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:11/12/2024

  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.

  Over the last year representatives have used deceitful practices to gain entry to our apartment buildings to solicit membership from our senior community residents. We have confronted the representatives and the practices have not stopped. There are "No Solicitation" signs clearly posted at the main entrance. We want this business and all of their agents to cease coming to our buildings.

  

  Business Response

  Date: 11/13/2024

  We are very sorry you have been receiving agents at your building that you do not wish to have there!  Can you email us at *************************** with the name of the apartment complex and if you have any of the agents names that would be helpful so that we can issue a statement to our agents to refrain from any solicitations at that building unless specifically requested by appointment from a resident?  We will issue this directive asap but any further information you can provide as to the agents at the property and property name would be helpful.  We will also remove your information from our database so that you don't receive any mail from us!   I will see if I can find the property name from your address in the meantime to issue a statement to agents.  Thank you for letting us know!

  Customer Answer

  Date: 11/13/2024

   
  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.
  
  Sincerely,
  
  ****** *********

• Initial Complaint

  Date:11/04/2024

  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 received a check in the mail from this company 11/04/2024 and I want my information permanently removed and not to be contacted in person, email, or phone. I did not solicit this company, and I do not want to become a target for business with these people. Please advised if you show up at the address notated, I will take further action on the person showing up. I DID NOT CASH YOUR CHECK AND PLEASE DO NOT SEND ANOTHER ONE!

  

  Business Response

  Date: 11/08/2024

  Thank you for letting us know, we will immediately remove your information from all of our lists and apologize for any inconvenience!

• Initial Complaint

  Date:11/02/2024

  Type:Order 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.

  In May of this year a North American Senior Benefits agent ****** *. came to my home and discussed replacing my two current (at the time) life insurance policies. He gave me an estimated quote, but I wouldnt agree to a new policy until I knew it was better than what I already had. I got a Policy Delivery Receipt for one, but I didn't want it because it wasn't what we had discussed. I had my son speak to the agent about this and the agent said he would cancel the policy. On July 1st I started getting bank drafts for two new insurance policies before I even got verification of the price for the second policy the agent had talked to me about. However, I decided to keep the second of those policies and returned the paperwork for that. The agent told us multiple times from the beginning that he would cancel my previous two policies and also the unwanted second policy he had started. From July to October, due to delays in cancelling those 3 unwanted policies, I was overcharged $743.42. The agent reimbursed me a total of $608.00. July in particular was a difficult month for me, as I ended up having 5 different payments drafted from my account, only two of which I authorized. I am a senior veteran and live on a fixed income; the agent knew this, as he was in my mobile home discussing these policies. His communications and reimbursements were prompt in the beginning, but as the months passed he became less responsive, only responding professionally when my son sent emails of complaint to his company, with him CC'd. He eventually cancelled the two previous policies I had, but after 4 months he never cancelled the one he mistakenly started. We ended up figuring out how to cancel it ourselves, but I am still out $135.42. We have communicated a few times with his company and, like the agent, they started out highly responsive but they have not responded to our last two emails we sent over the last month. I have all of our communications available upon request.

  

  Business Response

  Date: 11/08/2024

  Thank you for providing this information, we are forwarding it on to our ceo to review and will be in touch,

  Customer Answer

  Date: 11/08/2024

   
  Complaint: 22506143
  
  I am rejecting this response because: No resolution was offered. 
  
  Sincerely,
  
  ****** *********

  Customer Answer

  Date: 12/10/2024

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID .********, , and find that Mediation is necessary.

  Regards,

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

  

  Business Response

  Date: 01/07/2025

  It is our understanding that ******* has reimbursed the complainant for the amount that was continued to be deducted from his account.  Please contact our legal department if further arbitration is necessary as it would be unlawful for an agent to make any reimbursements and the carrier has returned the funds that were in question.  Our Attorney in charge of legal matters is ****** ******* who can be reached via **************************** and by phone at ************  Thank you.

  Customer Answer

  Date: 01/08/2025

   
  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.

