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:10/28/2024

  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 am the beneficiary of my fathers annuity held by Thrivent and they have repeatedly shared differing information, and road blocked the distribution of my claim information. During three calls to customer support me and my ******************** advisor were told conflicting information. This delayed and delayed the payout of my claim.

  Business Response

  Date: 11/04/2024

  Thank you for forwarding this inquiry to Thrivent for review.?At Thrivent we help people achieve financial clarity, enabling lives of meaning and gratitude.?We genuinely care for our clients and strive for excellence each day.?Our teams have worked directly with the client and their financial advisor, the claim payout has been completed, and the matter has been resolved. We appreciated the opportunity to review and address the concerns.

• Initial Complaint

  Date:09/26/2024

  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 pay this all the time and I turn 65 in November 2nd of this year and they expect me to pay it until June of next year when it says paid up at age of 65 I didn't ask them to come looking for me I decided because Thrivent finical liars and plays to many fraudulent head games I refuse to pay anything else to them

  Business Response

  Date: 09/30/2024

  Hello, this is regarding ******* *****, complaint # ********.

  Please let me know if you have any questions.

  Best regards,

  *** ******, Senior Compliance/Regulatory Analyst. I report to *** ******.

  Customer Answer

  Date: 09/30/2024

  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.
  
  [Please type your response here.]
  
  Regards,
  
  ******* *****

• Initial Complaint

  Date:08/24/2024

  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.

  This issue is ongoing. Thrivent has been uncooperative in disbursing funds owed to me awarded in a divorce settlement. The original account belongs to my ex wife and I was awarded half the amount in the settlement. I have signed the necessary paperwork that was sent to me but yet Thrivent refuses to send me my payment and has not contacted me regarding the matter. I have stopped by my local Thrivent office and was given excuses as to why they could not do anything there.

  Business Response

  Date: 08/29/2024

  August 29, 2024
  
  
  Better Business Bureau of *********
  Attn:  ***********************
  **************************************************************************************************************
  
  
  Complaint ID:  ********
  Complainant:*****************************
  
  
  Dear *****,
  
  Thank you for forwarding this inquiry to Thrivent for review.?At Thrivent we help people achieve financial clarity, enabling lives of meaning and gratitude.? We genuinely care for our clients and strive for excellence each day.? Thrivent has contacted the client directly to communicate the requirements for resolution. We appreciated the opportunity to review and address the concerns.?
  
  
  
  
  Sincerely,
  
  
  ***********************
  Senior Compliance/Regulatory Analyst        
  Client Relations
  ******************************************
  ************

  Customer Answer

  Date: 08/30/2024

  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 response to BBB from Thrivent to the complaint is meaningless. I did receive contact from Thrivent after filing the complaint asking to send them a form signed by both myself and my ex wife along with a copy of my divorce decree. I have already signed the form along with my ex wife and it has been sent to them long ago. This is the reason I contacted BBB to help. At this point, I will attempt to fill the form out again and send it in again, but a generic response from Thrivent and no result or response after previously sending in this same form leaves me to believe I will still not receive my disbursement of funds.
  
  Regards,
  
  *****************************

  Business Response

  Date: 09/05/2024

  September 5th, 2024
  
  
  Better Business Bureau of *********
  Attn:  ***********************
  **************************************************************************************************************
  
  
  
  Complaint ID:  ********
  Complainant:*****************************
  
  
  Dear *****,
  
  Thank you for the additional opportunity to address this concern.  Thrivent has contacted the client with further explanation for why we were unable to process the original request.  Thrivent has reiterated the requirements and provided a direct contact should he have further questions or concerns. Once requirements are received in good order, Thrivent will promptly process the request.
  
  
  
  
  Sincerely,
  
  
  ***********************
  Senior Compliance/Regulatory Analyst        
  Client Relations

  Customer Answer

  Date: 09/05/2024

  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.
  
  Thrivent has contacted me requesting all original paperwork be sent in to them again. They have also admitted that they made no attempt to contact me previously regarding the matter. The message I received stated "When the previous form was received, we did reach out to your ex-spouse for a copy of the divorce decree and did not receive a response." Because of this and their requirement to redo the form, it is going to take me more time and work. I have filled out the proper form and it will be sent to my ex wife for her signature once again. How long that will take will depend on her and if I need to file another court motion to force compliance. So thus far, there is no resolution just Thrivent requesting a signed form and documentation once again. I will consider this resolved when I have the account actually divided as ordered and changed to my name.
  
  Regards,
  
  *****************************

• Initial Complaint

  Date:03/01/2024

  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.

