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Business Profile

Insurance Companies

Seven Corners, Inc.

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Complaint Details

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Complaint Status
Complaint Type
  • Complaint Type:
    Product Issues
    Status:
    Resolved
    I booked a ticket from *********** to ******* on 9/27/24 with *******************, departing 11/13/24 and arriving 11/27/24 back to ***********. Travel Insurance with **** (cancel for any reason) option was purchased on 10/11/24 through AARDY with Seven Corners carrier.Reservation with ******************* was cancelled on 11/7/24 due to circumstances beyond my control and a claim with Seven Corners was filed shortly after. Seven Corners asked for a cancellation confirmation email from *******************. ******************* refused to provide me one saying Seven Corners can call them directly at ********** and refer to case id xxxxxx and they will be happy to provide details surrounding my cancellation. Since it was a voluntary cancellation, Airlines system doesnt allow email confirmations it seems. It is Airlines policy that they dont issue confirmation emails for voluntary cancellations by customers, and it is ********************** policy that they require one to move forward with the claim, and I am stuck in the ********* this point, I am requesting Seven Corners to process my claim and refund me the money I am entitled without further delay.

    Business response

    12/13/2024

    Good day,

    Please see the attached response involving case number: 22680429.

    Should you have any further concerns, please contact this office.

    Best regards,

    Seven Corners, Inc.

    Customer response

    12/13/2024

    Better Business Bureau:

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


    Regards,

    Kishore Busi

  • Complaint Type:
    Product Issues
    Status:
    Answered
    My daughters dog sitter cancelled on us, and we were not able to find anyone else. So my daughter had to cancel her trip. We purchased a Cancel for Any Reason Policy. Airplane tickets and housing accommodations were purchase as Non-refundable. Despite the statement and proof that we provided of that, 7 Corners still requested us to provide a proof that we called and cancelled the Non-refundable ticket. I asked them multiple times to provide a statement in their contract that I have to attempt to request a refund for a Non-refundable ticket. They simply ignored my request. Nevertheless, I did try to call and cancel these tickets and accommodations, however it is impossible to obtain this proof and Seven Corners pry on that fact. Despite themselves ignoring questions addressed to them they make customers answer a myriad of unanswerable questions and tasks. Additionally, they called airline to confirm our trip. Airline gave my daughters seat away and did not properly documented it. So when Seven Corners called them they said that my daughter did fly to CR. I asked 7 Corners to wait while I requesting this correction from the airline. Instead 7Corners hurried to issue their denial of my claim and sent me a statement, implying my lying. I did receive a letter from the airline to proof my case, however, my claim is denied and I had to go through insulting communications from 7 Corners. Also, in my statement I said that we attempted to cancel last day which implied that we faced the problem with a dog sitter last moment. 7 Corners turned it into the fact that their policy specifies that cancellation has to be within 48 hrs. (I did try to cancel within 48 hours it is just impossible to come up with a proof of that). When I asked them to explain this why people who face a problem 48 hrs before flight are better than people who face acute problem before the flight or try to save the trip for the insurance sake. The ignored this question too.

    Business response

    12/17/2024

    Greetings,

    Please see the attached response involving case number: 22678352.

    Have a good day,

    Seven Corners, Inc.

    Customer response

    12/17/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    As with my encounter with representatives originally they did not answer single of my questions. Namely, where does it state in their policy that I am obligated to cancel tickets that are purchased as "Non Cancellable" from airline and as "Non Cancelable" accommodations? (which I provided proof that they are non-cancellable) I asked for explanation why do they require everything to be cancelled no less than 2 days prior to departure?  Why when I told them that their investigation is incorrect, and information that they claim they received from the airline supports their claim, I asked them to wait till I clarify with the airline and provide proof, they refused and quickly closed my case and insulted me. I did obtain the proof from airline that their investigators were wrong and biased. 

