LOCATION: United States
Cash Value vs term
Term Insurance vs. Cash Value Insurance
In a nutshell, term insurance
is pure protection. You can compare it to car insurance, in that way. It is used only to provide coverage in the event of a death. Cash value, on the other hand, is protection coupled with a savings vehicle. In other words, your monthly premium for a cash value policy is split up to pay both for the protection and for an investment. Cash value comes under many different names like whole life, universal life and variable life, but the protection under a cash value... read full review »
MacDonalds, Fruit Smoothie
Dear Sirs: I wish to bring to your attention an environmentally critical issue in regards to your containment design of your beverage cups w/ clear plastic cover.
As a wildlife rehabilitator I have seen this occur three times in the last few months. Evidently the diameter of your "doomed" plastic collars about the fruit drinks is small enough for several mammal species to squeeze their heads through; yet cannot remove them. Today I rescued a baby skunk from a slow death by dehydration as a result of just such a cover.I would be... read full review »
banana hobby rc airplanes
5/19/10 ordered and paid in full using paypal a rc stealth bomber...it was on backorder due at end of may...then pushed back to end of june...I emailed them for two months to find out when it was coming..finally we recieved a box from them at the very end of June..they sent us the WRONG plane, not at all similar except it was an rc..I called with a bad feeling that this was intentional and was refused the chance to speak with a manager or person in charge..John of cust. service claimed the only way to speak with a higher up was online chat..I... read full review »
Periodical & Publication Connection, Inc.
On August 11, 2009 a young man came to my door to sell magazines and cookbooks so he could finance a trip to Pearl Harbor. At first, I told him that I was not interested but he told me a GREAT sob story and told me that he was the nephew of one of my trusted neighbors and had been referred to me by them. He also told me that he lived in my neighborhood at the bottom of the hill. I fell for it.
I chose a cookbook I was only marginally interested in and wrote out a check for $48 and was told that delivery would take about 120 days. The... read full review »
Benchmark Reviews
When posting the truth about a press release regarding Encrypt-Stick Benchmark Reviews continues to delete the truth about ENC Inc. and Encrypt-Stick's false and misleading statements.
Don't Believe Benchmark Reviews. They are paid to conceal the truth with regard to ENC Inc. and Encrypt-Stick.
I once worked for Ed Rusnak, ENC Inc. & Ed Rusnak & Associates Ltd.
Their software is not the best. I spent countless hours consulting for ENC only to be told that the pay I received was "Loans" I was duped into believing... read full review »
TSR Recovery Services
So i wrote a check fro $20.00 to safeway that bounces on accident and i had a hard time paying them back in time. By the time i was able to pay them back they added on a $60 fee and required i took a fraudulant check writing class that i had to pay for which was another $120 dollars. I was very upset first off at how safeway handled it but then i paid the fee and went to the class and thought i was done with problem. Then 6 months down the road a keep getting a call from an unavailable number that calls at random times and sometimes when i... read full review »
Encrypt-Stick
I once worked for Ed Rusnak, ENC Inc. & Ed Rusnak & Associates Ltd.
Their software is not the best. I spent countless hours consulting for ENC only to be told that the pay I received was "Loans" I was duped into believing Ed Rusnak's rederick. Now I am Better educated and no longer believe anything coming from his company or affiliates.
See proof of better free software here: http://www.rohos.com
The claim to be the highest 512bit encryption is also false. http://wwwAladdin.com and http://www.Safenet.com are Gov... read full review »
American Power Conversion Corp.
I had bought the APC home inverter BI800I with 2 years warranty on inverter and battery. However for last 2 months the battery was giving negligible backup and now the inverter had been shut down for last 15 days. the inverter fan is also making a lot of noise when running. I brought this to the notice of service engineer but he dusted the fan and the problem was not rectified. I made numerous calls to their call center and each time I was promised that the problem would be solved within 48 hours but now it is going to be more than 15 days and the problem is still unresolved. The customer has no option but to face the electricity woes. read full review »
iq quiz
Two of my sons both had a subscription charge of 9.99 per month for this IQ quiz which they never took and at no time agreed to. Somehow their cell phone number was billed. This is a major scam! read full review »
Reliance Web
Bought the reilace data card on 6th May. I was assured by the customer care that within 48 hours of address verification, the data card will be activated and I will be informed. My address verifiction was done on 7th may around 2pm. Till now, after 76 hours neither the card is activated nor have I received any communication. My attempt to seek the help of the customer care has been futile, as none bothers to attend calls it seems. read full review »
Bajaj Auto
I would like to bring it to your notice that the vehicle BAJAJ KRISTAL vehicle is a troublesome vehicle right from the date of purchase. Every time, I send the vehicle for service to the service dealers, I could find the same complaint un-rectified. I could see the same problem immediately the next day when I take the vehicle on the roads. The problem is that whenever I fill in petrol even for Rs.30/- the fuel needle shows that the tank is full, and also the fuel indicator does not blinks even when there is no petrol in the tank. I could... read full review »
Tata Sky TV
This mail is to bring to your notice that Tata-Sky TV is making false promises to the customers. The only reason I switched to Tata-Sky was that my local cable operator was not providing me the Neo Sports and ZEE Classics channels. And I made it a point while talking to their representatives.
