Complaints

• Initial Complaint

  01/21/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I canceled the policy with you in October of 2022 and you have taken out the price of 55 payments of $172.43 AND 1 FOR $282.27 A TOTAL OF $1444.42/ i NEVER GOT A POLICY SO i THOUGHT IT WAS CANCELED, wHEN iI CHECKED MY BANK STATEMENT I FOUND YOU HAVE BEEN TAKING THIS MONEY OUT SINCE OCTOBER 2022 TO MAY 2022 WITHOUT MY PERMISSION. yOU OWE MY MONEY BACK FOR $1333.32 I HAVE NOT YET GOT MY REFUND, i WNAT IT NOW. DON'T DO ME THE WAY YOU HAVE TREATED OTHER CUSSOMERS ,i HAVE READ THE CUSTOMERS COMPPLAINTS AND SEE THAT IS A NORMAL PRACTICE FOR YOUR COMPANY. sO JUST SEND ME A CHECK FOR $1444.42. IF I DON;T GET IT WITHIN S 2 WEEKS i AM TUR. A FRAULKENT COMPLAINT THIS IS FRAUDNING YOU IN TO THE BBB, AND FILING A COMPLAINT WITH THE ATTOTNEY GENERAL. THIS IS AFRAUD, AND A NORMAL PRACTICE OF YOUR COMPANY

  Business response

  01/25/2023

  We appreciate the notification concerning a consumer complaint. However, we are unable to respond in this public forum. Pleased be assured that we will address this matter and respond directly to the complainant in a separate letter.

• Initial Complaint

  12/20/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I'm reaching out on behalf of my elderly mother. This company has taken advantage of an elderly person a clean break is needed. Policy 1 - Informed policy was term life and only $3,000 but original with PUL was whole and $7,000. Policy 2 - In early '22 loan was taken on policy by the company to pay late fees without an agreement or signature by the policyholder, Nov '22 $3,000 policy was canceled, and only received $1755 when the policy has been paid into since Sept 2006. I was told the policy term, but the original policy was whole before the company was bought out (original company Penn United Life). Policy 1 - Informed policy was term life and only $3,000 but original with PUL was whole and $7,000. For Policy 2 - a total amount of at least $3,000 should be returned not the original $1.755. A fully paid-in amount is preferred. For Policy 1 - The original policy agreement with PUL showing the arrangement before the Baltimore Life buyout, the Agreement that any policy cancelation should include the full paid amount (since Sept 2006).

  Business response

  01/25/2023

  Business Response /* (1000, 5, 2022/12/21) */ We appreciate the notification concerning a consumer complaint. However, we are unable to respond in this public forum. Pleased be assured that we will address this matter and respond directly to the complainant in a separate letter. Consumer Response /* (3000, 7, 2022/12/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) There has not been anything received. Business Response /* (4000, 9, 2023/01/03) */ We appreciate the notification concerning a consumer complaint. An acknowledgement of this inquiry was sent to the consumer's address of record on December 21, 2022. However, we are unable to respond in this public forum to the consumer's concern. Please be assured we will address this matter and respond directly to the complainant in a separate letter.

• Initial Complaint

  07/04/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  In April of 2012, I spoke with Jeffery *********** of Capper"s Insurance in my home about a life insurance insurance policy for final expenses. My son, Lee ******, was there also and it was determined that a 10 yr plan at $45.90 per month would give me $5000. policy. I have paid the premiums for 10 plus years. My son had the insurance packet provided for safe keeping. While my son Lee was preparing his 2022 taxes, he brought the Capper's Insurance packet to me and said it should be paid up, had I heard anything from the company. I contacted Baltimore life, the underwriter of the policy, on April XX XXXX to inquire about the policy. I was informed I had been signed up for a 30-year whole-life policy. I advised this was not the case, I had signed up for the 10-year policy. Cindy ****** at Baltimore Life, Manager of Policy Holder Services addressed this issue. Baltimore Life has offered nothing to resolve the issue. I would like a refund of my premiums for the past ten years, this is what I believed I had signed up for, my son, Lee ****** had also been at the meeting with Agent Jeffery ***********, and my son said the ten-year policy sounded good. Jeff and I did the paperwork, but I was never provided an original policy copy. At first, I thought this was a mistake, now I believe it was a fraud committed against an elderly person.

