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:08/31/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore 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.

  Insurance express.com keeps emailing me MULTIPLE times a day telling me I am missing documents to proceed with my homeowners insurance. I already purchased homeowners insurance when closing on my home and its all settled and paid for. So this company is FALSELY telling me my home insurance isn't active and that documents AND payment otherwise my policy WILL BE CANCELLED. HOW IS THIS LEGAL? this is a SCAM trying to get money and then potentially leaving me with 2 policies to pay for... That's assuming even that part of what they are saying is legit. maybe they're just taking peoples money. They also HAVE and are referencing my actual policy number in the correspondence. What other personal information of mine did these people pirate from god knows where. I have reported the emails as spam. I have responded multiple times telling them to STOP contacting me ... and they just KEEP emailing me. I want it to stop. and it would be nicer if they were investigated to see if these practices are even legal. I don't see how it can be.

  Business Response

  Date: 09/05/2023

  Ms. **** is a client of our agency, Insurance express.com as it states on her application. She stated we have the correct policy number,**************, because we are her agency. The policy was pending cancelation as she never signed the application. Our CS Dept., was making every effort to communicate the urgent need for the signed application.

    As of this am she did sign the app and it was uploaded tot he ****ier on 9/5/23, her file is now in good standing.

   Her agent Daniel M******, has attempted to call her and explain. I do recommend if she intended to keep this policy she add  @insurancdeexpress.com to her safe senders list.  We will only contact if there is an urgent issue with her file, as we were doing in this case.

   

  Customer Answer

  Date: 09/05/2023

  
  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. 

  I had asked someone i was working with to get the mortgage and when i showed them the email they had said it was SPAM and that I would receive tons of mail/correspondence like that and to be careful. They were obviously in fact wrong so I apologize. I just was being over cautious.
  
  Sincerely,
  
  ********* ****

• Initial Complaint

  Date:04/28/2022

  Type:Sales and Advertising 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 have received multiple unwanted communication call from this company. I did not inquire or request any information regarding "quotes" from any companies including LCN. I spoke with a gentleman name Leo M******* who claimed that i have LCN consent to call me. I am requesting tat written consent. The communication was unwanted, and was made without my express invitation, permission or consent. My number has been registered on the National Do Not Call Registry. As you are, or should be aware, the Telephone Consumer Protection Act (TCPA) makes it illegal to solicit sale to a cellular device, via call or text message. Again, by virtue of your multiple unwanted communication, you have violated multiple provision of the TCPA, and in so doing, exposed yourself to substantial statutory penalties

  Business Response

  Date: 04/29/2022

  Good morning,
  
  Mr. ******** was contacted by LCN, not Insurance Express.  Insurance Express is not in any way associated with Mr. ********* 
  
  LCN does not call consumers of which have not opted-in to its program. Mr. ********** opt-in started on 12/14/2020 and he has interacted with LCN and received quotes on several occasions. Per his initial opt-in, and as stated each time he interacted with LCN, he could’ve opted-out at any time.  As soon as we received his letter, we opted him out per his request.  Here are all the dates Mr. ******** requested quotes:
  
  12/14/2020
  08/03/2021
  11/03/2021
  12/22/2021
  01/25/2022
  
  We have the IP address Mr. ******** used to opt-in.  We can also provide the website he used to opt-in.  Please let us know if you require any further details. 
  
  Thank you. 

  Customer Answer

  Date: 05/05/2022

  
  Complaint: 17118***
  
  I am rejecting this response because I did not consent to, authorize nor benefit from this company. I have never done business with LCN or Insurance Express. This call was unwanted and was made without my prior consent. This company did not acknowledge the fact that my number is registered on the National Do Not Call list. The company stated that they have acquire an allege ip address. Please provide that. I am requesting that the company also provide a written consent that shows that I, the living consumer, gave them (LCN/INSURANCE EXPRESS) the permission to call.
  
  Sincerely,
  

  ********************** Agent/Beneficiary

  Without Prejudice UCC 1-308

  All Natural Inalienable Rights Reserved.