ComplaintsforPrimerica, Inc.

• Initial Complaint

  04/29/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  There is absolutely no customer support with these people. I tried for three years to change my address to no avail. Ive been trying for a year to change my name after hours on the phone. The employee hung up on me and finally sent me a form to change my name . When I received the form, I couldnt believe they never updated my address from three years ago which multiple times I would fax and email them about. I need a resolution for this. They need to change my name.

  

  Business response

  04/30/2024

  We have received your complaint and apologize for service you have received. Please provide us with your policy number so may access your records in our system. 

  Thanks 

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

   

   

  Customer response

  04/30/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  04/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a client of primerica and my premiums were relatively low and I had the premium paid through a secondary bank account . I didnt pay much attention to it . Yesterday I saw that they withdrew ****** , I thought , thats probably for either six months or a year . I looked through the bank records and this was monthly they were doing this . My premiums were supposed to be ***** per month , not ****** per month ! Whats going on ? I wasnt informed on such a transaction . Nobody informed me on any extreme rate change! After all this was term insurance which is relatively cheap. I found out they were charging me this rate since September of 2022 .

  

  Business response

  05/17/2024

  We have sent the complainant a detailed explanation of our companys position regarding the information he provided your agency.  Due to privacy concerns, we will not provide those details in this response.However, I would like to point out that our company is a reputable term life insurance provider, with high industry ratings.  During the history of our company, we have never charged clients premium rates in excess of the rates scheduled in the contracts purchased. 

• Initial Complaint

  04/17/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  joined the membership 3/27/2024 approx 8:25pm was pressured to pay $124 immediately to get started, fast track and higher earning potential to do so when asked to sign the contract, I stated I didnt have time to read it thoroughly and was told not to worry as I only needed to sign where indicated. 3/28/24 found additional hidden monthly fees within the contract 3/28/24 @approx 10am, i spoke to a recruiting rep and stated how uneasy I felt and wanted to no longer be a part of the company after additional research was done on my part was told to at least go through the classes and if I still felt the same, I could request a refund for the membershipwas given classes that were scheduled at inconvenient times so I found where I could take online to complete 4/12/24 called, texted and emailed about membership and told I could only get back $25 4/16/24 found an email to the finance department and requested a refund in writing 4/17/24 received a refund denial email stating the had attended the class (signed up online and complete 11% of the course) called into company and spoke to someone in the finance department whom stated a refund is only available within the first 24 hours of IBA sign up. 3/28/24 @approx 1pm Business was presented as take the classes and get licensed within 30 days. After sign up, I was asked to give the names of 25 people I would pitch the company to. When I stated I didnt feel comfortable due to the nature of the company and so many things not being upfront. I was then told to use the 25 contacts as training. Again I stated I would only being interested in selling insurance, so pitching the company was unnecessary, I was dismissed and then was sent text messages constantly asking for my list of 25 potential recruits. I would have left the company and got my full refund had I not been lead to believe I would receive my full refund before 30 days, even if courses have been taken , but not the license state test.

  

  Business response

  04/29/2024

  Better Business Bureau
  Attn: ***********************
  Dispute Resolution Counselor
  **************************************************************************************; 30349
  
  April 29,2024
  
  RE:    BBB Case:   21587830
  Consumer: ***********************
  
  Dear **************:
  
  I am writing in response to the complaint that *********************** filed with the BBB on April 17, 2024.  Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives.  Recruits, such as ***************, submit an Independent Business Application (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee.  Once recruits are properly licensed, they receive commissions, not a salary.
  
  We have researched ****************** complaint and have determined that on or about March 27, 2024, we received her *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that **************** contacted Primerica prior to filing her complaint with the BBB and requested a refund for her *** fee.  ****************** refund request was initially denied due to her attending Primericas pre-licensing class.  On April 17, 2024, as a courtesy, Primerica issued a refund of $69 for ****************** *** fee and $25 for her *** fees, back to the account on file.  As an additional courtesy, we will issue a refund of the $30 non-refundable fee, for a total refund of $124.00.  We would ask that *************** allow at least three to five days for processing of her refund.
  
  We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.
  
