Complaints

This profile includes complaints for Selman & Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Selman & Company

  One Integrity Parkway Cleveland, OH 44143

• 

  Selman & Company

  3600 Clipper Mill Road Suire 226 Baltimore, MD 21211

• 

  Selman & Company

  3600 Clipper Mill Road Suire 226 Baltimore, MD 21211

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:01/27/2025

  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.

  Selman has refused to pay services for our ******* Secondary plan with them. Most recently, they arbitrarily terminated our policy, or rather refused to pay for services with health care providers. Their excuse was that my company (******) pays all the premiums at once as part of a group policy, so the timing of it just worked for them to say my policy is terminated. It is not terminated and I have still been paying out of each paycheck for my policy with Selman. Selman and Company's entire business model is predicated upon going the insured will just give up after Selman drags their feet and delays paying for services or denys the claim for reasons unknown.

  Business Response

  Date: 01/28/2025

  The issue for the insured has been resolved. 

• Initial Complaint

  Date:01/23/2025

  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.

  Company has been debiting my mother's bank account for an accidental death insurance policy on my stepfather's life. I contract the company upon review my mother's bank statements after she passed. He passed 1/1/2017. I sent them a copy of his death certification. They indicated that would refund excess amounts charged and stop debiting the bank account. They have done neither.

  Business Response

  Date: 01/28/2025

  A representative from our company has been in contact with the complainant and we are resolving the issue. The representative will remain in contact until the issue is fully resolved.

• Initial Complaint

  Date:12/23/2024

  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.

  I have had multiple issues with this company in paying insurance claims on a ******* supplement plan. Most recently, I sent in my claims via certified mail on Nov 5, which were received by the company on Nov 12. I called on Dec 23 to get a status, and I was told by the agent they had no records of the claims and to email them. Ironically I have emailed claims in the past which are never received and have been told to mail. I just want my final claims with this company paid. They seem to have issues tracking and making timely payments to their customers. This is the second time I've had to contact the BBB on this company.

  Business Response

  Date: 12/30/2024

  A representative has reviewed the information per the complaint and reached out to the insured to advise the next steps.

  Business Response

  Date: 12/30/2024

  The representative contacted the insured and went over the issue per the complaint. The insured is working directly with the representative to resolve the issue.

  Customer Answer

  Date: 01/01/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  I did receive contact from the company but will keep this complaint open until the claims are paid by the insurance company.

   

  Regards,
  

   

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

• Initial Complaint

  Date:12/19/2024

  Type:Service or Repair 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.

  My deceased mother’s ************ supplemental insurance policy remains active although, as instructed by two Selman & Co. (policy administrators) phone reps on November 9 I mailed her death certificate along with a cover letter to Selman & Co. Customer Service at their One Integrity Parkway address. (A refund of premiums paid since her passing, I’d been told, was to be issued within 60 days). Having heard nothing in over a month – and with another withdrawal taken December 6 for another monthly premium – last week I mailed a personal letter, along with another death certificate, to Elizabeth *********, VP of Customer Contact Services, which I copied SVP & COO Cheryl ***** on and mailed separately to her (letter included with this complaint). In all correspondence I’ve offered both my phone number and email address, but I’ve still yet to hear from anyone regarding this matter.

  Business Response

  Date: 12/23/2024

  We have been in contact to address the complaint and advised we are working to resolve the issue. 

  Business Response

  Date: 01/06/2025

  The department for issuing checks was short staffed due to the holidays. The check is being sent out today. The coverage was terminated per policy language. 

   

   

  Customer Answer

  Date: 01/09/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  ******* *******
  
  A check was received by FedEx about 5pm today. Thank you.

  
  

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

  
  

• Initial Complaint

  Date:11/21/2024

  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.

  Oct 10, I spoke with customer service rep Leslie about taking a loan out on my policy. I was told to submit the application, and would have the check in 10-20 business days. I called to verify that my application had been received, and yes it had, everything was in order and processing. 10-16, I called back, only to be told that I needed to Resubmit using a WET signature, but could fax it in, which I immediately did, AND also emailed a photo copy. Again, called to verify that everything was in order, and Yes it was - process would be 10-20 business days. Here's the dates I've called for updates: 11/4, 11/12, 11/13, 11/14, and on 11/15 @ 10:45 am, I was told AGAIN by cust rep Leslie that everything was processed, and that she was going to meet with management in a minute to EXPEDITE the loan, that she didn't know WHY it wasn't mailed out already. She let me know that Friday was "their check cutting day." That afternoon, I received a voicemail from Leslie that my check would be "in the mail next week." Today is 11/21/24, and I still don't have a check, and even the customer service rep Francis that I spoke with at 8:15am couldn't tell me where the check is, or if and when it was mailed, but will have a mng call me at 10 am when they get to work. I was told multiple times (at least 10) that I would have the check in 10-20 days. I shouldn't have been so trusting of their given timeline. In ALL fairness, THEY should have been upfront and honest with me, stating that it was possibly going to be up to 60 days. I was told 20 days max, and trusted in that. The loan money was to pay my copay for my back surgery, and also for a ticket I received in Kansas. No money, no court appearance. I'm a 63 yr old retired, disabled teacher, who is devastated! Yesterday, my driver's license was suspended, a warrant for my arrest was issued, and my car insurance was cancelled - none of which would have taken place if I had my check from Selman & Security Life - as I was told.

