Motor Club of America (MCA) Honest Review, Why It’s a Scam

By | October 15, 2014

Name: Motor Club of America
Price: $39.95 upfront fee pays for two months in advance,  Motor Club of America$20/month or more
Owners: Mr. Virgil Coffee, Larry Melton, and David Kircher
Overall Rank: 1 out of 5 stars

Turn $40 into $80 this week! Get 200% ROI. Get paid every Friday!”

You may have heard through misleading advertising on Craigslist, Social Media sites, job sites, YouTube, websites, etc.

There’s no information to confirm if this company is legit. All you will find are unofficial sites of affiliates promoting it. So, what are they hiding?

Motor Club of America, Product Overview

They claim to have been in business for 86 years providing insurance and emergency roadside assistance to the general public, but the Oklahoma Secretary of State website says the Delaware corporation, Motor Club of America Enterprises, Inc. was formed on August 17th 1973. That’s only 41 years.

Motor Club of America

Click Here To Enlarge


Oklahoma records show the company is owned by Virgil Coffee, Larry Melton, and David Kircher.

They claim to have an A+ on the Better Business Bureau, but if you look them up they don’t even have a rating and instead, use TVC Marketings rating.

They don’t have a legitimate website to describe their products and other information. The official TVC website to login as an affiliate for MCA is hideous, not exactly what you expect.

There are many affiliate websites that look like they are the official Motor Club of America website including: – RE Enterprises Elsenrath – Rodney Walker – Justine J Allen DBA CCB Marketing

The official address used by MCA is 3200 W Wilshire, Blvd, Oklahoma City. That is the primarily listed address for TVC Marketing Associates.

TVC which stands for “Trucker’s Voice in Court” owns MCA and is the marketing side of the program.

The MCA Compensation Plan

Representatives can make money either through the direct sales of the benefits and from team sales overrides. Gold and Platinum members get a 3×8 reward matrix program, Both revolve around the recruitment of TVC affiliates.

Motor Club of AmericaIf you recruit a new MCA Total Security Club Membership member, it would earn you $39.90 upfront and $79.80 in advanced commissions. You also earn $6 from each rep in your downline and $0.66 for each member in your entire downline.

Motor Club of America


MCA Products- A Lie?

While you don’t need to buy any of the memberships to sell the products, how can you sell them if you don’t own them yourself? Also, to effectively promote this you have to have an interest in this.

Motor Club of America membership levels on the TVC Matrix website have five membership plans:

MCA Security Price: $9.95
MCA Security Plus Price: $14.95
MCA Total Security Price: $19.95
MCA Total Security Gold Price: $29.99
MCA Total Security Platinum Price: $39.99

Other vendors that appear on this website is TVC Pro- Driver for commercial vehicle coverage

Pro-Driver 4885 Plan Price: $48.85
Pro-Driver Green Plus Price: $31.90

Motor Club of America also claims to offer emergency roadside assistance and many other benefits including trip planning travel discounts, bail bonds, lawyer fees, stolen vehicle reward, travel assistance reimbursement, credit card protection, farm equipment reward, prescription dental and vision discounts, travel assistance program, emergency room benefit, daily hospital benefit to replace your income, and accidental death benefits.

MCA Product Complaints

You Are Right About This One

AUTHOR: listenup – (United States of America)
SUBMITTED: Monday, December 24, 2012

Yes people should be aware of this company and there Matrix also. They have a Matrix where its like your investing in the business of Mca or Tvc. This is a Scam. From what I do know is these roadside services are not guaranteed. I had to pay for the tow upfront think I would be reimbursed and never was.

Also I had people under me that sign up for free as associate and never received any pay after three months of being a member. Half of the pictures you see are re used pictures.

So yes they are scamming people because if you have to mislead them or do any type of false advertising then that is a Scam. So glad I got out while I can. I smell a Lawsuit!”

Motor Club of America


Motor Club of America and Auto Club of America

These two companies have similar logos.

Auto Club of America, Corp. filed as a Foreign for Profit Corporation in the State of Florida filed on Thursday, January 31, 2008. This corporation is approximately six years old according to documents filed with Florida Department of State. Auto Club of America, Corp. also lists Virgil W. Coffee as Chairman.”

This company seems to be tied to Mr. Belz who is the President of Auto Club of America. He has several corporations suspended for OTC (Oklahoma Tax Commission) in the Oklahoma Secretary of State Corporation’s database for Auto Club of America.

The Reality

Motor Club of America is an illegal pyramid scheme disguised as a legal MLM program.

National Motor Club of America vs. Motor Club of America

Listen closely to this video, they clearly mention National Motor Club of America, not Motor Club of America! Then they go on to promote MCA, really shady.

National Motor Club of America is Better!

 To Summarize:

Why would anyone buy Motor Club of America? Unlike Motor Club, National Motor Club actually has an official website. Their services are identical to Motor Club of America memberships, but are reasonably priced. They also have a recruiting program, but the commissions are lower and the representatives are actually trying to sell the service. National Motor Club is a member of the Direct Selling Association and is accredited by the BBB. They’re also one of the top ten roadside services for 2014.

The Pros Vs Cons of MCA

The Pros

  • Some people are making money and get paid every Friday
  • Rewards you for helping your downline

Motor Club of America Red Flags

  • 99.9% of MCA “members” are TVC affiliates classifying it as a recruitment-driven pyramid scheme. The only people buying this service are the people promoting this company. 51% of sales have to be made to the general public to comply with FTC guidelines.
  • You make money when you recruit, even if they don’t sell anything.

Motor Club of America

  •  Most of the money comes from countless people joining under or after you until it collapses when the recruitment of new reps stops.
  • When people say auto club, people think AAA or what their insurance company freely provides. GoodSam is $80 for a whole year with an option to lock in your rate for five years. Why would anybody join MCA for $10-$20 a month when AAA is about $70 a year?
  • Notice how the “TVC Matrix” and “MCA Matrix” buttons are on the top and how you can join TVC without joining MCA. This proves that they’re completely separate.
  • The “refer 3” model is used on both MCA and TVC, which resembles a pyramid scheme when you are getting paid by referring people who pay who also refer others to do the same.
  • There’s no in depth information on the TVC matrix website about the company or who owns it.
  • You get a charge back if your downline doesn’t fulfill their 17 months and cancel their subscription which means you get charged for it.
  • Liquidated in 1996

Motor Club of America

  • Income claims are constantly made by MCA representatives without an income disclosure which is against FTC guidelines.
  • There are various post and articles saying they are not a scam to hide scam reports.
  • If there was a competing company for AAA’s roadside assistance, they would be aware of them especially if they have been as long as they claim.
  • It’s not a member of the Direct Selling Association.
  • A handful of angry posts has been said to exist against them on some of the truckers boards of how their program targets truckers.
  • This website belongs to an experienced internet marketer. No likes? Hmm…

Liquidation orders in Oklahoma


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There Used To Be…

  • An article reviewing on the BBB’s website about Motor Club of America, but now it appears to be missing. Basically there were various complaints which included unauthorized charges on credit cards and more.
  • MCA domains- many reps from two years ago may no longer be with the company. When I clicked on their domain, it was no longer there and some guys even had their YouTube video taken down.
  • A wiki page on MCA.Motor Club of America

How Much Does It Cost To Start An MCA Home Business?

You can go to their official website and join TVC6I  for free, but their promoters are making you think that you need $40 to get started and $20 per month. The company is not doing anything in regards to this. This is only available to people living in the United States & Canada.

Other costs that you may be told to pay for include:

  • Registering a domain name, $6-$10 a year
  • Hosting, $4-$10 a month
  • Autoresponder (Automation) MailChimp offers a free account for up to 2,000 subscribers while their paid services are $10-$25.
  • Internet Marketing Training- I saw some members of Motor Club of America promoting some of the hottest pyramid schemes including Empower Network that can run you thousands of dollars. If you’re interested, see my review on Wealthy Affiliate where you can begin with a free lifetime starter account or go premium for as low as $30 a month which will give you everything you need to run a successful internet marketing business including free hosting, unlimited websites, 24/7 expert support, and awesome training.

High Chances of Failing…

I don’t mean to burst your bubble, but when you join MCA, it is unlikely that you will succeed and it’s not because of working hard. MLM is hard, period. Only 1% succeed. Let’s be real here. Offline marketing can take months to see results and unless you have a large following on social networks, you won’t get that much people to join you.

It is unlikely you will get help from your sponsors. All they care about is marketing and keep making money. You may get lucky and get a good sponsor who will train you and employ duplication.

They misled you into thinking that you have to pay MCA…
Misled you that this is easy…
That you’re applying for a real job…
That the company and benefits are real…

When you realize that you could be getting these benefits elsewhere for half the cost or that you can’t use your dental benefits.

Just how they did this, they will make you pay for another pyramid or get rich quick scheme. They’re just trying to get the most money they can out of you.

