Blue Cross Blue Shield Association [BCBSA] review: bait and switch! 37

BCBS of Fl is the absolute worst company I have EVER had to deal with. I am not only a provider for them, but I also have them as my Health Insurance Company. They have been holding onto money they owe me for months and months, collecting interest on money that is not theirs. They cannot give me a reason as to why they deny the claims I submit. Only after hours and hours of fighting, do they finally send me the checks... I am going through this for the third time, and have now reported them to BBB.

As for actually using them for Health Insurance... that's a laughable matter. Their customer service reps have no idea what they are doing. They are rude, they don't listen, they talked over me constantly, they gave my OBGYN incorrect information which ended up costing me HUNDREDS of dollars in treatment that was not covered... they told me on one occasion that after I met my $250 prescription deductible, that I would "only" have to pay $40 for scripts that were not generic... NOPE... WRONG... I met the deductible and have to pay 40% not $40... so I have started a medication that I really can't stop now... and it's costing me about $100 a month...

They don't follow through, they are a horrible horrible HORRIBLE company!

I agree totally! I am a medical collector for a major trauma hospital in FL and the accounts I handle are BCBS. They do not process in a timely manner according to the FL Statutes in regards to a clean claim. I have the most problems when it comes to gettting an auto claim paid. They deny it for lack of information (usually the auto EOB) which was sent initially with the claim. Then you have to call and let them know the information is there alreadya nd they locate it and then forward on the "OPL" department which is a JOKE! They tell you that you now have to wait an additional 30-45 days for reprocessing. When that time period passes, they give you the lamest excuse that the "OPL" department has a backlog of 60-90 days. I DON'T THINK SO! I have to argue with them that they have violated the 45 days for processing a clean claim by law and threaten to get Kevin Mc Carty (FL Insurance Commissioner) involved. It's crazy. They seriously need to be investigated!

I applied for temp insurance on march 3rd until my employee one, kicks in. I paid $75 for the month, and wanted it started on March 5th. I made numerous calls on march 8 to various 8OO Numbers only to be told I had to be transffered to the correct person. i was sent to web sales, from there health options who had NOTHING to do with my temp insurance application. I was told to expect my cards in 7-10 days.

Its NOW March 19th, the month is more than half over. I placed three calls today and spoke with Doug in orlando office of BCBS of Fla and spoke with Darcy Berry in Jacksonville office. She adamantly assued me yesterday she would personally find out what is wrong, as there is NO record on my application in their system.

She said her supvervisor is working on the problem and will call me back tomorrow, meaning today. No call, so I called her at 2:20 and she said i will call you back in 30 minutes as my supervisor in downstairs with underwriting and trying to fix the problem. Well, you guessed it - NO CALL BACK. Don't even BOTHER with BCBS of Florida - useless stupid people who provide the lowest and POOREST customer service.

I am a customer asking for their help SINCE march 5th and no one has been able to come to my aid. I faxed Doug in orlando, the other BC rep i spoke to, and I am requesting a full refund to my account. They should look up the meaning of customer service in the dictionary or complete more thorough training in customer relations. Pass this blog along - a WASTE of time with BCBS of Florida!

B/C B/S is the pits! They keep telling you they don't have all the info for your claim when you have sent it at least three times. When you call some indifferent clerk tells you processing will take 30-90 days, when you say like hell they respond that they don't have to take your language. Hell, if I paid my premium like they pay their claims I would not have to deal with the incompetents that they employ now would I? The clerk was so rude and obviously in cahoots with her superior as I never got to talk with her and the clerk was quite smug at the end of our conversation. I have been fighting for this since January 2008. When told reference numbers for calls I submitted in Feb and Mar and May 2008 I was told there was no record of it. Asked the girl if she thought I just made this crap up... They refused my claim. A claim for which they paid in 2006. I have lymphedema in my left leg and it is medically necessary for circulation for me to wear a Circ Aid at night or my skin graft breaks down and I am in a big mess then. I guess they would prefer that I lose my leg and they have to pay for a prosthetic limb! GO FIGURE...

Lucky you did not get the policy. Having paid 4 copays in 6 weeks of $750.00, we have been bless with IV home infusion therapy. At 79 the patient is expected to learn to hang his own IV's and keep them flushed and cleaned twice a day. Blue Cross has taken the CARE out of health care. See what you missed out on.