  THRIVENT EMPLOYEES, STAY AWAY FROM THIS COMPANY DONT EVEN LOOK AT THEM.THE PEOPLE IN THE PAYMENTS DEPT..THEY HAVE GONE IN BY HAND, NOT MY NORMAL ACH PAYMENTS TAKEN OUT ON THE ***** EACH MONTH LIKE CLOCKWORK, THEY PERSONALLY WENT IN TO MY ACCOUNT AND WITHDREW BY CHECKING ACCT 3 TIMES I CALLED MY ATTORNEY I CALLED THRIVENT AND MY BANK BECAUSE THIS IS AFELONY BANK ***** CHARGE. THEN THRIVENT DEPOSITED THE MONEY BACK INTO MY ACCOUNT WELL WHATEVER PERSON, ANIMAL DID THIS TO ME, SO THEY PUT IT BACK IN AFTER ATTORNEY INVOLVED THEN THE VERY NEXT DAY THE PERSON REVERESED THE CREDIT BACK INTO ACCOUNT OF ****** AND THEY PULLED THE MONEY BACK OUT. TODAY IS MARCH 1 2024 AND THE FIRST ACH WITHDRAW WAS ON FEB 26 2024 WHICH IS ALWAYS AUTOMATIC ACH, WHICH IS DIFFERENT FROM PERSON WITHDRAWING YOUR ACCT ELECTRONICALLY THEY HAVE TO ACTUALLY GO INTO YOUR ACCT AND DO THIS!! SO THIS FIRST ACH WHICH IS AUTOMATIC EACH MONTH WAS POSTED ON FEB 26 2024 LIKE ALWAYS EACH AND EVERY MONTH THEN ON FEB 28 2024 I SAW ALL THE MONEY I HAD IN MY ACCOUNT WAS GONE BECAUSE I HASNT GOT PAID AT WORK YET IT BROUGHT ME TO $4.21! ALL MY STUFF ALMOST BOUNCED. I SAW IT WAS A DIFFERENT KIND OF WITHDRAW THAT A PERSON WENT IN AND ACTUALLY DID! I REPORTED THE ***** WHICH IS A FELONY IT WAS ****** I CALLED BANK AND THRIVENT THEY THEN DEPOSITED THE MONEY BACK INTO MY ACCOUNT FEB ******* THEN ON FEB 29 2024 THEY FREAKIN PULLED THE MONEY BACK OUT AGAIN! LISTEN UP PEOPLE A PERSON NOT A COMPUTER DID THIS THEY MANUALLY WENT IN TO MY ACCOUNT AND PULLED MY MONEY..BEWARE THAT AUTOMATIC PAYMENTS THAT GET PULLED OUT YOUR CHECKING ACCT LIKE CAR INS, LIFE INS, ETC ARE ALWAYS ACH PAYMENTS AND WILL STATE THAT ON YOUR STATEMENT AND IN YOUR TRANSACTIONS AND ALL OTHER WITHDRAWELS THAT COME OUT YOUR ACCT WILL NOT BE ACH IT WILL BE DIFFERENT SO JUST KNOW IF YOU DO NOT SEE ACH WITH THE WITHDRAWEL THAT YOU HAVE AUTOMATICALLY AGREED TO LET THEM DO THEN THAT MEANS A PERSON WENT IN BY HAND AND TOOK YOUR MONEY OUT

  Business Response

  Date: 03/12/2024

  **SEE ATTACHED DOCUMENT**

• Initial Complaint

  Date:05/30/2023

  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.

  July of '22 began looking for financial advisor-input, options regards to retirement planning, advice on performance of 2 investment accounts *********************** and best advice to invest additional $10K. Have utilized ************************* website when looking for trusted professionals. ******** Endorsed Local Providers meet his criteria on ethics, integrity, professionalism in financial planning, tax issues, insurance, budgeting, etc. Very positive experiences Partnering with ******** ELPs. Submitted request through his website for financial advisor. Contacted immediately by ***************** with Thrivent, although he was not represented as ****** ELP he immediately introduced himself as such stating he was one of three in the metro area. 2 July meetings laying out my financial areas of concern. Signed Thrivent Financial Planning Service Agreement August 2022 $150/mo. based on ****** ************************** commitment. Sept. '22 **** hyper-focused on LTC insurance. Use of terms and graphs CONFUSING! Unethical unprofessional advice to take Xs SS benefits. NUMEROUS ************** pushing to sign LTC policy. NUMEROUS texts to come in to 'finalize' LTC policy. NUMEROUS texts to **** that I'm not ready to make decision for LTC policy. Dec. '22 I received letter that LTC premiums are due-$539/month!! **** blew me off when I called him about letter-he didn't offer CLEAR explanation-stated 'I'll take care of it'. WHAT DOES THAT MEAN?! End of 12/22 I again checked on ****** website for alternate financial advisors. IMMEDIATELY contacted by **** AGAIN-asking if everything was alright. NONE OF HIS BUSINESS what I do on ****** website! I consider this an invasion of privacy! 2/'23 I contacted Thrivent CS. Received email from Client Relations. I responded with history of text/email correspondence with ****. 3/'23 letter from Thrivent-termination of contract-$150 reimbursement for 1/'23. 4 months of PUSH to sign LTC policy/services not rendered/harassment-$600 should be reimbursed!

  Business Response

  Date: 06/08/2023

  Please see attachment in response to Complaint ID ********

  Customer Answer

  Date: 06/14/2023

  [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:02/08/2023

  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.

