ComplaintsforFidelity Life Association

• Initial Complaint

  08/29/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I purchased a 10-year, $50,000 life Insurance policy from Fidelity Life for $26 a month. For 10 years, I promptly made the monthly payments.The policy expired on July 1, 2022.Despite my many phone calls to them refusing coverage past July 1, they charged my debit card $143 on July 29 without permission. Even though I had placed a stop payment for this vendor, ******* processed the charge.I'm now disputing the payment with *******.And I'm doing this after Fidelity told me not to cancel my current debit card because they were going to refund the money to the card within the week.Well, that never happened despite having sent them an email and a postal letter contesting the charge and the continuation of the policy.I'm completely outraged. I have spoken to no less than 5 employees at the company to try to resolve this matter--and nothing.I think their behavior is criminal. They knowingly took money out of my account without my permission.I have given them 30 days to rectify the situation and they have not done so.I need that money as I am a senior living on a limited income.By the way, I purchased a much cheaper policy with **************** to cover the next 10 years of my life.

  

  Business response

  09/09/2022

  Please see the 2 attachments for our final response. Thanks!

• Initial Complaint

  06/06/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I applied for accidental death insurance with fidelity life insurance and decided that I didnt want the policy right away because the payment was not in my budget range so I canceled right away and for some reason this company doesnt want to give my payment back that was taken out of my account and been giving me the runaround I have called over 20 times since 5/12/2022 the date I canceled the policy each time Im told you should receive it in a couple days and still nothing I just checked the reviews for the company and Im not the only who is trying to get their money back also Im constantly calling and being told my money was refunded already which is untrue all Im asking for is my premium of $38.54 back! I just was on the phone with a representative and was hung up on this is ridiculous how can a company constantly take money from consumers and get away with it.

  

  Business response

  06/16/2022

  Please see the attached for our final response. 

  Customer response

  06/16/2022

   
  Complaint: 17326048
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***********************.   This business has given me the runaround regarding my refund.

  

  Business response

  06/24/2022

  Please see the attached for our final responses. Thanks!

• Initial Complaint

  05/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Repetitive UNSOLICITED BULK E-MAIL It appears that Fidelity Life Association and ********* have contracted with a direct marketing publisher (My Saving Genie parent entity ********) that engages in repetitive, high-volume unsolicited bulk e-mail (UBE).Fraudulent claim in message content: "This email was sent to you because you have opted in to receive 3rd party email communications.." AFAIK - I have not provided verifiable affirmative, deliberate or explicit consent for this e-mail address to be added to this list.There have now been 2 instances of repetitive UBE content 5/13 and 5/20. If I did not bite on the lead-generation phishing expedition the first time, then the second attempt one week later was pointless and abusive. This repetitive UNSOLICITED spam is reprehensible and irresponsible marketing.Please confirm - with effectivity - that this e-mail address has been permanently removed from any UNSOLICITED spamvertising on behalf of Fidelity Life Association, ********* and/or affiliates INCLUDING *************************/publishers.

  

  Business response

  05/23/2022

  Please see the attached for our response. Thanks!

  Customer response

  05/23/2022

   
  Complaint: 17241471
  
  

  The quick response with action of adding my email address to the suppression list is much appreciated, however, I am rejecting this response pending confirmation that this suppression instruction has also been pushed to any other active marketing campaigns - especially the 3rd party spammer mentioned in my complaint.

  
  Best regards, 
  
  M ********

  

  Business response

  05/31/2022

  Good morning,

  Please see our attached response.

  Thanks,

  Policy Administration
  

  Customer response

  05/31/2022

   
  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. Note that if communication - in any form - continues after the 10-day period, I reserve the right to re-open the complaint or file a new one. 
  