I was quoted $284 a mo nth for an individual plan. I was approved but my independent agent purposely neglected to tell me that I was rated 75% and my payments would be $500, not $284. My previous agent told me that this is common with Blue Cross. they quote the rare rate only offered to preferred plus customers and rate everyone much higher...after you are qute involved already. I declined the policy and have contacted Blue Cross about the unethical and illegal activities of the agent...we'll see what happens. And yes, it is extremely difficult to contact the proper people at Blue Cross.

bcbsfl is the worst! I am a male under 30 and have had bcbs about a year ago. I submit application and it's now on the 58th day and still not approved by underwriting in Jacksonville. They are pathetic - they tell me I can't talk to underwriting and they have up to 60 days. This is the third world country if you haven't figured it out by now! We should be asking Canada to send pennies a day to help an American get health insurance!

I am disgusted with Blue Cross Blue Shield of Florida. I had surgery to remove two tumors in August 2008. I went to the hospital and filled out all of the information given to me. The hospital pre-authorized the surgery with Blue Cross Blue Shield. After having surgery, the hospital sent me a bill for over $2, 100.00, for the balance owed on my account. I called the hospital to find out why they were billing me and they told me that per BCBS, I did n0t call BCBS to pre-authorize my surgery. When the hospital called for pre-authorization, BCBS did not bother to let me know that I also had to call. Disclosure is a major issue now days, but I guess BCBS doesn't believe they owe that to their customers. Save a dollar here and there! I had enough on my mind with having surgery. I have a history of rare tumors along with other types of tumors, and am very cautious when it comes to whether or not to leave them alone or have them taken out. I will be discussing my case with an attorney, but wanted to alert those who are not aware of BCBS of Florida's agenda. M.Higgins

Does anyone have experience seeing a chiropractor out of network with BCBS? I really want to see my chiropractor but have insurance now and was wondering if I could still see him. His company is http://drnathans.com and he does not accept any insurances directly. I know I can use my HSA but was hoping that I can send my own claim in. Not sure if this is the place to post but was hoping someone has experienced this.

Drew Eriksen -
Of course you can still see your chiropractor! I do not know how it works w/your particular insurance, but MOST insurances will let you submit your own claim and your chiropractor should be able to give you a receipt or statement so that you will get reimbursed. You will probably have to pay your chiropractor directly up front, but then you get reimbursed by your insurance company, depending on your benefits.
GO CHIROPRACTIC!

BCBC of Florida deserves to be prosecuted and its execuitves imprisoned for life. It is a horrible, horrible company that cheats its customers and deceives the medical profession. They often deliberately process claims with wrong codes and, even if you take the time and effort to appeal and eventually win, they never offer any explanation or apology for their numerous screw-ups. Bring on national single-payer government health care, please! Anything would be an improvement over the Blue Cross bandits!

I had BC/BS of Florida for 3 years, ending last Jan. In June I was stunned when they started sending me requests for reimbursements for medical care they authorized and paid for from May 2006 (more than 3 years ago) until August 2008 (a year ago). They're now saying the procedures were "non-covered under this contract. Claim processed and paid in error." They're trying to get me to pay them back more than $3, 000. (I already paid the out-of-network charges for going to specialists they didn't contract with at the time.) This seems wrong on so many fronts. Can you imagine buying a car or an airline ticket or a dental bridge and having the vendor come back three years later and say, "Oh, I'm sorry, we charged you the wrong amount. You actually owe us $3, 000 more, now hand it over." ?

As it is, I've been out of work for more than two years, and I couldn't pay them even if I thought I owed it to them. But it's quite anxiety producing to get repeated "claims for overpayment" from a major insurance company because of what they claim were their own clerical errors.

Thank you all for your comments. I am searching for medical insurance for my daughter and have contacted Blue Cross Blue Shield of Florida. Each time I call, those on the other end seem impatient, arrogant...it is like a "boiler room operation". It seems that not one medical provider in the State of Florida has a good reputation - in doing one's research, one just has to find the lessor of all the evils out there. I wish better insurance companies came into the state so that we could have more options.

If you are tired of bcbsfl please feel free to contact me. I have policies with no preexisting, quality 24 hr customer service, a national network, and 10 days from application to arrival of cards. Please feel free to contact me mike@floridasurance.com. All quotes are free.

