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Account Assure

United States,
Nebraska

Consumer complaints and reviews about Account Assure

ksheed1962 Send email
 
Jun 20, 2016

Account Assured

Anyone want to file a class action suit with me email: ksheed1962@yahoo.com
lizard8333 Send email
 
Mar 16, 2016

NOT WORTH IT

I've had this service since I opened my account and lost my job last month. I filed a benefit BUT I still have to make payments on my account until they review my account with all the documents they require me to send it -- which they can't even tell me what they are ahead of time so that I can have them ready!!!
Furthermore, I spoke with 2 supervisors who BOTH LIED to me! Numerous times!!!!! The first one wouldn't even LISTEN to me. I Had to repeat myself so many times I lost count.

Do not bother with this service. I can't wait until their "resolution team" "calls" me (I'm holding my breath....)
adeleh53 Send email
 
Jan 26, 2016

Account Assure - Gander Mt Credit Card

Please don't sign up for this service. My husband has been unemployed since June 2015 - to date they only have made 3 payments and the first payment was made in November!!! They are telling me the payments were for July, Aug & Sept, but they can't make additional ones for Oct, Nov, Dec & Jan because they are only allowed to make one a month! This service is a rip off.

You can never talk directly to a "benefits specialist". Everytime I call I get a person who takes down the same information and says someone will call and no one ever does! Its a scam. I plan to file a complaint with the better business bureau. I have called at least 10 times if not more, they have taken my information and say someone will return the call within 48 hours. Not one return call and they refuse to give me a direct number to the "benefit specialist".

They are doing everything they can to get out of paying the claim. Run away from this organization as fast as you can!
caring_telemarketer Send email
 
Dec 23, 2015

Account Assure

Honestly, we are all too busy to actually realize what we are getting into because we're all a bit (if not more) busy, naive and truly self centered. I admit it. BUT I sell Account Assure and it is a very strict, absolutely have to read verbatim, program. Nothing like any other program I've done it telemarketing. This is because there are customers out there who threaten to take legal action because of their own mistakes. Oh, and the most I can make at all selling Account Assure is $11/hour and I work part time. So think of the people who you'll maybe make jobless before going crazy over something you did indeed sign up for. I can tell you that Account Assure is a great program and there are individuals who work very hard at corporate listening to every single enrollment call fully to ensure every ounce of what is said was said correctly and that nothing was left out. How do I know this? Well, we have these things called defects. All of the agents at my call center receive them. Even I do. If something so much as "a dollar ninety nine" is said rather than "one dollar and ninety nine cents" you get a defect. If you ask a customer one of our various important questions and they reply with "Yea", "Yup", "Uh-huh", "mm-hmm" and you continue with the sale, then it comes back as a defect. I also work in outbound which is strictly calling back people who signed up for Account Assure but had an error (defect) occur during their enrollment. Half the people say things like "What is Account Assure?" And you just want to blurt out...the debt protection program you signed up for!!!!! Or even in the middle of a sale people will say yes to enrollment and further in begin to say things like "Wait, are you enrolling me in something?" Or ask if they will be charged or what Account Assure even is after already explaining the benefits and fees twice.

I'm telling you. From long term experience, people are so busy and don't pay much, if at all any attention to a telemarketer that is (in their mind) just supposed to be activating their card, or may have only heard the they were eligible for a $20 gift card part, that they don't even realize they have enrolled. I can't even believe a customer even thinks it is right of them to go asking for $3000 to be refunded from years of charges when they didn't even care enough in the first place to ensure their funds were being spent correctly for YEARS on end. And you are even given 30 days to cancel and receive a full refund if you aren't satisfied in an attempt to keep customers happy who actually pay attention or to nicely give people, that did not want to give us the time of day for five minutes, the opportunity to check their statements and notice a fee they don't recognize.
If there was a mistake, I know that the organization I work for would gladly fix it. But I also know that the organization I work for is so careful, it's even hard for us telemarketers to do our job as perfect as they want us to. But now I realize after coming here and seeing all these complaints, exactly why we have to do what we do. Mistakes do happen. No one is perfect. But that's the point. Instead of coming here and blaming Account Assure, maybe see if you had any involvement first. Are we really so busy and unaware of our surroundings that we can't even pay attention to the fact that we did indeed give our credit card number out and enroll in something and have been spending money on the protection for years? That's scary. What have we been missing that's actually important around us every day? Did we run out the door at the store and not hold it for the elderly woman coming out right after us? Did we complain about the young single mother holding up the line who was trying to find every cent she could in her wallet just to buy the few items she needed to care for her children? Are we the typical careless American who would reply to that with something like "Why would she bring a child into this world if she couldn't afford it?" We don't know the situation. We don't even know that we've been paying fees that have showed up on our credit card statements for months on end. What if you lost your job and had to hold up the line? Well if you were enrolled, Account Assure may just have your back and pay off your credit card balance for you.
wemac5@aol.com Send email
 