  Business Response

  Date: 11/25/2024

  Our office has responded to the insured and will be sending her the document today.

• Initial Complaint

  Date:11/05/2024

  Type:Billing 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.

  I've had an insurance policy for many years, the second installment for 2024 due Jun 1, 2024. I believed to be in the grace period, but I received a termination notice dated August 14, 2024. In the meantime, I have a canceled check, clearing my bank on July 8, 2024. I contacted a representative, Steve *******, both by numerous phone calls and emails, asking if my policy is still viable, or, if not, to please return the premium they cashed. Mr. ******* has told me he never received the emails and then gave me the member services email, which also supposedly was never received. He then gave me fax numbers to try, both to no avail. I'm extremely frustrated and hope to get my money back.

  Business Response

  Date: 11/07/2024

  Our office has telephoned the insured advising the complaint is resolved. A confirmation letter was also sent to the insured for their files. 

  Customer Answer

  Date: 11/07/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  ******** ****
  
  
  

• Initial Complaint

  Date:09/08/2024

  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.

  I have been trying to contact this business for over two weeks now with no response. This company allowed a change of address on my insurance policy, and I have a POA. I need to speak with someone about this and get more information on my insurance policy.

  Business Response

  Date: 09/12/2024

  A representative reached out to the insured and was unable to reach them. A voicemail was left with call back information for the representative. The insured has not contacted the representative as of yet. 

  Customer Answer

  Date: 09/16/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  The prior details provided is not fact but lie. Someone contacted me on September 13, 2024 at 5:57 pm and I spoke with a female representative only for her to ask what’s my inquiry. Once I provided that, she said she would have to forward my inquiry to someone that could assist me on Monday. To this day, no one has followed up with me and my inquiry has not been resolved. 
  
  Regards,
  
  ****** *******
  
  
  
  
   

  Business Response

  Date: 09/24/2024

  A representative has contacted the family member assisting the insured by telephone and email. The documents requested were sent by email per request. The family member has the contact information for the representative for any future assistance.

   

• Initial Complaint

  Date:06/20/2024

  Type:Service or Repair 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.

  My husband's company, ******** ********************* ******* ****** ****** **. to Veterans for Tricare supplemental insurance. I've submitted claims mutiple times, the first for 2024 in March, without the business paying/processing or providing any follow up on the assessment of the claims, all of which are valid under the insurance policy. The company claims paperwork was never received (though I did receive a letter saying they received the claims) and there is no indication of processiing in the company portal, when contacting company representatives, or other. This is not the first time I've had issue with this company, the first being as a customer in 2022. I desire for the company to process the claims, provide payment and adhere to the 30/60 day processing time it indicates in the plan.

  Business Response

  Date: 06/24/2024

  Insured was contacted and assisted, their inquiry was completed.

  Business Response

  Date: 06/26/2024

  Our office has contacted the insured a second time. The insured stated they received the prior communication and reviewed the information and is aware the issue was taken care of.

  Customer Answer

  Date: 06/26/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  
  Regards,
  
  ****** ***************
  
  
  

• Initial Complaint

  Date:02/20/2024

  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.