Best Regards,

I am tired of the US government BS, the economics of the healthcare system are the problem. Yet they do not go to the root of the cause. They try to put bandaids on it and the FDA, let's not even start with their B.S. greedy lying [censor]. I'm over it, leaving the USA.

My wife and I signed up with bcbs through their website. The quote was $346/mo and we had to pay a month up front. Two weeks later the nurse showed up for the basic physical. A month and a half later our cards show up and then 2 days later we get a notice that our rate has increased to $477/mo. Also in the mail that day was a bill for $1077 for the two months of service that we apparently had been receiving. A week after that we get a notice that our rate will be increasing to $523. I'm not the litigious type but I would be happy to participate in the destruction of this evil. Anyone else lucky enough to find this before signing up, don't do it. Get a job with a big company offering health insurance. That's what I'll be doing.

BCBS of Florida is the worst company I have ever had to deal with. I will never again have this insurance. I have been on the phone with them and back and forth from the hospital all day. They sent me on a wild goose chase for paperwork that they had the whole time. They denied a claim of mine for almost $3, 000 because they did not have this information. To find out that they had it the whole time makes me want to scream. Every person I spoke to had horrible customer service skills (where do they get these people). Can it really be these people or a horrible company conditioning these people to be like this? What kind of job is going to want these people with these skills? I know I would not hire anyone of those people. I could tell that these types of situations happen a lot because they have a system in place that makes it impossible to get a hold of there supervisors. I am filing a complaint and if anyone else wants to the address is;
Blue Cross Blue Shield Complaint Department
P.O. Box 7
Pittsburgh, PA 15230.
I don't know if it will help but if everyone who is upset actually sends in a complaint they cant possibly ignore it can they? They need to start caring about the patient. If everyone who hated them switched carriers they could disappear. Ultimately they are in business because people use them and if they lost enough patients well then too bad not so sad.

I have FEDERAL BC/BS: Under MEDCO when they could not fill your prescription, they would call you so that you could make arraignments with your doctor for an alternative, if one was needed.

With Caremark I found out about a problem via a Facebook app that was 3 days old, that my prescription was CANCELLED. Brenda told me the reason that I was not notified was because the issue was between Caremark and the doctor. She also said that they have no pharmacist working on the weekends., so she could not tell me why it was cancelled. I was told to call my doctor to get a short term prescription from my local Pharmacy. I have to travel 15 miles to my local pharmacy. Plus she could not tell me how much temporary medicine I would need. She gave me no clue about how long it would take to resolve the problem. It was none of my business is my guess. Especially since this problem was between them and my doctor.
If one does not have a computer, than I would guess that the patient is at the mercy of Caremarks lack of empathy for peoples health. I wish BCBS would please bring back MEDCO. THEY are the true caring professionals..

I wish I had found this page before ever visiting Sawgrass Fl Blue office. THEY ARE THE WORST! Salesman wastes no time getting your bank acct info and starts monthly deductions BEFORE YOU ARE EVEN APPROVED. He also signs you up for dental. After they reject you - for being 30 lbs overwt., monthly deductions appear on your checking acct for a dental policy you never even knew you had. It appears as a payment to "FCL". What the hell is that? It went thru for four months before I even thought to question who FCL was. When I finally confronted manager, he he took two weeks to agree to refund funds...which finally occurred SEVEN WEEKS later. You may judge the quality of a company by
customer care responsiveness. Which in the case of Fl Blue, DOESN'T EXIST! And Obama wants to put our national health care program into the hands of insurance companies like these?

IS HE CRAZY?

I had previous insurance through AETNA, which I had assumed was a poor company compared to BCBS, which I had heard many good things about over the last 3 decades. How wrong I was when I had to deal with BCBS Florida. It is absolutely the worst company I've ever had the misfortune of using. I don't really have a choice as my employer cancelled AETNA. I had to go with my wife's policy for $400 more per month for adding me. I had an issue from square one in that they refuse to cover almost all medications that are not generic. Every time I contacted customer service about how I needed to get an pre-approval for my prescription through my physician, I got a new story, a completely different response, some 180 from the previous. I won't even go into all the various things I was told. I went through a lengthy process of getting a physician letter and exception form for pharmacy coverage for my prescription medication that I've taken for 3 years. Trust me, I've tried everything generic, nothing works except my med. It's about $150 a month. But after 2 months of contacting them and PRIME, they will not cover it. It's for a stomach problem, not anything like those meds that are abused. I even appealed their refusal and was told flat out, more or less: "too bad. denied. read the disclaimer. We will not cover your medication." A cold form letter like that. No call, No reason other than "We don't cover that as of (the month of the appeal), use a generic." Also note, Whenever I have used the online portal and I submitted an email, I never recieved any reply to any of my queries. No response. A few times I did get a form letter mailed to me a week later. What's up with that. Everyone uses email comms these days. Even to just ackowledge an email. With Blue Cross Blue Shield Florida - Nothing avoid them at all costs if you can, you WILL BE SORRY!

