solutions program is cancelled and will remain cancelled. If you or ************************** have any questions, please dont hesitate to reach out to me at the number below. I will be happy to assist.
  
  Sincerely,
  
  ***********************
  Customer Service Resolution Specialist
  ************

• Initial Complaint

  01/13/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  i thought i was requesting a refund from my drug supplier, the guy on the phone had a deep Indian accent and was really hard to understand, and caved in and gave him my card info , He said it was necessary to file for a refund (I think)And then he said don't pay attention to the info the was recorded about something from ********* I then got a **** charge on my card. I will then get a $21.95 charge monthly. I called the number on the card, got a message saying they were closed for the holidays. I tried again today, got the same message. On the web site it says they are available 24/7. I believe this whole thing is a scam.Refer to the complaint filed on your site saying the same thing happened to them. I have already changed my card info, but I do not want them to get ahold of that.

  

  Business response

  01/17/2024

  January 17, ****
  Better Business Bureau
  *********************************************************************
  Email: *****************************************************
  
  Re Complaint #: 21141152
        Complainant: ***************************
  
  
  Dear Sir or Maam,
  
  This letter in in response to your recent correspondence regarding ***************************. ********* ********************************* provides administrative services for the ** Solutions program, including billing and customer service. The ** Solutions program Identity Theft assistance to help minimize the customers exposure and stop the potential misuse of the customers identity information.  We are confident the following information will be beneficial and answer ******************** questions and concerns.
  
  ********* ********************************* was not involved in any marketing or enrollment of the ** Solutions program, but can provide the following information regarding ******************** enrollment by True North Loyalty, LLC. On December 30, 2023, ******************** called to inquire about a product over the phone. At the end of the call regarding the product, an offer was made to him by a live agent to enroll in the ** Solutions program. Upon review of the phone call, in order to authorize enrollment ******************** verbally provided his name,address and phone number. To complete his enrollment, he provided his credit card information and authorized enrollment into the program. ******************** was also informed he would be charged the $3.95 promotional membership fee for the first fifteen days and $21.95 monthly membership fee each month if he continued his enrollment in the program.
  
  On December 30, 2023, Mr. ********* trial period in ** Solutions began and the **** card provided at the time of enrollment was debited the trial membership fee of $3.95. On January 17, ****, upon receipt of receiving ******************** inquiry, his enrollment in the ** Solution program was cancelled effective immediately. Due to the cancellation, no further charges will occur. A refund for the $3.95 membership fee has been credited to ******************** **** card on file. ******************** should allow three to five business days to see the reflection to his **** card.
  
  I apologize for any confusion regarding the customer service hours for the ** Solution program. The administration of the benefits is handled by ********* Affinity Insurance Service ****, Monday through Friday from 8am to 5pm central standard time. Our office was closed on Monday January 15, **** in observance of the **************************** holiday. In the event a member discovers they have been a victim of identity theft, the programs restoration service provides a 24/7 customer service hotline where the customer can begin restoring their credit back to pre-theft status. 
  ***************** ** Solutions program is cancelled and will remain cancelled. If you or ******************** have any questions, please dont hesitate to reach out to me at the number below. I will be happy to assist.
  
  Sincerely,
  
  ***********************
  Customer Service Resolution Specialist
  ************

  Customer response

  01/18/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  08/31/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Received a letter saying I had purchased Identity Theft Protection for $3.95 a month until September 8, 2023 then it will be $21.95 per month.To terminate or cancel contact ****************************************** I attempted to terminate using this site and I was sent to another page wanting money to get this resolved.

  

  Business response

  09/12/2023

  September 12, 2023
  Better Business Bureau
  *********************************************************************
  Email: *****************************************************
  
  Re Complaint #: 20550154
        Complainant: ******************
  
  
  Dear Sir or Maam,
  
  This letter in in response to your recent correspondence regarding ******************. ********* ********************************* provides administrative services for the ** Solutions program, including billing and customer service. The ** Solutions program Identity Theft assistance to help minimize the customers exposure and stop the potential misuse of the customers identity information.  We are confident the following information will be beneficial and answer Mr. ******** questions and concerns.
  
  ********* ********************************* was not involved in any marketing or enrollment of the ** Solutions program, but can provide the following information regarding Mr. ******** enrollment by True North Loyalty, LLC. On August 21, 2023, Mr. ******* called to inquire about a product over the phone. At the end of the call regarding the product, an offer was made to him by a live agent to enroll in the ** Solutions program. Upon review of the phone call, in order to authorize enrollment Mr. ******* verbally provided his name,address and phone number. To complete his enrollment, he provided his credit card information and authorized enrollment into the program. Mr. ******* was also informed he would be charged the $3.95 promotional membership fee for the first fifteen days and $21.95 monthly membership fee each month if he continued his enrollment in the program.
  
