Business Profile

Insurance Companies

Combined Insurance Company

Complaints

This profile includes complaints for Combined Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

307 total complaints in the last 3 years.
105 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:01/05/2024
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 have filed 3 disability claims in September and no response i have contacted both agents who sign us up for the insurance policy, they claimed its out of their hands, the website is always down and cant sign in to check status, corporate phone number is always busy leave messages have never received a call back. Agents are always at our hub ( ***************) signing up employees but when you file a claim we dont get paid. Please advised on further action i get no response from anybody. Thank you
Business Response
Date: 01/13/2024
January 13, ****

Better Business Bureau
121 ************** Suite 2000
*******, ** 60601

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office and contacted the customer. The adjuster placed a phone call to the customer on January 9, ****-- left a voicemail message advising of each claim determination. A follow up letter was also sent. The letter should arrive shortly. Rest assured that this matter has been addressed accordingly.

As the release of policy information- specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:01/05/2024
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 have been a faithful customer of this ********************** for 20 years+. I paid my premiums faithfully on a schedule without fail. I switched my financial institution on October 11, 2023 to another one. That day, my premium was supposed to process and made it my duty to call up Combined to make the payment over the phone and was successful. I even confirmed with my online banking that it posted. I thought everything was good until next month when I received a letter and email that my two policies were cancelled. I called up to see what the issue was and they told me that the submission from October was cancelled. I advised them yes that was correct to the old bank since I shut my account but I informed them that I made the payment via phone in October and going forward all payments will be made from the new bank. I even advised them that the online portal would not let me remove the old bank. Now we proceeded to process November payment with my debit card which was successful. Fast forward to December I noticed no payment request and my policies still cancelled. I called again and asked for a manager who advised me that my payments are in limbo and weren't applied to your policies but I will assure you I will escalate the situation and contact you. I even asked them should I make a December payment now, and she said NO until we apply your payments for the two preceding months. Now ******* is upon us and status quo. I try again to speak to someone in an executive position to explain this debacle, my frustration, and how I am passed around like a ping pong ball. I feel they hijacked my money and don't show empathy to my position. I hope you see why I am reaching out to the BBB since I am not being heard. What kind of company says they are sorry 9 times and promises to follow up with updates and not once since October can they provide resolution. Everything is recorded and documented so they shouldn't have any problem finding the information if they are willing to do the task.
Business Response
Date: 01/22/2024
Our company's response to your office is attached.
Customer Answer
Date: 02/01/2024

Complaint: 21102075

I am rejecting this response because:
I have read the rebuttal from Combined Insurance and their assurance that they were going to call me by week's end on or before January 26, **** never materialized. They in fact acknowledged that I did in fact phone in the payments which I tried for weeks to convey to them. At the very least, they could have called me and apologized for the major inconvenience that they caused me. In addition, as a business they should have made it their utmost duty to bring resolve to this matter. With all this in mind, they leave me highly disappointed that I chose to do business with this company over 20 years ago. Maybe someone who understands my frustration will sympathize with my position. Thank you for your assistance in getting my message to them.

Sincerely,

*****************************
Business Response
Date: 02/07/2024
Our company's response to your office is attached.
Customer Answer
Date: 02/09/2024

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:01/03/2024
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 have contacted Combined Insurance with a premium payment issue several times talked to 7 persons and they promise they will review the recording and get back to me. This issue started Oct 27,2023 and as of today is not resolved. I am 70 years old and paid on this policy for 22 1/2 years with no issue. I have contacted them via phone and e-mail and still no resolution. I spent from 1:50pm -5:05pm on the phone today . I have work my entire life in the customer service industry and never had such horrific service or lack of.
Business Response
Date: 01/10/2024
Our response to your office is enclosed.
Customer Answer
Date: 01/16/2024

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,

*************************
I received Combined Insurance letter today and have returned my payment and letter of instruction. Thank you.
Initial Complaint
Date:01/03/2024
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 filed an accidental claim on 10/23/23. it is now 1/3/24. i received a letter from them saying they are looking into this claim about a month ago. its their protocol that they do. And today no check, I tried to call them today and on hold for 3 hours with no answer. Am thinking this company does not exsist anymore, People beware
Business Response
Date: 01/12/2024
January 12, 2024

Better Business Bureau
******************************** 2000
*******, ** 60601

RE: YOUR ID # ********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office and responded directly to the customer with a letter. The letter should arrive shortly. Rest assured that this matter has been addressed accordingly.

