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            ComplaintsforUnified Caring Association

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            Complaint Details

            Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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            Complaint Type
            • Complaint Type:
              Problems with Product/Service
              Status:
              Resolved
              I LOST my HC coverage after 30+ years when my Husband passed in November 2023. Minutes after signing on to the *** (Healthcare.gov) I was bombarded with harassing like phone calls and text from various entities offering Premier healthcare plans from the ***. I selected ************ because they told me I would be provided premium health care, optical & dental! I had ignored many of my health issues (broken tooth, spine/hand issues) for 18mo while caring for him so I was so relieved I would be able to go immediately to the doctor to get some help. I went to the doc only to find out when I went to place the claim, I didn't have a REAL **************** Plan to cover the cost!!! By that time, I had TWO days to sign up for coverage AGAIN with the ***. Long/Short *** denied saying I was out of enrollment window!! Got nurse navigator, appealed, then denied bc my husbands ********* had stopped & they said I didn't make enough! Told me to see out ************* I don't want to be on welfare! These people are EVIL, LYING, SCAMMING FRAUDS! *BALANCE CARE *UNIFIED CARING ASSOCIATION I see similar complaints going back years! WHY hasn't any thing been done about them?!? I never would've thought going onto a government site I would need to check the Better Business Bureau to make sure they were legit! I've been without healthcare now for over three months. This is beyond heartbreaking as a grieving widow. My quality of life has diminished and I suffer greatly with pain every day.

              Business response

              03/07/2024

              Dear Ms. *********************************** (UCA) has received your complaint. We want to thank you for taking the time to speak with us and we appreciate you giving us the feedback on what transpired.  UCA takes every complaint very seriously, and we are doing a full investigation.

              We have reviewed your file, and it is recorded that you signed up on Dec. 18, 2023.  On this day you were sent an e-signature document that lists all the benefit information.We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on Dec. 18,2023.

              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

              In addition to sending your **signature prior to purchase, the signed copy of the **signature was emailed to you the next day, a welcome email was sent, and a welcome letter was mailed through the *****  UCA takes these precautions because the plans are sold by independent licensed agents, and we want to make sure all our members know exactly what they purchased.

              After our conversation and understanding the circumstances,I am happy that we were able to come to an amicable agreement.

              The UCA takes pride in our members services and only want the best for our members.  We regret that you had a challenging experience. Naturally, we feel upset when we hear that an agent did not give the correct information. If you have any questions or would like to speak with us, please contact ******************************* at *********************.  We wish you all the best.

              Sincerely,
              Unified Caring Association

              Customer response

              03/11/2024

               
              Better Business Bureau:

              I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

              It's my understanding they are no longer allowing BALANCE CARE to sell their products. My complaint was with ************* however since the product sold was as a UCA product, that is where the Nurse Navigator told me to start. 

              ****** was very compassionate and took time to listen. I was told I would receive a full refund. My issue was sent to the top. A gentleman named **** called me to apologize for the heartache it caused me under such already strained circumstances and, confirmed that ************ was no longer a vendor to sell their products.  

              I will be looking at additional add-on coverage for optical and dental from UCA because I believe they do truly care about their customers. 

              Thank you,

              ******



              Business response

              03/27/2024

              Dear Ms. **********

               

              Thank you for this heartfelt response. UCA is also happy that we were able to come this mutual agreement. 

              We would just like to confirm and assure you that the agency who sold you the ************ plan is no longer selling any UCA products including the ************.

              Please remember that if you have any questions or need any further assistance you may reach out to ******************************* at **********************. 

               

              Sincerely,

              Unified Caring Association

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I was given two different health care insurances two months in a row and neither were taken by my PCP. They swore up and down my doctor took it. The second time they said they were giving me ********** Blue Shield and it was actually ************* I never heard of it. My doctor ****** take it and it is not what I signed up for. I was lied to and tricked. I want my money back

              Business response

              02/21/2024

              Dear ********************,

              It was such a pleasure speaking with you this past week.  Unified Caring Association (UCA)received your complaint, and we thank you for taking time out of your busy day to give us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

              During our phone call you expressed how the plan does not fit your needs and that you wanted to cancel this product. You stated that in the past two months you were provided with the same type of medical plans, but they are not what you wanted.

