TVCMatrix Review – MCA Review: Is TVCMatrix a Scam

What is TVCMatrix.com?

tvc-matrix-scamTVCMatrix.com is the online home of TVC Matrix, which acts as a sales associate branch of the Motor Club of America.

  1. Affiliates for TVC Matrix sell memberships for a third-party vendor by the name of Motor Club of America.
  2. Motor Club of America (MCA) is a subscription-based roadside assistance service
  3. MCA offers their members a variety of services including emergency road service, towing, travel planning and assistance, stolen vehicle reward, accidental death insurance benefits, legal fees, and more.
  4. It appears MCA is owned and operated by Virgil Coffee.  Mr Coffee is also the apparent owner of TVC Matrix.

The TVC Matrix website indicates that there are three main plans to choose from when you sign up with MCA:

  • Security Motor Club – $9.95/month
  • Security Plus Motor Club – $14.95/month
  • Total Security Motor Club – $19.95/month

TVC Matrix claims they partnered with MCA to offer a business option for their members.  The business option is a Multi-level payout scheme for the recruitment of new members.  The website states –  “and it won’t cost you anything other than the purchase of an MCA membership”.

A monthly membership to Motor Club of America (MCA) appears to be required to participate in the TVC Matrix compensation plan.  The lowest level package costs $39.90 – which is equal to two months’ membership up front, and will pay out $80 for every membership sold. The next level package costs $59.98, and pays $120 for the recruitment and sale of a new membership.  The final level costs $79.98 and pays $160 for the recruitment and sale of a new membership.

TVCMatrix.com at a Glance

Company: TVC Matrix acts as a sales associate branch for the Motor Club of America (MCA)

Founded:  There is no information on the TVC Matrix website indicating who runs or owns the business.  The domain ‘tvcmatrix.com’ was registered on the 14th February 2005 and lists ‘TVC Marketing’ as the domain owner, operating out of the state of Oklahoma in the US.  The name ‘Virgil Coffee’ appears as a signatory and appears to be the founder and CEO of the company.

Price to join:  A monthly membership to Motor Club of America (MCA) appears to be required to participate in the compensation plan.  The lowest level package will cost you $39.90, which is equal to two months’ membership up front, and will pay out $80 for every membership sold. The next level costs $59.98, and pays $120, and the final level costs $79.98 and pays $160.

Do I recommend? No! The focus is on recruitment and there is an alarmingly suspicious lack of transparency in ownership and information available on the website.

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The TVCMatrix Compensation Plan

TVCMatrix Review

Affiliates for TVC Matrix sell memberships for a third-party vendor by the name of Motor Club of America.

Motor Club of America (MCA) is a subscription-based roadside assistance service

MCA offers their members a variety of services including emergency road service, towing, travel planning and assistance, stolen vehicle reward, accidental death insurance benefits, legal fees, and more.

The TVC Matrix compensation plan is not well laid out or explained on the company website tvcmatrix.com.  Initially, MCA did not have a website at all, but they have recently listed: motorclubofamerica.com.

There are a number of websites that appear to officially represent MCA, but turn out to be affiliates.  These representative sites give the appearance of dealing directly with MCA until one investigates a little further or reads the fine print. Here are some examples of these types of websites:

  • motorclubamerica.net – Rodney Walker
  • mcamotorclubofamerica.com – Justine J Allen DBA CCB Marketing
  • motorclubamericaof.com – This is not a TVC or MCA Website. This is an anonymous personal site.

What about Claims of Advance Commissions – $80?

These affiliate sites consistently claim you can earn a 200% or so commission upon signing new members, either to MCA, SBCA or TVC Pro-Driver.

Membership to MCA seems to be sold with two months paid in advance.  Meaning, when members sign up they pay for two months membership upfront.  This up-front fee is then credited to whoever is responsible for recruiting the new, paying member.    For example, if you recruited a new MCA Total Security Club Membership member, they’d pay $39.90.  As the recruiter, you would earn $79.80 in upfront commissions.

The problem with this is that $80 is an advanced commission payment.  It is paid assuming the new recruit will complete the full year of membership to which they have just subscribed.  If the membership is cancelled, the commission payment will be withdrawn.

