An advertisement for Motor Club of America caught my eye recently. The recruitment advertisement for sales people said:
“WOULD YOU LIKE TO MAKE MONEY? WHO DOESNT?! I JOINED A PROGRAM WHO HELPED ME GET OUT OF DEBT … SO NOW I WANNA HELP YOU GET MONEY LIKE I AM… I JOINED A PROGRAM WHO GIVES ME GREAT BENEFITS SUCH AS FREE TOWING UPTO 100 MILES, THEY GIVE ME DISCOUNTS ON CAR RENTALS, HOTELS , DENTAL AND PRESCRIPTION, VISION AND SO MUCH MORE… THE BEST THING ABOUT THIS PROGRAM IS FOR EACH PERSON YOU SIGN UP YOU GET $80!!!! AND THATS WHY I JOINED UP.” – Source
These kinds of ads interest me because they are pitched as a way to get out of debt and there is an income opportunity component with them.
I can understand how some people may become attracted to such offers. They sound enticing. But let’s take a look at the offer and see what the real scoop is.
See my conclusion at the end after having waded through all the research below.
The offers for independent representatives makes it seem as if this business opportunity will be somewhat a no-brainer but what’s the real scoop?
The Motor Club of America claims they have been in business since 1926 and new sales agents will have to pay $40 to join and will receive $80 from each sale. – Source
There are plenty of videos and sites out on the web that make claims of fabulous income from MCA but while I was researching MCA I noticed an unusual trend, while there was a lot of hype about MCA and the recruitment of sales reps, I could find very little about the quality of the company itself. It looked like the representatives were all busy selling the income opportunity and not the underlying product. When I see things like that, it makes me curious.
It’s darn near impossible to even identify what is the real website for Motor Club of America.
The website that claims to be the “official headquarters of Motor Club of America. – Source
What is interesting is that this site does not provide any contact information for the company and it is fairly heavily sales representative focused.
This website is mcamotorclubofamerica.com and according to public records the domain name was registered on March 27, 2012 and domain ownership is hidden.
It’s interesting that the domain name motorclubofamerica.com is available for sale. You would think that a company that’s been around since 1926 would own their own company name as a domain.
Another page on the “official” site claims that the video below was recorded at “corporate headquarters.” The video description provides a bit more information:
“Maxposure Marketing interviewing Motor Club of America TOP EARNER Charlotte Wyatt at Corporate in Oklahoma. She says that this company isn’t new or a scam, she’s worked for them over 20” – Source, Source
I turned to the BBB for more information. Certainly a company that’s been around since 1926 would have a record with the BBB. But apparently not.
The only recurring thread is that Motor Club of America is really TVC Matrix, which is located in Oklahoma.
The BBB reports the company officials are:
Principal: Ms. Lynn Havener (Office Manager)
Mr. Virgil Coffee (President & C.E.O.)
Mr. V. Glenn Coffee (General Counsel for TVC)
Mr. Kent Melton (Secretary/Treasurer)
Mr. Bob Thompson
The BBB reports the business opened in 1989.
According to the Oklahoma Secretary of State records, no company registered to do business in Oklahoma exists under the name TVC Matrix or MCA.
There is a company named TVC Marketing Associates that is owned by Virgil Coffee. That company was first registered in 1989. – Source
BBB expreses some concerns over MCA.
The BBB is currently trying to develop additional information concerning the company and its services, which appear to include elements of multi-level marketing programs that allow members to earn payments by recruiting other participants. The BBB has requested additional information from the company and this report will be updated when the firm provides that data. – Source
The domain tvcmarketing.com was first registered in 1999 and is owned by:
3200 W Wilshire Blvd
Oklahoma City, OK 73116
800-288-2889 fax: 405-843-1160
The additional sites located on the same server are:
In 2003 the domain name was registered to Justin Coffee with the email address firstname.lastname@example.org.
I believe D Kircher is David Kircher who is identified as the President of Motor Club of America. – Source
A company named TVC Matrix seems to be the source of a lot of the hype surrounding Motor Club of America sales efforts. They even put out a guide that makes claims about income and contains a sales script about the MCA business opportunity.
What is interesting is that while the script works hard to make the sale, besides saying the company has been around since 1926, there is little specific information about MCA. – Source
According to New Hampshire records, Motor Club of America is a registered insurance company as Motor Club of America Enterprises, Inc. and is located at 3200 W. Wilshire Blvd, Oklahoma City, OK 73116 – Source
A search of corporate records says Motor Club of America Enterprises, Inc. is originally a Delaware corporation that was formed in 1973, not 1926.
Oklahoma records show the company is owned by Virgil Coffee, Larry Melton, and David Kircher.
But the relationships expand into other companies like Auto Help Line of America.
An JVL Holding Properties, Auto Help Line, and Auto Club of America.
Additional records indicate the company is registered to do business in Texas and California.
In Texas the official records indicate that David Kircher is the president of the company, Larry Melton is the secretary/treasurer, and Virgil Coffeer is the director and CEO.
If Motor Club of America is as large as some claim, then the headquarters for MCA should be a large presence.
The official address used by MCA, over and over, is 3200 W Wilshire, Blvd, Oklahoma City. That is primarily listed address for TVC Marketing Associates.
A copy of a Motor Club of America service contract says the company home office is at 3200 W Wilshire Blvd, Oklahoma City, OK 73116 and is actually operated by Motor Club of America Enterprises, Inc. – Source
The signatures of the secretary and president provide no further identification.
According to the TVC Matrix website, the MCA product costs from between $9.95 to $39.99 a month. That means that an annual membership costs from between $119 to $479. – Source
Some lawsuits filed against TVC Marketing Associates provide some statements regarding the operation.
Kimberly Richardson filed a complaint in 2008 claiming she was racially discriminated against.
You can read the complaint here.
You can read the full complaint here.
TVC denied the allegations.
The case appears to have been settled. – Source
A 2005 case was filed by another employee alleging age and disability discrimination.
You can read this lawsuit here.
The case was later dismissed.
The Motor Club of America appears to have little to rest it’s success on other than a bunch of salespeople running around and signing up other associates. There is little to no actual claims of consumers that make any claims about the performance of MCA.
There is also nothing readily available that supports the claims the Motor Club of America has actually been been around since 1926.
Motor Club of America has no BBB record itself, but rides on the listing for TVC Marketing.
For me, the most concerning aspect of this business opportunity that it seems many are hot and heavy about right now, is the fact there is so little transparency about the company itself.
The alleged official site lists no contact information, there is nothing about the size of the company or the executives behind it, and there are few, if any, statements from actual customers despite the claims MCA “currently have over 7 MILLION satisfied customers utilizing Motor Club of America services.” – Source
If I was to make a bet on this, I would feel very comfortable betting that the vast majority of people buying this program are the sales reps themselves.
My gut is telling me that this pitch being made to people as a way to make money to deal with their debt, isn’t one to jump at.