  Sincerely,

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

  ************ (phone)

  ************ (fax)

• Initial Complaint

  04/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Primerica is a Life insurance policy company. There was a death 6 months ago and even my lawyer says that these people are stonewalling. The person who has been assigned to my case is *******************************, all I get is her voicemail, I called to speak to her supervisor and all I get is his/her voicemail.

  

  Business response

  04/12/2024

  Please provide the insured name and address along with the policy number so we may review further.

  Thanks 

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

• Initial Complaint

  04/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Friday 04/05/2024 I was told that I would get training for a course. There was an email sent on 04/09/24 asking for a refund. I thought this information was given to receive payment, not pay for a course. I was then informed that there was a $25 monthly fee that was going to be charged and they only canceled that. I have not done anything with this company, no training, and I do not wish to. I feel like I was scammed and just want my money back.

  

  Business response

  04/23/2024

  Better Business Bureau
  Attn: ***********************
  Dispute Resolution Counselor
  ***********************************************************************************************************; 30022
  
  April 23,2024
  
  RE:    BBB Case:   21550985
  Consumer: Victoria ***
  
  Dear **************:
  
  I am writing in response to the complaint that ******** *** filed with the BBB on April 9, 2024.  Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives.  Recruits, such as Ms.***, submit an Independent Business ***lication (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee.  Once recruits are properly licensed, they receive commissions, not a salary.
  
  We have researched Ms. **** complaint and have determined that on or about April 5, 2024, we received her *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that Ms. *** contacted Primerica the same day she filed her complaint with the BBB.  Primerica advised Ms. *** that he refund for her *** fee would process after a seven day hold due to the form of payment that was used when she submitted her ***.  Ms. **** *** refund of $99 was processed on April 15, 2024. 
  
  We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.
  
  Sincerely,

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

  ************ (phone)

  ************ (fax)

• Initial Complaint

  04/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company stated id have to pay $99 to start work and i placed card i formation to start work but there is no job to start they just took money from me and when i asked for it back they said no they cant do it i also have $10 in my bank after working with them and have no other way of getting money for a few months and an additional $25 for their app every month

  

  Business response

  04/29/2024

  Better Business Bureau
  Attn: ***********************
  Dispute Resolution Counselor
  **************************************************************************************; 30349
  
  April 29,2024
  
  RE:    BBB Case:   21539655
  Consumer: ***************************
  
  Dear **************:
  
  I am writing in response to the complaint that *************************** filed with the BBB on April 6,2024.  Primerica is a corporate general agent that markets financial products, including life insurance, through independent contractor sales representatives.  Recruits, such as ******************,submit an Independent Business Application (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee.  Once recruits are properly licensed, they receive commissions, not a salary.
  
  We have researched Mr. ******** complaint and have determined that on or about April 5, 2024, we received his *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that Mr. ******** *** was withdrawn on April 7, 2024.  Any funds that ****************** would have paid,would have been returned to him via the same method of payment that was used when he submitted his ***.  We would ask that if ****************** has not received his funds, that he contacts his bank directly.     
  
  We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.
  
  Sincerely,

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

  ************ (phone)

  ************ (fax)

• Initial Complaint

  04/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company is a pyramid scheme. They told me it would be $100 for a background check. I was offered the job the same hour. A background check was not done. I was told I would be selling life insurance. All I did was try to recruit people to get hired with the company not sell insurance. They lied about what the $100 was for and they lied about the position to get you to accept.

  

  Business response

  04/16/2024

  Better Business Bureau
  Attn: ***********************
  Dispute Resolution Counselor
  *****************************************************************************************; 30022
  
  April 16,2024
  
  RE:    BBB Case:   21536818
  Consumer: ***********************
  
  Dear **************:
  
  I am writing in response to the complaint that *********************** filed with the BBB on April 5, 2024.  Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives.  Recruits, such as ***************, submit an Independent Business Application (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee.  Once recruits are properly licensed, they receive commissions, not a salary.
  
  We have researched Ms. ******* complaint and have determined that on or about March 27, 2024, we received her *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that **************** contacted Primerica after filing her complaint with the BBB.  ************************ issued a refund of $69.  As a courtesy,we have issued a refund of the $30 non-refundable fee and $25 for her *** charges, back to the account on file for a total refund of $124. 
  
  We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.
  