Motor Club of America Complaints

Submitted: Wed, June 05, 2013
Updated: Wed, June 05, 2013
Reported By: MadeAsucker — Lancaster California

Now, I know there is a ‘movement’ on the web to attack any opposers of this scam so I expect to get some responses here….. MCA is a hoax because they don’t even have a legit website. And why? Because their so-called products are just a front. It’s not about selling auto club memberships, it’s about getting more people to become a member and then go out and find more members. People ARE the products AND the marketers. When you become a member the website has more info on how to get more members than it talks about the actual products. So do the reps actually get paid? … Yes, I believe those that actually bring in more suckers, I mean agents, get paid for it.
… You just so happen to be benefiting from the scam….for now. The small scale success stories are simply a marketing tool. Just because you get some chump change doesn’t mean it’s NOT a pyramid or matrix scam folks. Compare the AAA and MCA website. MCA does not have an office you can walk into. There is no chain of command for complaints, questions, feedback. They don’t even go into full detail about their products online. Not even after you’re a member and they send you the email with so-called membership details, do you feel like a member of anything of a grand scale.
You get an email with links that take you to flyers about the service. I called their customer service line trying to find out more about the products and the rep didn’t even know what they were. She kept putting me on hold each time I asked a question. She didn’t even know what the main website was. I asked her because there are so many fake MCA websites created by MCA ‘dealers’. For a business that was established in 1926, their website design is cheap, customer service is awful and the products unimpressive. Why is that the hotel discounts are only for cheap roach motels? Is that the best they can do? How many agents have actually tried to use the services and felt protected I wonder?
Now of course it appears that MCA/TVC and GWP are two separate entities. Maybe they are and maybe they aren’t. All I know is that I gave personal information to both because they were presented to me together by a MCA rep, Derek Foley (even though the email came from a Deborah Foley), as though they were one in the same.
Here’s the Email I received
Thank you for requesting information about our open position as a Referral Agent.
We have assigned a home agent to help you get started.
Their information is included below:

IMPORTANT: If you were not able to review our information about MCA, CLICK HERE
You Can Get Started Right Now By Clicking –> here
You may also contact your Home Agent Specialist, they will be happy to answer any questions you may have.
Name: Jeffrey Burkey
Direct Number: 7403469450
Contact the person above, they will answer your questions and assist you in setting up your account, getting trained, and getting started generating income today with MCA and Get Weekly Paychecks.
Best regards,
GWP/MCA Referral Agent Enrollment”

Submitted: Mon, December 03, 2012
Updated: Thu, May 29, 2014
Reported By: MCA Victim — Charlotte North Carolina
Motor Club of America (MCA)

…Here were the initial red flags…
* The company [makes it seem] in order to join their program to make money that you PAY FEES MONTHLY
* Their website is completely unprofessional, awfully designed, and just screams SCAM. [That is not their official site, but how are consumers supposed to know?]
* The program is commission only (and again requires money down to join) [misinformed]
* MCA picked a name that is very similar to National Motor Club of America which helps them blend in, and look more reputable. They are NOT associated with National Motor Club of America which has been in business for over 10 years.
* MCA is NOT listed by the Better Business Bureau. They are hidden under the name TVC Marketing.
* Motor Club of America is EXTREMELY expensive for what they are trying to sell. AAA is much cheaper and unquestionably reputable.
The MCA Pyramid Scheme is definitely a RISK for anyone who gives it a shot with a very high chance for failure. Their practices are manipulative, sneaky, and their associates will say anything to get new people…
One of their sharks includes this guy:
(Real name Unknown) LL Cool Harlem
Join our program for 40 bucks! (and 20 a month to follow) and you will be rich! Yeah right f******. Even without the fee to join it still screams scam…”

Submitted: Sun, January 27, 2013

Updated: Sat, May 03, 2014


Reported By: JohnGresham Oregon United States of America

I want everyone to know that TVC marketing also MCA or known as Motor Club of America is a complete rip-off… I had responded to an ad on for a sales position to earn $60,000 to $110,000 a year by working for a reputable company … I provided my name and number and e-mail then I get an e-mail saying that I must attend a webinar to find out about the company and details.
So they have the usual story of how this young man is making all this money…with a great company in business since 1924 or 26 many years listed with BBB A+ rating and all these benefits for its members… So you had to sign up at the conclusion of the webinar and you’ll get this assistance and training to be an associate of the company. Plus you had to become a member. Well I did that…
Then they hit you with a barrage of helpful marketing tools and TVC marketing and different options in which to make you successful with the company is how it appears. I didn’t go for that, Red Flags came up all over e-mails form the Marketing Director back in Baltimore. Then I had tried to call the company a day later, it was difficult to find a number to actually reach a live person to help out in anyway. I had to spend over an hour wait just to chat with someone about the membership and try and find out what is actually taking place with the company after reading up on the company and its aliases that they use.
Long story short I found out they are not a member of the BBB and have not been in business long enough to be a member. I have found out they have many complaints against them and they have copied a legitimate companies material almost word for word and try to capture your attention on YouTube. I filed with the BBB of Oklahoma City, The attorney General’s office of Oregon and Oklahoma and the FTC! I had tried to use the benefits for two things, discounted dental and that was a lie and the towing service was no good unless I was more than 50 miles away from home!..”

My Final Opinion of Motor Club of America

There are just too many red flags with the two biggest being that they’re just a ponzi scheme and they have an uncompetitive and overpriced product that nobody cares about. They used part of clip from a man that used his National Motor Club benefits and then they used that to began promoting their membership. They don’t have an official website and they’re not registered with the BBB or the DSA. Their website is unprofessional and have a matrix compensation plan. MCA’s affiliates are very misleading and will say anything to bring others in.

If you join, you’re going to be stuck with a MCA membership when you can get AAA for half the price. It’s unlikely that you will succeed and in fact, be presented with other pyramid schemes.

If you’re looking for a way to build a real online business, learn more about Wealthy Affiliate that has amazing internet marketing training and the only one with a free lifetime starter account.

Motor Club of America at a Glance…

Name: Motor Club of America
Price: $39.95 upfront fee pays for two months in advance, $20/month or more
Owners: Mr. Virgil Coffee, Larry Melton, and David Kircher
Overall Rank: 1 out of 5 stars







If you’re a member or have been a member of Motor Club of America, I would love to hear your story below! 🙂


To Your Success,




Review Date
Reviewed Item
Motor Cllub of America
Author Rating

87 thoughts on “Motor Club of America (MCA) Honest Review, Why It’s a Scam

      1. Malik

        Wow MCA is a scam? Hmmm… Lets break down the word SCAM.
        S – Still
        C – Confused
        A – About
        M – Money.

        I mean, besides the money making opportunity that you can make with MCA (Motor Club Of America), the benefits and service are real. I see nothing bad about a company that has been here since 1926 and help many people to earn an extra income working from home.

        This review doesn’t prove anything because this is your opinion and false claims you post about the company. What I really like about this review that I see that your mentioning a company called Wealthy Affiliate which is okay, but at the end of the day this is false claims against MCA.

        MCA’s real website is They are partnered up with MCA which is a product that they are selling to other people that needs the benefits that TVC matrix offers to other people that need roadside assistance or to earn an income working from home .

        “Pyramid Scheme”, “Ponzi Scheme”… come on Jennifer, let’s be real and no disrespect but a pyramid scheme is illegal in America. MCA/TVc Matrix has a real product that is selling to other people that wants it. If this was a pyramid scheme, how are they in business for so many years? A Ponzi Scheme is where you’re sending money to a company that doesn’t even exist, no contact information for example phone number, email, or fax and no return invest.

        MCA/TVC is a real compay. They have a real website with contact information so that people can speak to a live rep to answer all there questions if need. Lastly, you’re paying for a membership which is where the $40 question comes in because you’re getting your benefits in return once you sign up.

        Again, the money making opportunity is optional so you don’t have to refer people to it if you feel like to so that answer all your questions and to any else that is reading this comment..Understand it’s Jennifer’s opinion, but half of everything you post on here is mislead and are false claims.

        1. Jennifer Post author

          Sure, you can make a lot of money with MCA if you’re able to refer a lot of people. The most effective way is to do exactly what those guys are doing, flash cash on YouTube and Facebook. Then after you get your downline, you have to be able to retain them. The products and services given are just used to mask the scheme and make it seem legit.

          The claim that they have been around since 1926 is a lie. Let’s go back to the beginning of my post:

          “They claim to have been in business for 86 years providing insurance and emergency roadside assistance to the general public, but the Oklahoma Secretary of State website says the Delaware corporation, Motor Club of America Enterprises, Inc. was formed on August 17th 1973. That’s only 41 years.”

          Nothing of what I have written are false claims as I give references as to where I get the information.

          What I’m saying is that MCA doesn’t have an official website themselves. The services they offer are overpriced and more inferior than other more reputable companies like AAA which cost $57 to $167 a year.

