Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I spoke to my recruiter ******** ****** numerous times before I joined *** she told me I would receive live transfers from customers I could sell life ********************** to she never once told me I would have to work my way up to receiving live transfers by calling on leads that were 6 months to 2 years old. So ******** lied to me and misled me to get me to join SLS if I had known that I had to work my way up to receiving live transfers I would never have joined SLS because that is not the type of business opportunity I am looking for and I would not have wasted my time or money. *** has deceptive business practices and she should have been honest with me from the beginning. I spoke to my so called coach ******** ****** and she did not acknowledge my feelings about SLS lead system and what ******** told me about the lead system instead tried to make what I was feeling about her which is not professional and I don't want to work with anybody like that I was also on ***** ******** team prior to ******** and I was moved from her team because she was not professional and I did not like the messed up way she treated me and I did not want to work with her. I mentioned my refund to ******** she told me to speak to ***** the manager he called me and I told him I was lied to by my recruiter when it comes to the lead system and if I was told the truth by ******** I would have never joined *** and he told me that *** won't issue a refund. Nobody I spoke to regarding a refund acknowledged I was lied to by ******** to join *** and that was the reason I spent my money and my time. I did not make any money while I worked with this company I lost money. I want a refund for the $99 I spent because SLS has deceptive business practices and I was lied to by ******** and that is the only reason I joined I never got the type of lead system I thought I would get when I joined SLS because the leads I called were not good and I kept getting hung up on all day. I need a refund for the $99 I spent.

  Business Response

  Date: 02/21/2025

  This complaint is false. This agent joined the agency, but was unsuccessful. 
  
  Prior to joining she signed a letter of commitment, which outlined the expectations associated with her position. 
  
  This was done, because once she accepted the position, hundreds of dollars were spent by the agency, on her behalf, for the administrative costs of onboarding a new independent contractor. 
  
  These costs include for example background checks, state regulated appointment fees, acquisition of E&O insurance, acquisition of CRM, customization of ***, acquisition of VoIP line, customization of VoIP line, among numerous other costs. 
  
  Her portion of these costs, paid mostly to third parties, was $99. She did not meet her obligations, but requested a refund. 
  
  We explained that for one, our expenses exceeded hers, and secondly, she signed a letter which clearly stated that the fee was non refundable.
  
  She notified us that she was going to contact her bank and the BBB in an effort to leverage us into giving her $99, which of course is her right.
  
  This complaint is that attempt. Her accusations of being misled are manufactured and were not heard until the request for a refund. 
  
  These false accusations however, do not outweigh her signed Letter of Commitment stating the $99 was a non refundable fee, and more importantly the recordings we have of all of the conversations Fallen had with ********. One of which where the lead program was explained explicitly, and the conversation directly contradicts what Fallen is saying.
  
  We will not be issuing a refund and are willing to host a zoom call with the BBB where we can share both a signed copy of the *** and the recording of Fallens interview.

  Thank you for the opportunity to respond to this matter.

  Customer Answer

  Date: 02/23/2025

   
  Complaint: 22837867
  
  I am rejecting this response because:
  
  Sincerely,
  
  Fallen *****

  Business Response

  Date: 02/24/2025

  Senior Life Services maintains transparency and fairness. The complainant signed a Letter of Commitment that clearly detailed the expectations, including a non-refundable $99 fee to cover administrative costs (e.g., background checks, insurance, CRM setup). Our recruiter, explained the lead system as confirmed by our call recordings, which outlined that live transfers require meeting performance criteria.
  While we regret that the complainant did not achieve the anticipated results, the signed agreement and documented communications confirm that all terms were understood and agreed upon. Therefore, we are unable to issue a refund.
  Additionally, we note that the complainant did not provide specific reasons for rejecting our previous response, which limits our ability to address any new concerns. We remain open to a mediated Zoom session with BBB to review the signed Letter of Commitment and the relevant call recordings.
  