Advance commissions are paid only when a new recruit establishes a recurring, monthly subscription to Visa, MasterCard, or Discover credit cards, or recurring electronic fund transfers from personal checking accounts. If the new recruit cancels their membership before the year is up, the recruiter is subject to a chargeback for the commission that was paid in advance on an unfulfilled membership.

What are TVCMatrix chargebacks?

When a member cancels their membership and an advance commission was paid on the original sale, a commission chargeback is triggered.

  • The amount of the chargeback is the advance commission minus the earned commission on that membership.
  • The chargeback is deducted from commissions for the sales week.
  • Full membership refunds are classified as a “no sale” and the entire commission is deducted from that sales week’s commission payment.

MLM Payments

Additionally, recruiters earn $6 for each member recruited by their own personal downline and 66 cents for each member in the entire downline.  Downline refers to members personally recruited, then to members they recruit and so on and on down the line.

Joining TVCMatrix

Membership to TVC Matrix itself appears to be free.  However, in order to participate in the compensation plan you have to purchase a membership to MCA. This is a recurring subscription type membership that will set you back $19.95 a month, for as long as you choose to participate.

To receive all of your commissions and bonuses you need to be an ACTIVE ASSOCIATE with an ACTIVE PERSONAL MEMBERSHIP, with an on-going payment method, worth $19.95 per month or more.  The MCA Training Manual states:

Earned Commission: Associate’s earned commission pays back their debit balances based on collected funds. Anything that is sold “as-earned” and never advanced, is paid “as-earned” for twelve (12) months as long as you are an ACTIVE ASSOCIATE. Once your debit balance is zero, all earned commissions are paid to you, as long as you are an ACTIVE ASSOCIATE with an ACTIVE PERSONAL MEMBERSHIP, with an on-going payment method, worth $19.95 per month or more and you qualify with 36 PGV the previous month, or you have qualified for vesting as National Training Director.

To advance, you need to recruit new members…

National Training Director: Associate who in any one calendar month has 36 or more PGV, an ACTIVE PERSONAL MEMBERSHIP, with an on-going payment method, of $19.95 per month or greater and who have 20 or more qualified 1st generation Executive Directors with 36 or more PGV in that same calendar month, qualify as a National Training Director. National Training Directors are vested for earned commissions and overrides and never have to re-qualify for earned commissions and overrides, as long as they keep an ACTIVE PERSONAL MEMBERSHIP, with an on-going payment method, of $19.95 or greater in Force.

Does MCA Offer a Legitimate Product?

MCA does offer a legitimate product. But, they are charging over twice the yearly rate of AAA, Good Sam and Allstate Motor Club. Is the extra expense with MCA worth it or even necessary for someone looking for just towing?

MCA vs AAA

In the motor club industry, AAA is a well-known option. It’s considered a household name across the country and a trusted name in roadside and travel assistance services.  If you’re simply looking at pricing, AAA is less expensive on all levels. If you look deeper, you’ll see some differences.  But, after comparing plans, AAA roadside assistance appears to offer the best value to the buyer, especially with its basic plan.  The AAA Classic plan costs $56 a year, which is about $4.66 a month.  This is less than half the monthly price for MCA’s basic roadside assistance plan.

MCA vs Good Sam

Good Sam Roadside Assistance’s most notable feature is its unlimited towing.  Most roadside assistance services have limits set between 5 and 100 miles or only reimburse you for the money you spend.  In addition, Good Sam offers unlimited flat tire repairs, jump starts, fuel delivery and locksmith services. Good Sam is it’s one of the more expensive services in the industry, yet it’s most expensive plan is cheaper than the basic Security Motor Club plan offered by MCA.

The standard Good Sam plan costs $80 a year, or just over $6 a month. The Platinum plan costs about $115 a year, or $9.50 a month.  This is in comparison to MCA plans that cost $9.95-$19.95 per month.

Good Sam’s unlimited roadside assistance comes with both plans. Both levels also cover all your vehicles and family members, unlike other services that require you to pay extra to add more people to their plans. Good Sam’s Platinum plan includes discounts on hotels and rental cars.