          MCA is a product based pyramid scheme. Many people are being deceived and the only reason they are giving their money is for a chance to make riches, not for the product itself and there’s no actual retail demand for this service. MCA relies and profits from the endless recruitment of individuals. The reality is that they will just waste their time and money. And yes,pyramid schemes can run for many years.

          1. David

            I do have to leave this one comment, Jennifer i just came upon your website just a couple of hours ago on 09*01*2015 and I will say i have read a few of your Scams Exposed articles and I have to admit that you are hitting everything on the Head about what you are talking about with Scams Exposed, and yes I do agree, MCA is a great product but for what????? I could have spend alot of money, effort and time into MCA 2 years ago but chose not too, I wasn’t good at recruiting people in my downline, If I chose to stay in a company as MCA i would be happy to pay my fees to recieve their products and services, and Jennifer you are speaking FACTS about all these companies that goes down under a couple of years of SCAMMING PEOPLE, and Malik the word SCAM has many acronyms to it, let me just post a few.

            SCAM = Successfully Creating Alot of Millionaires (Wake Up Now was using this acronym)
            Acronym Definition
            SCAM SCSI Configuration Automatically
            SCAM Société Civile des Auteurs Multimédia (France: Civil Society of Multimedia Authors)
            SCAM Source Code Analysis and Manipulation (IEEE International Workshop)
            sCAM so-Called Alternative Medicine
            SCAM substituted-cysteine-accessibility method
            SCAM South Carolina Association of Magicians
            SCAM Superconducting camera
            SCAM Standard Content Archive Management
            SCAM Supreme Court and the Attitudinal Model
            SCAM Suffolk College Alternative Music (radio station; UK)
            SCAM Surveillance Control Alarm Maintenance
            SCAM Spare Capacity Assignment Model
            SCAM Scanning and Alarm Monitoring
            SCAM State Coordination Management Council
            SCAM Structural Composite Armor Materials
            SCAM Simple Cordless Alpha Monitor
            SCAM Stingy about giving out personal information, Check your financial information regularly, Ask periodically for a copy of your credit report, Maintain careful records of your banking and financial accounts (mnemonic to avoid identity theft) ok maybe i didn’t search these myself but the word SCAM has many acronyms that you all of a sudden create to make the one posting an article seem not legitimate,

            Jennifer please Keep up the Good Work and I will be a regular visitor on your website and blog.

      2. Delana Quinn

        Unlike yourself, I went through some of the partner companies to ask if they were, in fact, in agreement to provide these discounted services with MCA. The three primary for dental, vision and roadside all confirmed that they have partnered with MCA and it is legitimate.

        Further, you do not appear to understand the difference between referral marketing and a pyramid scheme. In a pyramid, you keep getting people to feed money into something with zero benefit. They pay, they get others paying and when it stops the whole thing crashes.

        MCA on the other hand saves millions of dollars in advertising expenses by offering its paid members the option to collect a referral bonus for referring more people to become members. The difference is that MCA DOES offer these discounted services, they ARE partnered with these businesses, the members DO receive an actual service at discounted rates by virtue of their membership fee.

        Auto club memberships are common. Triple A, AARP are two familiar examples. They have a huge corporate budget and do not offer an affiliate or referral program.

        Let me ask you this – which is the more intelligent business model – giving members a few bucks to refer and bring in more business or spending thousands of dollars on marketing campaigns to produce ads that people will ignore, block, change the channel on, throw in the garbage because people HATE being ad spammed. Right now I’m ignoring every ad on your site.

        Everybody hates ads.

        But a person who has used a service that has been of use telling me about how I can use that service and receive discounts is a referral.

        Why is MCA a scam but Amazon affiliates or Netflix or Paypal is legit?

        1. Jennifer Post author

          If MCA is so legit, why when I searched for Allstate, GoodSam, or StateFarm roadside assistance I can see that the ads will take me to their official website, unlike Motor Club of America? When I typed, it redirected me to tvcmatrix. If it’s been around since 1926, why don’t they even own their own company name as their domain? They claimed mcamotorclubofamerica was their official website, but according to WhoIs, that domain was registered on March 27, 2012 and its ownership is hidden.

          MCA didn’t have a record with the BBB and they reported that TVC Marketing opened in 1989. Now their recorded website links to TVC’s membership plans. They have had 39 complaints in the last 3 years, about 26 regarding their product and service. The BBB barely established them in mid 2014.

          The domain was first registered in 1999. Sites located on the same server included,,,,
,,,,, and

          Except for glenncoffee,onetouchonline,tvcmarketing and tvcmatrix,the other sites no longer exist.

          According to corporate records, MCA is originally a Delaware corporation that was formed in 1973, not 1926.

          Texas official records indicate that David Kircher is the president of the company, Larry Melton is the secretary/treasurer, and Virgil Coffee is the director and CEO.

          If Motor Club of America is so reputable, then its headquarters should be a large presence.
          It’s official address is the primarily listed address for TVC Marketing Associates.

          While the internet is flooded with a plethora of associates promoting the program and trying to bring in agents to sell uncompetitive and unreliable roadside assistance, I could find very few reviews about the service itself and as you read, they are not guaranteed.

          Having a referall program is the more intelligent business model and yes, they should offer it and MCA should consider investing a couple thousand to give them the mass exposure that AAA and AARP have. And it obviously works or those companies wouldn’t be wasting their money like that.

          Amazon and Netflix are legit because they’re referall program is only one level and they are well known companies.

      3. Tammy

        First off, ALL companies are MLM, or pyramid… Look at Walmart… but you make no money from Wal Mart… I used to do skip tracing for a living… I actually found another OLDER date.. 1966… So you are the scammer. If you can’t post the truth, don’t post

  1. Pingback: My Lead System Pro Scam- A Sincere Review | Jennifer's Passion for Internet Marketing

  2. Bethany

    Ok, so I read a lot of negative reviews about MCA. I don’t know much about the affiliate aspect of the company, but I do utilize the services. Repeat… I do not sell Motor Club of America. I merely have the $20 a month membership. Here’s my experience with MCA:

    I joined MCA in July of 2014. I am a student and sometimes only work part time. I also drive a not-so-reliable car that is paid for, so I need to keep it for a while longer. However, the first time I needed to use MCA was actually for my roommate. He stopped by the gas station on the way home from work and when he went back out to his car, his transmission cables had broken. I met him up there and called MCA. A tow truck arrived and hauled us off to the repair shop. The tow truck driver said that they receive a $100 from MCA for the tow, but I only paid $20 for my monthly service fee. This was in August 2014.
    In September 2014, I was on the way to the beach and decided that I had better get gas first. After pumping gas, my car wouldn’t start! I called MCA. A tow truck driver arrived and towed me back to my apartment. Before he left, he raised my hood and discovered that in fact, I just had loose battery cables, which he showed me how to fix myself and then I was off to the beach!
    In February 2015, I had to work at one of our locations quite a ways from my home. As I was pulling in, terrible steam arose from my radiator and my car had overheated. I called MCA and I was towed to a repair shop.

    These are the only services I have used from MCA so far. But I feel I get a great service for a good price. I am aware that AAA is cheaper over the whole year, but I can afford $20 a month, billed to my credit card, much easier. Also, I have had AAA in the past. I lived with my sister in Virginia and we were on a plan together. Our plan only included 3 or 4 miles of free towing and they really want to keep service calls to a maximum of 4 a year. We paid around $150 for the year with AAA. MCA has an unlimited amount of 100 mile free tows. I would have paid a hefty sum to have my car towed from where it overheated to where I like to have it repaired, closer to my home.
    As a member, I am aware that I can sell MCA memberships, but I really just don’t have the time to commit to it right now, nor do I see myself selling it in the future, because I don’t think I would be that good at internet marketing. I am just grateful to know that if my car gives me trouble today (and it might!) that I have a reliable (so far) service that I can afford and call and not be afraid about being stuck on the side of the road.

    1. Jennifer Post author

      Thank you for sharing your story Bethany.

      As mentioned, there are much cheaper and more reputable companies to choose from and a lot more affordable options. Good Sam is only $80 per year and covers your whole family at no additional costs! If you can’t afford to pay $80 upfront, borrow it and pay them over the course of four months.
      You can call them anytime you need it and they will pay all of the towing fees even if you’re 500 miles away from your house and there are no pre-set mileage restrictions or dollar limits.

      1. DeVaughn

        After reading your so called scam report
        Your just putting MCA down to make a quick buck off of whatever your marketing.
        shame on you

        1. Jennifer Post author

          No different than what you and the other MCA are doing. You just comment on my blog to get a backlink to your MCA website.

  3. paula Leasure

    I joined to be a representative; however my so called sponsor tells me I should go on my Facebook and start liking sports figures and celebrity pages. Something didn’t sound right. When I phoned the company, no one answered my question about this. It sounded far fetched to me. Yes it’s a scam and those who promise to help you build your business and membership, those who promise to quote unquote train you. Don’t waste of valuable time and money.