    Regards,

    ***** ******

    Business response

    12/18/2024

    Good day,

    The consumer is presenting a CANCELLATION travel claim; therefore, they must CANCEL the claimed travel expense per the terms and conditions of the travel insurance program.

    The Cancel For Any Reason (CFAR) provision details the conditions that must be met in order to qualify for CFAR coverage benefits.

    As previously noted in our December 17th response, please read the following:

    "The CFAR benefit reimburses for unused, forfeited, prepaid Travel Arrangements purchased for a trip and is applicable when an insured cancels their trip prior to the scheduled date of departure for any reason not otherwise covered by the policy provided the two following conditions are met: 

    You purchase the Cancel for Any Reason benefit within the Time Sensitive Period; and 

    You cancel Your Trip no later than 2 days prior to the Scheduled Departure Date of Your Trip. 

    Per documentation submitted by the insured party, ******* travel arrangements were not cancelled no later than 2 days prior to the Scheduled Departure Date (June 2, 2024) of their trip. Which means the insured party needed to cancel ******* scheduled travel by at least May 31, 2024 for CFAR coverage application."

    We uphold the decision that the claim is ineligible for reimbursement and direct the consumer to review the policy language for further clarification.

    Regards,

    Seven Corners, Inc.

     


    Customer response

    12/18/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    Just like with the claim process, process here is like talking to a wall. They keep posting statements from the policy that supports their cause, but they appears, don't even read the questions that I am asking them.

    They still did not answer the question why do I need to cancel travel that I purchased as non-cancellable by vendor. They did not have any policy that states that specifies that "non-cancellable" tickets need to be cancelled instead of considered "void if not used" per vendor policy. Nevertheless, I did try to cancel 2 days before departure, it is just impossible to proof that. Airline has no record of my attempt because this attempt left to them just saying "No". Same with vacation home. 

    They also did not answer the question why there is a policy that trip has to be cancelled 48 hrs prior to departure which is discriminating to travelers who have a misfortune of incurring a problem within 48 hr window.

    They also did not answer the question about unprofessional conduct of their reviewers who denied my claim based on incorrect information that "My daughter boarded the plane to our destination". That is an incorrect and I have a proof of that.  I also never received an apology for insulting statements based on their inability to gather correct information. 

    Regards,

    ***** ******


    Business response

    12/19/2024

     

    Good day,

    We have thoroughly evaluated this claim and understand that the consumer is upset regarding a negative claim determination.

    Based on the policy's terms and conditions, the claim is ineligible for Cancel For Any Reason (CFAR) benefits.

    Regards,

    Seven Corners, Inc.

     


    Customer response

    12/22/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    They never answered any of my questions and concerns regarding their handling my claim.

    Regards,

    ***** ******
  • Complaint Type:
    Service or Repair Issues
    Status:
    Answered
    My daughter got sick on a trip in *** also we got stuck out of state, when the ********* went down, no flight day, so I had a sick and trip interuption issue. I have submitted all the details needed for her claim ( per the written requirements) that I was provided This was done Back on Aug 13th. This company continues to give me the run around. With extremely vague emails requesting more information. I provided receipts for everything and was actually told those ' are not proof' of purchase. They needed my credit card statements to prove I paid? nowhere does it say if you pay in cash we won't reimburse you. I asked for proof of that statement in writing, and was not given it. I did provide the credit card statement, but this is just an example of the run around. The other day after threatening to go to the BBB, they partially paid my claim. with no reason for the expenses, they didn't pay and telling me it was a $500 day max pay out, so reduced one payment to $1000, but the trip issue spanned 3 days. This company is just pushing me off continually to get me to give up. Another example. I was told I needed to prove the flight cancelation, so I send any documents. Only to be told, I didn't need to prove that. Each email asked for more detail, most of which had all been previously provided. This company needs to be exposed for this, and they need to pay my claim or give full justification for the unpaid expenses. And the Justification needs to fit the bounds of insurance policy.