  Customer Answer

  Date: 02/24/2025

   
  Complaint: 22837867
  
  I am rejecting this response because: The recruiter ******** did not tell me I needed to make 2 sales with leads that were 6 months to 2 years old before I would get live sales transfers because that is not the type of business opportunity I am looking for and I would not have wasted my time or money with sls. I had conversations with ******** and we text back and forth and I told her at first that I was not interested in sls because I was limited to selling in my residence state of ********* unless sls needed help in other states which is limiting since I am licensed in other states. *** has deceptive business practices and I shoud have been told specifically what criteria I would have to meet to get live sales transfers instead of just saying I have to meet certain criteria if my recruiter ******** was upfront with me and told me I need make 2 sales from old sales leads before I get live sales transfers I would have told her that is a deal breaker and would not have wasted my time or money on this type of business opportunity because it is not what I am looking for.  I thought I would get live sales transfers from day one and I am also a 15 year insurance professional so I am not working my way up to get live sales transfers that is ridiculous in my opinion and I have bills to pay I am not working my way up to anything I have already done that because I am a 15 year veteran insurance agent and would have not contacted ******** again about the business opportunity after I told her I was not interested in sls. Also ***** ******** the sales manager I was apart of her team before I was switched to another team because I did not want to work with her. I text her to tell her I was sick and her response was to just schedule a meeting instead of asking me if I was feeling better so she would know I could make the meeting I am not working with a person that does not care about my health and well being. Also I was not put into ******* training class when I was supposed to because ******** dropped the ball and did not give me the information when she should have regarding training. I was not even given the information regarding the team chat from ***** I did not get that information until I was switched to ********* team which is ridiculous and not a good way to do business and I believe ***** did not give me the team chat information on purpose. I did not like my last converasation with ******* I told her I was not working with the sls platform and explained why and she just told me sls was not the place for me and hung up on me. *** has deceptive business practices and the two manager's I dealt with ***** and ******* and my experience with them I don't work with people that do business how they do business. I am due a $99 refund because of sls deceptive business practices and the bad sales manager's I had to deal with. I had a horrible experience with sls and I will not recommend sls to anyone I know.

   

  Sincerely,
  
  Fallen Dixon 

• Initial Complaint

  Date:12/30/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Against my own better judgement, I recently decided to give Senior Life Services another chance with the exception that improvements were in place with this company. Despite being a licensed Agent you are charged $100+ dollars to access their platform, in addition to the miscellaneous weekly charges for leads, CRM etc. My issue is not with those charges or the low commission structure. The company claims you are not captive, but they cancel all other appointments, even those that are outside of Life Insurance. My most recent interaction with them ended because I had an emergency regarding my son and I had to turn off my camera during their training. I was removed from the class, which in my opinion was very insensitive considering. While I found that to be very distasteful, those are there rules. My son's health will always be more important than anything including their training. I was removed from their platform (which is to be expected) because if you move the puppet strings any other way then what they want all ties are cut. My complaint is regarding the $400 dollars they claim that I owe. I never used their platform, never got the chance to sell anything because I was tied up in mandatory training meetings and over hyped presentations. The mailing I received has no logical explanation for the so called $400 dollar charge back. A charge back is for policies that cancel, I never wrote any business so what exactly are you charging back. I am presenting this issue before this platform BEFORE I decide to go to the entities that give us all our licenses. As of the date of this complaint, I am unable to reach a human being by phone, so perhaps I will receive an answer here.

  Business Response

  Date: 01/03/2025

  Hello Anopa! We are sorry things didnt work out. We have reviewed your complaint and wish to provide some explanations and clarifications. 
  
  First of all, we always want to improve as an agency. If an agent has a question, we have both an obligation and a desire to provide a prompt answer. 
  
  Therefore,we took your concern seriously and searched diligently for unanswered communications. However, we were unable to locate any calls, emails, or texts concerning this matter prior to your outreach to the BBB. Not one.
  
  If it is not too much trouble, please forward any documentation you may have of this effort on your part. We do believe that you tried to reach us, but would love an opportunity to see when, where, and how you voiced your concerns. 
  
  That way we can either provide you more efficient ways to message us, correct any inaccurate contact information you may possibly have, or determine if some technology on our end is somehow blocking or redirecting your attempts to reach us.
  
  We appreciate you giving us a second chance. The letter you received about monies owed was just a reminder that you had unpaid debt from your first term with the agency. 
  
  No doubt you accidentally overlooked this, but you had policies which charged back. We informed you that you had accrued this debt months ago and have been patiently waiting since 2023 for you to satisfy this outstanding balance. 
  
  Since you have experienced recent frustration with our agency, please accept the following as an olive branch. 
  Your debt was scheduled to be forwarded to collection 12/31/2024. Instead, we are glad to offer you an extension of 90 days to pay what is owed and will delay further collection activity.
  
  Some final thoughts for your consideration: 
  
  Just so you know, yes there is a $99 start-up fee to cover your portion of the onboarding costs, however that is eligible for refund within your first eight weeks with the agency. You left so quickly, that you were unable to avail yourself of this benefit. 
  
  We do not charge for leads. There is though a $59 per week charge for your marketing tool kit, which includes E&O coverage, acquisition of non-resident licenses, origination and daily management of your customized CRM, provision of your VoIP line, servicing of your policies, and a host of other services. 
  
  Acquiring these tools on your own, unsubsidized by the agency, would cost a minimum of $700-1000 per month. Not only were you being provided these services at a significant discount, but you also failed to mention the $50 credit available to agents each week, that brings the net cost for all of the above services to only $9 per week. 
  Perhaps you were unaware of these charges and credits because they dont begin until your second month with the agency, and unfortunately you were with us for only a few days. 
  
  That short duration may also have impacted your ability to fully appreciate our compensation plan which includes chargeback protection and several bonuses and incentives. You mentioned for example, that we pay low commissions, which was something we arent used to hearing. We actually pay among the highest commissions available in the industry. 
  