Now the company has taken both the channels off the air and the customer’s support team says that they don’t have any plans to bring them back.
Today it was really frustrating when I was not able to watch the 1st test match between... read full review »
Creative Innovations
The chair collapsed last week. My complaint is about the complete lack of responsiveness of the supplier. The chair can either be replaced or repaied. We have never reached to the point where we can even explain the problem.
Our repeated calls and emails have gone unanswered. read full review »
Criminal Law Enforcement
I keep receiving calls from this agency stating that I have an outstanding balance and if I do not pay up, legal action will be taken and I will be arrested. The caller keeps changing his name and phone number but it is the same man calling with a heavy Indian accent. He has called my place of employment. I am at the point where my employer might fire me. I have put an an extensive complaint with the FTC and now I will call the local police etc. This had been going on since April 16th. They need to be stopped. I have asked for information in... read full review »
HRRG Collections
Received a bill from HRRG collections in the amount of $1434 for a ER physician for my son. I had taken my son to the hospital on 2/10/10. Curious why the amount is so high as I have insurance, United Healthcare. So I called HRRG to find out what was going on and was told by a guy named "Jerry" that my insurance had been billed and they denied the claim. So his response is "check, check or credit card". Wasn't even interested in was the claim really valid? Just wanted the money, even after I tried explaining that hi... read full review »
Windowsheild/Vetter
We unfortunately purchased and installed Vetter windows when building our home. The product was faulty resulting in thousands of dollars in water damage to the structure of our home. These Vetter windows are now owned by Windowshield of whom has the worst service of any company I have ever dealt with. These windows came with a 25 yr warranty yet the company will NOT replace the windows, they will only "fix" them. Well, "fixing" them has turned out to be a complete nightmare. Wrong parts are sent only to delay costly carpentry... read full review »
Ferns n Petals
As per advertisement on the website www.fernsnpetals.com for delivery anywhere in India on the delivery date specified. Mode of payment is credit card. I booked the jewellery advertisd on their site for mother & mother in law on account of Mothers Day. The advertisement mailers for the same had been clogging my mail box.I booked and made payment for my deliveries on 12th May [confirmation for the same in my mail box]. The delivery date was 15th May. I called the customer service to track my order which had not reached till 6:00 pm. The... read full review »
Hardin & Grace
Attorney hired us to perform translation of legal documents into Spanish and refuses to pay. Used the translation for his own enrichment.
Documentation is available. read full review »
Sagar Travels Bangalore
I booked ticket for Tirupati package tour dated 11.05.2007 in SAGAR travells.seat numbers were 25 and 26 and amount were charged is Rs1700.but on the date of journey i found that my seat(26&26)were given to some one else already.When i questioned about this, i was given an option to get down the bus at outskirts (apprx 6 kilometers)from the boarding stop.and when i requested my money back, they told IT WILL NOT BE GIVEN AND GO TO ANY CONSUMER COURT YOU WANT.i request you to understand the time, money, energy and one day leave i lost because of this (SAGAR TRAVELLS) travels. read full review »
Out of Africa
On the out of africa website it tells you that the admissions and ticketing area closes at 4pm. What it doesnt tell you is how rude and dismissive the staff AND management is at the admissions booth. After driving over 2 a half hours (one hour stuck in traffic) we arrived at 3:11 pm. At that time we were dismissively told that we missed half of the carnivore feeding tour (that STARTS at 3pm) and if we wanted we could walk up the back way and catch up with them. But doing that we would risk missing the 4pm ride into the Senergeti area at 4pm... read full review »
Bhupendra & Brothers
I have purchase a air condition but the compressor was not installed properly the hot air enters in the room, and the beheviour and answer was horrible, he say he will take away the machine and refund the money, as my grand mother are old and not well due to summer, i request you to take immediate action. read full review »
Consumer Rewards Program
letter says this:
BUSINESS SERVICE MARKETING
231 PETER STREET
SIMECO, ON M5B 3F3
Phone 1 (905) -598-1852
Fax: 1 (206) -600-4617
DATE: July 1, 2010
CLAIM#...