    Business response

    10/31/2024

    Good day,

    Please see the attached response regarding case number: 22462305.

    Best,

    Seven Corners, Inc.

     

    Customer response

    11/10/2024

    I dont understand why this was closed. This is the first message Ive received since opening the complaint. This has not been fully resolved and Im still going back-and-forth with the insurance company. I would like this reopened if possible.

    Customer response

    11/11/2024

    Below is my answers to your above email

      Your complaint was assigned ID ********. We received the business's response to your concerns, and you can find the contents of the message below or attached.  

    To assist us in bringing this matter to a close, we would like to know your view on the matter.
    *Has the company addressed the issue of the dispute?

    They continue to partially address my claim and emails.  they have paid out more- but I have to continue to argue and prove them wrong and they have still not paid the full claim.  

    *If not, why?

    I can't explain why they are not. but it certainly feels liek they are just continuing to push back until I give up to pay less money

    *Has the company met the agreement they outlined in their response?

    Their responses are still not addressing my full request.

    My apologies for not missing this originally - please re open this claim

    Customer response

    11/12/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    [Provide details of why you are not satisfied with this resolution.]

    To assist us in bringing this matter to a close, we would like to know your view on the matter.
    *Has the company addressed the issue of the dispute?

    They continue to partially address my claim and emails.  they have paid out more- but I have to continue to argue and prove them wrong and they have still not paid the full claim.  

    *If not, why?

    I can't explain why they are not. but it certainly feels liek they are just continuing to push back until I give up to pay less money

    *Has the company met the agreement they outlined in their response?

    Their responses are still not addressing my full request.


    Regards,

    ******** N.********


    Business response

    11/12/2024

    Good day.

    Regarding case number: ********, the reimbursement was per the terms, conditions and limitations of the policy.

    The consumer is welcome to review the policy coverage provisions for further clarity.

    We uphold the reimbursement amounts as issued.

    Seven Corners, Inc.

    Customer response

    11/15/2024


    *Has the company addressed the issue of the dispute?The insurance company now has paid the maximum amount they can pay on this claim. But But I dont think with this complaint should be wiped from their record.

    *If not, why?
    They did everything they could not pay this claim. I had to go back-and-forth for months, with multiple emails and me asking over and over for the same thing.  This is completely unethical behavior. They did anything they could not to pay this claim and I had to push back, Repeat myself, catch them in lies and point out thing they omitted to answer and throw it back at them to get them to pay this claim. I probably have anywhere from 10 to 15 hours of time responding to emails keeping track of what they said, and what items were covered and which werent. Having to argue specific items and why they werent covered. To which they then later covered. 

    Has the company met the agreement they outlined in their response

    They have now have agreed to paid it. But I suspect thats only because I came here and made a complaint. Im still waiting on one more check in the mail I believe.  But they have agreed to pay it  

    Customer response

    11/20/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    [Provide details of why you are not satisfied with this resolution.]

    *Has the company addressed the issue of the dispute?The insurance company now has paid the maximum amount they can pay on this claim. But But I dont think with this complaint should be wiped from their record.

    *If not, why?
    They did everything they could not pay this claim. I had to go back-and-forth for months, with multiple emails and me asking over and over for the same thing.  This is completely unethical behavior. They did anything they could not to pay this claim and I had to push back, Repeat myself, catch them in lies and point out thing they omitted to answer and throw it back at them to get them to pay this claim. I probably have anywhere from 10 to 15 hours of time responding to emails keeping track of what they said, and what items were covered and which werent. Having to argue specific items and why they werent covered. To which they then later covered. 