  Sincerely,

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

  ************ (phone)

  ************ (fax)

• Initial Complaint

  04/05/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  *** contracted them to cancel my policy since feb of 2024 to cancel policy . I sent a fax stating also and sent several emails to ********************************** VP. I am still being charged and they have yet to cancel my policy. *** tried calling and still unable to reach anyone to help.

  

  Business response

  05/03/2024

  Our company takes pride in always providing quality service to our clients. Our home office is responsible for processing cancellations, and policies are promptly canceled as soon as we received appropriate notice from our clients. Due to privacy concerns, I have not included details about this matter in this response. However, I have emailed the complainant a detailed response, which explains our company's position. 

• Initial Complaint

  04/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I closed my investment account sometime ago and yet. $100.00 per month is still being taken from my account even after i closed the account. I now have to contact my bank to make sure this money is still not being taken in the future.

  

  Business response

  04/17/2024

  We have researched the issue and have reached out to ************** to discuss our findings.

• Initial Complaint

  04/01/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  First, I started at the Life Insurance / Mutual Funds company called Primerica. Originally, I was invited for an overview by ******************* to see what the company is about. I joined shortly after because I was broke and unemployed but ever since the start of my journey, I have been treated unfairly and misguided. I was told about the pyramid scheme and how to get people to work under me and about business referrals. But, I did about 40 hours of licensing courses online as told but I always asked about how Id be paid and when but they always told me Id be reimbursed for everything after I passed the exam. I paid for the courses, the 25 dollar monthly subscription which I was never told about, fingerprinting through the state of ****, and the exam fees, etc I tried to get my mother set up with a new policy through this business and she was declined through underwriting. Then, ******************* (My regional manager / hirer) called her about 2 days later saying that she is unable to reach out to u rewrites and that he and his dad will through her which makes no sense why she couldnt herself. Then, she was magically accepted according to **** (no explanation). After my mom said she would call him back after a few days to determine if she wanted to go through with the policy, the shady dude took the first month of premium from her account without consent. I also went to take my life insurance test online for the first time and they said I needed a printed comply of completion of my course so I had to reschedule and that wasted $49. I took it again today to pass and get my money back from the company and leave, but got a 50% and decided to give up and leave the company and try to get the money another way. I also called Primerica to see if they can do anything or refund me and they cant of course. This process has been h*** and unfair for my family. Thank you!Monthly subscription:$75 3x25 Online course:$99 Background check:$72 Fingerprint:69$State exam(s):98$ 49x2

  

  Business response

  04/29/2024

  Better Business Bureau
  Attn: ***********************
  Dispute Resolution Counselor
  ***********************************************************************************************************; 30022
  
  April 29,2024
  
  RE:    BBB Case:   21514470
  Consumer: *************************
  
  Dear **************:
  
  I am writing in response to the complaint that ************************* filed with the BBB on April 1, 2024.  Primerica is a corporate general agent that markets financial products, including life insurance,through independent contractor sales representatives.  Recruits, such as *************, submit an Independent Business Application (***) to apply to become Primerica independent contractor sales representatives, not employees and pay the one-time $99 *** fee.  Once recruits are properly licensed, they receive commissions, not a salary.
  
  We have researched Mr. ****** complaint and have determined that on or about February 21, 2024, we received his *** that authorized payment of the one-time $99 *** fee and the $25 monthly Primerica On ********************* The *** provides that recruits who have not attended pre-licensing class are eligible for a refund of up to $69 ($99 less a $30 non-refundable processing fee.).  Our records indicate that ************** did not contact Primerica prior to filing his complaint, regarding a refund.  As a courtesy,our ******************** issued a refund of $99 to ************** for his *** fee and we issued a refund of $75 for three months of *** charges, back to the account on file.  Although no refunds are due to **************, as a gesture of good will, we will issue an additional refund of $170 as a check to ************** for the fees he paid for his fingerprint fees and exam fees.  We will mail the check to the address that we have on file.  We would ask that ************** allow at least five business days for processing of this refund.
  
  With regard to Mr. ****** concerns regarding his mothers life insurance policy, his mother would need to contact our ******************************** directly at **************.
  
  We hope that we have adequately addressed this matter.  If you have any questions or need additional information, please let me know.
  
  Sincerely,

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

  ************ (phone)

  ************ (fax)

*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. ↩