  My entire family has maintained lifelong life insurance policies through Thrivent. My grandma has paid it for me since I was a baby. I made an overpayment of my own to cover the annual premium instead of the quarterly premium on the bill. Three months later they sent another bill showing the same quarterly amount due. I tried to contact them via their provided phone number (same as that listed by BBB) and email address, and requested statements going back 3 years to figure out what was actually paid, how it was applied, and what is actually due, but they give no response and continue mailing only quarterly bills requesting payments already received. I have no way of knowing when it would actually lapse, and no idea how to make them give me the information I need to manage payments correctly. They previously replied to my BBB complaint that they sent a letter answering my questions January 3, and BBB closed the complaint. The letter they sent does not answer my question. It is about something else that I did not ask for at all, "...you indicated it is your desire to change the billed amount to be annually." Please ask Thrivent to send me receipts reflecting all of the payments that were made to my account 2020 to present. Thank you.

  Business Response

  Date: 01/03/2023

  Please see attached response

  Business Response

  Date: 02/16/2023

  Please see attached response. 

  Customer Answer

  Date: 02/16/2023

  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.
  
  [Thrivent did not address my request for receipts. Thrivent has not provided any response other than the January 3rd letter that I attached with my complaint in February. This highly unprofessional letter contains surprising grammatical errors, and completely misstated my original request.]
  
  Regards,
  
  ***************************

  Business Response

  Date: 02/21/2023

  **SEE ATTACHED DOCUMENT**

• Initial Complaint

  Date:01/31/2023

  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.

  Thrivent is not "for Lutherans", and do not practice non-profit. This company is all about the dollar, based on my personal experience. A policy was taken out in my name in ****, by my father who passed since. I was not aware of the policy, therefore, had no idea it even existed. That is until I received a ****-R in the mail that I owe taxes on it. When talking to a senior rep, they explained to me that when the policy was not paid, they create a loan against it to pay it, and another and another. That goes on until they decide to create a disbursement to pay the loan. Why would this not just be cancelled? Good question, but now I have a tax bill because Thrivent created loans to make more dollars on a policy created when I was 2 years old.Please pass this along to ALL who are thinking of signing with them. If it is not a business practice scam, at the very least it is a scheme. Shame on them for using the Lutheran name to make their billions.

  Business Response

  Date: 02/07/2023

  Attached you will find our reply to this inquiry. Please let me know if you have any additional questions.   

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

• Initial Complaint

  Date:10/20/2022

  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 mom passed away she had life insurance thrivent . thrivent was contacted on 8-14-22 about my moms death thriven said they would start the process claim about weeks later ************************* contacted me and told me i was the beneficiary and i would get paid 15 days i have call text ************************* and i have called thrivent in ******** ** a few time . they will not pay me the have lied to me they give me the run aound i was told the board has to appove the claim then it has to be processed and then i would have to wait **** days if it is not board appove no pay so i will not be paid i am just out the money

  Business Response

  Date: 11/09/2022

  **SEE ATTACHED DOCUMENT**

• Initial Complaint

  Date:08/25/2022

  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.

  My husband passed away and had insurance through Thrivent. They suggest you hire an attorney in order to submit a claim. Sent them a death certificate and will and it wasnt acceptable. They seriously dont want to pay out. My husband also had a policy with American Family. One call to them and a check was sent out the next week. How can two places be so different? I guess its pretty obvious. Dont do business with them. Unscrupulous. Going to file a complaint with the Attorney General. Probably end up spending most of the cost to hire an attorney. Shame on you!!!

  Business Response

  Date: 08/31/2022

   Re: Case ID ********
  
  Dear ****************,
  
  As a member of Thrivents Client Relations team, my responsibility is to investigate and resolve issues that have caused dissatisfaction for our clients.  We thank you for opportunity to provide a response to the ********* Better Business Bureau regarding ****************** concerns related to the distribution of life insurance death benefit proceeds.
  
  In our review of the underlying claim, *********************** is not a named beneficiary on the referenced life insurance policy. The proceeds are payable to the estate of the deceased. A will does not supersede a named beneficiary on a life insurance policy.
  
  Thrivents intention is to settle claims as quickly and efficiently as possible. Based on the concerns brought to Thrivents attention, an authorized representative for the estate would need take the appropriate action to claim the death proceeds. Thrivent would require a copy of the court appointed executor or administrator order.
  
  If ***************** has any questions or needs further assistance, we remain ready to assist and can be reached at **************.
  
  

  Customer Answer

  Date: 09/07/2022

  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 call for assistance and they were not helpful.   Further investigation reveals that my husband bought this policy as a young man.  It was a whole life policy.  If they had reached out in the 40 years we were married, he would have named a beneficiary.    If a company does not do this as a goodwill gesture that is sad.  As many of the companies I deal with would have reached out and have reached out. As per their statement they are very aware the complications of not having a beneficiary.  Ill get the attorney but others need to know whom they are dealing with.  I will also pursue other options 
  
  Regards,
  
  ***********************