Attention Mr. Scott Burris. My name is Barry Cohen and my Liberty Health Share membership number is 20230****. I am canceling my Liberty Health Share membership of the last few years because I NO LONGER TRUST LIBERTY HEALTH SHARE AT ALL because recently I discovered that you no longer promise and assure your customers that you will reimburse them within 90 days after they pay their health care costs in advance for doctors, medical testing and hospital stays as was stated in my contract when I first joined Liberty Health Share. I NOW FEEL THAT LIBERTY HEALTH SHARE IS A PONZI SCAM! I discovered this when I called Liberty for reimbursement information for a possible future hernia repair. Soon after this discovery, I received an E-Mail from your companys CEO apologizing for the poor customer service Liberty has been providing for quite some time with the promise to do better. Nowhere in this letter was the information to restore the 90-day health cost reimbursement agreement that was removed without notice to me! Also for the record, I have stayed healthy and never asked for any reimbursement since I joined Liberty at my cost of thousands of dollars a year! After losing my trust in Liberty Health Share I joined Florida Blue on December 17th, 2019 and at the end of December, I attempted to contact Liberty Health Share to cancel without success due to not being able to get Liberty to answer my call. I then called back a few more times during the first week in January to finally get through on Jan 7th, 2020 which is one day after Liberty hit my bank for another $250.00. When I called to cancel my account and to be reimbursed the $250.00 charged to me the day before since I already have another health insurance company I talked to supervisor Kathryn Davis that informed me that Liberty refuses to refund the $250.00 that they charged to me just yesterday after knowing that I have already secured other health insurance two weeks ago. I am now demanding that Liberty Health Share of Ohio refund me the $250.00 they took from me Yesterday Jan 6th, 2020 immediately! If Liberty does not refund the $250.00 back to me and continues to show this gross bad faith to me I will do everything in my power to stimulate them to refund me said money. I NOW FEEL THAT LIBERTY HEALTH SHARE IS A PONZI SCAM AND THEY SHOULD BE PROSECUTED FOR THIS HORRIBLE BAD FAITH NOT JUST TO ME BUT TO SO MANY OTHERS! MANY ARE SICK AND DYING! This will include posting information that includes this letter all over the internet to websites and blogs that are about health insurance and health share programs, I will contact the Federal Trade Commission In Washington DC to report this bad faith and possible fraud, I will register a complaint with the Better Business Bureau (BBB), I will send a complaint letter about Liberty to multiple divisions of the Mennonite Church to have Libertys actions of bad faith investigated. I will contact multiple top-class action attorney firms to possibly litigate Liberty Health Share for possible fraud, damages and other actions to deceive their shareholders about refunding them for personal funds put out which will involve forcing Liberty to provide the records of every single shareholder for the last 3 years or so and I will also register and complaints with the department of insurance in multiple states. I will commence these actions starting today Jan 7th, 2020 and I will not stop until the day I am refunded the $250.00 you took from me in bad faith or more! I recommend that you send a copy of this letter to your CEO and others involvedY AWAY . Be advisedI DONT BLUFF! I welcome Liberty to contact me for the sole reason to refund me the $250.00 in this cancelation notice and refund now also demand letter. My direct Phone Number is 561-629-**** Sincerely, Barry Cohen