  4. Kevin

    Jennifer, I see that they have a legit website If your going to spend so much time trying to tear down someones company that they are improving their families lives with and improve their income position “legitimately”, you need to get your facts straight. You need to spend less time hating on people and companies and more time on finding the good in people and companies. You will be a much happier person in life.

    1. Jennifer Post author

      Kevin, is not the official website, that one is owned by Rodney Walker. You can find that out by going to and typing that domain name to find more information about it and it will say right there that the registrants city is Chicago and the e-mail is MRRODNEY WALKER@YAHOO.COM.

      1. David

        Very interesting you point this out Jennifer that MCA doens’t even have an official website, MCA is a Scam Non the Less,,,,Hope people are ready to ask the CEO and Founders of MCA what the Official and Professional website is of MCA.

  5. chris marks

    This blog was made to bash one program in order to drive traffic to her program she’s pushing……….Now what if someone did the same thing to this blogger, trashed her program just to drive traffic to theirs…..I guess they didn’t take that into consideration.

    I love how in todays “Internet” world, I love how peoples “opinions” of something gives them right to call whatever they dislike or don’t agree with, or know nothing of, a “scam”.

    If MCA stiffed reps and did not pay them, or stiffed members and didn’t provide the benefits they paid for, now we would be working with something, but what’s listed on here is far from proof of scamming.

    You need to get your information correct, you also need to stop “price shopping” something as justification for calling something a scam. Good sam mentioned, you need to make sure you’re comparing Apples to Apples, and not Oranges to Oranges as far as pricing and benefits. Also, i can go to one dept store, then another down the road, and low and behold, they are selling an exact item for $30 higher than the other. Do i get to go around calling them a scam now for having a higher price?

    In order to be equal to what MCA total security offers, and even then, Good S falls short, but even still you would need their platinum plan, which is 179.99 per year, not 79.99. Keep in mind, mca has a 9.95 per month or 120 per year plan themselves, but, as i said, we need to get as close as possible to comparing apples to apples, not just taking one companies lowest plan offered, then comparing it to a higher plan of MCA

    FYI, good s does not do 500 miles of towing, their plan is unlimited mileage TO THE NEAREST SERVICE CENTER, so basically, no matter where you are, you don’t get to chose where your car goes, it goes to the nearest viable service center. Now with their top plan ($180) you also get up to 100 miles to OF YOUR CHOICE, just like MCA does, except for MCA does not limit you to just 4 service calls per year, MCA is unlimited calls per year

    Now with that said, without even getting into more detail of why MCA’s benefits are better, just on the service calls alone, lockouts, tows, battery, gas etc etc. Good S and AAA limit you to 4 per year. MCA gives you UNLIMITED, 365 days a year, that alone without touching the other benefits that make MCA better is a slam dunk. So with MCA total security at 20 per month or 240 per year, compared to Good S 180 per year, that’s not the big savings as you are trying to project here.

    AAA no longer offers referrals, Good S doesn’t either, so that in itself is another reason MCA is far superior, with AAA if your aunt, cousin, neighbor, co worker, whatever says, hey, who do you use for roadside? My car has been acting up, or my car stopped on me the other day and i had to call a to truck and they hit me for $150 bucks. If you tell them to call AAA, you’ll have nothing to show for it, with MCA, you just made $80, im sorry but that’s pretty darn good if you ask me. Besides, you bash MCA, and it’s no different than AFLAC or any of these other benefits services, even AAA used to pay for referrals until recently…..Now they don’t give you anything….

    As far as MCA, they indeed were started in 1926, you are confusing MCA the actual benefit providing company, with TVC Matrix who is simply the marketing division that coordinates the agents that sell the memberships.
    They also do indeed have an official site,, and they allow reps with their approval to create their own sites to market their products, if you’ll notice, if you go to that site you listed above, and actually try and purchase a membership, it re-directs you right over to a tvc checkout in order to make your purchase. They handle taking the payments and setting up your membership, then they pay out that rep for getting the referral.

    To that paula person, the one that stated its a scam because the agent she signed under told her to market on facebook. Honestly, sometimes i really wonder how on earth this nation hasn’t already sank yet when i read posts like that. So now MCA is a scam, because some agent who you signed up with told you why not market on facebook, oook. So you felt you weren’t trained properly, that’s the companies fault….

    How about this, how about you stop waiting on someone to save you, make a few flyers, go out, post on there about MCA’s unlimited roadside assistance benefits, put them out on some houses, cars, laundromat bulletin boards. Keep in mind, there are 100’s of millions of cars on the road, and every last one of them is a prospect for you, you don’t need to do facebook, you just need to get out and work, that’s what many others are doing.

    1. Jennifer Post author

      This article was meant to inform people the truth about Motor Club of America and yes, people are receiving an overpriced service. And yes, members are paid decently with their matrix compensation plan for promoting this business opportunity. I did compare apples to apples. Good Sam’s roadside assistance is now only $70 and it provides coverage for your spouse and dependent children, your RV; car; van; SUV; motorcycles; and boat trailers, and they have a nationwide tire replacement program. MCA’s Total Security is $240 per year making it 3.4 times more expensive. Good Sam’s Platinum Plan is $115 per year which is $9.58 per month. The extra benefits that MCA offers are included just to justify the cost of their overpriced membership and that extra money that they’re making are being used to fund the pyramid scheme. The only reason why representatives are buying it is to make money with it, not because of the actual product and a large focus is being placed on recruitment and not the actual product itself.

      An why do they state that have been in business for 80+ years when the Oklahoma Secretary of State website says they’ve only been in business for 41 years?

      Motor Club of America itself doesn’t have an official website and like I said, their actual website is very unprofessional. It’s not an accredit business. And why in that YouTube video they use a testimonal from National Motor Club of America? Unlike Motor Club of America, National Motor Club is a member of the Direct Selling Association and is accredited by the BBB. They’re also one of the top ten roadside services for 2014.

      MCA is a scam.

      1. Sadiq

        Hello, I just would like to thank everyone for commenting and sharing their Thoughts. But I would like to remind you that those people who intentionally bash a company because they do not like it or trying to drive traffic for their own benefits. I just would like to remind you that God does not like those who lies and he will curse soon or later even for marketing purposes. I am not against honest criticism at all but you are attacking MCA fiercely. and deceptively. MCA offer many Packages to its members from 9.95 to 14.95 to 19.99 a month. The customer has a choice to choose the package he can afford with different benefits. MCA offers a real product and Serve its members in the U.S and Canada and they have 24/7 customer Service how the hell in the world its a scam. I agree with you that someone of the agent are using deceptive tactics to recruit people for the commission which is really their fault not MCA Fault because they believe everything the agent tell them without reading MCA rules and conditions. Sales associate can make good money base on their performance. Please remember that we all day and we will be accountable for everything we write or we say about anything and that God is called the most just. You will be rewarded by God if you are honest in your criticism. I love criticisms because we can always improve and get better but lying is a pure evil. Life is so short. Please post my comment and thank you for your big heart.

        1. Jennifer Post author

          Sadiq I do not lie, deceptive are the promoters of MCA. AutoVantage is just $70 per year or about $6 per month and it covers your entire family. MCA lies about how long they have been in business. They are never mentioned as one of the best roadside services, not registered with the Direct Selling Association, don’t have an official website and their promoters tcan’t even use a real testimonial.

  6. Chris Marks

    Know what is also amazing, wealthy affiliate that you are promoting also has a referral payout, you said so right in your review, so using your own logic, wouldn’t it be a ponzi as well if MCA is?

    MCA makes revenue exactly how insurance industries do, they also pay out their agents in the same manner.

    They know that people will hold their membership for quite sometime because if they cancel it they’ll end up needing it one day, and it not be there, so they pay commissions in advance to their MCA agents (same as insurance agents are paid) So this ponzi accusation is false. If that’s the case, so are life insurance agencies, supplemental insurance like AFLAC, health insurance, auto insurance etc etc. The revenue that’s brought in is by the customer holding thier policy and keeping up payment on it, that’s how the money is generated. And if they ever have a claim, they are part of a large pool/group, and that’s how they are covered. This is nothing new, i think people just love attacking anything that’s an online program. If MCA was offline only, sold in small offices nationwide, we wouldn’t be here right now………

    And keep in mind, you can also sell MCA benefits without even owning a membership…….You just sign up as a rep, and start selling….

    The reason people want to be an agent actually buy the membership is because 1, they use and need it, because if you drive, shop, rent cars, rent hotel rooms, travel etc etc, you can use MCA’s benefits

    The other reason is, if youre going to be promoting something, you should at least own it and use it yourself, which makes sense.

    End of day, there’s zero cost to be an agent, because even if you buy a membership, that is actually paying for your benefits that you have access to, there is no separate fee to be an agent, on top of the cost to get a membership package…..

    Let’s see if any of my posts are approved and make it to your blog……

    1. Jennifer Post author

      Yes, Wealthy Affiliate has a referral program but it is very different than MCA in that it’s only one level and what separates it from a scheme.