  What perhaps you are confusing is gross commission versus net commission. For example,most organizations pay a 100% commission or higher, then recapture money from the agents by charging for leads & training, and applying the full weight of a chargeback immediately to the agents next commission check. 
  
  As opposed to us providing a turnkey solution at no cost and applying chargebacks to an agency account, for gradual remediation through future sales. This system actually is how you incurred your debt the first time around. You had a chargeback, we did not immediately apply it to your commission, then you left without satisfying that negative balance. Life happens though, we understand,so once you pay your debt, all the rest will be water under the bridge.
  
  Regarding your sons health, of course that takes first priority. We completely understand your attention being diverted under those circumstances and hope he has since experienced a speedy recovery. We are very sorry that you were offended by being removed from class on Zoom while you tended to your son, that was not our intent. 
  
  As you may recall however, everyone is notified at the beginning of class that cameras must be on during instruction times. If an agent turns the camera off for a brief moment to address some temporary distraction, that is of course not an issue. If an agents camera remains off for a sustained period, obviously they have encountered some situation that requires their undivided attention. Which is exactly what you were dealing with, although unbeknownst to us at that time. 
  
  Therefore,as you shared in your letter, you werent  paying attention to a sales training class, you were engrossed in the care of your son, as you should have been! 
  
  Also clearly though, you still needed to catch up on the information you had missed,so per protocol, you were removed from that virtual class, but eligible and encouraged to attend a makeup class. We are sorry that something got lost in translation on that. 
  
  Thank you for contacting the BBB with your concerns! 
  
  We would have preferred to assist you directly, but if you feel you attempted that without success, we would rather receive a complaint, than have an agent suffer in silence through some perceived injustice. While the debt you owe is valid,and we do anticipate a prompt resolution, we also value the opportunity we have had to answer your questions more fully.
  
  If have additional concerns or would like to make payment arrangements please email ***************************************************************************************************************.
  
  Best of success in your next endeavor!

• Initial Complaint

  Date:02/28/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had an interview with this company back in January of 2024. The purpose was to become a licensed life insurance agent with them. I went thru my pre licensing course and ultimately took the test with my state and was eligible to obtain my license in my home ***********. Upon reaching out to let them know I would be reviewing my license shortly they then let me know I needed to obtain reciprocal licenses in 8 other states! When asked who was paying for this they informed me I was responsible! At no time during the initial interview was this disclosed! The extra licenses were close to $1000. They are not transparent in their expectations upfront. I would have never agreed to going thru this process with them if the information were disclosed.

  Business Response

  Date: 03/16/2024

  Hello **************,
  
  Your complaint has reached our corporate office, and we are very sorry that you had that experience.
  
  Once we received your complaint we immediately looked into this matter.
  
  We assume the issue about non resident licenses stems from the welcome letter you received. We request that you review our clarification, then please take a second peek at that letter to see if our explanation today gives you a different perspective.
  
  Once you acquire your resident license and establish yourself as a successful producer in your home state, our agency actually pays for you to obtain additional licenses at no additional cost you.
  
  However, some agents feel that having additional licenses from day one gives them a competitive advantage. An agent is not eligible to have a non resident license sponsored by the agency without a proven track record. So some agents exercise the option to acquire non resident licenses at their own expense, from their initial start date with the agency. The letter you received explains how to exercise that option, if you choose.
  
  If this explanation is unsatisfactory or conflicts with the documentation you received please feel free to provide us any additional information, and we will be glad to continue to explore this matter. 
  
  Whether or not you join our agency we care that you feel you were deceived. Please dont drop this matter until you are confident that that is not the case. We await your response after rereading the welcome letter.
  

• Initial Complaint

  Date:08/09/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Regarding an incident that transpired involving my wife, and your company's representatives. I am appalled by the unprofessional and harassing behavior displayed during the course of this interaction.My wife received a call from an individual who seemed to have difficulty communicating in English. The language barrier made it challenging for my wife to comprehend the purpose of the call, and she was unable to ascertain the caller's intentions. To exacerbate matters, she was then transferred to a supposed senior life services insurance agent who claimed that my wife had initiated contact with them regarding their services. This assertion is entirely false, as neither my wife nor I have ever sought or expressed interest in your services.What is even more distressing is that subsequent to this incident, my wife has been receiving persistent calls from various random phone numbers. These calls are untraceable and impossible to return, leaving us with no means to address the ongoing harassment. It is disheartening to witness this type of behavior, especially when targeting senior citizens who are particularly vulnerable to such tactics.Please stop spamming people..

  Business Response

  Date: 08/15/2023

  Hello ******************,
  
  When we receive a complaint like yours it is of great concern to us. We are very sorry that you had such a negative experience. Unfortunately, though, we may have a limited ability to assist you, because the call you described did not originate with us.
  
