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:04/10/2025

  Type:Billing 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 CALLED MY SO CALLED AGENT INFORMING HIM I HAD A DEATH IN THE FAMILY AND I NEEDED TO CANCEL OR DELAY THE POLICY AND HE REFUSED TO DO SO HE CLAIMED HE COULD NOT CANCEL THEN HE CLAIMED HE WAS SICK IN THE HOSPITAL THEN HE TOLD ME I HAD TO CONTACT CUSTOMER SERVICE. IT WAS ONE EXCUSE AFTER ANOTHER I FIRST CONTACTED FEBRUARY 16TH 2025 THEN AGAIN ON FEBRUARY 24 2025 THE AGREEMENT WAS PAYMENTS WERE TO START ON MARCH 4TH 2025 THEN I RECIEVED A PHONE CALL TELLING ME I DIDNT GIVE A 72 HOUR NOTICE SO UNFORTUNATELY THEY COULDN'T CANCEL THE PAYMENT BUT IN FACT I GAVE WELL OVER A 72 HOUR NOTICE. WELL THEN I WAS TOLD THAT AN EMAIL WOULD BE SENT FOR ME TO SIGN TO RECIEVE A REFUND AND STOP ALL PAYMENTS AND AGAIN RECIEVED NOTHING YET ON MARCH 6TH THEY TOOK $93.89 AND AGAIN ON APRIL 2025 THIS CAUSING HARDSHIP, OVER DRAFTS FEES, ACCOUNT IN THE NEGATIVE STATUS AND STRESS ON TOP OF THE DEATH OF MY MOM ON FEBRUARY *******

  Business Response

  Date: 04/11/2025

  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

  Date:09/16/2024

  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.

  My mother ********* ***** had an insurance policy for my sister, but she passed away on December 28 of 2012 my father who was still I live at the time refused to do anything with it. He passed away on February 27, 2021, and in October of 2023 I became head of HIS estate, and I reached out to Baltimore Life to see what I could do about it the said I had to do an ownership change and sent papers for me to sign (which I did) and have been in a back and forth of them sending be papers and me sending them back. They say that the admin of the estate must sign (which I am of my ************** which I was told should also cover anything for my mother (*********) state to.

  Business Response

  Date: 09/23/2024

  Good morning:

  We appreciate this notification.

  It is our understanding the consumer has a concern regarding an ownership change request.   To protect the privacy of the consumer we cannot respond in this public format.   However we can assure the BBB, the matter will be investigated, and a written response will be provided directly to the consumer within 10 business days.

   

  Customer Answer

  Date: 09/30/2024

   
  Complaint: 22292583
  
  I am rejecting this response because: I received now they want the insured (******* A ******) signed as Current Owner. 1. I already told them that my sister the Insured does not want anything to do with them hence why I am dealing with this. 2. I already had her sign (After fighting over it) a copy of an Ownership changes with I already uploaded which show she did sign it. This could easily be solved but the refuse to speak with me into my name is placed on the policy. I treid to explain to them that my deceased father took care of my mother estate but missed this and I now head of his estate
  
  Sincerely,
  
  ******** *****

• Initial Complaint

  Date:09/15/2024

  Type:Billing 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.

  The Baltimore life company began to take money from my bank account without my permission. I ve never bought any insurance from this company and do intend to. I called the company and asked them for clarification and told to cancel any association with me. They sent me an Application to Cancel form. I filled it out, thinking that this would be the best way to sever contact with them. They sent me another bill,then returned my Application saying that it was not what they wanted. They then sent me another copy of the form. I also filled it out and mailed it back to them. They sent me another bill with a warning about not paying them. I need your help in getting them to cancel any contract with me and quit billing me for insurance I never applied for and dont want.

  Business Response

  Date: 09/23/2024

  Good morning,

  We appreciate this notification.

  It is our understanding the consumer is disputing the issuance of a life insurance policy and the premium payment transactions.   To protect the privacy of the consumer we cannot respond in this public format.   However, we can assure the BBB the matter will be investigated, and a written response will be provided directly to the consumer within 10 business days. 

• Initial Complaint

  Date:01/21/2023

  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 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

  Date: 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

  Date:12/20/2022

  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'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

  Date: 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

  Date:07/04/2022

  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.

  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

  Date: 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.