Complaints

This profile includes complaints for Lincoln National Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Lincoln National Corporation has 33 locations, listed below.

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• 

  Lincoln National Corporation

  150 N Radnor Chester Rd Radnor, PA 19087-5252

• 

  Lincoln National Corporation

  100 N Greene St Greensboro, NC 27401-2547

• 

  Lincoln Financial Advisors

  9800 4th St N Ste 100 Saint Petersburg, FL 33702-2457

• 

  Lincoln Financial Group

  PO Box 2616 Omaha, NE 68103-2616

• 

  Lincoln Financial Group

  PO Box 2348 Fort Wayne, IN 46801-2348

  

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:11/28/2023

  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.

  On 08/01/23, called at 3:15 pm and agent ***** for distribution request, but before I completed paperwork for needed money, I asked him if the much needed funds would affect my RMD in November 2023? My annual systematic RMD. The form does not mention anywhere that it would affect my RMD. On 10/12/2013, I called LFG ###-###-#### and spoke to agent ****** at 4:07 pm. Changed my pin number, she stated that my RMD for November would be in the mail by second week in November. Also, ****** read my new bank account number to verify it. Called several times after these and received conflicting answers. Several agents said I needed to fill out a new request form for RMD while other agents said that I would not receive RMD at all. 11/13/23 called LFG and spoke to ***** at 8:01 am. ***** was very professional. She gave the amount of the RMD to come and the amount of taxes (Federal and State) to come out. She may have stated that the RMD would come soon. 11/15/23, called LFG again. 11/20/23 called LFG and spoke to *****, but she was so slow that we were on hold nearly 20 minutes with no voice contact. Did she hang up on me or what? 11/21/23 called LFG 4 more times. One of them again put me on hold for long time. On 11/22/23, called ###-###-#### to talk to someone in the accounting office and talked to a secretary. She was very professional and said that *** ******** was not in, but a man named ****** was in a meeting and she would approach him when the meeting was over. I received no return call or email as promised. Also, asked if my sister could be put on my account, in case I should get sick and relay messages and questions for me. No response. All that I am asking for, is a verification of when will my second RMD withdrawal is supposed to come out in November, so we can be vigilant watching it to come in the mailbox. I did not want to take any money out, but when I turned 70 ½ years old, it was made mandatory by United States Government.

  Business Response

  Date: 12/13/2023

  December 13, 2023

  Dear *** *******:
  

  I am writing in response to the November 28, 2023 email to Lincoln regarding the above-referenced Case Number. Privacy laws limit the amount of information we can provide you regarding this matter.
  

  Accordingly, Lincoln responded to *** ***** directly regarding this matter to address the concerns.

  Thank you for bringing this matter to the Lincoln’s attention. If you have any questions, please feel welcome to contact me.
  

  Regards,

  Customer Answer

  Date: 12/17/2023

  [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:11/27/2023

  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.

  I have been trying to close out an old IRA managed by Lincoln financial group provided to me by a previous employer, ********* ****. I have filled out and faxed the appropriate forms, along with a copy of my ss# card, because they have the wrong one on file for me. This was faxed on 11/6. I have not received the distribution as of now (11/27) and cannot get a valid reason for the hold up when contacting the customer service dept. (******, ******) other than they are working on changing my ss#. When I ask to speak to a higher up (***** *****, ****** *****) they say they will call back but they haven’t.

  Customer Answer

  Date: 11/30/2023

  The same day that I submitted my complaint to BBB, I received a call from *********************. She stated the hold was an IT issue on their end - she said she would escalate to her manager ***************** and call me the following day with an update. Its now 3 days later and I have not heard from her.

  Business Response

  Date: 12/04/2023

  December 4, 2023

  Dear *** *******:
  

  I am writing in response to your letter dated November 28, 2023 addressed to *** ****** ******** at The Lincoln National Corporation (“Lincoln”) regarding the above-referenced Complaint ID. Due to privacy laws, Lincoln cannot provide you with any policy information regarding the complaint that ******* ******* filed.
  

  Accordingly, Lincoln has responded directly to *** ******* regarding this matter.

  Thank you for bringing this matter to the company's attention. If you have any questions or should you need any additional information regarding this matter, please feel free to contact me.
  

  Respectfully,

  Customer Answer

  Date: 12/09/2023

  [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:11/13/2023

  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've been trying to withdraw my 10 percent annual money from my Annuity and being told nothing but lies and being placed on hold for extreme amounts of time. One time over 20 minutes and then disconnected. Then they wont let you speak to supervisor and vague about contacting corporate. Its just shady and I want my money that they are not releasing

  Business Response

  Date: 11/28/2023

  November 28, 2023 

  Dear *******:
  

  I am writing in response to your email dated November 15, 2023 , directed to the [email protected] email box at The Lincoln National Life Insurance Company (Lincoln Financial) regarding the above-referenced Case Number. Due to privacy laws, Lincoln Financial cannot provide you with any policy information regarding the
  complaint that *** ******* filed. Accordingly, Lincoln Financial are responding directly to *** ******* regarding this matter.