  Best regards,
  
  M ********

• Initial Complaint

  04/27/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I would like this account closed and my money refunded from November 2021 till current. I received a phone call about life insurance and was promised a policy but I never received anything from said people, nothing like info about policy.. no name, account/policy # until I filed a complaint with Bank for funds being drawn out. At beginning of April 2022 I found name and phone # for Fidelity association on Bank statement and called and demanded this account/policy to be closed and my money refunded and I was directly told there will not be refund and that nt is closed. Then in mail I received info from them stating that funds will no longer be taken out off credit card but will be billed quarterly by mail. I called today 4-27-22 and was told account still opened and for me to close I have to fill out paper and send back and no refund is available to me because I signed by electronically. Then I stated that I never signed a paper whether by email or mail for policy, so she says oh it was voice signed. So which is it? Also that a refund will not be issued. So again I did not have any info on this company until found it on Bank statement. Money has been taken out of my account with no regard to me ... no information on account no nothing so I feel I don't deserve to have money taken from me for something I dis not have.

  

  Business response

  05/06/2022

  Please see the attached for our final response

  Customer response

  05/06/2022

   
  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

  03/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Im a customer with ********************** Associates?they double charge me for March I let them know ,but have yet to get a refund,proof is below 3/19 $ ***** 3/ 26 $ 94. 29 I want a refund asap

  

  Business response

  04/08/2022

  Please see the 2 attachments for our final responses

  Customer response

  04/08/2022

   
  Complaint: 16967301
  
  I am rejecting this response 

  give me a email address to send the proof 

  

  Business response

  04/08/2022

  Please see the attached for our response the rejection

• Initial Complaint

  02/27/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  policy #********** I am writing to express my extreme frustration with this company in regard to their lack of profession handling regarding the above referenced policy and what seems to be a deliberate effort on the part of Fidelity Life to not move forward with their responsibilities in this regard. My son, ************************* was killed on 09/12/21. His manner of death, as listed on the Death Certificate issued by the **************** was HOMICIDE, CAUSE OF DEATH A GUN SHOT WOUND. Fidelity Life knows this and have known for several months, as I sent them an original Death Certificate well over three months ago. So far, after 5+ months, all I have received from them are form letters, copies of which are enclosed with this letter, all of which say basically the same thing, that you are waiting requested information and that there is no need for me to respond or take any action.I find it almost laughable ludicrous that in this technologically driven world, where we can vet someone to nominate to the Supreme Court in less than a month, after over 150 days, this company, which I will presume has a high level of competency to gathering such information as they say they require, has not wrapped up this investigation regarding the murder of a 22-year-old young man. It makes me wonder how many other clients you have back-logged awaiting your not-so-significant-attention. Do you think the **************** could have possibly confused death by a gun shot with some other form of death?

  

  Business response

  03/09/2022

  Please see the attached for our final response.

  Customer response

  03/14/2022

   
  Complaint: 16813521
  
  I am rejecting this response because: The response from Fidelity does nothing to address the issues I have raised in my complaint. In their response dated 03/09/22 Fidelity states that they "Are waiting to receive to receive medical records from ********************** and NextCare." This is merely a repeat claim originally made in Fidelity's letter to me back on 01/17/22 and repeated in their letter to me dated February 18th, 2022, as documented by me in the forms I included in my original complaint against them. Every letter Fidelity has sent out has been to claim they are waiting to receive medical records from someone. 

  In addition, Fidelity is now saying that they are "Conducting an additional accidental death investigation. " My son was killed by a 42-year-old lifelong gang member who already had at least one felony conviction who pulled out an illegal gun he was forbidden by law to have in his possession and shot my son in the head. That was not an accident. Couple this with the fact that the Death Certificate issued by the proper authorities in the ****************, which Fidelity has had in their possession for at least 3+ months list my son's death as a Homicide. The definition of homicide is "The unlawful killing of one person by another." Therefore, a reasonable person would conclude that there was nothing "accidental" in my son losing his life. This so-called addition investigation is yet another attempt by Fidelity to stall, stall, stall while they seek any blade of grass to hide from their responsibility. 