              We have reviewed your file, and it is recorded that you signed up on 01/09/2024.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 01/09/2024.

              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.
              As I explained on our call, I am unable to help with any products that are not ours or that we do not service. On the one product that was with UCA I am very happy that we were able to come to a happy resolution.

              If you have any questions or would like to speak with us again, please contact ******************************* at **********************.  Wishing you all the best in your future.

              Sincerely,
              Unified Caring Association

            • Complaint Type:
              Billing/Collection Issues
              Status:
              Answered
              End of 12/23, I purchase health insurance via ACA. agent told me $13I = balance after tax credit applied. I pay first month for my **** health insurance. few days later, get random email from "care connect" looks like spam b/c I never heard of them, and email specifically say it NOT health insurance, not ACA, not r/t health anything, and subject "limitations and preexisting illness." This NOT ACA, so assume spam. BUT they have my name, so reply,to tell them I never signed up for whatever scam they selling, and to go away. I block them. then I billed feb.2024 for $131, and I get "confirmation" online from "care connect"!? I also get paper invoice in the mail from real insurance company- for how much?? FOR $ZERO b/c tax credit covered all insurance. NO "left over balance" I realize "care connect" scammers have my cc info and I am NOT paying for my health insurance, like I was told! It is ************ cant call, so am forced to "register" on "care connect" to find out who they are and what they billing me for?! fyi_ they also call themselves "unified caring association" of course theres No way to cancel and I cant get cc info OFF. also cant find ANY real information like when I signed up ( I didnt) who sign me up or WHAT I PAYING FOR! consider: if/when I need to pay REAL insurance bill, (copay/deductible etc) invoice says it go direct to **** care.so..again. that is my insurance bill! " I am nurse, I educate patients to fight against "medicare"advantage" =another scam. the point is that I am very aware of this ****, and I NEVER wld hve agree to sign up for any extra"limited/pre-existing" BS, had the agent said one word to me w/slightest HINT that another company was to be involved. this worse than scam, this straight up LIE to me. I furious!! already flagged cc charge, already email demanding money back and CANCEL etc.. agent who lied to me shld be fired except I am sure they all do this, which is shameful and disgusting!!!!

              Business response

              02/07/2024

              Dear ******************,

              Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

              We have reviewed your file, and it is recorded that you signed up on 11/30/2023.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 11/30/2023.

              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

              Our office is open Mon-Fri from 9:00am until 7:00pm EST. UCA received the cancellation email that was sent on Saturday 02/03/2024 on Monday morning 02/05/2024.  Your plan was immediately cancelled, and a full refund was issued.

              We regret that you had a challenging experience and, as mentioned, we will look into this immediately. Naturally, we feel upset when we hear that a member is unhappy, and we hope that we have addressed all your concerns and that you are happy with the outcome. If you have any questions or would like to speak with us, please contact ******************************* at **********************. 


              Sincerely,
              Unified Caring Association

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I was contacted by uca & was led to believe that I had to have this coverage in order to keep my bcbs insurance. I got insurance through the marketplace & was under the impression that it was $104 a month to maintain my health insurance. Imagine my surprise when I got an actual bill from my insurance telling me my new monthly total, & they proceeded to tell me I wasn't supposed to pay ANYTHING for the 2023 year. I was extremely sick, almost dying, & trusted these people to be helping me to get the proper coverage. I don't need their standard staement about my signature. I need them to stop duping people with their false promises, & actually HELP people that need it. Most people don't have the money to spend on something that provides no benefit. I couldn't tell that I got any benefits from their "plan". My advice to anyone interested in them is to hang up the phone.

              Business response

              01/10/2024

              Dear ***********,

              Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.

              These plans are sold by individually licensed agents and these agents may sell more than one product. On all materials from UCA it is stated boldly that UCA plans are not affiliated with the marketplace or any major medical products.

              We have reviewed your file, and it is recorded that you signed up on 02/21/2023.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 02/21/2023. A copy of the e-signature was emailed to you the next day for your records.