   

  Good afternoon ******************* from NASB contacted me this afternoon. The issue has been resolved. Thank you for your assistance in this matter. 
  
  Sincerely,
  
  ****** *********

• Initial Complaint

  Date:09/30/2024

  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.

  Attached is a copy of the Cease and Desist letter to be sent to your company. You are not authorized to do business in ******** and we are demanding that you stop your predatory practices on our residents.

  

  Business Response

  Date: 10/02/2024

  We apologize that you are not happy with our sales communications. Our license to do business is currently in good standing in the state of ******** and we strive to ensure our agents are following all local laws and ethical practices involving the solicitation of life insurance. However, we are happy to remove your personal information from all of our databases immediately so that you will no longer receive any communications from our company or any visits from our agents.  Thank you for letting us know so that we can respect these wishes going forward.  Have a wonderful week and please contact us if you have further questions or comments.

• Initial Complaint

  Date:09/18/2024

  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.

  September 17, 2024 6:18pm A young man by the name of ****** stopped by my house, totally unsolicited with no appointment and said my son submitted a request for life insurance online. They had my sons name, my address, my birth date and my cell number. The company is North American Senior Benefits. Said he was sent over to my house by the State of Georgia and that they were affiliated with Legacy Planning Advisors. He did not produce any identification. He kept asking if my son was at home and I kept telling him that my son does not live here and as not for years. I will call the local authorities the next time they show up. I want all of my info removed from this business and any list they may have us on.

  

  Business Response

  Date: 09/18/2024

  We are very sorry you have had this experience with one of our agents.  We will be happy to immediately remove your information from all of our databases.  Thank you for letting us know!

  Customer Answer

  Date: 09/18/2024

   
  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.
  
  Sincerely,
  
  ***********************

  Customer Answer

  Date: 09/18/2024

   
  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.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/13/2024

  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.

  Their agents *************************************************************** sold me a life insurance policy with ************************* (CFG) a year ago (2023). On 6/03/2024 they met with me to discuss changing to TransAmerica because CFG was going thru financial problems. I specifically asked if they were going to handle the electronic payment ****************** said he would handle that part. On 6/10/2024 received a letter in the mail from CFG that they were notified that I was "considering" replacing my life insurance with them. I called ************** said they were trying to retain me as a ************* would stop by 6/14 to talk to me about it. Due to a family emergency I contacted ********* to reschedule. I called a week later & he said we really didn't need to meet as he had sent all paperwork to CFG. In August I had a electronic debit fail, I checked my account & saw CFG had debited my account for the premium of $154.54 for ********** I immediately contacted ********* on 8/09 via text. He stated "they should not have but I will take care of that". I told him I needed my monies refunded. On 8/14 I texted ********* to ask about my *********** replied "Yes they are sending me a form". He had ***** drop the form off in my mailbox 8/19. This was not a form from CFG but a generic change form insurance companies use. I texted him that I was concerned about another payment coming out of my account in Sep & received no response. I called CFG & was told no cancellation paperwork was ever submitted so I cancelled it myself on 8/29. I have tried unsuccessfully to reach ********* via ************* I called NASB headquarters in *************, ** to ask for *********'s ****************************************** called me & said he is the supervisor. All he gave was a bunch of excuses. I.e. ********* is busy moving, etc but he would have him call. I asked about my ************ said "well I can't give you your money back because the law prevents me from that. He even tried to blame me. Still no response.

  

  Business Response

  Date: 09/18/2024

  We apologize that you have had this experience.  We are investigating the matter with the agent and the partner who manages both ******** and ***** and will be in touch with you asap.  You should hear back from us directly from *************************** and may receive a call from the manager/partner as well.  I am getting in touch with them now but didn't want to leave you without a response to let you know we are working on it.  Thank you for your patience and we apologize for the situation and want you to know we will do all we can to correct the issue.  If you can also provide information as to who you spoke to at our corporate office that would be helpful as we need to explain the importance of these situations to them and getting the information to partners rather than field managers.  