  On August 21, 2023, Mr. ******** trial period in ** Solutions began and the **** card provided at the time of enrollment was debited the trial membership fee of $3.95. On August 26, 2023, the ** Solutions membership was cancelled due the dispute of the $3.95 fee to Mr. ******** **** card. The $3.95 was credited back to his **** card on August 27, 2023. Since the cancellation of the membership, no further charges have occurred.  
  
  Mr.******** ** Solutions program is cancelled and will remain cancelled. If you or Mr. ******* have any questions, please dont hesitate to reach out to me at the number below. I will be happy to assist.
  
  Sincerely,
  
  ***********************
  Customer Service Resolution Specialist
  ************

• Initial Complaint

  01/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I signed up with this Company in 2014, at the time it was called Regency Plans for Auto Repair Protection. They were withdrawing $17.95/monthly from my checking account, the amount changed a coupla years ago to $14.95/Monthly. The business committed to Cash for Repairs, Cash for your Deductibles, Roadside Assistance and ******************** (None of which I've ever been able to use). The Business has never resolved ANY ISSUES I've had with my Vehicle. In the Nine (9) years I've paid Monthly to this company, anytime I've tried to use the plan I get transferred to anywhere from 3-4people, placed on hold for anywhere from 20 to 30 minutes. There's NEVER been any Resolve or Assistance in any of my Vehicle's issues.The last person I spoke with on 1/12/23 (*******) said the only thing they can refund me is the January payment that was taken out on the 3rd for $14.95. I told her to Cancel the account as of that day. My Account # is ***************. Thanking you in Advance for any financial Resolve you can help me with. *******************************

  

  Business response

  01/19/2023

  January 19, 2023
  
  Better Business Bureau
  121 **************, Suite 2000
  *******, **  60601
  **********************************************************************************************
  
  Re: *******************************
  Complaint ID: ********
  
  
  Dear Sir or Maam,
  
  This letter is in response to your recent correspondence regarding an inquiry from Mrs. ******************************** We are confident the following information will be beneficial and answer Mrs. *********** questions and concerns regarding the ******************* Protection program.
  
  Mrs. *********** ******************* Protection program became effective on November 1, 2011. The program is an auto expense reimbursement program that provides:
  
  Towing/Roadside Assistance: Benefit provides emergency roadside assistance 24/7. The membership covers $100 per emergency roadside service at a maximum of three services per membership year.
  
  Repair Reimbursement: Benefit reimburses the member 20% of paid electrical or mechanical repair costs, up to a maximum of $500 per claim and an annual maximum reimbursement of $1000 per membership year.
  
  Routine Maintenance: This online benefit provides members access to savings of up to 20% on routine maintenance service for things like oil changes, tires, car washes, ***************** Deductible Reimbursement: Benefit reimburses the member up to a maximum of $500 per claim, with an annual maximum reimbursement of $1000 per membership year for automobile comprehensive and collision deductible.
  
  On January 12, 2023, ************************* contacted customer service and requested that her ******************* Protection program be cancelled. Per her request the program was immediately cancelled and no further billing has occurred. During the cancellation, ************************* expressed her dissatisfaction with the program and requested a refund of her membership fees.Customer service explained to ************************* that she was not eligible for a full refund of fees, as the program only provides refunds if cancellation occurs within the first 30 days from the programs enrollment date. ************************ explained that an exception can be made and a one-month refund of the January 2023 membership fee would be credited to her account on file in 24 to 48 business hours. 
  
  After further review, it appears ************************* did not receive accurate/appropriate information about the program and therefore an exception is being made to credit ************************* for an additional 24 months of membership fees for the ******************* Protection program. In the next two to three business days, ************************* will see 24 refunds to her bank account, in each in the amount of $14.95, totaling $358.80.  If you or ************************* have any questions,please dont hesitate to reach out to me directly.
  
  
  Sincerely,
  
  ***********************
  Customer Service Resolution Specialist
  ************
  

• Initial Complaint

  09/06/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I have tried numerous times to cancel this company to no avail. Now they have taken all the money i had out of my account. How do i close this account and get a refund?? I'm poor and i need that $15 and change. That is food money for me and my dog!! Please help me!

  

  Business response

  09/09/2022

  September 9, 2022
  
  Better Business Bureau
  ****************************************** *******, **  60601
  ************
  Email: **********************************************************************************************
  
  
  Re: **********************;       
  Complaint ID Number: ********
  
  Dear Sir or Maam,
  
  This letter is in response to your recent correspondence regarding the Carefree Dental program for ***************************** We are confident the following information will be beneficial and will address ****************** questions and concerns.
  