              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

              In addition to the e-signature UCA sends a welcome email,welcome letter, and we reach out to all our members to welcome them to the plan.  The file shows that on 03/21/2023 you spoke to a member services representative, and she welcomed you to the plan and explained the benefits. On this day you signed into your online fulfillment portal and accepted the pop-up that this plan was not a major medical plan, nor did it meet the minimum standards required by the affordable care act (ACA). This fulfillment portal provides you will all your benefit information, certificates,provider searches, billing information, and much more. Furthermore, a monthly payment receipt is texted to you each month.

              We regret that you had a challenging experience and, as mentioned, we will look into this immediately. Naturally, we feel upset when we hear that an agent did not give the correct information. If you have any questions or would like to speak with us, please contact ******************************* at **********************.  Again, please accept our sincere apologies.


              Sincerely,
              Unified Caring Association

              Customer response

              01/10/2024

              I am rejecting this response because: I feel it is a standard "blame the customer" response. Your agent STRONGLY implied it was imperative to have this to keep my BCBS. The standard used to be the customer is always right, & now the customer is always wrong. I don't have a master's in business, but I do know that to keep your business strong & growing, you need to LISTEN to your customers & keep them satisfied. 

              Business response

              01/15/2024

              Dear ************,

              Unified Caring Association (UCA) thanks you for your response. As stated, we are doing an investigation into this matter.

              We never want to hear that a member is unhappy or had a bad experience with our products or our member service team. However, this complaint does not seem to be with us but with the agent/agency that sold you the plan.

              UCA does not take these matters lightly and our goal is to always assist our members. We have tried several times to contact you. Unfortunately,we have not been able to connect, and we are unable to leave a message because no voice mailbox has been set up.

              We would love to speak to you, get some additional details and see how we can help. Please contact ******************************* *********************.  We look forward to hearing from you.

              Sincerely,
              Unified Caring Association

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I signed up for marketplace healthcare over 2 years ago and have been receiving monthly charges of $121.80 through my debit card by this company and I have never even registered for their website. I have no accounts with them. My healthcare is through Aetna CVS and I have never used any other policies for my care. The first charge was 06/02/2023, and then 7 charges total, once a month. They do not provide me services and when I call to cancel they refer to a website that my anti-virus blocks as malware.

              Business response

              12/13/2023

              Dear ************,


              Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.


              We have reviewed your file, and it is recorded that you signed up on 10/10/2022.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 10/10/2023.After you signed the document, we emailed you a copy of it the next day.


              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.


              The notes on your file show that we tried to reach out to you several times and left messages for you with our contact information. You never returned our calls.


              As of today, your plan is still effective as you have not called into member services to cancel or sent in a written cancellation email/letter. Please contact us if you would like to cancel your plan. The contact information is below.


              Naturally, we feel upset when we hear that a member is unhappy. If you have any questions or would like to speak with us, please contact ******************************* at **********************.   We look forward to hearing from you.


              Sincerely,
              Unified Caring Association

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              Ive been paying $100 per month for YEARS despite never being associated with this business. My bank cant do anything, I never get a call back from them, and even when I change my card number the withdrawals keep coming. Ive wasted thousands paying into this scam.

              Business response

              12/07/2023

              Dear ******************,


              Unified Caring Association (***) has received your complaint. *** takes every complaint very seriously, and we are doing a full investigation.


              We have reviewed your file, and it is recorded that you signed up on 04/18/2023.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on 04/18/2023.


              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.


              Your complaint states that you have been paying $100.00 per month for years.  The *** shows that your plan became effective on 04/19/2023 and it is still active. Our records indicate that you have made 8 payments.


              You requested that we contact you to which we have reached out on numerous occasions and have left detailed messages with no return calls.


              Your plan is still active and will continue to stay active until you call to cancel or send in a written cancellation letter that can be mailed, emailed, or faxed to us.


              We regret that you are having a challenging experience and naturally,we feel upset when we hear that a member is unhappy. We would like to help you with your concerns. Can you please contact ******************************* at **********************? She will be happy to assist you. We look forward to hearing from you.