  Our calls are recorded for quality assurance. Therefore, we immediately combed our records for the call you described. We do not have any calls to or from anyone in our organization connected to the number you presented. 
  
  In an effort to help, we did some additional research on your behalf. 
  
  First of all, although we are not calling you, your telephone number is not listed in the national do not call registry. This could explain why you are receiving such a high volume of unwanted calls.
  
  Another issue is this. You described an initial call that was virtually indecipherable,then remaining on the line to be transferred to a sales agent. Typically, the sales agent has no access to the conversation that takes place prior to a call being live transferred to them. Therefore, that was probably the disconnect with whomever you were speaking with. The initial call was designed to establish interest, the agent representing senior benefits would then assume that once you were transferred to them and participated in a conversation, you were confirming your desire to receive additional information. 
  
  Although you were not speaking to one of our representatives, this additional insight into the industry hopefully clarifies the misunderstanding you experienced.
  
  Everyone deserves respect. We again apologize on behalf of the industry that you and your wife experienced anything less than that. To reduce the probability of this happening again, you may want to consider enrolling in the National DNC program. If you do indeed need assistance acquiring life insurance for your family, we would be glad to help. 
  
  Please have a wonderful day.

• Initial Complaint

  Date:07/25/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Senior Life Services,I have been spammed relentlessly from third party calling companies hired by your company.I am writing this letter to express my deep disappointment and frustration regarding this company's unethical practice of hiring third-party calling companies to solicit prospective clients on their behalf. It has come to my attention that numerous complaints have been submitted to Senior Life Services over the span of several years, and yet, their responses have consistently been marked by outright denials, dishonesty, and baseless accusations against the complainants.To resolve this matter, I demand that Senior Life Services publicly acknowledges that they have indeed been utilizing overseas calling companies to contact potential clients. This alarming issue is compounded by the fact that these overseas calling companies often engage in spamming without any regard for frequency and persistently ignore "do not call" requests. By continuing to outsource their sales jobs overseas, they are indirectly contributing to the disturbance and inconvenience of countless individuals across the nation.I must emphasize that the slew of lawsuits and complaints filed against Senior Life Services over the years speaks volumes about the severity and frequency of this problem. Their persistent denial of these accusations and complaints does not the company from responsibility for their actions. Instead, it further erodes the trust and faith that customers place in their organization.I expect a prompt response acknowledging the validity of this complaint and a commitment from their company to cease hiring overseas calling companies for solicitation purposes. Their willingness to address these issues publicly will be instrumental in restoring confidence in Senior Life Services.Thank you for your attention to this matter.

  Business Response

  Date: 07/26/2023

  We have received several emails from ******************** and other aliases. We use the term alias because while the email is the same, and the general message is the same, the signature line differs. 
  
  An example of this is that in the most recent complaint to you, the email address is listed as ********************, presented by *********************. In the most recent complaint to us, the same message sent to you was sent to us, from the same email address, but signed by ******************
  
  This email campaign is accompanied by harassing phone calls and numerous replicated messages from other fictitious accounts.
  
  The complaint stems supposedly from calls received from this telephone number: *************)
  
  We can share proof of NUMEROUS communications indicating that the number in question is not affiliated with us in any way. Not first party, second party, or third party. Nor do we use robotic calls. 
  
  We have vehemently shared this fact to this individual or group of individuals connected to these complaints, so that they can direct their energies toward finding the true source of their frustration.
  
  Therefore, no, we are not going to acquiesce to the demands of ************ and further demand that he ceases his harassment of us and continued false claims against our company.
  
  Again, we sympathize with his pain, but we are not the cause of it. For this campaign to continue with this level of regularity, we remain HIGHLY suspicious of the source of these complaints. It appears quite simply to be a smear campaign orchestrated by a competitor.

  Customer Answer

  Date: 07/26/2023

   
  Complaint: 20373627
  
  I am rejecting this response because:
  
  I would like to express my strong disagreement with the claims you've made in your response. It is deeply concerning to observe your history of denying consumer claims and attempting to deflect them by labeling complainants as extortionists, rather than addressing the real issues at hand. Your evasion of the simple question of whether you hire overseas calling companies or not is disappointing.
  Your reliance on offshore vendors is troubling, and it's evident that you consistently avoid providing a direct and straightforward answer to this question. Instead, you choose to focus on unrelated matters and cast doubts on the legitimacy of the complaints.
  My elderly father was the first to be contacted by your offshore vendors, and after raising the issue with you myself, I began receiving repetitive spam calls as well. This pattern of behavior is not indicative of a company committed to transparency and customer satisfaction.

  I wouldn't dare to work in a ridiculous industry of targeting seniors with sales tactics, especially while partnering with companies from other countries, sending American jobs overseas to cut costs. It's disappointing to have experienced this first-hand when one of your overseas callers connected me directly to one of your insurance agents. Despite my knowledge of your actions, I am well aware that you will not confess to hiring overseas companies.

