How Long Does It Take To Get Money From Voya

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Roshanda of Decatur, GA Verified Commentator

Original review: Sept. 8, 2022

I have a programme with VOYA - recently I tried to exercise a withdrawal under the guise of their reasonings. I faxed all the proper paperwork into them 12 times. Why 12? Because each time I'd shout out they'd say something was missing. Faxing is antediluvian, withal this is their rule. After 12 attempts they finally aforesaid they had it. Ane of the documents is a certificate from my employer that you print from My Retirement Manager, again that was faxed 12 times. I called back to catch the status but to be told I need a trustee from my employer to act their break. I called my employer and they stated they had no idea what this agency and asked if I written the credential from My Retirement Manager, I said yes, they stated that's all that's needed.

I known as again to Atomic number 75-Control this and after speaking to countless managers they aforementioned the unchanged thing. "Get us contact processing and we will call you back." Let me say this...there has NEVER been 1 call returned to me, I visit them. I simply went through the motions afterwards a week of vocation to get MY MONEY and same ok. Zero one can explain what a trustee is to me or why a central processor would postulation it. I even titled my architectural plan Admin. to beat clarity, he has stated they hold never detected of this and suggested I get a 3 way call going to VOYA with them on the line to control things. This is vicious! Information technology's also unkind because my expectations are let inoperative.

I'm now meter reading the complaints filed against them from single entities and information technology mirrors what I am stating. Each time I call it's like the Twilight Zone, they act like they don't get laid what is going on and volition read bytes of whatever is noted. I am fazed past this knowing I cannot remove my money and leave them. I am disgusted, insulted, hurt, angry and deprivation any action taken against them. Drab is non good enough. They DO NOT DESERVE ANY STARS. ZERO STARS!

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Brian of Smithfield, PA Verified Reviewer

Resolution response: Sept. 17, 2022

Afterwards two more weeks this issue is lastly resolved. I called back after I was hung up connected and spoke to soul who continuing to give me more ** excuses that they insert the system. The new excuse was that my Social Security number was base happening the form. I instantly titled him knocked out and said if it's wrong it's wrong in their system.

He told me he was pushing things through to the plan coordinator at the "highest importunity" to get things resolved and that I would comprise called back. Organism the pursuing Monday was Labor Day I told them they had til the end of the day Tuesday. They still did not call me back. Alas I had some other issues that united sprouted my time and I didn't arrive a chance to call them back to escalate things even off more.

That tailing Monday (9/14) I had to go to my old employer at any rate to see about getting a part and figured I would just talk to the accountant to see if perchance she had a contact that I did not to get information technology cleared leading. She made some phone calls and was told everything was in the financial department's hands and they couldn't give her any more information, but would call her back up.

I left and apparently she finally got to talk to someone on Tuesday (9/15) and they addicted that my social was wicked in their system. They corrected it and reissued defrayment on 9/16 which I ultimately got in my account today on 9/17.

Six weeks of battling to nonplus MY MONEY because of their "mistake". After reading some of the opposite reviews I think this may be a standard practice. Thither are far too many other people that have been told their social is wrong for it to represent a coincidence. I'll never recommend this company to anyone and if in the future my employer uses them I will forgo a 401k so not to founde them my money.

Original follow-up: Family. 4, 2022

I was furloughed in April due to slowdown in gas and vegetable oil and Covid19. In June owing to the continued slowdowns my set up was eliminated. The job I was with had Prudent for my 401k and doing a withdrawal with them was the easiest thing I have ever done. I did everything online in 5 minutes and had the money in my account in 4 years.

Then we have Voya. I had an old 401k with them from a Book of Job I left in 2022. Information technology wasn't much money and since I could ingest advantage of the Cares Roleplay and take the withdrawal punishment free I figured I could take information technology and use the money to help with bills. I called July 31 because it would not rent out me sign in online disregardless what I did. I was told I had to have paperwork sent to me that I not only had to fill in, but that had to be subscribed away the accountant at my retired job. Why should someone else have to sign for me to take MY money? I filled out the paperwork and went and saw the accountant on Aug 3 and she faxed it in while I was there.

On Aug 11 the money hit my account. You'd remember it would end there and it would just be a difficult withdrawal process but no, it continues. Along August 19 I logged happening to my savings bank account and saw my equilibrize was much lower. I click on minutes and see that the amount Voya had deposited the week before has been taken back out. When I mouse click for more details it just says reversal.

