Applied for services, paid the money and returned package unopened and asked them to cancel membership and a refund Called them to inquire about help getting medicine. Was told that there would be a $50.00 fee and $40.00 for medicine. Gave them my bank account info. they took the money out, sent me a package, which I never opened and then mailed back to them with a note to cancel. I was charged $40.00 a month for a service I had never used. I was told over the phone that I would receive a refund, once they had received the package. I was told in every conversation that I would be credited for the money they drafted from my checking account. I then received a letter stating that they would NOT refund my money, it was membership dues. I got a call from the supervisor who was very rude and called me names and said that I was the 'air head and dumbie' who didn't use the membership and that they were not going to refund my money because I agreed to the contract orally. He said it was recorded, but said I had to pay $50.00 for the tape to listen to it. I was NEVER told that it was a membership, but that it was for the medicine and that I could terminate my membership for a refund. I never signed anything, nor did I ever receive any medicine from them. He also stated that he could charge me for the whole year and that I would be responsible for the remaining membership dues, but he was being nice and cancelling my membership for me as a favor. I explained to him that I never used their service and that I was told that I would receive a refund and that it should also be recorded. He said that was untrue and he said that I just had to suck it up and take my lumps like everyone else. He was very rude and obnoxious. He belittled me and told me it was my own fault.

Here is their reply. They sent it in a pdf form and it won't allow me to copy and paste it. So click on the address below to veiw their response. Please take note, they didn't even spell my name right. This was from the Better Business Bureau.

I am very frustrated with this company. it started back in late August of 2009. My x-husband let my daughters insurance expire and has failed to do anything about it. he has this dream that he will be hired soon as full time with the company he is working for, and then he will be able to put her on his insurance. I had to step in. I have been trying daily to to get her insurance but since she has a pre-existing condition, so far not many insurance companies will take her. My daughter has type 1 diabetes and at the time was in desperate need of medicine, her medicine does not come cheap. i came across SCBN's website I made the call at first I was hesitant because while talking on the phone with the so called advocate there was loud music in the background. Future calls to this company had loud music as well. my After all the hoopla it was time for the bank info. i had made mention several times that I did not want the 90 dollars removed from my account on a Friday because I would not be able to get to the bank until late Friday. I did not want to suffer an overdraft fee. I had already set my payments in place for the money I already had in the bank. Several times I was assured that the agreement we made was that the money would be withdrawn on the following Monday. I gave my bank info with that understanding. Come Friday the money was withdrawn, WOW 90 dollars plus I was charged 62 dollars for overdraft fees because of the 90 dollar withdraw. I called the company and cancelled and demanded all my money two weeks later I received my 90 dollars but not until SCBN had to review the phone conversation I had first started with. That process took about two weeks to resolve.
My next step was for SCBN to pay for the overdraft fees they caused by pulling the money out on Friday and not Monday. Through many faxes (cause the company kept saying the faxes were not received or the fax machine had not been downloaded and for me to check at the end of the week, which I did and received the same nonsense.
when I asked to speak to a manager/supervisor I was always told they are in a meeting or one was not available or it was closing time and the managers had left. They said a manager usually comes in the evening and a call would be returned, never happened.
Final finale, here it is September 30, 2009, I finally received the call. to my surprise, SCBN told me they did cause the overdrafts. I was shocked if they would not have taken the money out and left everything alone until Monday there would have been the money to cover the 90 dollars. it was the end of the week and all my payments i adjusted for were coming in on Friday. what do they think that I am a tree and made of money. NOT. I live on a tight budget, being a single parent. I wish I would never met this company and I hope that many who read this. pass on to others who look to this company for help. SCBN makes it easy to apply, but then once you are in one is treated like a number and that's it. No customer service at all.