MCA vs  Allstate Motor Club

Many believe that Allstate Motor Club provides the best roadside assistance service overall.  This is because of its affordability and strong collection of services and benefits. You don’t even need to be an Allstate policyholder to sign up – anyone can join.

The Roadside Advantage plan is the most basic option, and it is one of the most affordable plans available. It costs $52 annually, or a little more than $4 a month. This plan includes $100 worth of roadside assistance.  For example, Allstate dispatches assistance and reimburses you for up to $100 of the cost if you get a flat tire, need a tow, get locked out of your car or run out of fuel. This is a straightforward benefit.  Most offer free towing for a limited number of miles, rather than reimbursing you for the amount you pay.

The Platinum Elite plan costs $99 a year, or about $8 a month. That’s about $20 less than the lowest priced, basic Security Motor Club plan offered by MCA.

The Platinum plan includes over $250 worth of reimbursement, so if you need a longer tow, you’re covered for it. In case you get in an accident far away from home, Allstate provides a trip interruption benefit, which provides up to $1,500 toward food and lodging while your car gets repaired.

MCA vs AARP Roadside Assistance Plan

AARP offers two programs to choose from: Road ‘n Tow, which costs $58 a year, and Premier, which costs $74 a year.  Both of these plans are cheaper than the basic offer from MCA.  However, You need to be over 50 and a member of AARP to join the AARP Roadside Assistance program.

Is TVCMatrix and MCA a Pyramid Scheme?

Not all multilevel marketing plans are scams.  However, not all MLM plans are legitimate either.  According to the US Federal Trade Commission 

“If the money you make is based on your sales to the public, it may turn out to be a legitimate multilevel marketing plan.  If the money you make is based on the number of people you recruit and your sales to them, it’s not. It’s a pyramid scheme. Pyramid schemes are illegal, and the vast majority of participants lose money.”

Membership to TVC Matrix itself appears to be free.  However, in order to participate in the compensation plan you have to purchase a membership to MCA. This is a recurring subscription type membership that will set you back $19.95 a month, for as long as you choose to participate.

“To receive all of your commissions and bonuses you need to be an ACTIVE ASSOCIATE with an ACTIVE PERSONAL MEMBERSHIP, with an on-going payment method, worth $19.95 per month or more.”   MCA Training Manual

From their own published information, TVCMatrix – MCA’s compensation plan is geared towards paying a monthly subscription fee and recruiting affiliates who do the same.  This is the bare minimum requirement to earn commissions.  This makes TVCMatrix a “pay to play” recruitment scheme.  All affiliates have to pay $19.95 each and every month to earn commissions – and recruit others to do the same thing.

MCA Service Plan vs MLM Scheme

On one of the MCA websites, this statement describes how MCA is promoted:

At MCA, thousands of customers are now earning a part time or full time income referring others to join our Motor Club. Unlike most Motor Clubs, MCA invest 100% of it’s advertising cost directly into it’s members. MCA does not invest in radio, television, print, or internet advertisements. Word of mouth advertising is the chosen format and it makes our customers happy to have extra income coming in by simply sharing our benefits with others.”

Are customers signing up for the service or the MLM recruitment scheme?  In a video, a top MCA representative was asked about how many customers he has that are buying MCA just for the service.  His answer sums it up exactly “I don’t know, and I truly don’t care.”

TVC Matrix – MCA Motor Club of America:  Scam or Legit?

  • In my opinion, MCA offers an expensive roadside assistance plan that would be difficult to sell.
  • Their business opportunity is essentially a recruiting scam.
  • You are required you to purchase MCA’s premium monthly plan and recruit others to advance in rank and earn commissions.
  • The majority of money available in the MCA business opportunity is from overrides generated by your recruited team.
  • Many MCA representatives make income claims with stacks of money in front of them without an income disclosure. This is against FTC guidelines for promoting a business opportunity. Without an income disclosure there is no way to know how much new representatives are actually making with MCA.
  • The FTC estimates that 99% of MLM participants lose money.

I would avoid the MCA business opportunity.  I would also not pay for roadside service that is twice as expensive as competitors offer.

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