      You can’t compare MCA to legitimate companies… The owners of MCA are
      charging 2.5 times more than the
      industry leader AAA to fund their

      The only reason people are buying it is because of the hope of making a full time income from home which very few people will achieve. The majority of the clients are the reps themselves.
      charging 2.5 times than the industry leader AAA. It is nearly impossible to sell this very uncompetitive product and they throw in all the extra benefits that people don’t really need to justify the price.

  7. Ron

    There is no official website for MCA. Motor Club of America is a SERVICE, not a business. It’s the titled given to the membership plans, so I don’t understand why people keep saying that or why the company doesn’t intervene. I have promoted MCA for awhile and have done extremely well, with my website (which looks official, but I hand designed it to look that way on purpose) and have received everything I was promised. The only complaint i have is that sometimes the customer service can be bad or towing can take awhile to get to you, but other than that all is great. I’ve been paid weekly as promised, service as promise, discounts as promised, etc. etc.

    The company is great as far as the benefits they provide, and I don’t care what anyone says I’m leaving it at that and not about to argue. Don’t know it if you haven’t used the service yourself.

    Now on to the bad… I DO however hate the association that the company has with bad reps. People that market by flashing money around like buffoons, the people that con people into joining with claiming they will train them and don’t, and the association with Rodney being a sex offender in Florida now being the big problem talked about so much. None of that has ANYTHING to do with MCA, it’s just the reps doing what THEY do. Shame on MCA for not cancelling there accounts or at least stepping up, but it is what it is.

    The MLM part every speaks about doesn’t matter. If that were not attached, would MCA not be a great service? The MLM doesn’t even really pay much. You are getting paid for REFERRALS just like anything else. I don’t get where people keep claiming it’s a scam… makes no sense to me.

    I looked up at some of the comments and just like I thought… REPS told you all stuff to do that was fishy. They are INDEPENDENT REPS whom mostly have been taught by others whom were taught the same thing. There is real training in your backoffice.

    1. Jennifer Post author

      Every legit service has an official website including National Motor Club. MCA is not a member of the Direct Selling Association and they are not accredited by the BBB. No mention of them is made on ‘best roadside service’ articles.

      They add a bunch of unnecessary benefits to justify their overpriced service and use their revenue to fund their scheme. That’s why they’re 2.5 to 3 times more expensive than the industry leaders.

      Yes, MCA cares about only making money no matter how it’s done.

  8. Robert D

    Motor Club of America not only suck as a way to make money, but the product sucks. I never used this is away to make money. I just wanted the towing services. I probably been a member for over 2 yrs. They wouldn’t tow my car to the shop because they said it had not been running for 4 days and that this is no longer considered emergency towing. They could call out a tow truck but I would have to pay for it. I was trying to tow my car from my house to a auto shop about 2 miles from my house. I’m from Indianapolis, IN car broke down near Ft Wayne IN. I towed it from Ft Wayne to house with u-haul tow dolly. I just needed to get it to the shop from my house and they wouldn’t do it. They said it was longer than 24hrs since it broke down. I pay these jerks 19.99 a month for this type of service. I cancelled on the spot. Do not get this tow service go with the bigger, better, more affordable AAA if you need a tow service or use the plan offered by your auto insurance. But this is a joke! I only bought it because of the possibility to make money with it, I only kept it because of the towing service. But believe me it is a waste of your money!

    1. Jennifer Post author

      And this is the only reason people are buying is to make money. Thank you for sharing your experience Robert.

  9. Larry

    You may be a little misinformed. First off you don’t have to pay $40 to become an associate. To become an associate is free! Also before i was an associate i was using the benefits which are real. They were able to provide me with 37 mile tow at now out of pocket cost and the customer service was great. As i am riding in the tow truck i get a phone call from a MCA CSR and was checking if i had gotten assistance. So she called to make sure i was being assisted. It seems to me like you guys thought selling the benefits was hard and couldn’t make a sell, gave up, and now taking the frustration out by writing this article. I actually am making great income and I don’t offer the business opportunity but just offer citizens in need with these great benefits. I know that most associates dont do as i do and that is why they are the scam and unsuccessful.

    1. Jennifer Post author

      Yes Larry, MCA is free to join but people are being led to believe that they have to pay. As I mentioned before, MCA doesn’t have an official website that actually says Motor Club of America. What you will find are websites done from the reps themselves.
      MCA is uncompetitive and overpriced in order to fund the pyramid scheme that they are running. They throw in all those extra benefits to justify the price but those are things that you don’t really need.

      1. kail

        Thats ridicules. I sell/use the service. People love and need them. Thats why the official reviews out rank AAA. Why are you so mad at MCA, why ruin future reps chances of making a nice income? Cause they’re not signing with your opp? Thats a sad way of marketing.

  10. David

    And I do have to mention this, maybe adding fuel onto the fire Jennifer, but after your replies to everyone, not one do I see them responding to your posts after you have replied, how unprofessional is that? I just wonder where these people get their so-called facts from.

    Its a bewilderment to me to see people that are bashing you when you are just making an honest opinion that they can disagree on, but please disagree in a very respectful way, everyone is right to their opinions and Jennifer, you are right to express how you feel, KEEP UP THE GOOD WORK.

    1. Jennifer Post author

      Yes, they have nothing to say. Usually people get really defensive about a business opportunity they’re involved in or usually they are the people promoting the business commenting in here.

  11. Jaye

    All this talk about MCA scam, this MCA scam that you need to stop and define the term scam before using it darling. My thing is this… if the benefits are being supplied and people are actually using them, how is it a scam? If the company promises you’ll be paid for your referrals and they pay like they stated, then once again how is it a scam? Here’s an example if TVC promise to pay me when I referred some people and it turned out they actually didn’t, that will be a “SCAM” because they lied which is “Deceiving” then you would have a “Legitimate Argument” if they stated the benefits were gonna serve the people for the money they put out; when it came time to use the benefits they didn’t work, that will be a “SCAM” once again then you’ll have a “Legitimate Argument” but you don’t so stop wasting your time. You also mentioned the BBB, well sweetie it seems to me that the BBB is no stranger to fraud activity either, take a look lol and yall have the nerve to be screaming, oh if they are not with the BBB they can’t be real. Shut the bleep up! After you watch that video, you’ll be singing a different tune about the BBB yourself. Lastly my thing is this if this TVC/MCA is running some kind of illegal pyramid which I know they are not, what the hell does that have to do with you…absolutely nothing. Worst case scenario is that the company will shut down then people will move on with their lives and find something else to associate themselves with…But the way you talking you act like you gonna get jail time or something. Damn, calm down. Its not that deep as long as the benefits work and I’m able to make legit money and I won’t be prosecuted behind selling these memberships I’m good… let the owners deal with the rest of that unnecessary stuff you’re talking about… because at the end of the day as long as my commission check is dumped into my bank account come Friday morning and my benefits continue to work during the times I need them, that’s all that matters. There’s absolutely nothing else to be concerned about Jennifer, you just sound bitter and immature

    1. Jennifer Post author

      The fact that their overpriced benefits are not guaranteed, there’s no official website, that the majority of the people buying the MCA membership are reps, and that they use deceptive marketing is what makes MCA a scam. Of course, it is to their benefit to pay their reps if they want to have people joining their endless recruitment scheme.
      Yes, I agree with you that the BBB is somewhat unethical.

      How is the fact that MCA a pyramid scheme have to do with people? Some of the effects are that they will waste their time and money, damage their reputation and hurt their relationship with their family and friends.

      You need to open your eyes and stop being so close-minded.

  12. kail

    I have been with MCA for three years and I sell only the benefits. I never been shorted a dollar and I’ve never known the services not to work. MCA is not a scam simply because they pay me every week and changed my life. Really, all you’re doing is bashing my company with bs to gain traffic. If I was to make a post about your company pointing at bs, you will be offended. Just cause you didnt make any money with it does not mean its a scam because I’m a normal person that does normal marketing and MCA is my biggest source of income. Please stop cause MCA has been around before your mother was born. If it was a scam, it would of been gone by now right? What scam do you know been around for this long?

    1. Jennifer Post author

      MCA is a scam because there is more emphasis on the recruitment of indiduals rather than the services. If MCA was so legitimate, why do they steal a testimonial from National Motor Club?

      Actually, my mother has been around longer than MCA.

      The FTC takes very long to identify and shut down pyramid schemes. Since 2001, only five companies have bedn shut down.

      Mary Kay and Amway have been accused of being pyramid schemes and they have been around for a long time.

  13. Krizia

    No one responds because they realized she was just going to recycle from her hypocritical opinionated article.
    SCAM is a big claim to make. I can understand poor service. But SCAM is a whole other ballpark. Soon defamation is going to come into play with some of these companies.