I call customer service and after wait happening view as for nearly 30 minutes I finally puzzle over a rep. She looks into my calculate and can only allege that she sees the reversal but doesn't has an explanation to why. She told me she was going to make some calls and asked if they could call me back. I confirmed they could, but they never called back. I am a patient person indeed I decided to wait until the succeeding hebdomad to see if they would redeposit the money. They didn't.

On August 26 I named customer military service again. The repp over again had no factual answers to why it was reversed differently an "amount discrepancy." She informed ME she was putting an urgent just the ticket in to resolve the issue and asked that I didn't wait for them to remember, but for me to call them the following daylight for an update. On Aug 27 I named spinal column and the guy I spoke to said he could see the slate and it showed the new transaction was confirmed which meant I should see the deposit in a few days. Here we are on 9/4 and I still don't have my money I formally requested on 8/3.

I called customer service again and the rep still has no idea what is happening. She asked to put me connected hold while she made a call and after 3 minutes of being happening hold I was hung au courant. I know it wasn't me because when you "complete" a call with them they do a survey at the closing. I heard a click and then the survey voice came on so she definitely disconnected me.

I am expiration to give it a short time now before I phone back and demand a supervisor. In that respect is no reason information technology should be this difficult to withdraw my money. Thankfully I still had the money in my account when they took it back. What would happen if someone worn-out it as shortly as they got it because they needed to repay-rent Beaver State something? That person would be left thousands of dollars in the hole because of a companies incompetency. The fact that client service doesn't steady have answers is even more mind-blowing.

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V.H. of Virginia Beach, VA Proved Reviewer Proven Vendee

Original review: July 25, 2022

I requested a hardship withdrawal on 7/14/20. I requested this been through with via ACH and deposited into an account that they have had on filing cabinet for months. The transaction was completed connected 7/16/20 and "supposedly" ACH conveyed. I say supposedly because the money was never accepted in my score. I called them twice a day all 24-hour interval complete the past 10 days. Each Day they confident me that money would be in the news report the next business day. I talked to individual representatives, each one assured Pine Tree State that the money had not only left their offices but had been sent via ACH to my bank account on record. I verified the savings bank account selective information with them, which was correct.

Friday rolls around, the absolute give-up the ghost date for whatever case of deposit to have gone through and through via ACH, and again no money. I called them and stated clearly that I knew they were lying and I knew that they had not dispatched that money via ACH and as if by magic they recall with a different story. Now they tell me that the funds were sent come out of the closet in the form of a check along 7/17/20. I requested ACH, but somehow they magically decided to send me a check... Again, they privy me that the check should be in that respect no later than that Clarence Day (Friday 7/24/20). Again, no check was standard. I should be clear, the stocks in my history were sold. Money was embezzled from my stock accounting, so that money is someplace, but unluckily is not with me. this was a hardship withdrawal on a time sensitive matter and they rich person failed to deliver my own money to me in a apropos fashion.

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Dirk of Mineral, VA Corroborated Reviewer

Original review: July 20, 2022

My employer now uses Voya to manage my 401k. The modulation occurred at the end of March(2020). As of July 20th, 2022, I am unable to access my account online. I have called and emailed them numerous times. They have not responded to my emails, but have responded via phone only later I asked to speak to supervisor. The executive program I have been working with has at least returned my calls and tried to keep me informed of their IT departments work at fixing the trouble. However, three months seems very excessive to fix a job with accessing my account online. I would recommend winning your business to other company if able to.

Carla of Capital of Arizona, AZ Verified Referee

Original review: July 3, 2022

Along Crataegus laevigata 22nd, I requested a withdrawal from my 401k. Information technology was in agreement that 20% would be taken come out. The rep I spoke with read a statement that I had to consort with and confirmed multiple times 20% would be taken and stated I would receive my finances via direct deposit within 5-8 byplay days. On Mon the following week, I chequered my 401k account and did non see any type of hold or pending dealing, soh I called to double check that my bespeak was being processed, which at that pointedness the second repp I spoke with said no, because in that location was a question in regards to the amount of taxes I wanted withheld. I said, "How can that be? It's 20% and I was very broad about that." The rep went on to say that the way the first rep wrote up my withdrawal request was unclear.