    Has the company met the agreement they outlined in their response

    They have now have agreed to paid it. But I suspect thats only because I came here and made a complaint. Im still waiting on one more check in the mail I believe.  But they have agreed to pay it  

     



    Regards,

    ******** N.********


  • Complaint Type:
    Service or Repair Issues
    Status:
    Resolved
    In connection to the complaint and dispute with ********, both seven corners and EF have been silent and now seem to be ignoring the claim forms and documents sent. If Seven Corners has the 2022 claim noted as expired how can EF suggest I have it processed now? Is ** is trying to save face on this complaint board. I have asked Seven Corners to process the claim which was filed and fully initiated in 2022 (halted at EF direction). My father had terminal prostate cancer. The sum is over $5000. ** is responsible and lost it so to speak but are they able to have Seven Corners honor a claim now? We have begun contacting agencies for service of process. We would need to sue the school, EF and Seven Corners. We are not healthy. I provided documents. I cannot believe the added time, stress and money we will be forced to endure. Its truly shameful to build business at the expense of people, their lives and their health. If your employee and tour representative enters into an agreement and states that your money will be there, doesnt that employee represent the word of the company?

    Business response

    09/12/2024

    Hello,

    Please  see the attached response to this complaint.

    Thank you,

    **** *****

    Customer response

    09/12/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    I do agree that Seven Corners has responded and processed the claim.  We are grateful. The ongoing dispute is the amount that seven corners is issuing. EF advised them incorrectly of cancellation fees.  Seven corners has this withheld them.  Seven corners advised I need to deal with **.  EF tours did not have a policy to deduct an additional $300 when the Costa Rica tour was booked.  I understand Seven corners but please recognize our history with EF and that we cannot depend on them to confirm to seven corners numbers. we are entitled to $300 more each please.


    Regards,

    J Clisti


    Business response

    09/13/2024

    Hello,

    If Ms. Clisti can provide a more clear copy of the ** invoice, we can review further the payment amount. At this time we have appropriately paid based off the information provided by ** but would be happy to review further. Based upon what is legible on the invoice, there are items that are not claimable such as the insurance premium and monthly payment fee to **. We can provide a further explanation once a better copy of the invoice is received. If a discrepancy still exists at that time, we will reach out to ** again for the information. This can be emailed directly to: ************************************************************************.

    Thank you,

    ****

    Customer response

    09/18/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    Thank you for your attention.  I have sent over statements and appreciate your quick response to them.  Once we have resolved the ********** claim, we will be cancelling the Japan portion and look forward to working with you directly to make it seamless.  I am happy to close this complaint once the totals for reimbursement have been correctly established (conflict with what ******** provided you). Thank you.

    [Provide details of why you are not satisfied with this resolution.]

    Regards,

    J Clisti


    Business response

    09/23/2024

    Hello,

    The claim has been processed for payment and we have communicated the breakdown of payment to Ms. ****** today. That amount has been confirmed with ********. At this time, there is no further action for Seven Corners to take on the claim. We have asked Ms. ****** to reach out directly to EF Tours for any questions on the amount paid. 

    We have also already received the claim for the additional trip. this was received on September 2, 2024. This claim is currently under review and if additional information is needed, we will contact Ms. Clisti  directly. 

    Customer response

    09/23/2024

    Better Business Bureau:

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

    Thank you Ms. ***** for your time and your professionalism.  Seven Corners is lucky to have you.  I truly appreciate you stepping in and for your help with the claim.  I am confident with you on the Japan claim things will go smoothly.  Thank you.



    Regards,

    J Clisti

  • Complaint Type:
    Billing Issues
    Status:
    Answered
    Fraudulent company has not paid valid claim. All required and necessary documents were submitted.

    Business response

    09/12/2024

    Hello,

    Please see the attached response to this complaint.

    Thank you, 

    **** *****

  • Complaint Type:
    Sales and Advertising Issues
    Status:
    Answered
    I purchased travel insurance for a trip and was denied reimbursement after appealing. I had a sinus infection during my travel dates and was unable to fly.

    Business response

    09/20/2024

    Good day,

    Please see the attached response regarding Complaint ID Number: ********.

    Best regards,

    Seven Corners, Inc.