  Fidelity also claims that 6 months after my son's death, they waiting to receive a police statement. This bears repeating. Six months after his death, Fidelity is waiting to receive a police statement. I can only assume that Fidelity has at least a team, if not an entire department trained (if not devoted) to requesting, receiving and processing this sort of information. Yet we are supposed to believe that after more than 180 days Fidelity still has not been able to gather this documentation. One is left to conclude that either ********************** & NextCare and the ********************** are incompetent, lazy or incapable or that Fidelity is not trying very hard to resolve this.   

  Fidelity also stated that a claim representative would be contacting me by March 11, 2022. That did not happen. I received no call from any phone number identified as Fidelity. In addition, has I missed a call or had my phone identified an 800 or 888 number call with no assigned name, at the very least the representative could have left me a voice mail. This also did not happen. 

  Fidelity sold the policy, collected the paid premiums but because the odds went against their actuary charts, and they did not get to collect 20 or 30 or 40+ years of premium payments to offset having to pay, they are desperately seeking any possible way to avoid their responsibility in this matter. The facts speak for themselves, yet Fidelity is not willing to accept them. Instead, they are exploring ever possible means to find a way to avoid their obligation. 

  I am reminded every single day that my son is no longer a part of my life. His 23rd birthday will be here in eight days. For this company to drag this out like this, (and one must wonder how many other families they have and are treating this way) is cruel, unprofessional and heartless. It is SLEZE personified. We are not even talking about a large amount of money here. $45-50k. Yet I believe Fidelity will either drag this out as long as they legally can or until they think they have found a reason to not be obligated. But they would have us believe that it is Desert Cares fault, NextCare's fault, the **** ****************** fault, XYZ, fault, anyone but Fidelity's fault. 

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

  

  Business response

  03/22/2022

  Please see our response in the above attachment.

  Customer response

  03/25/2022

   
  Complaint: 16813521
  
  I am rejecting this response because: I have spoken by phone with Detective ******** of the ********************** who is investigating my son's death and he states that he has received NO Request for a police report from Fidelity as of 03/24/2022. 

  His phone number is ************. 
  
  Sincerely,
  
  *******************

  

  Business response

  04/04/2022

  Please see the attached for our response.

  Customer response

  04/06/2022

   
  Complaint: 16813521
  
  I am rejecting this response because: For over 4 months, Fidelity explained their slow response to honoring this claim by blaming the delay on ********************** and ********************* without even explaining who they are or what insight they may or may not have. Finally, in a letter dated April 4th, 2022, Fidelity stated that they had finally received all the requested medical records they had requested. However, now they have shifted the blame for the delay to the ***************************** and the ********************** in that same letter.

  The issue now seems to be that fact that Fidelity is waiting on a "Statement" from the ********************** without defining the meaning of the word, "Statement." Do they mean a formal account of events given by a witness, defendant, or other party to the police or in a court of law? If so, then they need only refer to the police report which was sent to *********************** on 11/23/2021, per the attached document from the ********************** over FOUR MONTHS AGO.   Or does Fidelity have some other definition of the word "statement" that they feel would be more beneficial to them???

  I personally met with Detective ******** on the morning of March 28th, 2022, a full week before the April 4th, 2022, letter issued by Fidelity, referenced above. During our discussion he informed me that he had received a call from someone claiming to represent Fidelity between March 23rd and March 25th, requesting this "statement." He further informed me that he told this representative that the ********************** does not issue "statements" other than their official report which is based on the facts they discover during their investigation. Dt. ******** also cited to me a question the caller asked him. He was asked, "Do you think the beneficiary could have been involved in the murder of *************************? Det. ******** explained that this type of question is indicative of why **** Police do not issue "statements" that might consciously or otherwise, be based on biases, or opinions, or feelings, but rather, their official police report based on forensics and facts. (For the record, I have never been interviewed by the **** Police in any manner in regard to this.) 