  The Carefree Dental program provides immediate savings through our dental, vision and prescription networks at the programs participating provider locations. After viewing the ad for Carefree Dental on ********* ******************* entered her name, mailing address and phone number to request more information on the program. After ******************** inquired about the program, she was later contacted by phone to see if she would like to activate the membership. In order to activate the membership, ******************** provided her bank routing and account number, then provided her verbal authorization to be charged on the 1st of each month for as long as she chose to remain a member, beginning on July 1, 2022.
  
  On July 1, 2022, Carefree Dental attempted to bill the bank account ******************** provided at the time of enrollment for the monthly membership fee of $15.95, but the charge was unsuccessful. Payment was returned due to insufficient funds. As a result, the July 2022 monthly membership is unpaid.The same thing occurred in the month of August when Carefree Dental attempted to charge ********************** bank account for the programs monthly membership fee, the charge was unsuccessful and the membership fee remains unpaid. On September 1,2022, the regularly scheduled monthly membership fee was debited from the bank account that ******************** provided at the time of enrollment for the program.
  
  At the time of enrollment, ******************** was informed that the Carefree Dental program is a monthly membership and she could cancel at any time. As of today, we have not received a call from ******************** requesting to cancel the Carefree Dental program. ********************** Carefree Dental membership became effective on July 1, 2022 and was cancelled on September 7, 2022 after receipt of her Better Business Bureau inquiry. Since the membership is cancelled, no further membership dues will be debited for the program.
  
  At the time of enrollment, ******************** was advised if she cancels the program within the first 30 days from her membership effective date, she was eligible for our 30-day money back guarantee. Which provides the member a full refund of their paid membership fees, if they cancel their membership within the first 30 days from their effective date. Although ******************* did not follow the cancellation guidelines, an exception has been made.The September monthly membership fee will be credited to ********************** bank account on file. She can expect to see the refund within the next 7 to 10 business days.
  
  If you or ******************** have any further questions, please contact me at the number below. I will be happy to assist.
  
  Sincerely,
  
  ***********************
  Customer Service Resolution Specialist
  773.867.441

  Customer response

  09/12/2022

  
  Better Business Bureau:
  I am satisfied with the outcome. I would not have made a complaint had I been successful at canceling in the first 30 days. Let it be known I tried numerous times to contact the merchant to no avail. Thank you to the BBB for rectifying the issue!
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  08/22/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have never used CAREFREEMD, and unknowingly CAREFREEMD has been charging me a monthly fee of ***** for the past two years. I have no idea how I was subscribed to their monthly payment, their charge's name on my **************** card was "MEMBERSHIP FEE" - for a long time I did not know it was a service I've never used. Here are the charges, and I would like a full refund. I called them to cancel the service, and I don't know if they did. I asked for refund they did not say anything. I never used their service. They charged me without my consent. DATE DESCRIPTION AMOUNT Aug 14 MVQ*CAREFREE MD ************ IL $17.95 Jul 14 MVQ*CAREFREE MD ************ IL $17.95 Jun 14 MVQ*CAREFREE MD ************ IL $17.95 May 14 MVQ*CAREFREE MD ************ IL $17.95 Apr 14 MVQ*CAREFREE MD ************ IL $17.95 Mar 14 MVQ*CAREFREE MD ************ IL $17.95 Feb 14 MVQ*CAREFREE MD ************ IL $17.95 Jan 14 MVQ*CAREFREE MD ************ IL $17.95 Dec 14 MVQ*CAREFREE MD ************ IL $17.95 Nov 14 MVQ*CAREFREE MD ************ IL $17.95 Oct 14 MVQ*CAREFREE MD ************ IL $17.95 Sep 19 MVQ*CAREFREE MD ************ IL $17.95 Aug 14 MVQ*CAREFREE MD ************ IL $17.95 Jul 14 MVQ*CAREFREE MD ************ IL $17.95 Jun 14 MVQ*CAREFREE MD ************ IL $17.95 May 14 MVQ*CAREFREE MD ************ IL $17.95 Apr 14 MVQ*CAREFREE MD ************ IL $17.95 Mar 14 MVQ*CAREFREE MD ************ IL $17.95 Feb 14 MVQ*CAREFREE MD ************ IL $17.95 Jan 19 MVQ*CAREFREE MD ************ IL $17.95 Dec 19 MVQ*CAREFREE MD ************ IL $17.95 Nov 14 MVQ*CAREFREE MD ************ IL $17.95 Oct 14 MVQ*CAREFREE MD ************ IL $17.95 Sep 14 MVQ*CAREFREE MD ************ IL $17.95 Showing 24 of 24 Summary ****************** $0.00 New Charges $430.80 Total $430.80

  

  Business response

  08/26/2022

  August 26, 2022
  
  Better Business Bureau
  121 *****************, Suite 2000
  *******, ** 60601
  ************
  **********************************************************************************************
  ************************
  
  
  Re: ********************************************
  Complaint ** #: ********
  
  Dear Sir or Maam,
  
  This letter is in response to your recent correspondence regarding the Carefree MD program for ************************************************. We are confident the following information will be beneficial and will address ************************** questions and concerns.
  