BCBSIL is trying to deny coverage for my allergy testing and treatment because it is a "pre-existing condition", meaning I had problems with watery eyes and itching as a kid and my doctor checked off "allergies" in my chart and gave my anti-histamines. As an adult i have developed serious life threatening allergies and had to be tested and they are trying to deny all doctors visits and testing pertaining to my "condition" because in my GROUP POLICY "pre-existing conditions" are excluded, which i did not know. WHo do I yell at about this?

Your employer. They can decide what to cover and not cover. The insurance company merely pays claims according to the benefits.

Blue Cross Blue Shield is the absolute worst bunch of scammers I have ever seen. I agree with everyone else. What I want to know is how to do something about it. I have dealt with them until I am blue in the face (no pun intended). I want to know how to go higher and bring action against them.

I signed up for Florida Blue through the exchange because I lost my previous coverage. After weeks of being lied to by ObamaCare navigators, I finally got through and signed on in December 2013 for coverage beginning January, 2014. I was told by Florida Blue they would contact me about my initial payment and bill. That was a lie, they never did. After over 10 calls to them and being put on hold sometimes over 90 minutes, I finally got to speak with them. I told them it was now early January and I have no coverage, no bill - nothing that was promised. They took my first payment on my credit card and said everything was fine. I had a blood test, my annual visit, my dermatologist and my prescription all scheduled for January. Because I had no proof of coverage, I was forced to reschedule all my appointments because Florida Blue would not send me a card and would not tell me or my doctors what plan I had. I finally got a Florida Blue rep who said she would take care of all my problems. I got my card at the end of January, meaning I paid for a month but was not able to get any care. So, when I received my card, I did not receive my next bill, not by mail, e/mail or any other way. A called my rep and had a 3 way conversation with a Florida Blue manager who took my checking account info and said I was covered for February and all future payments would be deducted from my checking account. Those were both lies. They took my money and put it towards my March bill instead of February and never attempted to contact me or my bank to have a recurring payment. I went to my doctors in February not knowing I was not covered. Now, March is here and again, no bill, no deduction from my account and no word whatsoever from Florida Blue. Neither they or my representative will answer their phones and I am no delinquent even though I paid. I would not have know that unless I went online and saw what they had done. They also changed my primary care physician and screwed up my prescription. It is now March 2 and I still have no idea who is responsible for the bills accrued in February because these people put my payment towards the wrong month. I have no idea who my doctor is because I cannot get in contact with Florida Blue to help me. The shame of this all was I had insurance and never in the 36 years I worked did I have a problem at all with my coverage, never mind a huge problem like this. Just to rub it in, I was at a festival on Saturday and they had a booth selling Florida Blue. They actually tried to get me to enroll as I walked by with my wife. I went on a rant and they explained to me all the problems are because their computer system is not working correctly and the people I have been working with so far have been lying to me. I asked why they were there selling a health coverage program they knew did not work. They had no answer. Do you believe this - they knew they were selling a bad product and they knew their fellow employees were liars, yet there they were, trying to sign up new customers by lying to them.

I applied with BCBS for an advertised policy that was a certain rate. Sent my check. They never contacted me after telling me they received the premium. I called and called. The Miami sales office did not respond to email or call. The SE FLa office in Hialeah talked to me but said they would call back and did not. When I finally got them they stated they had policy but premium was now $40.00 more per month for a total of $540.00 (which is high as it is). When I politely asked (1) if their office was responsible for the change in premium they said yes! (2) when I asked why the change they said they did not know (3) when asked for the directors name at the office the lady hung up! Before this unprofessional conduct she did give me the direct line to the head of sales and of course when called I got a recording to leave a message. Under the ACA this behavior is illegal. Under Florida and Federal law this behavior is fraudulent. Wake up BCBS your liability is getting higher!