  Business response

  07/08/2022

  Business Response /* (1000, 5, 2022/07/08) */ Contact Name and Title: ******* ***** Contact Phone: XXXXXXXXXX Contact Email: ************************** We appreciate the notification concerning a consumer complaint. However, we are unable to respond in this public forum. Pleased be assured that we will address this matter and respond directly to the complainant in a separate letter. Consumer Response /* (4200, 12, 2022/07/30) */ I rec'd papers from the Baltimore Life and noted on a copy that there is nothing filled out as to the terms of the agreement-which was to be the 10 year pay plan we discussed would be best in my situation which was my age - thus the 10 year plan discussed and decided on- It is obvious by the lack of terms there was not a clear "meeting of the minds" The lack of terms is ether fraud, negligence, or a mistake. Based on what has been submitted I believe is clear evidence, this issue should be resolved in my favor. Thank You Business Response /* (4000, 14, 2022/08/01) */ We appreciate the notification concerning a consumer complaint. However, we are unable to respond in this public forum. Pleased be assured that we will address this matter and respond directly to the complainant in a separate letter. Consumer Response /* (4200, 21, 2022/08/14) */ Baltimore life took 10 years of 45.90 based on a form I did not fill out. I was not provided a copy of the policy, Jeff Brown lied, Jeff never provided me a copy of the policy, nor did Jeff inform me of the change of terms. The form Jeff filled out was not complete. Subsequent inquiries Baltimore life refused to provide a copy of the policy. Please refund the balance of my payments. The lost policy certificate says it was issued on March 1, 2012. Issue date for policy receipt is April 24, 2012. So which is the actual issue date? Baltimore Life's records are incorrect. The Agent Jeff Brown lied. Baltimore Life's refusal to send the policy when requested. Lost Policy certificate is for Silver Guard - Life Pay II, Plan - B SG WLN/II application is for Silver Guard 1. This is so convoluted. Please refund my premiums, or correct the fraud/mistake, then refund my premiums. Business Response /* (4000, 25, 2022/08/25) */ We appreciate the notification concerning a consumer complaint. However, we are unable to respond in this public forum. Pleased be assured that we will address this matter and respond directly to the complainant in a separate letter.

• Initial Complaint

  04/21/2022

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I called them 3/27 to cancel life insurance policy & surrender cash value.they sent me a form I mailed 3/28. Never heard from them called 4/18 they said they never received the form would send another one out. Called local office 4/20,left message ,no response. I also sent them an email 4/11 , no response. I cancelled the auto draw. Please help every month they take out a service fee soon will have no cash value..thank you

  Business response

  05/05/2022

  Business Response /* (1000, 5, 2022/04/22) */ We appreciate the notification concerning a consumer complaint. However, we are unable to respond in this public forum. Pleased be assured that we will address this matter and respond directly to the complainant in a separate letter. Consumer Response /* (3000, 7, 2022/04/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) they were to send me another surrender form when i spoke to them on 4/18,as they said they never received the first form,never received it. I called again 4/20,no answer,left messageI also called local office,no one has returned my calls. Every month they deduct a service fee from my balance. Terrible customer service,the letter they sent me said they would research it & get back to me in writing within 15 business days, it has already been since 3/26!!! I have not been able to contact them by phone,never any answer & don't respond to messages.. Business Response /* (4000, 9, 2022/05/02) */ We appreciate the notification concerning a consumer complaint. However, we are unable to respond in this public forum. Pleased be assured that we will address this matter and respond directly to the complainant in a separate letter. Consumer Response /* (2000, 11, 2022/05/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)

*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. ↩