I asked the second rep wherefore was I non notified by Voya that there was an make out and all she did was sound out sorry and continued to allege it would take an another 5-8 years to process. I said that was unacceptable and so the rep backtracked and same my funds would be in my score on that Friday (which would live nowadays July 3, 2022). So, I called Thursday to verify that my request was computerised and the 3rd rep said no. It would live an additive 5-8 days. I said you come realize that if information technology takes an additional 5-8 days to mental process my request...that would represent 3 weeks from the time I initially called? So I asked for a supervisor. The supervisor stated that the delay was their doing and would request to hasten my postulation with their processing department and would ask that a check be cut and sent via UPS. She stated she would name me the same day, when she conventional information on when the checkout was cut (that was at 8:30 am Thursday, July 2).

I did non receive a retrieve, so I called again that evening at 3:48 post meridiem, and spoke with another supervisor...I wanted to know if a check was being cut and when it would be dispatched out, because I would have to beryllium at the sign to accept it from UPS operating theater if it would be deposited via direct deposit...at that taper off my call was dropped. I know this is a long winded story, just I honestly feel they South Korean won't give Pine Tree State my own money. They are giving me the run about and I have it off processing does non take this long. I am also worried that what I had in my 401k on the 22nd Crataegus laevigata modification by the time they actually process my request, if they ever decide to do so. I almost remember this should be according to the Securities and Exchange Commission or FTC. I am with Voya, because my employer switched to these people.

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Donna of Semmes, AL Verified Reviewer

Original reassessmen: July 2, 2022

I was antecedently with another 401 k but was switched by company LHC to Voya. I was ne'er given a Rowlock number. I recently contacted Voya, receivable to I port companionship, and wanted to roll over my 401 k to my present 401 k company. I was told that my job did not show that I had left and that I would need to hold back until exterior of organisation. They ne'er mentioned requiring a PIN and had all my personal information. I contacted them again today and was told they could not help without a PIN (identical one I never got). I was directed to their site and motionless not able to get what I needful.

I called Voya again and told the same thing regarding PIN. They obtained my SSI, Address, and DOB but hindquarters't or Won't help me. Sorry caller in my opinion. So right away I have to wait another 5-7 days to get a Stick past mail. Seems to Maine you should have informed or did this at the commencement when I call your society. This is my money...not yours!!!! Needless to suppose, I am happy I North Korean won't be dealings with you for much thirster.

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hua of Houston, TX Verified Commentator

Novel review: June 29, 2022

If there is a chance I can leave 0 star I would like to, Be aware, this fellowship is lie to everyone again and again, I divorced about a year ago, we trying to lay out account from the retreat 401 medico from my passee, however, I bear my ex work company transmitted the file in to them, they said they are waiting for the doc, I even have the trial impression that the put to work company did send via email and all records. I am wondering if anyone could supporte me out this the like sue them to faux react for this? if anyone has equal issue, let's gather together to sue them, smel free to get hold of me. Again, such an awing company!

Dana of Capital of Colorado, Centennial State Verified Reviewer

Innovative review: June 11, 2022

Workings with Voya as a reduced business is an complete nightmare. It feels like we are being held hostage by incredibly obsolete systems that take extremely specialized knowledge to use (with nobelium simple way to learn). It takes hours every other week just to accomplish simple, repeatable tasks that could easily personify automated. We aren't able to transition aside from Voya until the remnant of the year. It is causation significant stress and issues for our job. We're paying thousands of dollars to furbish up mistakes that would be totally avoidable with a better system.

Dennis of Elizabethtown, KY Verified Commentator

Avant-garde review: May 24, 2022

I started out buying a life insurance policy from ING 8 years ago. After receiving my policy I had almost no contact with them. It was like pulling dentition trying to get information from them. Then Voya bought the policy from them and everything got even worsened. I speculation the good matter is I'm afraid to die because I don't believe they would level make up happening the policy. I figure I've reply-paid almost 25,000 dollars in premiums in the metre I've had the policy and I've had no confidence that they would pay if I died. Kinda defeats the reason out for acquiring life insurance.

marie of Lancaster, PA Verified Reviewer

Original survey: May 20, 2022

I have been trying to objurgate an error that Voya has made on my account since 1/31/20 and it is now 5/20/20. 7 calls each time waited at least 1/2 hour. The people who answer phone have zero knowledge to prepare job. This history was transferred by employer from Fidelity to Voya. They do not merit even 1 star. Delight, please stay away from this company.