Dec 11, 2015

bergners

I have had Bergners account protection before through hsbc and they moved my account to Comenity. I have protection on all of my Comenity acoounts but I checked on 12/10/2015 and my Bergner account is not protected. I spoke with Elizabeth and she will have someone contact me. She also advised me to go to comenity.net/comenity/UsingAccount to sign up just in case and I couldn't locate anything on the web page to let me do so. I'll wait and see what happens. I don't want to file a claim, I just want to make sure my account is protected. I read all the negative reviews and I certainly hope all of this is not happening.
lolo4ku Send email
 
Nov 4, 2015

Account Assure Lane Bryant

I pay my Lane Bryant account online every month. I never look at my statement because I know what I am spending. I wondered today why my balance never seems to go down. I looked at my statement and found that they have been charging me over $30 dollars a month for an insurance premium that I never signed up for. I never, ever sign up for those things. I realized that I have paid almost $3,000 dollars in premiums. I asked today for them to cancel the insurance and was given a phone number to call tomorrow for a refund. They better refund my money or I will pursue them with legal action. They better show me the signed document or the recording where I agreed to pay for this policy.
Dgharris1950@gmail.com Send email
 
Sep 17, 2015

Account Assure for HSN Credit Card

I made an online payment on my HSN Card today that is processed through Comenity Bank. I've had a question in my mind for a couple of months about why my account balance never goes down. I process all transactions with HSN, including payments, online. Shame on me for not looking at my actual online statements because I'm too old to go on blind faith. I receive emails confirming purchases, refunds, payments due and payment receipts via email. I decided today to check my statements when I made the online payment. Low and behold, there are charges every month for Account Assure and the charges go back to 2013. I've never heard of the program and have no idea what it's for. I placed a call to them to find out what the charges are for and an explanation of what the program is for. I was advised that I signed up on June 30, 2013. I have never signed up for one of these programs, ever. They are nothing but a ripoff.
I advised Account Assure that they have been making fraudulent charges on my account and to cancel the program immediately. They gave me a cancellation confirmation of F79A7C8F and advised there would be no further charges as of today. In addition a supervisor, Eduardo, assured me that he was submitting a refund request and details to their "refund department ". Reading the complaints, I don't have a lot of faith that they will follow through and will be filing other formal complaints against Comenity Bank for setting up a fraudulent account.

Thank you
Debra Harris
charlene Riley Send email
 
Aug 17, 2015

unauthorize of account assure

I have had Lane Bryant account for years. Little did I know that they had account asdure on my credit account. In fact I had Lane Bryant every since 2007. I kept paying on my Lane Bryant acct. But I never seen any different in my bill. I didn't authorized them to take.out any account assure on me. When I call to enquire about it. One of the associate told me that we help you out by paying your account. I told her you did help me out that is stealing. You took something I didnt authorized.it. when I ask them about my Lane Bryant account they make lack they can't pull it up. I closed the account in July but they finished paying my bill this month. I want the balance of my refund but if not I intend to seek legal action.
iamsistalove Send email
 
Jul 24, 2015

Neglected to cancel my Account Assure Lane Bryant

I cancelled this service BEFORE the trial period was over. My bad that I would just pay my Lane Bryant card online and not look at my statement. I just found out they never cancelled this service and I've been paying all along! Will they refund me? NO, of course not because I can't prove anything. I will NEVER make this mistake again and if anyone asks, I will tell them DO NOT subscribe to this service!!
Lori Spataro Send email
 