  Thank you for bringing this matter to the company's attention. If you have any questions or should you need any additional information regarding this matter, please feel free to contact me.
  

  Sincerely, 

• Initial Complaint

  Date:10/23/2023

  Type:Customer Service 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 get access to my retirement account online. I spent a long time on the phone with customer service on October 11th, and the person could not figure out what the issue is. They said they would follow up in 1-2 days. I have followed up several times, and they have not responded. I would like someone to follow up, figure out why my online account access couldn't be setup, set that up so that I can access my information and my finances. Thank you.

  Business Response

  Date: 10/27/2023

  Dear *** *******,
  

  I am writing in response to your email dated October 23, 2023 at 11:35 pm addressed to ****** ********, Lincoln National Corporation (“Lincoln”), regarding the above-referenced Complaint ID
  Number. Due to privacy laws, we cannot provide you with any information regarding the complaint that **** ****** filed. Accordingly, we will respond directly to **** ****** regarding
  this matter.

  Thank you for bringing this matter to our attention. If you have any questions or should you need any additional information regarding this matter, please feel free to contact me.

  Respectfully,

• Initial Complaint

  Date:10/19/2023

  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.

  The Lincoln pension department is required to pay my retirement benefit every month starting December 1, 2023. However, they refuse to send me the forms that I need to complete to begin receiving the retirement benefit. I have called 4 times over the past two months with no results. The person who answers the phone says the same thing every time I call; "I'll send a message asking them to send out the forms." I have asked to speak to a manager. However, they refuse.

  Business Response

  Date: 11/09/2023

  November 9, 2023  

  Dear *** *******,
  

  I am writing in response to your emails dated October 23, 2023 and November 9, 2023, both addressed to ****** ********, Lincoln National Corporation (“Lincoln”), regarding the abovereferenced Complaint ID Number. Due to privacy laws, we cannot provide you with any information regarding the complaint that ***** **** *********** filed. Accordingly, we will
  respond directly to ***** **** *********** regarding this matter.
  

  Thank you for bringing this matter to our attention. If you have any questions or should you need any additional information regarding this matter, please feel free to contact me.

  Respectfully,

• Initial Complaint

  Date:09/21/2023

  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 leg surgery on 7/18/23 which lead me to file short term disability through Lincoln Financial. Which is supplied through my employer Enhance Technologies. I filed the original claim on 7/18/23 claim # *** *** ****. That is the date they also received documentation from the ************** Surgeons office Dr. *******. My first payment was on 8/1/23 and then 8/17/23. Before I gotten the second payment on 8/17/23 the system was saying my approval was through 8/18/23. Which means that they should have already had their documents sent out to the Physicians office so that there wouldn't be a lapse in payments. However, when it was time for my third payment there was NOTHING. I called and they stated they were still waiting on records from ********************** office which his office they sent out on 8/21/23. However, they never sent anything to his office they sent them to my primary care's office which has nothing to do with this. They did this 5x!!! 5x it went to the wrong office!!! They were told multiple times this does not go there it goes to the same office whom sent you paperwork in the beginning of the claim. Then the case manager contacted me first week of September and she was also told. They finally get them to the write office and now they sent over a request for records on 8/1/23 which is a date she was not seen on. When they should have stated "We are needing records from 8/18/23 - current or whatever date" they did not do that. So now the surgeons office is confused as to what they want. I relay the message to *****. Now ***** is asking for a different provider info, I explained multiple times the provider is *******. That is the only person you should be reaching out to, They can't get this right to send a singe fax requesting records from one date through another and I have bills that are getting behind because the are not comprehending their jobs.

  Business Response

  Date: 10/09/2023

  Thank you for notifying us of **************** concerns.  Due to privacy laws, Lincoln Financial cannot provide you with any policy information pertaining to **************** claim.  Claims Manager, ******************************* attempted to reach out to ************ on 10/3/2023.  Benefits payment has been released, however, if ************ has further issues she can reach out directly to the Claims Manager, ******************************* at **********************.

  Thank you,

  Lincoln Financial Group

• Initial Complaint

  Date:09/01/2023

  Type:Product 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 retired back in April, 2023, and I am missing nearly $400,000 in assets. Nobody at Lincoln can answer my questions or tell me where my money is. I am told someone will call back within 24 hours, and nobody does. I have spent hours and hours on this with my financial advisor, and we are at a dead end. I have also been charged about $10,000 in loan interest from an old 401k loan that makes no sense to me, and I insist on getting an accounting of that. We have filed complaints with ********** securities regulators, but I am not waiting on a response from them before I complain every place possible.