  The Carefree MD program is a telemedicine program that provides members with immediate access to a board certified physician twenty-four hours a day, seven days a week via phone or computer. Our records indicate that ******************************* enrolled directly in the program on the Carefree MD website on April 14, 2020. To enroll in the program, ******************************* selected the Talk to a Doctor link within the Carefree MD website (www.getcarefreemd.com). In order to begin the enrollment process, ******************************* entered her name, address, phone number and selected Continue to Checkout to complete her enrollment. Next,Ms. ******************************* entered her **************** credit card information,authorized enrollment/billing of the Carefree MD program and selected Submitto complete the enrollment. After the enrollment took place, ******************************* was mailed her membership materials which included the ** card and membership handbook. In addition, the materials also contained the detailed the cancellation procedures for the program. The materials were mailed to *********************** at ************************************************************************* on April 24, 2020.
  
  On August 16, 2022, ******************************* contacted Carefree MD customer service and requested to cancel the program. During her request for cancellation,******************************* asked for a refund of the membership fees. **************** cancelled the program, confirmed the program was cancelled and informed ******************************* she would no longer be billed for the program. **************** also explained that ******************************* was not eligible for a refund of the membership fees,as the program is a monthly service that provides benefits each month, even if the member does not use the services. ******************************* said Ok and ended the conversation with customer service.
  
  ************************* Carefree MD membership was cancelled per her request with customer service on August 6, 2022. The ******************** MD customer service phone was listed next to the charge each month on ************************* credit card statement. If she had any questions about the charge, customer service was available to assist. Since ******************************* did not cancel within the first 30 days of the programs effective date (the terms and conditions she agreed to during the online enrollment and stated in the membership materials),she is not eligible for a refund of membership fees.
  
  If you or ******************************* have any further questions,please contact me at the number below. I will be happy to assist.
  
  Sincerely,
  
  ***********************
  **************** Resolution Specialist
  773.867.441
  
  

• Initial Complaint

  05/16/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have *** looking for a week for a way to cancel my plan. I signed up a few months ago and never received a card or a reply to any request for information and now I just want it canceled. Then is nothing on the website telling you how to do this and they never reply to contact. Unless I'm just really blind and can't find it.

  

  Business response

  05/18/2022

  May 18, 2022
  
  BBB of ******* & Northern **
  ****************, Suite 3120
  *******, ** 60611
  ************
  **********************************************************************************************
  ************************
  
  
  Re: Amber ************************************************************************
  Complaint ID #: ********
  
  Dear Sir or Maam,
  
  This letter is in response to your recent correspondence regarding the Carefree Dental program for ***************************. We are confident the following information will be beneficial and will address Mrs. *************** and concerns.
  
  The Carefree Dental program provides immediate savings through our dental, vision and prescription networks at the programs participating provider locations. After viewing the Carefree Dental website, ***************** entered her name, address, phone number on the website to request information on the program by mail. On September 9, 2021, ***************** was sent the Carefree Dental program materials. The materials included a membership handbook,membership ID card and a billing statement. In order to activate the membership,***************** returned the billing statement which included her bank account information and signature authorizing the Plan Administrator to activate the Carefree Dental program and **** the bank account provided on the 5th of each month.
  
  Within the billing statement provided to *****************, the programs terms and conditions were also included stating that the Carefree Dental program is a monthly membership and members can cancel at any time. In addition, the terms and conditions stated if ***************** cancels the program within the first 30 days from her membership effective date, she was eligible for our 30-day money back guarantee. The guarantee provides the member a full refund of their paid membership fees, if they cancel their membership within the first 30 days from their effective date.
  
  ***************** Carefree Dental membership became effective on November 5, 2021 and was cancelled on May 16, 2022 upon receipt of this inquiry. The following payments were received while ***************** membership was in effect: November 5, 2021, December 5, 2021, January 5, 2022, February 5, 2022, March 5, 2022,April 5, 2022 and May 5, 2022. Next to the reoccurring charge on ***************** bank statement each month, the Carefree Dental customer service phone number was located next to the charge. As of today, customer service has not received any written or verbal requests from ***************** seeking to cancel the membership.
  
  We do not have record of receiving any communication from ***************** regarding her request to cancel.  The membership is now cancelled and no further membership fees will be deducted for the Carefree Dental program.
  
  If you or ***************** have any further questions, please contact me at the number below. I will be happy to assist.
  
  Sincerely,
  
  ***********************
  Customer Service Resolution Specialist
  773.867.441
  
  hy here...

*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. ↩