  • Complaint Type:
    Product Issues
    Status:
    Answered
    My child was scheduled to travel to the ****************** through EF Educational Tours in June of this year. Due to issues with flooding at the ************* (they were to fly from ************ and connect in ***** and then on to ********************), they were not able to reach their destination. Their flight was diverted to ******************** where they sat for over 36 hours. The airline was not able to get them on another flight to ***** nor the ****************** so she and her classmate had to come home. I filed an insurance claim for the cost of the trip because they were unable to travel through no fault of their own. The company only compensated me 1000 dollars out of the 3500 that was owed stating that the only way they would have paid the full benefit is if someone had died or been gravely ill. This is very unfair. I thought the point of travel insurance is to reimburse you if there is an issue and you are unable to travel. There was no way for them to reach their destination. I am a school teacher and this was a hardship for me to pay for this trip and now I am out money that I can never get back.

    Business response

    08/07/2024

    Good day,

    Please see the attached response involving file number: 22070151.

    Best regards,

    Seven Corners, Inc.

  • Complaint Type:
    Service or Repair Issues
    Status:
    Answered
    I sustained a very bad fall while on my trip to ****************** to visit my fiancee's family in ******, I purchased seven corners insurance for this trip because I was worried about being hurt and not covered like I was in *******, being from ******* myself, I thought to purchase seven corners but that was a huge mistake. This experience has been nothing short of hellish.I started my claim on 3/31/2024 and it is now 6/24/2024, almost 3 entire months and seven corners keeps beating around the **** making every excuse in the book not to pay me. Every time I call, their phone agents just blow me off and "create a case" then say "someone from our team will get back to you in 3-5 business days" the same corporate garbage every support agent tells you, I've given them everything they've asked for and more, I was taking a hike and I had a pretty bad accident, I hit my abdomen really hard when a rock slipped below my feet and I fell. I called an ambulance and was rushed to the nearest hospital, my partner gave them my seven corners travel insurance card and all was well, or so I thought. Upon being billed for my services I was told by the hospital that I'd need to pay out of pocket and then be reimbursed by seven corners after, no big deal I thought because I had trust. Not anymore. I was treated very nicely and was discharged sooner than I thought by the hospital, I am still in pain but I'm managing, what's making the pain worse is seven corner's customer service, so far they have asked for : A Fraud Statement From me,A Completed form for payment (which they never gave to me, I still need to give them my banking info as what they have on file is invalid),My itemized ambulance bill,A completed subrogation form ******** hospital bill *** a LOT more They assured me I had $60,000 of coverage behind me, but they've completely failed me, I've spent $7998.43 USD out of pocket that they've GUARANTEED ME. They just lie, lie and lie again.

    Business response

    06/27/2024

    Hello,

    Please see the attached response to this complaint.

    Thank you,

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

    Customer response

    06/27/2024

    Better Business Bureau:

    Can you tell me exactly what's needed and I can do my best to find this out? Like what is a lost passport report? Who can I speak to over the phone about this, I've never been hurt like this before and I've never had to deal with all this confusing paperwork. I'm so stressed out.

    Regards,

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


    Business response

    07/02/2024

    Hello,

    The insured may contact our *************************** for claim assistance. I have places the contact information below: 

    TOLL FREE **************

     WORLDWIDE  **************

    COLLECT **************

    In regards to the request for a lost passport report, this would be any report made at the time the passport was lost or documentation showing the passport was lost when obtaining the new passport.