BCBS denied my little boys treatment for growth hormone. We signed up with BCBS of Florida because when I was employed, my company used BCBS and they approved the treatment. When I lost my job and signed up with BCBS under Obamacare they denied the treatment. His pituitary gland is not producing growth hormone and this could lead to organ damage. I have hired an attorney to file a bad faith law suit against these Nazis. There is no longer justice in this country.

I was a florida blue individual policy holder who in all honest never used my coverage except for one time and I was better off paying out of pocket. That being said mandated coverage so I decide to see what I can get I after much decision decide on a plan and call to set it up. They tell me my son will qualify for healthy kids and set me and my wife up with the plan I wanted. Yes and no we make to much so it would be full price for healthy kids. I call to add him to my policy and healthcare.gov instead of adding him to my plan says your on the silver plan right I said yes assuming they were looking at the silver plan I was on. It dawned on me after considering the price something was messed up so I had the agent check and sure enough that was the case. they supposedly corrected it the same day. January 26 2015 we are well through April and much like everyone else has mentioned they rope you along blaming everyone and when you get what they ask for well they need something else or can't even do it. I called to find out why it wasn't fixed they said they needed a escalation number called the marketplace and got it called back 10 minutes later to be told we can't do anything with that. I talked to the healthcare.gov site today who received notice on march 2nd that the plan was corrected. However it was not. In the mean time I am paying out of pocket for most of my healthcare because the crap plan they put me on doesn't cover nothing and you have to meet a ridiculous deductible before they cover anything. If I had 7000 dollars plus 700+ a month for healthcare I would not need the insurance. I even offered to pay out of pocket for my insurance to change my plan they are incompetent and I am sorry I ever got coverage yet they roped me along past the Feb 15th deadline so I have no choice but to pay them or pay the penalty and find coverage elsewhere. I have recorded my conversation as one says one thing and someone else tells you something else. Nobody knows what is going on and no one there you talk to can fix it. This place would be out of business if half the people they have worked over could walk away from their coverage. Please if anyone knows anyway to fix it or get other coverage without waiting till next year please share. I really don't want them to get another dime!

I have Florida Blue...paying $1200.00 per month for the catastrophic illness coverage. When I chose this plan I was told that everything would be covered with small copays and no referrals for specialists. OK... so far true enough. Had my annual physical including a mammogram a bone density scan. Both of these tests were performed at the same imaging center for the convenience of keeping records organized. My mammogram was covered, but they refused to pay for the bone scan citing I did not use the imaging center that they are contracted with. Filed a grievance in January 2015 and to this day have not gotten satisfaction. The aforementioned bone scan revealed that I am newly diagnosed with severe osteoporosis in my spine and right hip, My doctor wants me to do a 2 year course of a daily injection of Forteo, which will promote bone growth. Florida blue has twice denied this treatment and, instead, wants me to try a couple of rounds of more common drugs. These common (translation: cheaper) drugs to do not rebuild bone, but rather slow the progression of bone degradation. This would put me at least 4 years closer to crippling bone loss instead of a 2 year treatment to replace and rebuild my bones. I am only 62 years old and, until my doctor advised me on some physical limitations, I led a full and active lifestyle. Seems they would rather pay for operations to repair broken bones than approve a medication proven to rebuild and restore my bones. As a result, we will be paying out of pocket to the tune of $2000.00/ month since I am not medicare eligible. My husband and I are both retired. As soon as possible I will drop this sham of a company and get health insurance that will be subscriber friendly and meant to assist people in living better lives. Not a company like Florida Blue that will bankrupt a subscriber rather than support a subscriber. It amuses me that they will gladly cover Errectile Dysfunction meds, but not lifesaving medications. Any woman who is postmeapausal needs a "female friendly" insurance company. I have never heard of someone becoming paralyzed because he couldn't get an errection!

Florida Blue is an example of a corporation that is solely focused on making money with no concerns for the quality of care of policy holders. If you want to show your displeasure, go to their web site and tie up their chat room which will help prevent other people from being duped in to buying a policy.

worst company Ever. everyone "at the top", even "supervisors" are always in meetings... the maze to even get to someone (who, in reality, can't help) is just a ploy to to get you to stop trying.