  Rather than acknowledging your offshore operations and addressing concerns, you continue to deny and evade the truth. It is essential for your company to be upfront and honest with customers about your practices.
  I urge you to stop dismissing the valid concerns raised by consumers and acknowledge whether or not you hire overseas calling companies. It is only through open and honest communication that trust can be rebuilt.
  Regrettably, I anticipate that you will once again refuse to answer this straightforward question, further eroding the confidence consumers have in your company. 
  

  Business Response

  Date: 08/08/2023

  ***,
  
  We have proof that you are submitting numerous claims, under manufactured identities. Therefore the history of responses you are referencing is simply us, responding to you, under your various guises. 
  
  The source of your complaint, according to the email sent to us allegedly by you,stems from a telephone call that you received from a telephone number and company that is not affiliated with our organization in any way. We have explained this to ad nauseam.
  
  We remain perplexed at why you feel justified in harassing us, and demanding admissions for things that quite honestly would be none of your business, even if we were the company who originated the call.
  
  The frustration you sense is that we tire of your false accusations and abuse of the platform afforded by the BBB.
  
  We have documentation to support everything we are saying, so that does not constitute a deflection it constitutes a defense. We are glad to make this information available to the BBB if requested.
  
  This has crossed into an area of obsession that makes us concerned about your mental state, and whether or not we need to act to ensure the personal safety of our staff.
  
  We have answered your complaints both privately and publicly. We have suffered your obsessive and abusive telephone calls. We have withstood your manipulative & deceptive campaign of raising false complaints through manufactured aliases. We have witnessed your cyber bullying of our employees. 
  
  We say to you now, in the strongest terms, do not contact us again either directly or indirectly. If you continue this campaign of harassment, we will be forced to seek legal remedy.

  Customer Answer

  Date: 08/09/2023

   
  Complaint: 20373627
  
  I am rejecting this response.

   

  The business continues to deny all allegations and refuses to accept responsibility for their actions.

  They claim that I am the sole actor in online complaints against them although I would like to cite case # 0:2021cv62412. This is in reference to a previous lawsuit against senior life services regarding the same exact issue. Clearly I am not the only person that has had an issue with them. 

  
  

  Business Response

  Date: 08/11/2023

  With all due respect, it doesnt matter how many times you repeat a lie, it doesnt make it true.

  This has become baseless harassment.

  We are willing to schedule a Zoom meeting with you, and the BBB as witness, to refute your false allegations and present evidence to completely support our position.

• Initial Complaint

  Date:04/30/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to you regarding your , unsolicited communication to my cell phone *************) on 3-26-2022 @ 10:30 AM from your company, for marketing purposes. The 22 minute communication with ***************************** was unwanted, and was made without my express invitation, permission, or consent.Before you go off on a vehement explanation of how you didnt do this and I am using the Telephone consumer protection act as an extortion tool to make you pay for YOUR OWN ACTIONS , or being a cyber terrorist! You should know that your attorney ***************** was sent notice and your company has simply ignored my communication as if it will go away. You do understand that you hired the company doing the calling and are ultimately the responsible party for each of the illegal calls they make. The law allows a civil monetary remedy for your actions. Yet it seems that the *** needs to be made aware of the actions of your company because they can audit your records for the past four years and issue stiff fines and penalties for any violations.I find it quite odd that multiple people complain about your companys compliance with the Telephone Consumer Protection Act and you simply blow them off or give excuses. There must be validity in their complaints for you to get so upset. I hereby request formally, proof that I opted in and gave written consent for your company to contact me .

  Business Response

  Date: 05/09/2023

  ***************,
  
  The issue you are referring to is not a result of multiple people having a legitimate complaint. It is the result of a small group of people orchestrating a campaign designed to extort our company, just as you alluded to. As you most likely know, the tactic of threatening to report a company to the *** which potentially exposes them to federally imposed fines or the headache of proving their innocence, and then attempting to personally enrich yourself, in exchange for not filing a complaint, is a form of extortion.
  
  Additionally,some have the custom of maintaining numerous aliases and telephone numbers,then mass enrolling in various marketing campaigns, then playing the victim when they are contacted. While we cannot say whether this is your custom or not, we do know that any person we contact, we are legally entitled to do so because we do respect and adhere to a TCPA compliant marketing strategy, so reaching you, if in fact you did not initiate any permissions, would be highly unordinary. Equally confusing is why you entertained a 22-minute phone call on a topic of which you had no interest, with a person you claim was not authorized to speak with you, that however is neither here nor there.
  
  We do not ignore legitimate complaints. We take in pride in our customer ********************** and treatment of those with whom we have had the pleasure of engaging over the years. You however are simply an opportunist who is attempting to manipulate ** harassment and threats. Our position remains the same, we will not be cyber bullied by you or anyone else in your cabal. 
  