    Thank you,

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

     

  • Complaint Type:
    Billing Issues
    Status:
    Answered
    I purchased travel insurance from Seven Corners, policy # 1TPB23-A05-121034. I broke my leg in ****** Feb.25th. They got me home w/o a problem. The problem is getting reimbursed for my French medical expenses and non refundable hotel reservations. This accident happened on the first day of our trip. My wife filled out the Payment Authorization Form. She marked the box CHECK as the desired the payment type. Unfortunately she also put my checking account number on the Payment Form. The checking account number she listed was INCORRECT. ********************** had Corpay send payments to an incorrect checking account. My bank, ***** Fargo, say no fund were place in my account or in the incorrect account. My bank said if the name on the account does not match the account number NO funds would be transferred. Seven Corners has been contacted about this error and they said the accounting department has requested information about this transfer from Corpay. I have been trying for about 6 weeks to get an answer from Seven Corners as to where these funds are located. There are two tracking number from Corpay so why can't they tell me where the funds are located. The funds are approximately $4000. It seems to me that if Seven Corners contacted Corpay with the tracking numbers the location of the funds would be immediately evident. PLEASE HELP. I am getting nowhere with Seven Corners

    Customer response

    05/31/2024

    Here are the Payment Confirmations (2)  and  the Payment Authorization Form

    Business response

    06/06/2024

    Good day,

    Please see the attached response involving case number: 21781380.

    Regards,

    Seven Corners, Inc.

    Customer response

    06/17/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    [Provide details of why you are not satisfied with this resolution.]

      This complaint, # ********, has NOT been resolved.  Seven Corners Insurance has partially resolved this compainl.  I have received one check for the smaller amount,  $869.15,  of the misdirected funds.  The second amount, $3,861.14, is still lost in cyberspace.  I am told they will not issue me a check until the funds have been recovered and they are unable to give me any reassurance that will I ever see the misdirected funds.



    Regards,

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


    Customer response

    07/01/2024

    I have NOT received the funds for the second check.  Seven Corners stated they can not issue a check until they have received funds from Corpay.  The funds would be in the same location as the funds for the first check.  I do not know why they are having such a difficult time locating these funds.  I thought every electronic money transfer is traceable.

    Business response

    07/02/2024

    Good day,

    Seven Corners is in receipt of the follow-up query involving complaint number: ********. Seven Corners is a claims administrator for the above plan that includes short-term travel insurance benefits underwritten by United ***************************** and we appreciate the opportunity to address ****************** concerns.

    Seven Corners has contacted Mr. ****** financial institution: ***** Fargo, regarding Mr. ****** misdirected $3,861.14 payment.  

    **************** stated that they are unable to discuss this concern with Seven Corners because the bank does not have authorization from the account holder.

    ***** Fargo requested that ************** (the account holder) contact them via telephone at ************* and refer to the following case number: 06202406244393279.

    ***** Fargo is available at the above contact number Monday through Friday from 7:00 a.m. to 3:30 p.m. Central Time. 

    Regards,

    Seven Corners, inc.

     

     

  • Complaint Type:
    Product Issues
    Status:
    Answered
    On 3/1/2024 I purchased Seven Corners' Travel Medical Annual ******************** policy commencing on 3/3/2024. The policy requires maintenance of insurance coverage in the ** to remain eligible for coverage. The issue arises when shortly after I singed up I realized I no longer had coverage in the US. As soon as I found out I reached out to Seven Corners to cancel my plan, hoping to get a pro-rated refund of my premium. However, they are refusing to return my premium stating that I had to cancel before I started my trip. I am now in a position where I am paying for a service I am no longer eligible for, which is quite frustrating. I would like for Seven Corners to return a prorated refund as I am being forced to pay for a plan that will not cover me in the event of a medical emergency. Indeed, I have been forced to buy other travel insurance as a result of this, though I remain in the hole the premium that Seven Corners refuses to return.

    Business response

    04/02/2024

    Hello,

    Please see the attached response to this complaint. Let me know if you have any additional questions.

    Thank you,

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

     

    Customer response

    04/03/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 

    This is no longer worth pursuing as you have made it clear you will not refund me, but I want it to make it very clear that I find this practice reprehensible. I have not asked for a full refund and have been transparent throughout this process. Your insistence on keeping my full premium despite this is obscene. I will only have negative things to say about Seven Corners and will certainly never recommend it to any peers.


    Regards,

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


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