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Business Profile

Life Insurance

PHP Agency, Inc.
BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Complaints

Customer Complaints Summary

  • 148 total complaints in the last 3 years.
  • 61 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/06/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I made a decision to join the company. Paid $199 or the agent portal. You soon realize with PHP that their focus is not making sure their agents are knowledgeable and aware of the products they sale or even trained to do so. They flash wealth in your face. I would like to terminate my relationship with the company and my agent number deactivated and a refund for my agent fee. Agent ID: ******* Email: **********************

    Business Response

    Date: 04/09/2024

    Greetings, 

    Thank you for your interest in PHP Agency. 

    We hate to see you go!

    To request your refund please provide your PHP agency code number and email address that you provided when enrolled and send an email to: ********************************* requesting a refund

  • Initial Complaint

    Date:04/02/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I entered PHP Agency on March 31st, 2024. The plan was advertised in a way and after i paid the $199 enrolment fee it was discovered that this was a mere MLM business model. This doesnt align with my personal values and thats why I would like to request a refund within the 3 first business days of the purchase. A product should be advertised exactly as it is intended to be used and shouldnt have hidden purposes. I hope this mindset changes overtime so nobody has their time wasted.

    Business Response

    Date: 04/09/2024


    Greetings, 

    We hate to see you go!

    We have deactivated your agent code with PHP Agency, Inc. 

    This means you will no longer be charged any fees and you will no longer have access to any ***********.
    Regarding your refund, it has been processed as of 4/4/2024
    Please allow 7-10 business days for the funds to reflect onto the card used at the time of enrollment. 
    Please be advised that depending on your financial institution, it can take up to 30 days. 
    You may re-activate your account in the furture by sending us a written e-mail request to: ********************************.

    Thanks for contacting us to assist you! 

  • Initial Complaint

    Date:03/31/2024

    Type:Product Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    This is a MLM and Id like a refund for my money I got forced into it saying I was gonna get alot of money but it was very vague my PHP# ******* And my email with it is ****************************

    Business Response

    Date: 04/04/2024

    We hate to see you go!

    We have deactivated your agent code with PHP Agency, Inc. 

    This means you will no longer be charged any fees and you will no longer have access to any ***********.
    Regarding your refund, it has been processed as of 4/3/2024
    Please allow 7-10 business days for the funds to reflect onto the card used at the time of enrollment. 
    Please be advised that depending on your financial institution, it can take up to 30 days. 
    You may re-activate your account in the furture by sending us a written e-mail request to: ********************************.

    Thanks for contacting us to assist you! 

    Customer Answer

    Date: 04/04/2024

    I have reviewed the business response and accept this resolution. 

  • Initial Complaint

    Date:03/25/2024

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was brought in by a supposed friend on 03/24/2024. Before coming in for the meeting I asked what the job was about but he said its me selling insurance to people I asked for the companys name but he did not to worry about it that when I come it to the meeting I will lead me more. So I went to the meeting and on getting there and everything went so fast and I just didnt know what was going on all I was told was I would be making a lot of money. I did not yet have a chance to research the company but they kept pushing me and pushing me until I had to pay $199. And it made no sense to me at all because why do I have to pay money for me to get a job? That is very clearly illegal and upon further research i have seen so many post and complaints about this company. How they scam you to pay $199 with the promise to grow but all they make you do is go find more people to pay $199. You never actually sell insurance. I spent the whole night watching video reviews and articles on how they scam people and oh my god its every very scary to see how they manipulate people. I do not want to be a part of this pyramid scam company and I need my money back please and thank you. My email address is ********************** and my phone agent code is *******

    Business Response

    Date: 04/01/2024

    Greetings, 

    Thank you for your interest in PHP Agency. 

    We hate to see you go!

    To request your refund please provide your PHP agency code number and email address that you provided when enrolled and send an email to: ********************************* requesting a refund

  • Initial Complaint

    Date:03/22/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hi, I had joined PHP on 2/20/24 my transaction of $199 was made. I was brought in by a friend and everything went so fast and felt rushed to sign up, this will not be for me. Please I would like my refund.

    Business Response

    Date: 03/26/2024

    Greetings, 

    Thank you for your interest in PHP Agency. 

    We hate to see you go!

    To request your refund please provide your PHP agency code number and email address that you provided when enrolled and send an email to: ********************************* requesting a refund

  • Initial Complaint

    Date:03/19/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I paid them $199 for the initial agent fee thinking that I'd learn the insurance game and sell insurance but at the first meeting afterwards we didn't even go over insurance just about recruiting and bringing on friends/family to either work under you or for your "superior" to sell to which is just MLM pyramid scheme which I did not think this was and that they didn't make clear in the initial zoom call when first offering the job. I'd like my refund and for them to be more forthright in recruiting potential employees about what they'll actually be doing in their day to day and how they'll be making their "sales".

    Business Response

    Date: 03/26/2024

    Greetings, 

    Thank you for your interest in PHP Agency. 

    We hate to see you go!

    To request your refund please provide your PHP agency code number and email address that you provided when enrolled and send an email to: ********************************* requesting a refund

  • Initial Complaint

    Date:03/17/2024

    Type:Service or Repair Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    After being recruited and being told this indeed was not an MLM, later finding out this is an MLM. After trying to get my license to operate I got the run around in regards to recruiting and this truly is very unprofessional and dishonest, no integrity to the way they operate in terms of transparency. I am very concerned with the way people operate in delusion, wake up and smell the coffee.... and maybe drink it. what world do these people live on?? instead of scamming people and taking their time, maybe do something actually productive.