  Fraud Prevention Department

  Customer Answer

  Date: 05/09/2023

   
  Complaint: 19999429
  
  I am rejecting this response because:

  These extortionists you mention are justified by FEDERAL LAW IN CLAIMING THEIR CIVIL REMEDIES written into the TELEPHONE CONSUMER PROTECTION ACT by CONGRESS! 
  

  You have failed miserably in my request , I Asked you to provide certified proof of my written opt in information. 
  

  Failure to do so or an inability to do so only proves my point that you have Violated FEDERAL LAW and this can proceed to Court where the judge will ask for the same proof and award triple for failing to provide such information.  
  

  Funny you think those that are following the FEDERAL LAW are CYBERBULLYS and you have no respect for the law as it was written, if you do not like the law written in the early 90s contact your congressman ***** attempt to be an agent of change . 
  

  PROVIDE PROOF THAT I GAVE YOU WRITTEN PERMISSION TO CALL ME WITH DATE/ TIME, WEBSITE SAID INFORMATION WAS OBTAINED FROM  . Its a simple request! Surely if it was a legal call by your company you maintained those records as required by law. 

  
  Sincerely,
  
  ***************************

  Business Response

  Date: 05/17/2023

  ****************,
  
  We have the utmost respect for the law, but with all due respect, you are not the federal government, and therein lies the problem. 
  
  As you have intimated, you are attempting to weaponize the **** and collect money from **, under the threat that if we dont pay, you will expose **, in your eyes, to the threat of potentially paying three times as much. You have articulated this threat verbally and in writing to both our agents and **********. Although we have made it clear to you that we violated no law in our dealings with you. A review of all previous communications between ** establishes that fact. So, you are merely attempting to leverage the costs we would have to incur, to prove what we already know,and have already shared with you, to personally reap a financial benefit. The courts you refer to will undoubtedly not look kindly on that. 
  
  Thats what makes you an extortionist in our view.
  
  You have communicated numerous threats, across all mediums and platforms, espousing false accusations, in an effort to manipulate ** into paying you.
  
  Thats what makes you a bully in our view.
  
  The problem is that you are the bully in the schoolyard, that just met the kid who balled up his fists, squared up, looked you dead in your face, and refused to give you his lunch money.
  
  We have already responded to your requests, via email. If required to present proof of that in front of a judge it would be simple. We suggest you check your records before you burden the courts with frivolity. No doubt you have attempted to extort so many potential victims,that you lose track of the conversations. If this matter escalated, once we know your real identity, we would let the courts decide if you are a legitimate complainant, or serial opportunist.
  
  We are confident that we are in compliance with the law. We will not subject ourselves to any more of your inquiries. No information we supply to you has been sufficient, because you have another agenda. We know this because of the numerous letters you send to **, so we will not comply with your attempt to use the BBB to circumvent the legal process. By the way, you may want to choose YOUR words carefully when you continue to speak disparagingly about ********** and imply that we have some record of doing business of which we shouldnt be proud. We are an excellent company with a sterling record. You on the other hand cannot speak to your record, because your actual identity is not even definitely established, except by your claim that you are ******* AKA *********************, which anyone can pull out of the air and attach to a false claim on the internet with just a couple of keystrokes.
  
  Stop harassing **********. Stop harassing our agents. If you do not, you will get a knock at the door from the real police,enforcing the real local harassment laws, as opposed to the way you are attempting to abuse federal law. Enough is enough. We choose to disengage from this farce.

  - Fraud Prevention Department

  Customer Answer

  Date: 05/17/2023

   
  Complaint: 19999429
  
  I am rejecting this response because:

  You have yet to provide my express written permission to contact me via phone. 
  Furthermore, I am formally requesting a copy of your companies do not call policy to be posted with your reply. 
  

  Furthermore, 47 U.S.C. $227(c) makes two or more communications within 12-month period made to lines listed on the National Do Not Call Registry a violation as well. As you can see from the attached confirmation, my number was lawfully entered on the National Do Not Call Registry 
  The **** also provides for a private right of action, with each violation entitling me to a $500 penalty, which can be increased to $1,500 per violation, in the event such a violation is deemed to have been willfully or knowingly made. Reasonable court costs for bringing a private right of action against your company are also recoverable in the event of a successful action for those violations.
  In the absence of the federally required, express, prior, written consent, or any qualifying, "existing business relationship", you have violated the **** as indicated above, thus affording me the right to pursue the statutory penalties described above, as well as the reasonable court costs.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:04/10/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business continues to call using spoofed phone numbers utilizing robo and offshore vendors. They completely disregard the National Do Not Call registery and have even go so far as calling 5+ times in a row as early as 5:30 AM Pacific time. Their practices are harassing and should be stopped immediately.

  Business Response

  Date: 04/13/2023

  Unfortunately, this is the same false complainant emerging under a new alias. We have referenced this issue several times in previous emails.
  