Julia of Columbia Falls, Pine Tree State Verified Reviewer

Original review: April 20, 2022

Several attempts have been made to meet info just about my annuity for the purpose of reviving my apartment lease and the fellowship has been unhelpful all time. I cannot, and will not, suggest that anyone use them for any commercial enterprise purpose. I am not a slaked customer.

Bart of Missoula, MT Verified Reviewer

Groundbreaking review articl: April 8, 2022

Connected multiple occasions, I have had wrong blocks placed on my account which prevent withdrawals. The blocks take weeks and numerous contacts to dissolve. I recently was wrongfully told that an extra signature was required along a withdrawal asking, which is further delaying my request. Customer service is very slow, unresponsive and ineffective regardless the method - headphone, online chat, e-mail. Each contact adds nearly a workweek to any answer. In my most recent experience, it has taken over four weeks (and counting) to process a standard climb-down. Merely put, I cannot access the funds in my account when needed.

Ann of Hollywood, FL Verified Reviewer

Daring review: April 7, 2022

I have ne'er experienced a company with and so some unnecessary fees. This accompany is borderline scammy. Beware. I took out all my money and transferred information technology to Schwab and I am MUCH happier! Unfortunately, the company I function for had Voya associated the payroll party they use.... And I did not perform my regular research until I had lost 10% of my money.

Tia of Middlesex, NJ Corroborated Reviewer

Original reexaminatio: April 6, 2022

I was disquieted when I had to file a claim with Voya for critical illness having read the reviews on this website as well as the BBB. To my please storm, I put in my claim on March 16, 2022, and received a direct deposit TODAY! Maybe the issue comes to people requesting paper checks? My experience with voya was excellent! Sporty in time to get my medical bills reply-paid before they can attend collections. Although, I did have to follow heavenward connected my reassessmen decision as it had exceeded 10 business years.

I followed up with client service on Thursday April 2, 2022, the repp then told Pine Tree State it would be expedited and to expect a decision within 48 business hours. I just knew it was a gip when I standard an email Saturday saying the funds had been paid and to hold 3 business days. I was going to give them until Friday before I followed up, but no need. The money is in fact in my describe today! My advice, translate the fine print, understand what is and isn't covered, this was rightfully a tranquil process from uploading the claim online to acquiring defrayment.

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Audrey of Dayton, OH Verified Reviewer

Original review: April 3, 2022

I filed a claim on 2/14/20 IT's 4/2/20 and I still seaport't acceptable my take. They are doing everything to traverse my claim. It's not fair when you pay for a service and can't utilise it. They make you feel worse for weft a exact. At this time I really need these funds to maintain my household. With the Covid19 I very need basic supplies and they holding onto my money. It's sad that a caller like this would do this. I hope I get relief soon. I will non follow signing up for this service again.

Robert Bruce of Dahlonega, GA Verified Reviewer

Original recapitulation: March 9, 2022

Have been victimization Voya Financial life insurance mathematical product for many years. We got a notice that the value was going up and my wife attempted to middleman them to see what could be done. They refused to talk to her and constrained me to call. I spent hours disagreeable to talk to an agent. I got transferred to threefold populate and got none answer to the calls. Three transfers and endless voicemail options in order to try to find out if a renewal, extension, change in policy or other options would keep the premiums at a reasonable rate. All to no avail.

Denis of Camden, Maine Verified Reviewer

Original review: March 9, 2022

19 years ago, at the advice of my then banker, I transferred the money I had saved in a poorly performing annuity to VOYA. It was called something other then, but I cannot remember the aged describ. I reminiscence that the matter to rate was 7%/Year for ten years. When the contract was about to expire I attempted to middleman the representative to whom I was assigned. This person avoided my phone messages and emails concluded a 2 week time period which resulted in an automatic rollover at 1% for another 10 old age. I did everything that I could flirt with to get my money out dead. At one point I accepted an envelope with most 1/4" thickset stack of written document (legitimate boilerplate) explaining why my call for to was denied.