    Business Response

    Date: 03/26/2024

     

    Greetings, 

     

    We hate to see you go!    
    I have acknowledged and received your refund request. At this time You are not eligible for a refund. You enrolled01/25//2024,  and you requested your refund on 03/14/2024.

    The Associate has 3 business days from enrollment date (the date the $199.00 fee was charged) to provide PHP a formal request for a refund of the PHP New Associate Fee. 
    Thanks for contacting us to assist you! 

    Customer Answer

    Date: 03/26/2024

    I am rejecting this response because:   You're MLM individuals sold me on this idea that refunds can be issued at any time, leaving out a critical factor in regards that they can only be issued within 3 days. On top of that, I made it clear I was interested in obtaining the state license, and no guidance was provided on that. 

    Business Response

    Date: 03/27/2024

     

    Greetings!

    Thank you for your response. 
    your request is in review

    Customer Answer

    Date: 03/27/2024

    I am rejecting this response because:   please follow up with a solution. my desired outcome is a refund, if this is not issued; I will be filing with the *** and possible action w/ my lawyer. I have everything in writing, text messages etc. 

    Business Response

    Date: 05/20/2024

    Greetings, 

    We hate to see you go!

    We have deactivated your agent code with PHP Agency, Inc. 

    This means you will no longer be charged any fees and you will no longer have access to any PHP systems.
    Regarding your refund, it has been processed as of 5/20/24
    Please allow 7-10 business days for the funds to reflect onto the card used at the time of enrollment. 
    Please be advised that depending on your financial institution, it can take up to 30 days. 
    You may re-activate your account in the furture by sending us a written e-mail request to: ********************************.

    Thanks for contacting us to assist you! 

    Customer Answer

    Date: 05/20/2024

    after 3 months of filing complaints with the BBB, and FTC. Finally PHP honored my request for a refund... 

  • Initial Complaint

    Date:03/15/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I had purchased the enrollment fee with PHP agency which was the ****** and I have been emailing them for my refund for the past two days and still havent received anything back. My names ************************* and my agent code is *******. You can reach me at *********************** Thank you.

    Business Response

    Date: 03/26/2024

    We hate to see you go!

    We have deactivated your agent code with PHP Agency, Inc. 

    This means you will no longer be charged any fees and you will no longer have access to any ***********.
    Regarding your refund, it has been processed as of3/15/2024
    Please allow 7-10 business days for the funds to reflect onto the card used at the time of enrollment. 
    Please be advised that depending on your financial institution, it can take up to 30 days. 
    You may re-activate your account in the furture by sending us a written e-mail request to: ********************************.

    Thanks for contacting us to assist you! 

  • Initial Complaint

    Date:03/14/2024

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Agency - Requesting Refund Dear Better Business Bureau,I hope this email finds you well. I am writing to file a formal complaint against ************* Agency regarding the services I paid for but did not receive. On January 28, 2024 I paid $199.00 and along with additional fees, for the promised information and training to become a licensed insurance agent. Unfortunately, my experience with ************* Agency has been extremely disappointing. On the first day of the class, it was cut short due to the instructor's sudden departure for a company meeting in *********. This significantly impacted my learning experience.In an attempt to clarify the situation, I followed the instructions to contact the instructor via Band app for details on the next class. I received confirmation that the class would be held in person at 7 AM. Trusting this information, I woke up early the next morning, drove for over an hour, and searched for the specified suite mentioned in the training session flyer. To my dismay, there was no such suite in the building. After finally locating a PHP agent, I was informed that the class would actually be conducted via Zoom.Feeling frustrated, I reached out to the instructor once again to inquire about the upcoming class. However, the response I received was rude and unhelpful. The instructor mentioned uncertainty about the class due to monthly closeout, which further added to my disappointment and confusion.Given these circumstances, I kindly request a full refund for the amount I paid to ************* Agency. The services and information that were guaranteed have not been fulfilled, and the lack of communication and professionalism from the instructor has only exacerbated the situation.I appreciate your attention to this matter and hope for a swift resolution. Thank you for your assistance.Sincerely,*******************************

    Business Response

    Date: 03/19/2024

    Greetings, 

    Thank you for your interest in PHP Agency. 

    We hate to see you go!

    To request your refund please provide your PHP agency code number and email address that you provided when enrolled and send an email to: ********************************* requesting a refund

  • Initial Complaint

    Date:03/12/2024

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    PHP is essentially a pyramid scheme where recruiters try to get you on board by telling you their rags to riches stories and how much money they make/how much they can travel for business. They tell you to pay $199 for access to the employee portal without telling you that it takes even more money to view the training courses or register for a license. I unfortunately fell for this and I want a refund for the new associate fee of $199.

    Business Response

    Date: 03/14/2024

    Greetings, 

    We hate to see you go!

    We have deactivated your agent code with PHP Agency, Inc. 

    This means you will no longer be charged any fees and you will no longer have access to any ***********.
    Regarding your refund, it has been processed as of 3/6/2024
    Please allow 7-10 business days for the funds to reflect onto the card used at the time of enrollment. 
    Please be advised that depending on your financial institution, it can take up to 30 days. 
    You may re-activate your account in the furture by sending us a written e-mail request to: ********************************.

    Thanks for contacting us to assist you! 

PHP Agency, Inc. is BBB Accredited.

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This business has committed to upholding the BBB Standards for Trust.

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