              Sincerely,
              Unified Caring Association

            • Complaint Type:
              Billing/Collection Issues
              Status:
              Resolved
              I called UCA when my husband needed medical insurance when he got cancer in March. ******* at *** said that for $229.70 a month my husband would have coverage through them with ************************ I have paid this monthly fee since March, 2023. I got a bill today, 7 months later from ********** saying my account is behind $800. They said they have never received my payments from UCA or that there is any record of my payments. Now, my husband will lose his insurance and I was frauded out of $1,607. My husband has cancer and now I have been defrauded by this company. SICKENING.

              Business response

              11/15/2023

              Dear ****************,
              Thank you so much for contacting the Unified Caring Association (UCA) with your concerns. We pride ourselves on connecting with our members and assisting in any way that we can.


              It was such a pleasure speaking with you and getting your feedback on your experience with UCA. As I stated on the phone, it is important to us that our members have a good experience with every aspect of the membership.


              I was happy that we were able to help and that your concerns were rectified. Please remember that you can reach out to me with any additional questions or concerns, my contact information is ******************************* *********************.

              Sincerely,

              Unified Caring Association

              Customer response

              11/17/2023

               
              Better Business Bureau:

              I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

            • Complaint Type:
              Billing/Collection Issues
              Status:
              Answered
              I signed up for health insurance through a representative named ******************************* from healthenrollment.org in March of 2023. I was emailed a prospective plan for AETNA health insurance but never received a membership number. I paid 104 for this and was charged 104 dollars every month since then without recovering and actual health coverage. I found out that I was not signed up for AETNA today through looking at my bank statements. Instead I have been paying a UCA and receiving 0 coverage, information or any membership number. I would very much like to stop paying and to be reimbursed as the insurance plan I agreed to and have email confirmation of is not the insurance I have been receiving.

              Business response

              09/08/2023

              Dear **************,


              Unified Caring Association (UCA) has received your complaint.  We thank you for giving us the feedback on what transpired. UCA takes every complaint very seriously, and we are doing a full investigation.


              We have reviewed your file and it is recorded that you signed up on March 20th, 2023. On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on March 20th, 2023.


              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.


              In addition, we emailed you, your signed e-signature on March 21st, 2023, and made welcome calls to you on April 12th,13th, 14th, 18th, and on May 19th, 2023,we sent an email reminder.  UCA did not hear from you until August 28th, 2023. On this day you called to cancel the plan. We canceled the plan and refunded your last months payment as a courtesy.


              You requested to speak with a supervisor and during that call the supervisor explained that you signed the e-signature detailing the plan benefits. This e-signature is confirmation that you were aware that you purchased this plan.  Furthermore, she explained that in addition to all the above UCA emailed you a welcome letter.The supervisor then refunded you another months refund even though you were past your refund period. The supervisor noted that you were very appreciative.


              We did contact your agent and it was confirmed that an application for Aetna was processed. However, we do not service this product,so we are unable to help you with that.


              We regret that you had a challenging experience and naturally we are upset that you were not satisfied.  If you have any questions or would like to speak with us, please contact ******************************* at **********************. 


              Sincerely,

              Unified Caring Association

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              I called the healthcare marketplace to change my health insurance plan. I went from ********** blue shield to ******. There was nothing about an extra vision, dental plan. I was charged by Unified Caring 4 months of a service I didnt request or agree to.

              Business response

              08/29/2023

              Dear Ms. **************************************** (UCA) has received your complaint.  UCA takes every complaint very seriously, and we are doing a full investigation.


              We have reviewed your file and it is recorded that you signed up on April 7th, 2023. On this day prior to your joining, you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on April 7th, 2023. This signed document was emailed to you on April 8th, 2023, as proof of signing up for the plan.


              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.


              In addition, UCA sends our members a welcome email immediately upon enrollment. This welcome email provides you with all our contact information and how to sign onto your online fulfillment portal. This portal provides our members with all the benefits information, member card, providers,billing, and much more.


