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:05/30/2024

  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.

  One of your sales person came to my door saying he has a delivery for me stated I had inquired about insurance and I did not,I WANT MY NAME REMOVED FROM YOUR COMPANY FILES IMMEDIATELY BEFORE I TAKE LEGAL ACTION.

  

  Business Response

  Date: 05/31/2024

  We are very sorry for the inconvenience and will remove your information immediately.  Thank you for letting us know.

• Initial Complaint

  Date:05/18/2024

  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 got the check in the mail. I don't want it or your business to contact us. Take us off your list.

  

  Business Response

  Date: 05/21/2024

  Thank you for getting in touch with us.  We will be happy to remove you from our database and all future mailings immediately.  I hope this resolves your issue and we apologize for the inconvenience.  Thank you.

• Initial Complaint

  Date:05/07/2024

  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.

  A salesman came to my house and was talking about life insurance, I told him Ill have to get with my mom and Ill let him know. Well he took it upon himself to sell me a life insurance policy that I knew nothing about until it went through my account. I just want to be made whole. The salesman said he was going take care of it now ****

  

  Business Response

  Date: 05/14/2024

  Can you contact us at *************************** with the name of the insurance agent that sold you the policy so we can investigate the matter further?  To be sure the policy is cancelled you would need to contact Columbian Life directly since they will not allow us to access customer information through our offices as the customer needs to be the one in communication with them.  The phone number for Columbian Life is:   **************         That should allow you to cancel your policy.  As soon as we know who the agent was who wrote the policy we can work on findng a further resolution.  Thank you for bringing this matter to our attention!                             

  Customer Answer

  Date: 05/14/2024

   
  Complaint: 21679813
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 05/16/2024

  Good morning.  We are not authorized to withdraw or change withdrawls made to your checking account by the carrier company, Columbian Life.  In order to change or cancel the policy you would need to contact the agent who wrote the policy or Columbian Life directly.  We would like to investigate the agent in question if you could provide his name to us either here or by emailing us at *************************** so we can further help you.  In order to quickly stop any debits to the account and for them to potentially issue a refund, Columbia Life would have to do that.  The number to reach them is: ************.  If the transaction was unauthorized to begin with, Columbian Life can also help with investigating the agent who wrote the policy to reach a further solution as well.  They will not allow us to access information as a third party contractor in order to protect your data and personal health information, that is why it is important that we know who wrote the policy to investigate the procedures taken by the agent on the matter.  We wish to help any way we can but need a little information from you to do this and we apologize for the inconvenience in having to contact the carrier to cancel the account debits but this is also to protect consumers.  When an agent writes a policy, they do so directly with one of many carriers and we do not have the ability to access the databases of the carriers.  Our role in the process is in recruiting agents and assisting them in licensing with the individual carriers but we do not directly issue policies or service them.  We recieve a commission from carriers from policies written by our agents but identifying information of the consumer is not sent with these deposits for privacy and in compliance with HIPPA laws.  We recieve a "bulk" report as to the total production written by each agent which again does not itemize policies or provide information.  This is why contacting the carrier directly is the process required to cancel a policy or change/stop account debits.  We hope this answers any questions and helps to make our process more transparent.  We will help in any way we have the ability in compliance with the law if you have any trouble with contacting Columbian Life.  You are welcome to also call us directly at ************** and speak to someone in Marketing or our Operations Manager for further assistance and guidance in resolving this matter.  Thank you for your understanding.

• Initial Complaint

  Date:05/07/2024

  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 had a 100 % unsolicited visit to my home from a person representing this company. I have no interaction with this company whatsoever. I can only assume they got my name and address somewhere. I was not home and this person insinuated to my girlfriend that I had contacted them. She was told they try again later. I want no such visit and my name removed from any list they have. There is a no soliciting law here as well.

  

  Business Response

  Date: 05/14/2024

  Good afternoon.  Usually our agents only visit if a card has been filled out and sent back in to us.  I apologize if this was not the case.  We will look into it further and will absolutely remove your information so you will not be contacted by any other agents.  Again, we apologize for the inconvenience!

• Initial Complaint

  Date:05/02/2024

  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 a $5.00 check from North American Senior Benefits,LLC in the mail that was totally unsolicited. It is asking for me to put my phone number on it and then cash it with no obligation. However, I have read numerous complaints where people have cashed the check and then salesmen show up to their residence trying to sell them insurance. I have torn the check up and thrown it away, but I would like to request that this company cease from sending me anything else and would like to be removed from their mailing list. In addition, I do not want to be contacted by them in any way (face to face, email. phone. etc.). Thank you for taking care of this matter.

  

  Business Response

  Date: 05/07/2024

  Good afternoon, we will be happy to remove your information from our database as you requested.  I am processing the request immediately.  Please let me know if you need anything else from us.  Have a wonderful day!

   

  Customer Answer

  Date: 05/07/2024

   
  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:04/16/2024

  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.