  Customer Answer

  Date: 09/18/2024

  In response - I am unable to provide the name of the lady who answered the phone at your *************, ** office. And thank you for your speedy response.  I look forward to speaking with you to resolve this. 

• Initial Complaint

  Date:09/05/2024

  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 didnt sign up for mail coming to my address from this company. I would like my information to be removed from their database. ********************************************************************************************** *************************************************************************************************

  

  Business Response

  Date: 09/09/2024

  We will remove your information from our database immediately!

• Initial Complaint

  Date:09/04/2024

  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 received an unsolicited $5.00 check from North America Senior Benefits. The letter that accompanied the check states, there is no obligation to cash the check. After a few days of cashing the check, a woman showed up at my door, left her card with my husband. My doorbell camera revealed that she also showed up at my door today. She was not invited either time.I am requesting that any and all of my information be removed from their contact list. Thank you.

  

  Business Response

  Date: 09/09/2024

  We are happy to remove all your information.  You are correct, you are under no obligation to purchase anything or receive a visit and we will make sure there are no further visits.

  Customer Answer

  Date: 09/09/2024

   
  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.
  
  Sincerely,
  
  ************************************************

• Initial Complaint

  Date:08/30/2024

  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.

  I had received a couple live $5.00 checks from North American Senior Benefit. The correspondence with the check stated if the check was cashed the payee would agree to being contacted by North American Senior Benefit. It did NOT state a person would be notified at home.After I received the second check, I decided to cash the check as it did state there was no obligation. I cashed the check 6-25-24. On Tuesday, 8-27-24, at 7:30 p.m., I heard repeated loud pounding on my front door. When I answered the door the agent quoted my name, had a copy of the back of the check I had signed and very firming stated he wanted to come in to explain the benefit of the company. I told him I was not interested and I was sorry. This agent continued to yell that I signed and agreed to discuss the plan. I told him, I knew that and expected a phone call or email. I certainly did not expect to be yelled at or interrupted at 7:30 at night. I told him again I wasn't interested and I was busy. He yelled back at me in a very condesending way saying DOING WHAT! I was shocked and yelled back it was none of his business! I told him I would get the $5 and give it back to North American Senior Benefit. He said oh no. He continued to attempt to get me to listen to him. He was very loud and i told him i had a daughter asleep. He didnt care just kept it up loudly. I started to shut the door. He said, next time you get something like this throw it away, will ya! I told him I certainly would never do this again because I could never take this again. He said I never want to see you again either. I slammed and locked my door. He sped off in his car. Unfortunately, yes I cashed the check, but as I stated earlier I never expected to be confronted and made to feel like a small person at my front door at 7:30 at night. I really just want other seniors to know what they are up against if they cash the $5 check. It's not worth it. I was upset for the rest of the evening.

  

  Business Response

  Date: 09/03/2024

  We are so very sorry to hear that you had this experience with one of our agents.  We will immediately delete all your data from our system and we also would like to investigate this agent as his behavior is absolutely not the behavior expected from our agents.  If you happen to have his name that is helpful.  I'll also try to find him in the system based on your data as I go in to delete it.  Thank you for bringing this to our attention and I hope you can rest better knowing that we are taking this very seriously and will make sure you are not interrupted at home again by any of our agents.  

  Customer Answer

  Date: 09/03/2024

   
  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.
  Unfortunately,  I do not have the agents name.  I wish I did!  I appreciate their response and action.
  Sincerely,
  
  *****************

• Initial Complaint

  Date:08/20/2024

  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 received an unsolicited $5.00 check from North America Senior Benefits. The letter that accompanied the check says there is no obligation to cash this check. I googled this ************ & even though deemed BBB legitimate. I was very disturbed & shakened by the complaints of pop-up visits. Safety (mine & for the agent) is very critical at my house. Therefore, (I request all my information be removed from their contact list). Which includes: mailing, emailing and phone correspondence. Thank You.

  

  Business Response

  Date: 08/22/2024

  Good morning and thank you for contacting us.  We will immediately remove all of your information from our database so you may rest assured that you will not be visited by anyone from our company.  Have a wonderful week!