  Business Response

  Date: 09/25/2023

  September 25, 2023

  Dear *** *******,
  

  I am writing in response to your email dated September 1, 2023 addressed to ****** ********, Lincoln National Corporation (“Lincoln”), regarding the above-referenced Complaint ID Number.
  

  Due to privacy laws, we cannot provide you with any information regarding the complaint that ******** ********* filed. Accordingly, we will respond directly to ******** *********
  regarding this matter.
  

  Thank you for bringing this matter to our attention. If you have any questions or should you need any additional information regarding this matter, please feel free to contact me.
  

  Respectfully, 

  Customer Answer

  Date: 10/02/2023

  [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:08/30/2023

  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 died in April, I filed for my portion of the death benefit from her annuity in May, they never replied despite multiple emails I got zero response. I called them in August, and they said there was an error in the form I had sent and I should re-apply via an online form which I did immediately. It's now the end of August, and I still have not received my benefit, nor have I ever received any written communication from Lincoln Financial at all.

  Business Response

  Date: 09/18/2023

  September 18, 2023

  Dear *** *******:
  

  I am writing in response to the September 1, 2023 and September 18, 2023 emails to Lincoln regarding the above-referenced Case Number. Privacy laws limit the amount of information we can provide you regarding this matter. Accordingly, Lincoln responded to *** ******* directly regarding this matter to address the concerns.
  

  Thank you for bringing this matter to the Lincoln’s attention. If you have any questions, please feel welcome to contact me.
  

  Regards,

• Initial Complaint

  Date:08/23/2023

  Type:Customer Service 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.

  Hello, I am reaching out regarding the experience I have had with your company. My spouse just passed away and filing a life claim has been a nightmare. I have not yet been able to file a claim. I have been given the runaround, I have been denied a supervisor, etc. Please contact me as soon as possible. Thank you.

  Business Response

  Date: 08/30/2023

  Please be advised that privacy laws limit the amount of information that we can disclose.
  
  Upon receipt of your inquiry, Life Claims Examiner, *************************** reached out to ******************** to give her a status of her claim and next steps in the claim process.
  
  Thank you for contacting us.

• Initial Complaint

  Date:08/23/2023

  Type:Order 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.

  Policy number for my Term life policy is **********  *********************. This is the 2nd time their customer service department has misapplied my online check payment. Each time it has taken them weeks to fix the issue. This time is worse. My policy has not lapsed and is indeed current but their people can't seem to properly update their systems. I made my most recent check payment via a phone payment for June 2023 and July 2023 premium in the amount of $130.28 with a customer service agent at the 18004871485 number. Lincoln Financial drafted the money from my account 1 or 2 days later but they did not update the payment in their system. I called several times since making that payment on 7/24/2023 trying to get them to resolve this issue but I continue getting the runaround and being told it will be fixed in 48 hours and that someone would call me. Well it still hasn't been handled an no one EVER calls me back. I called on 7-31-23 was told that the payment was applied incorrectly but that it would be corrected in a few days. It was not handled. I called on 8-4-2023 told again it would be corrected by the end of the week. Still NOT HANDLED I called on 8-14 was told it would be handled in 48 hours and I would be called back STILL NOT HANDLED NEVER GOT A CALL BACK. I CALLED 8-17 SAME OLE SONG.....WHY IS SOMETHING THAT SHOULD BE SO EASY SO DIFFICULT. I CALLED ON 8-21 was told to give them ANOTHER 48 HOURS to fix it and they would call me back. I KNOW THEY ARE NOT GOING TO CALL ME BACK. It's been a month! ALL I WANT IS FOR MY ACCOUNT INFORMATION TO BE UPDATED AND SHOW CURRENT. The system is saying my policy has lapsed but it has not. Their department just doesn't know what they are doing. I've called everywhere but no one can seem to help me. Something so simple should not be this difficult. I've notated all of my communication with them and I have all of my recorded phone calls with customer service. 

  Business Response

  Date: 09/20/2023

  September 20, 2023 

  Dear *** *******:
  

  I write in in response to your letter dated August 24, 2023, and September 9, 2023, directed to *** ****** ** ********, at The Lincoln National Life Insurance Company (Lincoln) regarding the above-referenced Complaint ID number. Due to privacy laws, Lincoln Financial cannot provide you with any policy information regarding the
  complaint **** ** ***** filed. Accordingly, Lincoln Financial responded directly by email to *** ***** in this matter.

  Thank you for bringing *** *****’s concerns to the company’s attention. If you have any questions or should need any additional information regarding this matter, please feel free to contact me.

  Sincerely