  So, on or around March 23rd -March 25th, 2022, the caller representing Fidelity was informed that the ********************** would not be issuing any statement, other than the official police report sent to *********************** on 11/23/21. Yet even with that direct knowledge, Fidelity sent out a letter dated April 4th, 2022, stating that "Once the statement is received, the claim will be promptly reviewed. This after almost 2 weeks of being told by the ********************** that no "statement would be forth-coming. 

  Fidelity knows and has known that the police will not be issuing a statement to them, yet they insist that as soon as they have that statement, they are going to promptly review the claim. I can only guess that Fidelity will be using that excuse for the next few months as they did with ********************** and ******************** to stall, stall and stall some more.

  Fidelity has been in possession of the *************** Report since 11/23/2021 as well as the official death certificate yet somehow, they "really need this mysterious statement.

  It is both shameful and grotesque for Fidelity to continue to try to shift the blame onto others for their failure to complete this "review" and force me to have to constantly be reliving the most painful experience of my life. 

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

  

  Business response

  04/14/2022

  Please see our response in the above attachment.

• Initial Complaint

  02/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Me and My husband Fidelity Life Insurance plans 2 years ago. I have an automatic withdrawal payment set up since we started with them so I know my payments have been on time. The a letter came yesterday form Fidelity Life and the letter said that said If I had had changed my address to complete the form and return it. and that there was a due date of 1/6/2022. I called that day because we have not changed anything. It also said I was 3 months past due ******. How this is when the letter is dated for 2/8/2022. and my insurance due date is the 9th for the past 2 years. There is not even money on the card on the 6th of any month because I only load it the 8th because my due date has always been the 9th. I load the card every 8th and I pay ****** a month. I called and asked to speak to someone. The woman said a payment came out December the 9th but when they charged January only my husbands plan payment was withdrawn and mine wasnt. I checked the card and there was a ****** left on the card so they hadnt made the withdrawal for mine. Which also doesn&#**;t make any sense, they didnt withdraw for my plan payment. And if I am 3 months over due. Which months and how can I be over due when payments where made in December for the full amount and One of the 2 plans was paid in January. This is what I was told when I called. I asked them to check on it and fix it. They said there was nothing they could do. I was so mad I asked for a refund and they told me they couldnt do that. We have always paid the same day and way for 2 years. I need this fixed and explanations.

  

  Business response

  02/25/2022

  Please see the attached for our response.

• Initial Complaint

  01/03/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  BUYER BEWARE!!! This is the worst company ever. I have a current policy in effect. *********** Moist induced me to switch coverage by twisting, churning. He told me that my current policy wouldnt pay, he kept saying that it is the difference between Footlocker and Payless. I asked him to elaborate and he forwarded me to some online article. He wouldnt describe any riders and told me that they didnt exist and offered to sell me an Aflac policy. When I canceled the policy he gave me the run around to run the clock out. The next day they billed my card for my Wifes policy and mine. A WHOLE WEEK AHEAD OF TIME. I called customer service and instead of canceling the policy they gave me the run around and sent me an email. I emailed them back and instead of canceling the policy they sent a certificate of insurance claiming the policy was lost. I sent another email and received collection letters (5). Get real, now I have to file a lawsuit to get out of a policy that I was twisted into getting, canceling within the free look period and they put me on the back burner phone line. They always answered before my cancellation. AVOID DO NOT BUY. Especially from *********** Moist who represented to be a Financial Advisor. When you dont know who is going to pay a legally binding policy until its too late why risk your money. Go to Ladder or *********** etc. Else, you be stuck in collection Heaven and what you must do to contest that nightmare. If you have any issues please make a complaint with the Insurance Commissioner of your State.

  

  Business response

  01/14/2022

  Please see the attached for our response on both submitted complaints.

  Thank you,

  Policy Administration

  Fidelity Life

  Customer response

  01/17/2022

   
  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. Received refund.
  
  Sincerely,
  
  *********************************

*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. ↩