Jan 11, 2015

Victoria Secret Account Assure

I have used this card for years in 2012 I filed a claim they said I wasn't insured I paid for this service so in case I needed it the operater said there was a computer error and said I would be credited the entire balance I am still waiting they just continued to charge me the entire year I spent about 6 hours with different representatives nothing has been done I told the bank and they are still waiting for a reply from Account Assure so they offered a hardship program from Commnity Bank there representative said make 35$ payments for 7 months seccessfuly and we will pay entire balance but that wouldn't be needed because the account would be cleared up! Nothing has happened I haven't used the card for a year I cut them up ! Now there charging me 90$ dollars a month !I won't give them anymore money .So I'm very upset but I won't be pushed around and ripped off !Lori Spataro 8623775181
rose caballero Send email
 
Oct 13, 2014

cancel

I WOULD LIKE TO CANCEL THE ACCOUNT ASSURE,
THANK YOU ROSE CABALLERO 8337 ROBINDALE AVE, DEARBORN HEIGHTS,MICH
Patricia04 Send email
 
Oct 2, 2014

gift card

I would like to know where my gift cards are that I was to get by signing up for account assure. I was to get one from peebles and bon ton. can some one look into this and send me a email to pladen@roadrunner.com it's been a month. These gift cards were to be 20.00 each and for me waiting so long I feel you should send me out 40.00 each not 20.00. I don't feel I should of had to wait all this time. Thank you
Patricia laden
shanmarie888 Send email
 