    I’m going to need more than just some bad reps and opinions to prove MCA is a scam.
    My grandfather had MCA. I have the table with the car stickers he had. One of them shows the difference of inflation by the change in benefits. See the problem with your claim to MCA being formed in Oklahoma is not digging deep enough to their history. Virgil is not the first owner to Motor Club of America. And Oklahoma is not the birth home to Motor Club of America. Look again.

    Not sure how the benefits offered are unnecessary when they all aim to protect when traveling. Legal benefits are offered when you are in an accident. For when you are at fault or when someone at fault may be under insured. Health coverage is always good if a mishap happens. And Roadside is obvious. AAA on the other hand offer things that don’t required a membership. Many people don’t need advisors to buy a car.

    Not being listed on the Direct Selling Association does not validate your SCAM claim either. There are MANY well known direct selling companies not listed. Like AVON. They have an “official” website. But they are not apart of DSA of BBB. Your opinion of MCA not having an official website is void. It may not be all modernized to your liking, but it gets the job done for those that matter. MCA does not put any money into marketing. They rather pay more into their agents. The reason MCA comp plan being so high.

    Yes, there is a great deal of bad PR for MCA with ignorant representation lately. But that doesn’t make claim to SCAM. It just means those reps are undertrained. Veteran IBOs know producing a recruiting business is suicide.

    1. Jennifer Post author

      MCA is a scam because most of their customers are their reps that joined only because of the income opportunity and not their uncompetitive insurance plans meaning that it’s not complying with FTC guidelines. They will pay you just to recruit and this is a sign that it’s a pyramid scheme.

      They also used a testimonial from National Motor Club to promote their scheme and their name is very similar to theirs to make them seem more reputable.

      People are being led to believe that they have to pay to become a rep and that they will hundreds to thousands of dollars a month and nothing is being done about it so they will most likely lose their investment.

      MCA is never mentioned as a top service and I wouldn’t want my insurance from a multilevel marketing scheme.

      Avon is in my list of companies to review.

      It’s not an opinion, its a fact. MCA doesn’t have an official website like AAA or National Motor Club. If you find it, let me know.

      No, they don’t waste thousands for advertising which would result in a great loss but they do charge two to three times more than a regular insurance company to pay their reps.

      1. Ricardo

        you have no clue, you must be a AAA member. Keep trying our company is not going nowhere. Our website is and also how it is a scam I have to file a w9 to get paid oh by the way the IRS, government has a copy and they send me that to file taxes. Jennifer I belive you’re insane lolll. Get a life

  14. flowers00-

    Do your research the so called BBB is under investigation ,many reviews and complaints have been made about them .Did you know that in order for your business or company to be rated an “A” you have to pay a member ship of $500 to the if not your rating will be an “F” .

  15. David

    Hi Jennifer. I came across your site while looking for MCA marketing tools. I must firstly say that you’re providing valuable information warning others about scams. However, I’d like to point out that even though you provide useful info to potential scam victims, it would be helpful to your readers, and would make you stand out among other reviewers, if you had personal experience using the product or service you write about.

    As an MCA member and agent myself, I can say the benefits are real and are being provided to members who need and request the services on a daily basis. Yes, there are affiliates/agents that lead with the income opportunity rather than the benefits. But it still doesn’t make MCA a scam.

    Complaints of grudges against a company doesnt make them a scam either.

    The fact is that even the most established and well known corporations have many complaints and lawsuits filed against them. Many of which are frivolous. In business, it comes with the territory. It doesn’t make those corporations a scam. There will always be people who are dissatisfied with a product or service for numerous reasons. Again, that doesn’t make the company a scam. Its just the reality of the business world.

    A scam would be being promised a product and/or services and then the company or
    individual not delivering as they promised after accepting payment for them once or many times afterward.

    Motor Club of America has been around long enough to provide a service needed by many, and which is being utilized by those who are satisfied with it.

    I also don’t believe it would make them a scam just because they don’t have a fancy website and/or corporate offices in high rise buildings. There are many legitimate and successful companies and individuals operating home based businesses.

    Without the costly overhead, they are able to pass the savings on to their reps/agents, can provide reliable and consistent service, and are able to pay their agents great commissions for acquiring customers who might need the services.

    Perhaps, a better way to find out if MCA is in fact a scam would be to contact them, not an affiliate, directly, ask questions, and try the services yourself to see if they do provide what they say.

    You would be in a better position to criticise the service(s) from a personal point of view rather than from hearsay and/or negative comments which may or may not be from a competing or rival company’s members.

    I mean, even if you had the basic membership and only used it for towing or lockout service, would you still consider them a scam if you received the service you requested through MCA?

    If MCA did not provide you with any one or more services from their list of benefits, then you would certainly be justified in your honest criticism of the company.

    But not before then.

    One more thought. Perhaps, you could get feedback from those who have successfully utilized the services, but are not marketing the MCA income opportunity.

    Thanks for allowing comments.

    1. Jennifer Post author

      Yes, the benefits are being provided, but some of them are not guaranteed and their service isn’t one of the best, and for the price they make people pay, it should be. 99.9% of MCA “members” are TVC affiliates making it a recruitment-driven pyramid scheme. 51% of sales have to be made to the general public to comply with FTC guidelines.

      If MCA wasn’t a scam, why did they use a stolen testimonial in their promotional video? Deceptive marketing is being used to recruit people and make them think it’s $40 to get started with their own business, but trick them to sign them up with overpriced insurance.

  16. jacob

    I find it funny your trying to put down mca and do that by promoting your own affiliate program i have been in mca for 2 years now and i literally knew nothing about marketing and things like that and now I’m living in a 4 bedroom house with 3 cars all because of mca, i have used my mca benefits many times also mca has been in the news. i just used my mca benefits yesterday to pay my hospital bill and occasionally help people on the side of the road with my benefits this whole story is sketchy not a lot of proof everything hear is not true at all. good luck but i recommend not calling other things scams just so you can get people to sign up with you and your program. ha what a joke

    1. Jennifer Post author

      I find it funny how former MCA representative DeLorean can’t explain why only his king size bed can fit in his ‘$600,000’ house. The only one making the news is him.

      With impersonation, copyright infringement, business scams, violent threats, and the luring of people into business scams, DeLorean has caused the outcry of thousands to the social media site.


      1. Lauren

        That is someone that used code and created a fake signup page that rerouted the signup fee to his paypal account all while using the MCA likeliness/conent and their business opportunity. That does not solidify MCA as a scam. He is a scammer in general but not the company.

        1. Jennifer Post author

          True, there are reps like that, but MCA is still letting their reps make exaggerated income claims without providing an income disclosure.

  17. Sean

    It’s an MLM. Empower Network uses the same situation, except they only sell blog space. Empower network was able to convince several of my friends to join. People of reasonable intelligence. They are selling a fallacy, an illusion of grandeur, and making sure to cover their bases by discrediting naysayers as… people who can’t rise to the opportunity. It’s a powerful sales fallacy that is used to grab impulse decisions out of non-impulsive people. By creating doubt or trying to convince you that in order to be a wealthy person you need to take risks that nobody else does.

    here’s the thing about MLM companies. Eventually…someone is going to get screwed. If the entire population of the world decided to join, over 50 percent of them will be on the bottom of the sales matrix, making pennies, and there will be nobody else to recruit to help them gain more money. So what is going to happen? These people are going to cancel their memberships, and stop paying monthly because it will be costing them money.

    If you think you are the best salesman in the world, if you think that you can be the top scam artist in a group of scam artists…go for it. Other than that, you’ll find profits are easier made by providing legitimate services to the public.

    I still don’t understand why it’s called a pyramid scheme. A pyramid requires a solid foundation. These schemes just have a top, collecting money while people try to stack themselves up at the bottom and fall over each other when everyone who they recruited realize that they are spending more than they are making, or give up because it’s too difficult to sucker people into joining below them. It’s more like a series of pullies, where the man on top gets lifted up, and the people on the bottom sink together, and their efforts only keep themselves from falling as fast as the others.

    1. Jennifer Post author

      Empower Network is based around you selling the scheme to others. There is nothing special about their blog. People will be tied to the domain which is seen as spam by Google, they will be forced to promote EN and they won’t own any of their content. People are better off starting their own website based around their interests.

      Nice comparison and analysis Sean and thank you for your comment.

  18. Prtzl

    If someone, anyone not just this poster, devotes an incredible amount of time attacking a particular company, alleging fraudulent business practices, pyramid scheme etc., what’s in it for them? Why are they so interesting in spending their precious time attempting to derail a business rather than using that time to promote their own business opportunity? Could there be a link between actively marketing the assailants business while attacking the other?

    WIIFM – What’s In It For Me(The original poster)? No one acts out, good or bad without a motive. What’s her motive? Surely you don’t believe she’s acting as Mother Theresa trying to save humanity form the evils of MCA? You’re not empty headed readers, researchers and buying her ‘do gooder’ angle, are you?

    There has not been one legitimate truth to MCA being a pyramid scheme on this thread. Not ONE.