AWARD CLAIM NOTIFICATION
FINAL NOTICE
We have made unsuccessful attempts to contact you regarding your Consumer Rewards Program Winning.
In accordance with the Consumer Rewards Program Commission Policy, your prize award money has been forwarded to our clearing/disbursement institution to release your funds to you.
Your lump sum is US $9... read full review »
Linkway Honda Goregaon
While handing over the car one side mirror was not working. at the time of delivery both were not working. instead of one being fixed both were damaged. front bumper was not adjusted. was advised that the same will be done in a day or two. its been more than 2 weeks chansing the employees but still nothing has happened. read full review »
Kenmore Elite 3 Door Refrigerator
I have a Kenmore Elite 3 door with the freezer on the bottom... model number 795.77542600.
Another problem I had with this fridge is the vegetable drawers, as the small ball bearing wheels broke off just after the warranty expired. They still slide in and out, but they are resting on the plastic guides now so it is not so smooth and will probably wear out prematurely. The ball bearing wheels were connected to the frame by about 1/4" of plastic, so it's no wonder that they broke.
The fix is not simple, you have to replace... read full review »
South Indian Bank
I wanted to get a bank account transfered from varkala to trivandrum. it was a zero balance account . they gave me no information about the fact that there will be difficulty transferring the account if it was a zero balance account. and when finally the account was transferred they lost the introductory letter . and they gave me a completely useless excuse that this was the mistake of the varkala branch. but what they forgot was that they work for teh same bank and why should i pay for their carelessness. my client from soule in korea cannot... read full review »
First National Bank Of Omaha
I received a confirmation of payment after paying my bill on time. today (a week later) they contact me telling me that i entered an invalid account number and have now charged me a late fee, a payment dishonored fee, and an additional fee for paying again over the phone. I have a copy of the confirmation of payment showing that the last four digits i entered were correct but they're unable to tell me what the first three digits i entered were in order to verify that their claim is true. i find it hard to believe that i entered my account number incorrectly as it is only 7 digits long and i've had the same account number for 20 years. read full review »
Fotostore.com
This company has been taking people for a ride on the net. i had ordered a different mug and not only a different mug came but also after a delay of 5 days. they promised to me it will be delivered by 28th as that was my anniv day but i only got it on 2nd that too after n number of calls and hence to all those people who want to buy products please remember that they dont deliver on time and not the products you had offered. NOw that the payment is made nothing can be done. I had to call up even the courier people and keep in touch with them as this site said it has nothing to do with it now. this is them and theri customer service. read full review »
AT&T Premier
On June 29th I ordered 2 IPhone 4G. The first order went through at 11:56 am and the 2nd phone order went through at 12:07 pm. I have an order confirmation on both phones. The 2nd order I placed arrived on July 13th. I have yet to recieve the first order. Today is July 21. On July 8th I was told 2 more days of processing and then the phone would be shipped. On July 13th I was told the order had been suspended. I was told AT&T had forgotten to "park" my voice mail and the order was suspended due to a conflict in the voice mail. I... read full review »
Findagreenbusiness.net
I have been charged a fee on $49.99 per month for a service that was never authorized by me. This charge has been billed through my AT&T bill from a third party biller called Payment One Corp. I contacted the company which told me that one of my employees had authorized the transaction and that they had a recording to prove it which they could not provide at that moment, but said they would call me back within 24-48 hours with a playback of the recording. They agreed to cancel the account and credit me back $149.97 of the $349.93 I have... read full review »
Stupid Email Scam
Hello - Here is another really believable email (NOT!) from an idiot scammer who, like all the rest, have NO CLUE how incredibly stupid they come across. I wanted to share this for laughs. My favorite line is the very, very last one in the final paragraph. Unbelievable. Thank you for letting me share. Dianne/NYS
Found in my Gmail Scam folder:
ROBERT S. MUELLER 111 <[email protected]>
reply-to [email protected]
to
date Wed, Jul 21, 2010 at 5:34 AM
subject The Cyber Crime Division of the FBI(your ATM Release... read full review »
mvqsavingsace
Have been charged unauthorized charges on my credit card. Charges have been $19.95 twice monthly. read full review »
Red Robin Gormet Burgers
I would like to start this complaint wby saying that i love food. Most people are in the same boat here.