Aug 30, 2014

HSN ACCOUNT ASSURED

I JUST FINISHES ACTIVATING MY HSN CREDIT CARD VIA PHONE RECORDING WHEN I WAS SUDDENLY REDIRECTED TO A SALES REPRESENTATIVE OFFERING TO GIVE ME A FREE $20.00 GIFT CARD IF I SIGNED UP FOR SOMETHING CALLED ACCOUNT ASSURED PROMISING IN THE EVENT OF BECOMING UNEMPLOYED THEY WOULD PAY MY "REMAINING BALANCE OFF". I WAS FIRST TOLD THAT THAT THE CHARGE FOR THIS INSURANCE WOULD BE 1 DOLLAR FOR EVERY 100 DOLLARS ON MY REMAINING BALANCE EACH MONTH, HE SAID THERE WAS NO ENROLLMENT CHARGE, AND I COULD CANCEL AT ANYTIME. HE WAS SPEAKING AT SUCH A FAST PACE THAT AS I WAS TRYING TO FINISH PROCESSING THIS INFORMATION HE WAS ALREADY SAYING LETS GET YOU STARTED AND ASKING ME FOR MY 16 DIGIT ACCOUNT NUMBER. THIS WAS THE FIRST RED FLAG. SO I WANTED TO ASK A FEW MORE QUESTIONS. I ASKED HIM TO CONFIRM WHAT THE CHARGE WOULD BE IN TOTAL IF I AGREED. HE SAID IF I HAD AN OUTSTANDING BALANCE I WOULD BE CHARGED AS WE HAD DISCUSSED EARLIER. SO TO VERIFY THIS I SAID IF MY ACCOUNT HAS A $200 BALANCE THEN THE CHARGE WILL BE FOR $2.00 CORRECT? HE THEN STATED THAT THAT WAS INCORRECT AND TOLD ME THAT I MUST HAVE MISUNDERSTOOD, THE CHARGE IS $1.00 FOR EVERY $50.00 SO MY INITIAL CHARGE WOULD BE $4.00 NOT $2.00. THAT WAS THE 2ND RED FLAG BUT AGREED TO THE TERMS ANYWAYS. HE SAID I HAD 30 DAYS TO CANCEL AND I WOULD BE REFUNDED SHOULD I DECIDE TO NOT KEEP THE INSURANCE. SO I FIGURED I WOULD HANG UP AND CHECK REVIEWS. I HAVNT FOUND 1 GOOD REVIEW YET! SO I WILL CANCEL ASAP. HOPEFULLY WITHOUT A PROBLEM. IT IS VERY OBVIOUS THAT THESE REPRESENTATIVES GET COMMISSION ON THESE AGREEMENTS AND THEY USE THE $20.00 GIFT CARD TO GET YOUR ATTENTION. ALSO HEARING THE WORDS YOUR BALANCE WILL BE PAID OFF IN THE EVENT OF BECOMING UNEMPLOYED OR INJURED SOUNDED GOOD AS WELL. BUT AS WE ALL KNOW IF IT SOUNDS TOO GOOD TO BE TRUE IT MOST LIKELY IS AND NOTHING IS FOR FREE. I SHOULD OF USED MY BETTER JUDGEMENT AND NOT AGREED TO THIS SCAM AND SHAME ON HSN AND MANY OTHERS THAT PUSH THIS RIDICULOUS SCAM ON PEOPLE THAT DONT KNOW BETTER OR THINK THEIR GETTING GOOD PROTECTION WHEN IN ACTUALITY THEY ARE PAYING MORE MONEY FOR SOMETHING THAT DOESNT EVEN HOLD UP THEIR END OF THE DEAL WHEN ITS THEIR TURN TO DO SO, OR ADDING THIS TO PEOPLES ACCOUNTS WITHOUT THEIR KNOWLEDGE IS JUST WRONG. AND NOT HAVING IT CLEARLY LISTED AS A CHARGE ON THE BILLING STATEMENT SHOWS THAT THEY ARE NOT TRUSTWORTHY AND HOPING PEOPLE WONT NOTICE A FEW DOLLARS HERE AND THERE WHILE THEIR GETTING RICH. ALSO FORGOT TO MENTION THE 3RD REG FLAG. AFTER HE GOT ME TO AGREE TO THIS INSURANCE SCAM HE SAID NOW THAT WE HAVE YOUR HSN ACCOUNT PROTECTED LETS GET YOUR IDENTITY PROTECTED FOR 99CENTS THE FIRST MONTH AND 14.99 A MONTH AFTER THAT DO HAVE YOUR CONSENT TO CHARGE YOUR ACCOUNT 99 CENTS? THANK GOD I DECLINED. BUYERS BEWARE. ALL I WANTED TO DO IS ACTIVATE MY CARD NOT HAVE SOMEONE TRYING TO SELL ME SOMETHING AND WASTING MY TIME. SOMETHING NEEDS TO BE DONE ABOUT THIS. I AGREE WITH JULLBULLY SAID ABOUT NOT EVEN WANTING TO HAVE A CARD THAT OFFERS ACCOUNT ASSURED BECAUSE IT SHOWS THEY DONT CARE ABOUT THEIR CUSTOMERS GETTING RIPPED OFF WITH THESE SCAMS. I WILL PAY MY REMAINING BALANCE, CANCEL THIS PLAN AND THEN CANCEL MY CREDIT ACCOUNT WITH HSN. (WHO ADVERTISES THIS SCAM ON THEIR CARDS BY SAYING UPON REGISTERING YOUR CARD FIND OUT HOW YOU CAN GET A FREE $20.00 GIFT CARD).
Richard price Send email
 
Feb 18, 2014

HSN Account Assure credit card fees

My 93 year old aunt has a HSN (Home Shopping Network) credit card with something called Account Assure, which costs her almost two percent a month, 24 percent a year, for pay-off insurance on that HSN credit card. That is in addition to HSN/Comenity
Capital Bank "standard" 26.99 percent annual interest charges.

That means her credit card balances are charged about 51 percent in interest and fees per year, or more than 4 percent
a month!

The Mafia, in the old days, has been reported to have charged less!