  The reason we know this complaint is manufactured and inorganic is that it contains materially inaccurate facts, such as:
  
  1) We do not use robo dialers
  
  2) Our telephone lines are technologically restricted from performing tasks that are not TCPA compliant.
  
  The complainant continues to publicly propagate these lies about our marketing practices along with their obsession with denigrating members of the ************************* through negative inference. 
  
  These fake posts are the true source of harassment. Any assistance the BBB can provide is greatly appreciated.
  
  If these complaints have any legitimacy at all, we remain emphatic to the complainants general plight. The only resolution however is identifying the true source of the calls, which is not us! 
  
  We keep being attacked over these calls, but we are not originating these calls, nor connected to them in any way, either directly or indirectly. 
  
  What can we do to remove our organization from this fixated yet misdirected gaze?
  
  We would love to help if we could. The fact that we keep being presented with false accusations over and over again,delivered under a myriad of false guises leads us to believe that the only logical conclusion is that we are being deliberately trolled for some yet to be determined reason.
  
  So once again we plead, stop.
  
  Fraud *********************

  Customer Answer

  Date: 04/13/2023

   
  Complaint: 19907183
  
  I am rejecting this response because:
  

  The insinuation that my complain is false. Perhaps this business needs to take into account another business may be spoofing/impersonating them. 

  The accusation that all these complaints are anything but legit shows a predisposition to not look internally at their practices not following the appropriate next steps to protect themselves from impersonators. 

  I would recommend to the business that rather than accusing the complainants of false accusations, putting them at risk for liable, they instead take the responses as genuine complaints and work with the FTC/BBB on how they can prevent such acts. 

  Sincerely,
  
  ***************************

  Business Response

  Date: 04/21/2023

  TOur agency is constantly looking in the mirror, and we do not turn a blind eye to opportunities for improvement. The problem is that this complaint does not exist in a vacuum, and it follows the exact pattern set by previous false complainants, almost chapter and verse.
  
  If we received a phone call saying Just an FYI, your company might be getting spoofed we would have responded appreciatively and accordingly, that is not what happened. 
  
  We were formally, accused in writing, to a third party, for something we didnt do. That is the action that would be considered libelous, not the response to the false accusation. 
  
  Once again,not trying to start, continue, or win a battle of words, but if you look at the history and continuity of these complaints, we maintain our position. This looks like yet another chapter in the ongoing, organized & coordinated,campaign of misinformation directed at our agency. 
  
  If we are wrong, you have our deepest apologies, but it does not change the fact that we are not connected in any way to the allegations you have made. 
  
  That said, as a precaution will look further into the possibility that our telephone number has been commandeered. Rest assured though; our agency is not at the root of your issue. 
  
  We regret that we cannot convince you of this fact.

  Fraud Prevention
  

• Initial Complaint

  Date:02/17/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business hires third party calling companies from foreign countries such as ***** to make HUNDREDS of spam calls on their behalf. I get a call about every 10 minutes from someone in ***** asking me " do you have ******** part A and B ". The calls never end regardless of being on their " Do not call list ". These spammers call to screen prospective clients for eligibility prior to transferring them to " Senior Life Services" And they never stop calling no matter how many times you ask. It's ridiculous

  Business Response

  Date: 03/02/2023

  The complaint from ************ is categorically untrue.
  
  ************ threatened to relentlessly harass **, relentlessly harass our agents, and relentlessly make false complaints under different aliases online. His complaint to you is merely an extension of that threat.
  
  We are including the emails from him where he outright states his objectives, as well as a screenshot documenting that he followed through on them. We deeply apologize for the vulgarity, but we are merely sharing with you what the complainant subjects us to regularly both verbally over the telephone and in print via email.
  
  We have repeatedly shared with the entities that he represents himself through, we are not originating or in any way connected with the communications he is describing. 
  
  We do not know why he is attempting to bully us into accepting responsibility for something we have no part in.
  
  Unfortunately, his actions have forced our responses to become increasingly terse. Reason being, through his own admission, he is not an aggrieved client, he is a cyber terrorist whose motives remain unclear.  

  Customer Answer

  Date: 03/07/2023

  
  

  Complaint: 19423939

  
  

  
  

  
  

  I am rejecting this response because:

  
  

  
  

  
  

  
  

  
  

  
  

  
  

  
  

  
  

  This Business is lieing about hiring overseas calling companies to make sales calls on their behalf. I did make some tense statements to them that I would email them from different accounts if they continued to block me. I was rude in these emails. I have taken a ***** approach with senior life services because im rather angered that they hire companies from overseas to "spoof" (disguise) phone numbers to call people repedtedly. I would like to add that senior ife services has been sued for violations if the Telecommunication Consumer Protection Act in the past by A gentleman named ***************************** for the same exact complaint ( receiving spoofed phone calls on behalf of senior life services from overseas callers ).  Details of this complaint can be find on classacrionsreporters.com 

   

  The business replied to the review that I have made on ****** and stated that I'm a " fake cyber bully " while attempting to reference other ****** accounts that wrote negative reviews for similar complaints. Upon my own investigation I found that these other ****** reviews from other accounts were from established accounts that had often written several other legitimate reviews from different time frames... some that spanned years apart. ****** also takes action to prevent fake reviews such as checking to see if the reviews come from the same IP address, and verifying that ****** reviews are not coming from new ****** accounts with no reputation. 