              On August 2nd, 2023, we received an email from you requesting that the account be closed, and you would like a refund. Your plan was cancelled as requested and as a courtesy we did refund you your last months payment even though it was after the 30-day refund period.


              UCA has reviewed your file and feels that no further refund is due. Naturally, we feel upset when we hear that a member is not satisfied,and we will continue to be here to help you if needed. If you have any questions or would like to speak with us, please contact ******************************* at **********************.  We wish you all the best.

              Sincerely,

              Unified Caring Association

              Customer response

              08/29/2023

              I am rejecting this response because:

              I did not sign up for a plan through UCA. I was not emailed anything from them until April 21 which stated:

              We invite you to join our global nonprofit where you will enjoy the many benefits and be a part of our caring mission. Simply click here to explore membership.

               


              Business response

              09/11/2023

              Dear Ms. **************************************** (UCA) has received your rejection letter.


              We are sorry that you did not find our response acceptable.You are stating that you never signed up for this plan, but it is documented that the e-signature was signed on April 7th, 2023. This document was sent to the phone number on file, and your IP address.  Once you received the e-signature you were able to view all the information at your leisure. If you were not happy with the benefits or did not agree to the terms you simply did not have to sign.


              Members cannot be entered into our system without this signed document. This document explains the benefits, the billing and provides the disclosures.  UCA provided this signed document to you several times to the email address on file.


              You stated that you received correspondence from UCA on April 21st, 2023. At that time, you were still within your 30-day refund period and could have cancelled the plan and received a full refund.  You did not cancel until August 02, 2023. At that time, we canceled your plan as requested and as a courtesy we refunded your last two payments even though you were past your 30-day refund period.


              UCA has reviewed your file again and we feel that no further refund is due. We are upset when we hear that a member is not satisfied, and we will continue to be here if you need any additional help/information.  If you would like to speak with us, please contact ******************************* at *********************. We wish you all the best.

              Sincerely,

              Unified Caring Association

            • Complaint Type:
              Problems with Product/Service
              Status:
              Answered
              UCA has been taking withdrawals from my checking since January and I have had coverage by another carrier since January 1, 2023. They have been taking $121.80 each month, for a total of $974.40. I contacted them and they said it's my fault, because it was a month to month billing and I never canceled. I didn't cancel, because I was under the understanding that it would automatically cancel at the end of the coverage year: 2022. They said they will refund my August payment, but will not refund any of the rest. They have given me no service at all this year, and have no right to keep money for doing nothing and should refund the full $974.40. Thank you!

              Business response

              08/16/2023

              Dear **************,

              Unified Caring Association (UCA) has received your complaint.  UCA takes every complaint very seriously and has carried out a complete investigation.

              We have reviewed your file and it is recorded that you signed up on Jun. 14th, 2022.  On this day you were sent an e-signature document that lists all the benefit information. We send this document so that our potential members are fully aware of the benefits. It is documented that you read and signed this document on Jun. 14th, 2022.

              However, as a reassurance, we do provide our members with a 30-day look period. If for any reason they are not satisfied, the policy can be cancelled, and a full refund is issued.

              It is documented that you logged into your online fulfillment on Sep. 20th, 2022, and accepted the pop-up that this is not a major medical plan. This plan is a month-to-month plan that can be canceled at any time.  The cancellation information is on the fulfillment site under the terms and conditions. It states, if after the first *********************************************************** writing, by fax, phone, or e-mail prior to your next monthly payment due date to prevent another automatic bill from occurring. If you cancel your monthly membership benefits will terminate at the end of the billing cycle for which you have paid.

              You called member services on Aug. 7th, 2023, to cancel the plan, the cancellation was processed, and the service rep refunded your last payment as a courtesy. We understand that you might not have needed/used the plan, but we were here to assist you if you did.

              We regret that you had a challenging experience and feel that you were provided with all the information that you needed to cancel and that no refund is due at this time.  If you have any questions or would like to speak with us, please contact ******************************* at **********************. 


              Sincerely,

              Unified Caring Association

              Customer response

              08/17/2023

              I am rejecting this response because: Why do you feel it is acceptable to keep money for services not rendered? 

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