    To become a referral agent with MCA/TVC Pro etc, you do NOT need to purchase a membership of any kind. There is NO monthly ‘auto withdraw’ to refer/sell any type of membership within the MCA/TVC/ProDriver umbrella – None.

    Is there a Matrix plan(residual) where referral agents can capitalize on their earnings by building a team of customers? Yes. When an individual purchases a platinum package they are a customer. Their is NO DESIGNATION of being a ‘referral agent’ – one is purchasing the product line. Period. Will another Platinum Membership holder reap legitimate residuals from the purchased membership? Yes. Is there more than one level? Yes. Is this illegal? No.

    This is ‘PRODUCT BASED SALES’ – ASSURANCE SALES .. A BENEFIT SPECIALIST IF YOU WILL. This business model is similar to any other Insurance company who get’s ‘residuals’ off of purchased products.

    I had a god laugh when the author of this post, who’s peddling her affiliate program, says her company is legitimate because it only has “one level”.. I’m not doubting the legitimacy of the company but having more than ‘one level’ within these product based memberships which creates over rides and residuals are a common practice within the benefits industry. Please point out the illegality with this pay structure. Be specific – save the emotional rants.

    Does the author believe there are better options out there for towing, prescription, car rental, and travel savings? OK. Does the author believe the legal assistance isn’t comparable to what someone can find with a private attorney? OK. Does the author believe some of it’s independent reps are misrepresenting the facts? OK. Does she think MCA isn’t legitimate because it doesn’t have an “up to date’ website -? OK.


    So t begs the question — why is mother Theresa of the business world attacking MCA on an online forum? Why? Simple my friends – follow the money. She’s using attack marketing to build her brand(sad-ultimately VERY INEFFECTIVE way to do it.)

    As there should be authorities over seeing true pyramid schemes, there should be authorities to prosecute those who falsely accuse and slander legitimate marketing arms for businesses as illegal. This poster should be held accountable. I would bet my house(s) and my family’s, a Direct selling attorney would wipe her out cold and charge her with slander.

    but the poster isn’t swimming with the sharks as she’s baiting the weak and ill informed on here.. she’s feeding the tadpoles.. She’d be eaten alive already otherwise.

    WIIFM – poster? Potential $$ for you. Trying to build your”one level”..? Sinister way of doing it, wouldn’t you think?

    For those who take the poster at her word, is this someone you would want to align yourself with when considering starting a business? Wouldn’t you rather be aligned with someone who’s concentrating on building her brand in an ethical, moral manner? Is this who you want to learn from?


    1. Jennifer Post author

      Even if it’s free to “sign up” for MCA, if there are minimum volume requirements to advance to higher levels or commissions it means you’re paying to play.

      Unless members are referred, nobody would make money. In MCA’s case, the majority of their “members” are also TVC affiliates, meaning it’s an endless chain recruitment. People are joining because of the business opportunity and not the inflated and inferior service.

      They pay overrides to affiliates rather than from sales to the general public.

      When the compensation plan is more than five levels, it is meant to enrich those at the top while scamming those at the bottom.

      Sinister are the MCA reps misleading people and then promising to help them people after they pay their $40 and they don’t.

  19. Anthony Boone

    Hello Jenn, I gotta say, you must be part of a illumiatti group. To worry about what one entrepreneur company does to promote it’s products, is simply a waiste of typing time. There are so many cimpanies out there that used to seem like a scheme, that has now gone mainsream in the fortune 500 genre. Why waiste your time trying to tell people to give up, don’t try, or Stay broke. You are not a “people helping people person.”

  20. Anthony Boone

    M.C.A. is a great idea to help Americans in these bad economical times. More college grads are out of work and can take advantage of m.c.a. to move on in life. A stay home mom/dad can make a lot of money and pay bills or buy things. So make money America this chance may not come to you again!

    (URL removed)

  21. Lysa

    I have MCA as my roadside assistance program, I left Allstate’s roadside assistance program for them. I have to say they are not a scam. I have been with them for about 5 yrs now and my membership has paid for itself many times over. I have always received courteous, prompt service from them when needing roadside assistance. They even paid $500 to me for an accident which I had to go to the ER for, that wasn’t even a car accident 3 years ago. Plus they are getting ready to pay me $500 more for a car accident I was in 2 days ago and seen in the ER for. That is just one of the many perks beside roadside assistance you get with MCA. Although I do not promote MCA online, I must say that I do enjoy the perk of getting $80 for the referral of someone I know. As a matter of fact, I will be getting one Friday. They always pay. I would not suggest doing this as a “job”, but using this as a motorclub membership and enjoying a referral bonus from time to time or however much you choose to promote it, is great!

    1. Jennifer Post author

      Motor Club of America is not #1. Top Ten Reviews named AllState as the best and they have a $52 offer for new members, making MCA about two to five times more expensive. In fact, MCA wasn’t even mentioned and I have never heard of this company. Without the income opportunity, nobody would become members making this a product based pyramid scheme.

  22. David

    If MCA wasn’t a scam, why did they use a stolen testimonial in their promotional video? Deceptive marketing is being used to recruit people and make them think it’s $40 to get started with their own business, but trick them to sign them up with overpriced insurance.


    You’ve been bashing MCA for the longest saying it’s a pyramid scheme, it’s a scam, its more expensive than AAA; they stole testimonials, yada, yada, yada. Lady, you sounded like an old broken 45 r.p.m. record everytime the needle skipped.

    Let me tell you this: Ever since it relaunched in 2011, tens of thousand people promoting MCA not only made over millions of dollars in commissions, but signed up over 2 million+ members enjoying over $150,000 worth of benefits. So, to responded to your accusation that MCA is a pyramid scheme, is just bunk.

    Also, you said MCA stole a testimonial video. The company did no such thing. Granted that some of the MCA reps used a testimonial video from an NBC affiliated station in Philadelphia promoting MCA’s competitor, National Motor Club, but did you know that many other reps made testimonials of members using MCA services to prove beyond the shadow of doubt, that it’s services is real.

    Finally, Jennifer, you keep saying MCA is more expensive than AAA. That’s because our services is more valuable than AAA. MCA offers UNLIMITED roadside assistance 24/7/365 compared to AAA best services which you only used 4x a year. In other words; it’s like comparing a Chevy (AAA) to a Bentley (MCA).

    I understand that this is your Soapbox, and you’re entitled to your opinion. However, I wanted to set the record straight that you don’t have your facts straight about MCA and its going anywhere soon.

    1. Jennifer Post author

      I will say it again that MCA affiliates used a testimonial from National Motor Club after talking about how much loads of cash and the luxurious lifestyle you can have being a member of Motor Club of America right in the YouTube video I have embedded on this article from 3:05 to 4:22 to be exact.

      If Motor Club of America’s services are so valuable, why didn’t their reps use their own testimonial to promote their uncompetitive insurance?

      AllState is only $52 a year also with a 24-hour toll-free emergency road service.
      Their roadside assistance includes road & tow service, a dispatch guarantee, fuel delivery, lockout service and tire change. You can also get up to $750 in trip interruption bebefits and member-only discounts on travel, shopping, ect.

  23. Carlos

    MCA is clearly a scam and if you are fooled by the reviews from MCA members you need to do some more homework . Screw this company and AAA will always be the best bet . No one should ever have to make money and then pay it back because someone had a change of heart . Funny they flood YouTube with the videos with the words scam in the tittle , but it’s clearly a trick . I support Jennifer like you clowns support MCA . Great job and if you are looking for an honest review she has it 100% with facts . MCA just another bullshit company .

    1. Jennifer Post author

      Yes, they use terms like “scam” of “the truth about” to make people click to their video or website. Thanks Carlos. 🙂

  24. Lisa Caprese

    You are 100% correct it is a scam. I paid for the service. Could not get in touch with anyone when needed after a few months. When I finally did it was some ghetto sounding person who didn’t even know how to answer any of my questions and kept telling me to go to some weird website. After some research, there are so many people “selling” the service, making up their own websites, but no one who is actually “using” the service that I can find. But I did find complaints about the service itself. I found Rodney Walker online and asked him about the service and he treated and spoke to me like I was some dumb person. I couldn’t believe it. He was trying to sell me how wonderful the company was instead of answering my specific questions but kept saying to refer back to his website. This is all selling and personal websites and no actual service. I hate to say it but this reminds me of Bernard Madoff.

    1. Jennifer Post author

      For a company that claims to be around for more than 80 years, they are very unprofessional. Sounds to me neither Rodney or that person knew anything about the service- they both point you to their websites so that website does the selling for them. This is to prove that the majority are reps are in it for the business opportunity, not for their supposedly superior roadside assistance and benefits.

  25. Lisa Caprese

    Some of these replies defending Motor Club of America are probably from Rodney Walker and/or “associates” selling the service. When I researched this company and came across his name….people were saying some of the positive comments for Motor Club of America were from the same IP address as Rodney Walker, but under different names on a few websites and blogs addressing if this is a scam.