   

  Senior life services completely denies that they hire outside calling companies to spam consumers. I would like them to explain why they admitted on a (recorded line) that they DO hire third party overseas calling companies to make calls on their behalf then. I would also ask the business why they have had lawsuits filed on them for violation of the ****** Telecommunications Consumer Protection Act) for the same issues listed in my BBB complaint. I will admit that I accidentally represented that Senior Life Services called me regarding ********* part A and B". There is actually another insurance company sending the ******** part A and B callers after my phone.  Overseas callers hired by senior life services call and offer a " final expense insurance plan ".

   

   

  It's time thar the Business confesses that they do indeed hire overseas calling companies.

   

  It's time that this business agrees that they have faced legal actions under the **** for similar complaints. I would like them to explain why that is if this is all a lie 

  
  

  
  

  Sincerely,

  
  

  
  

  
  

  *****************

  
  

  
  

  
  

  
  

  
  

  
  

  Business Response

  Date: 03/14/2023

  ************ admitted in his email to doing everything we accused him of.
  
  We do not admit to doing what he is accusing us of.
  
  He is attempting to conflate the utilization of various international partners with whomever is harassing him. 
  
  We are not the source of his complaint. 
  
  As far as ****************** is concerned, ****** him and make your own determination on the validity of his claims.
  
  It is of note that certain individuals have made a business of manufacturing claims against companies, filing lawsuits, then attempting to blackmail them into settlements.
  
  The fact that *********** is aware of ****************** is finally starting to shed some light on this lunacy.
  
  We dont care about whatever information ************ has supposedly captured on a recorded line. 
  
  For one, it is probably not authentic. Secondly, if it is authentic, it is probably not legally obtained, which would land him in even more trouble than he is in now for his misogynistic threats to our staff.Thirdly, if the recordings were authentic and legally obtained, an admission to the utilization of international resources is not an admission that those resources are being used inappropriately.
  
  Many within our company have family members that originate overseas and we are sick and tired of ************ referencing these relationships in a derogatory manner. Having relationships overseas is not something to be ashamed of. We believe in diversity and the support of those amidst the international community.
  
  We said it before, we will say it again ************ is a xenophobic cyber bully. He is lucky that we dont own a Time Machine and ready access to a dusty school yard. 
  
  It is time for this ridiculous temper tantrum to cease. 
  
  We greatly value the BBB as a forum for legitimate individuals to make legitimate complaints, this however is self-admitted harassment. This harassment occurs through rude emails and calls to our office, and we humbly request that the BBB no longer be complicit in the so called ************ illicit campaign.
  
  Lastly, for the record, anyone who has the temerity to call us liars should at least take the time to spell it correctly. The structure of this complaint speaks volumes as to the probability of its accuracy.
  
  Enough is enough.

• Initial Complaint

  Date:02/04/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have serious health issues and its hard for me to get around. But my Dra and sister/nieces call to check on me. So its important I answer or they get frantic and call emergency services. These sakes people from Senior Life Services call me everyday and I have asked ice Lt to stop calling me and they keep on I have cussed them out and they keep in they say I requested info and I ask where and when and of course they cant supply that because its a lie. My final expenses have been paid for for years. I want them to stop calling me period forever I am contacting a lawyer to see about starting a class action lawsuit against them Im sure Im not the only person they harass. My health is bad and they make my health much worse by aggressively calling and aggravating me. Please stop calling me and dont apologize and I ne weve er want to hear from anyone at your company again ever ever I hate everyone that works there and warn people about your crappy company every chance I get. Stop them from calling me please..

  Business Response

  Date: 02/06/2023

  We are very sorry that ************ has become frustrated through this process. We are wondering if her concerns are possibly in reference to interactions with some other company? 
  
  The reason why is that ************ applied online to receive more information about her insurance coverage. Our representative left her a voicemail about her request. ************ returned the call and stated that she had listened to the entire voicemail and was calling back in response.During the call she said she was satisfied with her current coverage, but agreed to recommend anyone she came in contact within the future that possibly needed assistance.
  
  We are often not able to retrieve calls that did not result in a sale, and even then can only receive calls for a limited duration, however in this particular case the information we gathered was gained from the actual telephone call recorded between ************ and our representative. We would be happy to submit the recording if you give us a secure email link.
  
  Please reach out if you have any additional questions.
  
  Sincerely,
  Fraud Prevention