  I was shocked to see my almost exact scenario just posted on BBB on Jan24....this seems to be a pattern. Feb. 20, 2024, I was in middle of the process of filing for *** coverage when to my surprise I received that my claim had been denied for non-payment. Like others SelmanCo customers, I pay quarterly for this policy. And I always get a statement in the mail to make the payment. Ive been doing this since the beginning of the policy in 2017. And after the call ended with the Hartford *** agent that I was being declined, I realized I had never received any statements of any kind. I looked online and saw that my policy said terminated. So I called immediately to figure out what was going on. The rep said they had mailed the statement of payment due. Then also mailed a 2nd notice. Then also mailed a termination notice for my *** insurance policy. I've never received any of these three notices that they claim to have mailed over several months. I asked if I could pay now. He said the only way to get the policy re-instated was to write a letter. I'm currently in the process of sending this re-instatement letter now. But I find in interesting that I stop receiving all mail/correspondence (including statements) from them when I submitted a *** disability claim in 9/2023, which I was informed I needed to wait until Feb 2024. Which I filed again in Jan 2024, but now I've been denied for non-payment. So seems like they are trying to get rid of those who file a disability claim in an unethical manner. I find it suspicious that I did not receive any of the supposed communications about this from them via mail over several months time, when I've lived here since 2006. My goal is simple: I want my original *** policy back. I've been paying it since 2017 only to be cut off in suspicious manner once I actually file to a claim. Quoting other complaints: "Something is not right here." Seems like discrimination against those filing claims for Long Term Disability.

  Business Response

  Date: 02/21/2024

  Dear Mr. *******, 

  I am very sorry that you did not receive our 1st, 2nd or final notice for payment.  I am showing that all three notices were mailed on schedule.  The first billing notice was mailed on 9/20/2023.  The second notice was mailed on 10/21/2023.  The final termination notice was mailed on 12/2/2023.  I see that you spoke with our CSR who informed you to send a reinstatement request to my attention.  I am approving your reinstatement request.  Please send two quarterly payments, $235.95 each.  This will get you paid thru 4/17/2023.  We can then resubmit any claims you have outstanding.  Claims will only be paid if your account is active.  

  I have confirmed with our US Postal service and our mail service that the mail from our company has been picked up and delivered to the US Postal service.  It is not clear why you have not received any of our invoices.  You may want to check with your local branch to determine if they have experienced any delays due to weather, staffing, etc.  You may also view your bills on our eService portal.  **************************  They will be located under the "Correspondence" tab.  If you prefer, we also over the option for automatic payments.  I have included the form with this response.  

  Please send your payment to my attention, along with the completed Automatic Payment form, if you choose this option.

  The Hartford, Attention E. *********

  1 Integrity Parkway

  Cleveland, OH  44143

• Initial Complaint

  Date:01/24/2024

  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.

  DECEMBER. I believe the 20th, 2023 I realized I had not paid my term life Insurance premium. I pay quarterly. I always get a statement in the mail to make the payment. I realized I had not received the statement from I believe it should have been due in October. I called immediately to make the payment. The online service would not accept my payment. I tried several times. There was no one at the time available to speak with. I looked online and my policy said terminated. I called the next day during business hours. The representative said they had mailed the statement of payment due. Then also mailed a late notice. Then also mailed a termination notice for my life insurance policy. I never received any of these three notices they claim to have mailed over the two months. I asked if I could pay now and have it reinstated. She said the only way was to write a letter asking for reinstatement. Has to be signed and mailed. Asked if I could fax it and was denied. I wrote the letter immediately and mailed it the very next day. December 22, 2023. As of today 1/24/ 24 I have received NO response. I emailed them asking if they had received my letter and letting them know I will be contacting BBB. I just turned 50 in November. This was a policy I originally had with The ******** apparently purchased a while back by Selman Co. Now it seems they are trying to get rid of me in an unscrupulous manner. That is my feeling in this. To not receive any of the communications about this from them via mail over 2 months time, when I am receiving all other mail with no issue in the same time period is suspicious. And no response in return to the letter requesting it be reinstated. I'm not looking for a freebie. I want my policy back at the same rate. I've been paying it since 2013 only to be cut off in suspicious manner at the age of 50. Something is not right here. Seems like age discrimination. I have attached pictures of copies of letter and addressed envelope where I was told mail it.

  Business Response

  Date: 01/25/2024

  We have reviewed the complaint and have determined  Ms. ***** can have a one time reinstatement of her policy.  We were able to confirm that the first billing notice was mailed 9/12/2023.  A second notice was mailed 10/14/2023 and a lapsed notification was mailed 11/23/24 to her as well as to her Lapse ******** **** * ****r.  All the notices are located on the insured portal that Ms. ***** has accessed in the past to pay her premium.  We have reached out to Ms. ***** (Call Center Manager - R *****) to inform her of our decision to allow for a one time reinstatement. (1/25/2024) We will provide her with an Automatic Payment option to ensure she does not miss payments in the future.  The language in her policy, Titled Premiums - States that the policy will terminate due to non payment. Ms. ***** will have 15 business days to send in her premium.

  Ms. ***** may reach out to me directly if she has any further questions.  

  Elizabeth *********