Since then I experience tried to get my money out of Voya's hands without paying an enormous penalty. To that end I discovered that if I requested the largest penalty unloosen climb-down each year I could withdraw about 10% of my monetary resource each year. Finale April, 2022, I filed a class, with the "help" of a "customer table service" emblematical to fix my annual withdrawals self-regulating. That did not happen. Instead I received only the interest with a deduction for state but non local income taxes, even though the letter from Voya stated 20% withholding for Federal Income Tax would be applied.

Afterwards another frustrating phone call to VOYA, I have now had it explained that the automatic drug withdrawal application I had filed somehow only pays interest the first year. That was non good intelligence to me as it left me momentaneous nigh $8,000 for the year. I give requested to have this explanation in writing so that I can continue my quest to fix my funds come out of the closet of VOYA's hands as soon as possible. I give birth zero trust in anything they articulate.

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Jacob of Fort Lauderdale, FL Verified Reviewer

Seminal recapitulation: February. 25, 2022

I am writing this review in hopes that companies who are looking to offer 401ks to their employees, that they do not utilize this company. I have been dealing with this company for about a month straight off and after several attempts to withdraw on my account of my own money it has been almost impossible. This company lacks customer service and I make been lied to by several different representatives that work there. It all but seems as if atomic number 102 incomparable know what they are doing surgery speaking about. I Don't realize how amount this appendage is fetching so long you said it zero one seems to have an answer for ME and I was basically told to contact my employer who I no longer work for for help! Why ???? when voya has my money that I requested over a calendar month ago.

Each time I have titled I deliver received different information with zero i really relation Pine Tree State what I pauperism to come to get my contributions returned to Maine non to citation the ridiculous amount of fees that are given when you need to withdrawal. This companion is awful and I would not use them ever again and recommend anyone who is considering this company to look elsewhere. I wish I could leave no stars as a rating for this horrifying company that's located in the ** of Hartford Connecticut which explains the poor client service and lack of concern for people who need the investment they made away of their own pocket returned. DO NOT USE THIS Companion. I promise you will repent it.

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lisa of Selma, Aluminium Corroborated Reader

Original review: February. 22, 2022

Called Voya due termination withdrawal amount. I called in some expressed one thing but when I called back the incoming day it stated something lesser. It's a matter of a fewer dollars but I need to know "where the conflict came in ??".

Brook of Las Vegas, NV Verified Reviewer

Original review: Feb. 11, 2022

I just tried to contact them to change my address. They needed a fall code that I never got. When I tried to set it up it failed. So I sat on the phone for over 30 minutes just to get a undecomposable change done. When I in the end got someone they told me I needed a pin code OR I couldn't do anything. They were unwilling to help in any way. They did provide a fax number, but that was about information technology. I suggest you avoid this society. They definitely don't know what they are doing.

Oylum of Foothill Ranch, CA Corroborated Reader

Original revaluation: Feb. 5, 2022

For any existing or future customers - Avoid Voya Financials for your retreat operating theater whatever other fiscal services. They have ready-made mistake on my 401K account while attempting to roll IT over to some other account. They cut the check on my balance even though the agreement with the customer service rep was to wait till the issue in question is resolute. They not only did not wait to get the suitable operating instructions, they cut the check and did not know how much of the balance was subject and how much was exempt on a transaction they have initiated. They then said they'd search this issue and get ahead endorse to me. I hold been waiting on their findings for over 2 weeks with none resolution, meanwhile losing on electric potential gains on my 401 funds they prematurely cut a check for. They don't take pertinent measure to resolve nor do they take initiative to correct the mistakes they make. Frightful company! Save yourself the misery and avoid Voya Financial for nifty!!!

Ms. of Savannah, GA Substantiated Reviewer

Unconventional review: Jan. 30, 2022

I've read majority of the reviews on present and I suffer not experienced whatever issues with Voya. I called to postulation funds and I was told 5 to 7 commercial enterprise years I would receive my check. They armoured my check, which arrived inside 7 business concern days.

I. of Augusta, Atomic number 31 Verified Reviewer

Original retrospect: January. 24, 2022

The good news is that I've only been allocating $7/month to this fraud. They denied my take to cover medical checkup bills, related the chance event. I am enrolled into accident insurance with them and I wish I did my homework and researched this company prior signing up for this service, offered by my employer. Ne'er again. Money is spent though.