  North American Senior Benefits apparently sent me a letter with a $5 check over a month ago and stated there was no obligation and that the check could be cashed, which I did. However, after depositing the check, I received an un- solicited in-person visit from a salesmen on 4/16/2024. My issue is the person immediately acted like I knew exactly why they were there and asked to be invited into my home without even bothering to explain to me what the signature was (of mine) that he was showing me. I had to do a ****** to search of the company to find out what it was about. After telling him to leave as he had provided me no meaningful information as to why he was there I asked him to not to contact me again and closed the door. He then proceeded to repeatedly knock on my door. I do NOT want to be solicited or contacted by this company ever again and you need to do a better job training your field representatives. You can't expect to send a stranger to a home months later without prior notice and be welcomed with open arms and provide no explanation as to why they are there.

  

  Business Response

  Date: 04/17/2024

  Good afternoon, thank you for bringing this to our attention.  We apologize in the time delay between the check and our agent visit.  We completely understand and will remove your contact information from our systems so that you will not be contacted again.  We sincerely apologize for the inconvenience.

  Customer Answer

  Date: 04/17/2024

   
  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:04/01/2024

  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 was contacted today at my home by a representative of your company claiming that I electronically cashed a $5.00 check in exchange for information about life insurance. I have absolutely no recollection of signing and cashing that check and I was not expecting this unsolicited visit. I even searched my banking statements to confirm that I did deposit the check in the last year. I am respectfully requesting that your company permanently remove my name and my other personal information from your database. I do not wish to be contacted again, either by mail, email or in person, by a representative of your company. You may, of course, reply to me -- regarding this communication only -- via the email address I provided, but I request that my personal information not be shared with any other person or concern. Thank you for your attention to this matter.

  

  Business Response

  Date: 04/03/2024

  Good morning!  We have immediately processed your request for removal from our database and future mailings so you will not be contacted again by our agents.  Please let us know if there is anything else you need from us and we will be happy to help.  Thank you!

• Initial Complaint

  Date:03/20/2024

  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.

  Good afternoon - I was contacted today at my home by a very pleasant representative of your company who showed me an electronic copy of my signature, apparently reproduced from a $5.00 check he said I cashed several months ago. I have no recollection of signing and cashing that check, and told him that, as I am not, and was not interested in purchasing insurance of any kind, and was not expecting this unsolicited visit. I have no complaints about the gentleman's demeanor or behavior, but I am respectfully requesting that your company permanently remove my name and my other personal information from your database, including the check image and my signature. I do not wish to be contacted again, either by mail, email, or in person by your agent. You may of course reply to me -- regarding this communication only -- via the email address I provided, but do not share my personal information with any other person or concern. Thank you for your attention.

  

  Business Response

  Date: 03/25/2024

  Thank you for your message, we had received your email previously and immediately removed your data from our system so that you will no longer be contacted and will no longer receive mailers from us.  Please let us know if there is anything else we can do for you, but we wanted to let you know we have already processed your request!

  Customer Answer

  Date: 03/25/2024

   
  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:03/08/2024

  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 had a problem with the company last year. They was coming by my ******** stated I did not even what to do business with them. And I was told I didn't have enough proof. Well I got the proof this tiime attach to a pdf. All I want them to do is leave me alone. Take my name off there sales list do not send no by my house I do not send me another 5.00 check please. Leave me alone I do not want to Do any business ever with North American Senior Benefits, LLC in *************, ** *****. Their phone is ************

  

  Business Response

  Date: 03/11/2024

  Good morning, I apologize that you are receiving unwanted mailers from us.  I am processing your request immediately to be removed from our data bank and system so you should be able to expect that no further communications will be coming from us!  I hope this helps and if there is anything further we can do please contact us.  Thank you!

• Initial Complaint

  Date:03/04/2024

  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.

  Since October of 2023, I continue to receive call after call from this company, LMS PO box ****** *************, ** 30042-9800. They are trying to sell Final Expense Benefits and other stuff. I want them to stop calling me. I've have asked so many times asking to remove my number from their list but to no avail. I want this madness to stop.!!!!! Some days, I receive ***** calls in one day. Every time i go to call the # back, it's no longer in service. The people calling are foreign sounding and give NAMES I know are not theirs. PLEASE STOP!!!!!!!!

  

  Business Response

  Date: 03/06/2024

  We apologize that you are receiving these calls.  We are frustrated by them as well.  These calls are not coming from our company.  Over the past few months, we have been alerted to a third party that has been using our name to make these calls.  We are working with law enforcement and our legal counsel to determine the identity of the party making these calls. However, given the ease in spoofing numbers, this has been difficult.  If the complainant is willing to provide additional information, such as the date and time of some the calls, what number was identified in the caller id for the caller and the number that was called, we can provide that to our investigative team.
  
  North American Senior Benefits, *** takes full compliance with the **** and related laws and regulations very seriously. We are working diligently to the extent we can to help stop these calls.  If you have any information about the call you would be willing to share with us to help in our investigation please email *************************** and we will forward the information to our legal department and the agencies helping to investigate. Again, we deeply apologize that you are having this experience and wish there was more we could do to eliminate these calls.