Shame on HSN! Shame on people who work for, and help, HSN take such severe advantage of our elderly relatives and friends!
upset customer Send email
 
Jan 28, 2013

ACCOUNT ASSURE/ INS /PROCTECTION

I have an account assured for my avenue credit cared and in mid December I first notified them and got at benefit number and them mailed them all my documents with the benefit number listed on each document. I then made a call to them on December 28th 2012 to find out the status of my case and was told that they had not received anything nor do they show anything as me having a case. The benefit # i provided is not correct and I advised them that it is from a letter that they sent me so how could that be, Well after a very long and frustrating conversation with several persons I eventually spoke with a young man who advised me that the best thing to do is to re file and that he would send me a new form and that he would also give a $25 courtesy credit to my account in the meantime thanked him and told him ok. On 1/4/13 received the form completed it and faxed it over this time on 1/8/2013 to the 888=633=0674 # with the new benefit # they provided on 116/2013 they advised me that my case was approved and that my account would be credited within 7 business days by electronic check. I waited for 7 days and called as I did not see anything in my account on line = the lady told me that it would be there by 2:00 pm that Friday 1/23/2013 so I thanked her and hung up. On 1/28/2013 I checked my account and it was not there so I called Account Assure and spoke with the Manager - Greg - I told him that its 9 business days and I have a letter stating that it would be 7 so why is it not there - he started to tell me that there is something that they received on the 22nd in the mail and that he need to check it so i told him that I have this letter that states it has been approved and then he said that he would call me back before he hung up I asked what was it that he received on the 22nd went to check and he could not tell me as it did not show anything. He said he would find out and call me back later with both answers as to what and when the money would be deposited. As far as I am concerned Account Assured is not really assure and reliable as they say one thing and do not come through The $25.00 that they said they were going to give me I am still wait on and as a result of them not making the deposit of the money in a timely manner I am now being charged a late fee on my account. I would have made a payment to my account if I had known that they were not going to make they payment on time as they had stated in their letter.
This is not right and someone should do something about this.
GeorgiaHundhausen Send email
 
Feb 23, 2012

Insurance/Protection Service

I hIave account assure for my Peebles credit card. In November account assure sent me an email and said if I spent $40 they would give me a $20 credit. It wa supposed to be posted on my December statement. It was not on my statement and I have called them 3 times and keep getting the run around. Today I talked to a supervisor and he said I never filled out the paperwork and sent it back in to get a gift card. It was not supposed to be a gift card. He is supposed to call me back this afternoon but Idoubt that he will. I will keep calling them until I get my $20 and then I will cancel. I will never use account assure again .
DawninOrlando Send email
 
Feb 23, 2012

Insurance/Protection Service

Apparently when I signed up for my Avenue Credit Card, the sales person (who is on a commission basis for this service) signed me up for a "protection" service called Account Assure. This protection is supposed to pay off my account in the event of loss of employment. I receive my Avenue Credit Card statements online and usually just make the minimum payment. The Account Assure fee does not show up anywhere on the main page or payment page.

When I lost my job I obviously did not know I had this service or I would have used it to cover my Avenue balance. It wasn't until over after a year of unemployment that I finally couldn't even manage the minimum payments anymore that I found out I had Account Assure and had been paying for it for years. Now that I found out and am asking for coverage, they are saying that the claim was filed too late. I have proof of the date of my unemployment and as I was covered at the time of becoming unemployed (which I can prove, and did send proof of to both Account Assure and Avenue), they should honor my agreement and balance as of that date. I never received any information or terms from them until after they canceled my service and denied my claim.

Also, these agreements should be signed up for completely separately from signing up for your credit card on site, instead of as a slight extra that a commission based salesperson can add without your knowledge.

They should provide either a refund for the amount paid to Account Assure as I obviously did not even know I had it (or I would have used it when I became unemployed) or settlement of my Avenue account.

Redcats, Avenue and World Financial Network National Bank are also responsible as they allow this to happen to their clients.
Jullbully Send email
 
Feb 23, 2012

Insurance/Protection Service

I also had Account Assure for my Lane Bryant account. I became unemployed when my company closed.They did pay, but they don't pay your balance like they let you think, they go back to the date I became unemployed and paid the amount due at that time. Because they did not pay the balance when I requested the help they kept racking up the late fees and tons of other fees. I paid the card off and cancelled my account. Lane Bryant's clothes are cheaply made and overpriced anyways. I will never use Account assure again and If I am contemplating getting another merchant card and they offer account assure I will not get that card.

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