Richard of Albuquerque, NM Verified Reviewer

Master copy review: Jan. 22, 2022

Requested cash in hand from my account on 12/23/2019. Should only take 3-5 days. Subsequently a couple of weeks I have titled Voya several times. Voya only has excuses but I noneffervescent DO NOT HAVE MY FUNDS. Was told another 3-5 days!!!

Cheryl of La Habra, CA Verified Commentator

Groundbreaking recap: Jan. 21, 2022

I was injured busy and the workers comp forced me to quit with a settlement. I called to terminate my 401k because IT was only 724 dollars in it and wasn't worth rolling over into another cartesian product. I was told IT would cost 175 dollars to fire. I said okeh. The left over amount was 549. Then they same I would have to pay taxes thereon likewise and the final amount that would personify armoured to me would be 414 dollars. I aforementioned ok. Information technology took them 3 business days to process the request. The discipline came in the mail and was only 280.85. I called to see what the rather large variance was and was told that the value of my 401k must have dropped over that 3 day processing menstruation and that's why my check was so much lower than they told me I would be receiving. I not sure I think that explanation.

Rihard of Riverton, Greenwich Mean Time Proved Reviewer

Original reexaminatio: Jan. 14, 2022

My mother had her money with Voya. Months after she passed away I dispatched in her decease certificate. I was told I needed to send in more paperwork of which I would experience to hire a lawyer to get. The cost of hiring a attorney far exceeded the $6,000.00 or so dollars that was in the account. Losing mum was hard enough just watching a tummy steal from the survivors, what words are their for that? My suggestion if it were possible to my mom would be to make sure her I's were dotted and t's were crossbred if she wanted it to go where she desirable.

Jocelyn of Port Charlotte, FL Verified Reviewer

Original review: Jan. 11, 2022

New York decided to interchange the deferred recompense monetary resource of its employees from FASCORE to VOYA FINANCIAL. This happened in November 2022. It is forthwith a big mess. Under FASCORE, there was superior customer service, quick and prompt processing of requests, and prompt delivery. Now, zero one knows what's going on with distribution requests. The wait time to speak to someone along the phone is more than two hours, and in the office it's a half a solar day. The worst is that when you name, no one can really give you any information. It's a runaround for your hard attained money. Those are billions dollars pecuniary resource of employees and retirees that are being managed aside an incompetent firm. Even though it's your hard earned money, they fix you flavor comparable they are doing you a privilege. This must go to the media. Legal carry through is necessary!

Kate of Brooklyn, NY Verified Reviewer

Original retrospect: Dec. 24, 2022

I am a NYC public schoolteacher. City offered a plan 457 to save more money for one's pension. I participated in this contrive for individual days, saved there some money. It was easy to navigate their site Beaver State to claim them for help. Suddenly city definite to switch to VOYA Business. No phone calls accepted, no emails communication services are offered. Commercialize is leaving upwards but my money are disappearing. Funds that they offer are impossible to investigate, no chance to talk to someone. Who do I complain? This company is a fraud. It seems that someone in the City is larceny money this way.

Thomas of Saint Paul, MN Verified Reviewer

Original followup: Dec. 19, 2022

We consume moved several accounts from Voya to Fidelity. Voya charged us a transfer fee along with the yearly care fee, and past a "conclusion" bung on top of that. Thankfully Fidelity picked up the fees on those accounts. Most freshly, we asked for the remaining balance of our daughter's educational savings account statement to Be distributed to us so that we could pay tuition. Voya charged U.S. a maintenance bung and a termination tip when they distributed the money which amounted to nearly 2%. That wasn't exactly what we were planning on when we set up a college nest egg plan. We've had accounts at Faithfulness, Avant-garde, Schwab, and E-Trade. Nowhere else have we seen these kinds of fees. We were put into the Voya accounts only because our financial deviser used them. If you are considering using an independent financial planner, I would stay clear of those World Health Organization use Voya.

J. of Karns City, Pop Corroborated Reviewer

First review: December. 18, 2022

I induce accident insurance through my employer with Voya. I had an accident and did everything asked. I got the information and faxed everything they asked for.. I undergo called 5 or 6 multiplication and hold bac being told everything looks favorable they will bother it. Devising me wonder if Voya is a bogus caller. ave your money do not waste information technology on them. The entropy has been sitting at that place and no extraordinary has touched it and has been 12-13 years. Every clock time I call they separate me they testament nominate a distinction. I am wondering if they are a bogus fellowship, save your money, poor customer service.