I hate to see the quality of a product after it was cooked 1 -2 hours ago. Every time i visit one of these restaurants i have the same experience, no matter the location. I am trying to change that! the burgers are all cooked at the same time and either put in a microwave or heat lamp until the order comes in.
Next time you visit a red robin you will notice the temperature of the burger ...it will be Luke warm...
If I am paying 10 bucks for a burger i want it to be freshly grilled and warm to the customer for crying out loud. read full review »
Moving 1
This company is the worst moving company I have ever dealt with. The day they were suppose to pick up our belongings they showed up 6 hours late. When we called, they put us on hold 15-20 minutes and were extremely rude. They basically let us know we were 'lucky' they were coming at all. They were rude and used vulgar language.
We gave a specific date for our furniture to arrive. They showed up 15 days late. Again, they told us they had the right to do so. Each time we called we were told the furniture would be there in 48... read full review »
CANDY WAREHOUSE.COM
I ordered assorted FLAVORS/colors of rock candy crystals 5lb. bag. I received the bag of rock candy crystals, they were JUST colored ALL had the same flavor of PLAIN sweet sugar. It cost $24.50 for the rock candy and $11.75 for shipping a total of $36.25 for a bag of colored sugar. WHAT A RIPOFF!! Candy lovers STAY AWAY!!! I emailed the company and complained. I have heard NOTHING back from the company. They got my money this time BUT fool me once... you know the rest! I will never ever do business with this company again! DUPED.. read full review »
I TT Technical Institute
I did a 3 month semester ($6384.56), in CEET. The computer training was the History of computers, (like that is what I need to learn and pay for!) the other 2 classes were learning Word and Excel programing, I didn't get much out of this class but a good book. And my math class, A good teacher, but I passed with an A, and I did not know what I was doing, I-TT telling me I don't need a refresher course first, when I clearly did, being out of school 25 years. So I went to another school for math and I am confident they dont pass you... read full review »
ocean harbor
This company has the worst customer service I have ever experienced. The claims department is horrble and the agents never return phone calls or answer the phones. I had an accident on July 3rd and I didn't get a response from the company in three weeks. I had to hunt my agent down in order to speak to her. The supervisor received several phone calls from me asking him to please call me and I never heard from him. Over this company is quick to take your money but is a nightmare when it comes to making a claim or customer service. read full review »
liberty discount customer care
They went into my account and charged me $34.19 on 7/20/10 without my permission. I called Liberty Discount and they told me that I agreed to the charge. I never heard of this company. They are scamming people. I called my bank and they froze my account to be on the safe side. This is a fake company trying to get people's money. be aware of this kind of scam. read full review »
Affidavit Consolidation Company
Hey Just received a call from a Michael Hawkins about a past due payday loan the number he called me from was 608-819-1731, however in the message he stated to call him back on 917-284-9293. When I goolged the 917 number it came back register to Steve Jackson and the 608 # rings busy. Nevertheless I will be ingoring this ridiculous request for money. read full review »
EDIBLE ARRANGEMENTS METAIRIE, LA
THIS PLACE IS HORRIBLE. I PLACED AN ORDER ONLINE FOR APPRECIATION BOUQUET-SMALL WITH A COUPON. I WAS SUPPOSED TO BE CHARGED $31.54 NOT THE $36.98 CHARGED ON MY CARD. THE DIFFERENCE IS $5.44. THE RUDE FEMALES THAT WORK THERE ONLY WANT TO REFUND $5. THE REFUSE TO LISTEN TO ANYTHING I WAS SAYING, KEPT PUTTING ME ON HOLD, AND WAS YELLING TELLING ME THAT I WAS BEING RUDE. I HAVEN'T REACHED MY RUDE POINT UNTIL THE FEMALE DOG YELLED MAY GOD BLESS AND HAVE A GOOD DAY. EXCUSE ME SHE MUST BE CRAZY. SO SHE THINK GOD IS GOING TO BLESS HER FOR HER... read full review »
Mary Kay Inc.
On July 4, 2010, I ordered $221.40 worth of products from Mary Kay Rep. She did not give me a receipt and since she is my sister's rep, I thought she was reputable. She told me that she would immediatly place the order and it would be back the following Monday. I have witnessess that saw the transaction take place. After a couple of weeks of waiting and not returning my phone calls, the rep brought half my procducts. It has been almost a month and she will not return my phones calls. I attempted to contact Headquarters several times and... read full review »
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