    1. Jennifer Post author

      Yes, one example of that would be David and Lisa commenting here. MCA reps are some the most defensive I’ve ever seen. They’re all over the Internet.

      1. anthony S

        Glad to see people are were still commenting. I can’t believe you put this much effort into a report to say it will pay you and it’s a scam. Have a crack at this readers:

        If I open up a company and i make 38.8 million people (the population of only California) pay 15$ a month for the services my company offers. I’ll make 582,000,00$
        If you and five of your friends helped me to make that money all year, by getting more customers or doing customer service, and i paid each of you 1,200$ a week for your work I would spend only 374,400$ paying you. If you’re seeing alot of people on facebook showing their MCA memberships and money, stop playing around, and get yourself in the game today before they decide to stop.

  26. John Doe - Proud MCA Internet Marketer

    Ive been with MCA for over 2 years and I make normal annual salary by the end of the year, and I get a tax return. Im not understanding why so many people think its fake? Is it just because you can make a lot of money? I just dont see how its fake. Ive had nothing but success with MCA since starting with them. You dont see people calling AAA a scam so why call this a scam? LOL MAKES NO SENSE do your research and some interviews with actual sales reps before posting a blog post that makes you look “un-intelligent”. By the way, Im a professional web developer and hold a bachelors degree in computer science as well. So I take offense to anyone who says if you sell MCA, your not very smart. Id like to see you program an entire full scale web application using multiple technologies.

    1. Jennifer Post author

      Just because you’re making money with it, doesn’t mean others will. Since AAA is not an MLM, it’s not a valid comparison.

  27. Edgar

    Hello Jennifer,

    I was reading one of your comments that one guy posted. He said there is a website for mca So I looked it up and it looked legit. I called the 800 number and it kept leading me to the same person after trying the different options in their automated service. After trying multiple times my number was blocked. Now tell me how does a automated 800 “number” block a call? That tells me that this website wasnt legit. And the so called 800 number was a personal cell number. I also looked up so youtube videos and one guy named William Britt. He is talking about how it isnt a scam and he supplies a number for roadside assistance. I called the number from the so called website and it did lead me to a road side. Also the number that William Britt gave lead me to the same road side. How is it that there is to different numbers?

    1. Jennifer Post author

      Thank you for sharing this Edgar. is owned by Rodney Walker. Due to the scam reports, TVC Matrix now has an official website for MCA and that’s It seems to me like MCA reps are paying to have their own 800 number and forward it with sites like

  28. KnowYourFactsFirst

    Excused Me, but you people kill me trying to talk about MCA, I’v Been a Memeber For 3.5 Yrs, and if we are a Scam, then why do they give Discounts of my Prescription every mo. NEVER SEEN A SCAM DO THAT, also when i need towing they always come, NEVER SEEN A SCAM DO THAT, and they even pay for my Traffic Ticket, NEVER SEEN A SCAM DO THAT, and you will Never See MCA Advertise the Tradtional way, because they take that money and pay their memebers to Advertise by Word of Mouth ( the best way to advertise) and cost less, then a TV commercial . I have a Real MCA Card and use it when ever i need to, with all the Jam Pack Benefits that it Carries, so you need to Get your Facts Straight before you try and put a Company down,…Just because a Company does business in a smarter way then others, that does not make them a Scam.

  29. Nikki

    Long long comment. I need to rant out about this MCA stuff.

    I was searching more about MCA on their benefits & then I come across this. People who earn money with MCA of course will get defensive, because you are putting down our company down, saying it’s a scam. Hurting us to make your company look good. We are trying to earn money. How would you feel if someone bashes your company saying it’s a scam when you are trying to earn money? As a MCA rep, it is not a scam. The services are real & you can earn money by recruiting. It helps a lot of people out in college, etc.

    You talked about a man using a clip from the National Motor Club to talk about the benefits & membership. Then you talked about how they how they don’t have no official website. If they don’t have a official site, then they don’t own any videos. The man is working for MCA as a sales representative who is trying to make a sale. Some do poor jobs & use anything to make a sale on their own end. Was it under Motor Club of America channel? The official one. I dislike how you are trying to make the company look bad on this.

    However, I dislike how MCA reps show off their money on social media & treat this like a hiring job to people than sharing benefits with people. That seems like they only care about the money than sharing benefits with people to help them & make their lives easier. Plus, they show people they earn this much money this week by this many dollar bills, yet they could saved up, and took a picture. When they say you can earn over $1000 in a week or something. It seems like it isn’t realistic. When it comes to that, it is all about how hard you work on marketing yourself. I don’t see many members promote and share MCA by their benefits.

    I don’t do that. I am sharing the benefits with people. I was going to make a graphic for the memberships, so people could see what each membership offers for it’s price. TVMatrix (owner of MCA), their site for associates where we can check out our sales, and stuff. They have a page of all the memberships, but little more detailed about the benefits than what the free associate site we get when we begin. On TVmatrix site, The Security Plus membership said it offers Legal Services. I checked out Total Security membership, it didn’t say it on there when it should. It is under on the on my free associate site. I dislike that. I also dislike how on TVmatrix site, under Total Security membership, they list all the things they do for the emergency roadside assistance. The last thing they listed was “And more!”. They should be more specific what makes the membership stands out along the other memberships. They only using that, just trying to sell. In that same section, they talked about Motorcycles, RVs & trailers like it can only be used for this membership. Motorcycles, RVs & trailers can use one of the 3 memberships.
    I DISLIKE how they are not detailed enough. They should be mentioned under each membership what kind of motors are acceptable. ……..To myself, I’m not using this TVmatrix website to show people the benefits. It’s NOT GOOD for me. I’m a detailed person.

    Security Plus VS. Total Security is the same thing, the only difference is the referral program is under the Total Security membership one. It cost about $10 more.

    If someone has an interest to join, you have to choose your sponsor wisely. Some are not good sales rep, may take your money & leave. Not help you at all. Find someone who you think deserves it. Ask other people that he/she is recruiting (they welcome new members when they recruit someone) .. what they are like. Do some research. Look at their profile & all. This goes for ANY company that is recruiting. Training is basically watching tutorial vids on the training site. It is up to you to do the work & do the research on marketing. They say they will help you, but some people don’t. They are too busy with doing their own thing -making sells. Some of them will say, “Watch the training vids” …
    Some people when they are trying to recruit people, some will be like “Stop making excuses.” when they talk about they can’t afford to pay $39.90 to refer people. Some people need that money for car payment, food, etc. Those are some of the things I have seen lately.

    Another thing, I haven’t made a sale yet. Some members said I can join their team to help me get started because my sponsor is gone for a bit, but guess what other sponsors want? MY MONEY. You think they would help a person out who is working in the same company as them than doing than that crap. I already paid $39.90 to earn money. Why would I want to spend another $39.90 to earn money? You don’t have to keep paying for the total security membership when 2 months is over to earn money.

    I’m thinking about stop doing this MCA stuff. Try to find a different company & promote their benefits/products. Pretty much it’s hard when it doesn’t have an official site & stuff. That’s like no one will believe it’s a true motor club.

    Is it a scam? I don’t think it is. The services are real. People just need to stop treating it like it’s something to hire people & flashing their money around on social media, start sharing/promoting the benefits to people to show what MCA has to offer.

    1. Jennifer Post author

      They do offer overpriced roadside assistance and they’re not even listed as one of the best. If the majority of sales are being made to the representatives themselves, that’s when it falls of being a pyramid scheme.

  30. ericka

    Can someone tell me where I need to go to become a free associate of Motor Club of America? If I join free can I still make the same amount of money the members are making what I mean is is the commission plan the same

    1. chandler

      You can join for free just by going to their site, you’ll be paid based on the plan you sell. Like the 39.90 plan paid $80, 29.90 plan you are paid 60, 19.90 you are paid 40. So yes you can

    2. Jackie

      Ericka, you can join either, if you don’t want to sell you don’t have to, I joined 2 yrs ago because I have 5 cars and wanted to protect them , you know unexpected things can happen, youre left out on the highway at night, battery dead, or no gas, locked out, MCA has your back, Ive used all of these services. So you cant get the benefits for free, these cost $20 a month, now AAA has a lot of these services but much more expensive and adds on more money the more people you put on the acct. In MCA towing and all services is unlimited, but not free, now to sell, I joined this year and it didn’t me anything I just told my sponsor and I registered as an associate. And in a certain way yes it is a multilevel marketing business and you can grow your own team, help them out. Compensation plan is the same 80 dls. per referral.

  31. Lance

    Why does everyone that promotes wealthy affiliate call every other company a scam? It’s ridiculous is that the “training” you get when you join with WA to call every other company a scam to get results? MCA is a great company and opportunity. You clearly have no idea what you are talking about at all.

    1. Jennifer Post author

      No, far from the truth. We are taught to help people by researching a product and forming our own opinions.


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