Blue Cross of Florida is A FRAUD INSURANCE COMPANY. They NEVER process claims for payment.BLUE CROSS OF FLORIDA

Florida Blue has been a nightmare! They collected my father's payment on December 20th and today (January 12th) my father's policy still shows inactive. I have spent HOURS and DAYS on the phone trying to solve this issue without success. My dad is battling with leukemia and needs constant blood and platelets transfusions besides the chemotherapy treatments and FL Blue is aware of it and continues to play us around on the phone. Their reps are have no experience in solving issues. I have asked to speak with a supervisor and they play me around. So far, I have not been able to speak with a manager...supervisor or anyone competent! I have been paying out of pocket for my dad's medicines and my frustration level has reached high levels of anger. THEY ARE CRUEL! They are aware of my dad's condition and continue to play us around! AVOID THIS COMPANY! YOU WILL REGRET IT IF AN EMERGENCY LIKE MY DAD"S ARRIVES! THEY ABSOLUTELY DON"T CARE!

Hello, this is Sharon from the social media team, we apologize for the issues and see you have had a very trying time. We are sorry to hear about your fathers condition. Can you please email socialmediasupport@floridablue.com with his full name, policy information and contact info for more help. Thank you.

Blue Cross correct premumins but still list my wife and I as inactive in their system. They have known about this issue since January 3, 2017 but have failed to do anything about it, BCBS sent our coverage information to our house the first week in January and like by HR department told me that their would be no change in coverage for those who are on Medicare PPO this was verified by BC by the coverage and payment information sent. However every time we go to a doctor they say BCBS system show no coverage, at that time we either pay full price or reschedule. The one time I called BCBS and finally reached someone who know what they were doing they confirmed coverage but had our co-pays wrong. The co-pay was 67% higher that what BCBS sent to my house as copay's . My HR department has contacted BCBS about this at lease twice and were told they were fixing it. Today, was the last straw I had gone to me Rheumatologist to get my updated blood-work and they said the BCBS system does not show me have coverage. I was told I would have to reschedule. I am in the process if filling a complaint with Florida Department of Insurance and seeking input from my attorney to see if I can file suite for failure to provide services under a negotiated contract. If the table were turned on them and premiums were not received on time they would stop coverage immediately. They are so BIG they do not care what happens so long as the get the money. I hope this year the insurance industry comes under investigation from Congress for price fixing. We need to contact our Congress and Senate representatives in Washington and make this an issue. Together, we can put the pressure on them to do something for us. If you agree then start making calls and send letters. We know what the power of the people can do.

Been on hold, this time, for almost an hour and a half. BCBS is a disaster. A simple reimbursement for being overcharged is going to cost them ten times as much in small claims court. See you there BCBS. For everyone who's listening, take them to small claims court. If you have a legitimate grievance, they will pay. Make sure you ask for compensation for all the time you tried to rectify problem. Sue em!

Florida Blue like Frontier is one of the worst companies around and should be out of business due to incompetence. They refuse to honor my subsidy and I have been trying to correct this for months. Don't waste your time dealing with them as it will get nowhere. I filed a complaint with the attorney general and am in the process of getting my billing corrected, problem is they are threatening to cancel me as I have made my documented premium payment versus the inflated and incorrect amount they claim I owe. If you are able to buy health insurance from anyone else do so. Florida Blue absolutely sucks!

The worst company THE BC BS OF FLORIDA . we are living in the jungle with the GORILLA CALLED BCBS .
horrible, nasty, stealing money from patient and provider alike, they have automated phone only one line and will never give you direct number for fax or other communication, they train the customer service to keep you on hold for a long time to make you gave up or they will hang up on you . they are being told not to pay claims, deny them, the employee get raise, they are building their own clinics and staffing them with their employee so they can steal your money and keep it too . They lie to patient and do not document the truth of the conversation when patient contacts them, they post the information on line but they do not honor it even if it is printed from the official site . they pay the claims and take the money back and never repay . the biggest joke when at the end the customer service say IS THERE ANYTHING ELSE I CAN DO FOR YOU ? REALLY ! WHAT AN INSULT TO A HUMAN BEING . THE CORRECT STATEMENT ( NOTHING I DID TO HELP SOLVE THE ISSUE, I HAVE YOUR MONEY AND WILL DO NOTHING )