National Income Life Insurance

I signed with this company on April 3, 2010. I could not make the payments any longer due to the fact that I am unemployed, so I called the main office on June 3rd to cancel my policy. I told them that I could not afford this payment at this time and to please not take anymore money out of my checking account. They said no problem and canceled me. I then noticed that they took money out twice in June after the 3rd and then again, three more times in July. I called them to question this and they said the girl never fully canceled me as I requested. They ran my checking account a total of five times in two months, I was hit with five bank fees of thirty five dollars each.

The bank then closed out my account and my car insurance payment lapsed because of these fees. I have a letter from the company stating that I was canceled as per my request on June 3, 2010 and I have bank statements proving all the times they deducted my account without my authorization. I tried to reason with this company to give me back the money I was charged in fees, but they refused. I later found out through a regional manager in their queens office that the manager that was handling my policy was fired. I also was told that the office told the company that I told them to keep running my account.

The home office did not verify this with me, I never even spoke to anyone in that office that was handling my policy and I did not give authorization to continue my policy. When I tried talking to the home office, they told me to talk to Marc **, the office manager, who told them to continue to run my account. But he was fired and they said "well, you have to speak with him". This company is a fraud and they used my checking account without my authorization.

I have been seeking for an administrative assistant position for the last 3 years. I don't remember applying for a position with this company, and if I did, I only applied for administrative assistant/secretary positions. Today I got a call from Pete at National Income. He told me that I had applied for a position with them and he wanted to know if I was still interested. However, he failed to mention the position I was being interviewed for, and he never spoke about what the company does. He only mentioned where the interview will take place at. I asked him, "Is this for an administrative assistant position?" He responded, "I think it's for some manager position. If anything, the directors will fill you in."

Must I say this man sounded as if he did not want to be asked questions about this position, he just wanted me to show up for the interview. He was so in a hurry over the phone he did not even give me time to show up to the interview. I felt as if this man was trying con me into a sales position. I just don't appreciate that fact that he was not upfront and honest with me. I am not just gonna show up to an interview not knowing which position I am interviewing for. I Google mapped the address for the interview at National Income, and Quest Diagnostics came up at the place. I called Pete and left him a voicemail about my concerns and a complaint. Pete never called me back.

As the rest of the country with the employment rate being so hire, I am looking for work and have been since November 2009. Numerous times, I have applied for Executive, Administrative, Personal,Assistant or any position with office administration- not sales. The first couple of times I thought perhaps it was a mis-posting on Craigslist but this is not the case. The company is misrepresenting themselves and I believe it is a pyramid set up. They post an ad on Craigslist for any of the titles and then automatically send back an auto reply to call them. There is no one by the name of Sabrina ** and there is no Russel **, instead it is this girl with a heavy Russian accent that tries to get you to join their commission sales team where you have to cold call and go to people's homes, does this sound like an Executive or Administrative Assistant position.

They clearly misrepresented themselves and when I asked her about it this past Monday, she denied it. Then I mentioned that it was a scam and that I was going to report them them to Consumer Affairs. At that point she said, "Go right ahead, they can't do anything". I seriously believe they are scamming the general public because they are not know like Aflac, Met, or some of the larger insurance companies and those companies do not post misleading advertisements to recruit people. Below is a sample of their email and in addition the id to the ad that I responded to on Craigslist. I also have contacted Craigslist several times about them and they haven't done anything. My last email was not as polite.

Economically this is wasting my time and yes it does have a financial impact all around. It takes away from legitimate companies looking to hire people and for the people unemployed, it waste their time. Some people don't have a computer, they need to use outside resources like that of WorkForce 1 which they limit the time or the library which is less time. They are wasting people's time and like me, I really need to find work, my bills are falling behind. Somethings may go into collection, so when we think we are replying to a real job and then find out it is not, what they make it out to be, is disappointing. As it is the stress of trying to find work for many people can lead to depression and having these type of companies replying further drive stress. This is not right.