As the release of policy information-specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:12/31/2023
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 am currently out on medical leave from work, and I have been since 10/25/23. I had to go to the emergency room and wasn't discharged until I had surgery. I applied 30 days later for my claim. I have been a member all my payments were directed deposits never late and never missed. Not sure when I joined maybe ****. I certified my mailing package to combined only to find out 3 phone calls later noone at combined can find my claim request. According to the **** the mail was retrieved from a combined/chubb employee on 12/09/23 @ 9:39 a.m. so, you can't blame the post office. My financial livelihood is dependent on the promises ************************* and the company promises in case of emergency. My bills won't wait nor do they care. It should be some form of accountability on the part of combined/chubb when employees are so careless, and reckless furthermore the website does not have a directory to contact corporate. I had to come here for help. I am still out of work. My wife is working double shift to keep our family afloat. It hurts me because. I thought I had a cushion a second option. You do everything right just to be wrong.
Business Response
Date: 01/10/2024
Our company's response letter to your office is attached.
Customer Answer
Date: 01/15/2024

Complaint: 21076341

I am rejecting this response because:
Dear Better Business Bureau:

I am sending this missive in order to rebuttal the response to my complaint ID ********

The company Combined/***** responded 1/10/****

In, regard to the first paragraph line 3 ********************* the Senior Coordinator indicated I was instructed to send documents

such as : Doctor's and employer's forms, a claim form from myself and authorization release forms.

What ********************* failed to mention had he even taking the time to contact the consumer/myself who because of my timely payments

pay all those employees *********

He would have learned, that all the documents mentioned were filled out completely and mailed to the provided P. O. Box

Chubb Workplace Benefits
**** Box **** Claim Department
******** **.18505-****

The mailing took place on December 7th,2023 furthermore, it was certified mailed

Please see certified mail receipt tracking # ****-0710-5270-1229-2150-50

According to the best and greatest postal service ************* POST OFFICE

the mail was delivered promptly to the **** Box address listed above on December 9th, 2023 at 9:39 a.m.

I provided the tracking number in the event if ********************* chooses to now due a diligent investigation

he too, will discover that yes, mail was sent from me and delivered and picked up by a "trusted "

employee of Combined/Chubb.

My complaint is where and who was the employee that carelessly did not return the mail to the office

did not log the mail or ensure the mail will go to the proper department in order for my claim to be processed.

Now I have uploaded ALL the documents received a Thank-You your request has been submitted and was provided with

a claim number (********).

I called combined on December 26th,2023 at 2:03 p.m. and spoke to Representative *** ****** who stated the documents were not received
A follow- up call was made the same day I received a different ************************* who stated a claim should be processed 2-3 days after
receiving the documents.

A 3rd call was made to combined December 27th,2023 at 8:42 a.m. I spoke with *************************** who also confirmed no documents were received.

A 4th call was made to combined on December 29th,2023 at 10:08 a.m. I spoke with ** at 11:27 a.m. he too confirmed no documents were received .

A 5th Call was made to combined on January 9th,24 and I spoke with ******* he too confirmed no documents were received by mail of email

A 6th Call was made to combined on January 10th, **** I spoke with **** who provided the claim number ******** my documents were again upload to combined

system utilizing this claim number.

A 7th call was made to combined on January 12th,**** at 11:47 a.m. and I spoke with ****** he too said no documents were received by mail or by the uploading system.

My question is to ********************* how many times do I need to send my documentations?

At what point do you own, ,take responsibility that Combined did not act in the best professional manner.

When paying consumer contact your organization clearly they are not at their best a simply apology would have been nice.
Instead your response letter was more of an act of attacking as if I drop the ball.

I did everything I was suppose to mail , phone call, uploading.

Combined claims to relieve burdens during your medical time instead you added to my already existing list of burdens.

Needless to say I am very disappointed, your reach the level of Senior Coordinator and not even a courtesy call (shame on you)

I now ask that this gets resolved. THIS IS NOT MY FAULT.

I felt the letter you sent is a generic template, because I know this is not combined/chubb first complaint.

Word of advice ********************* In the future get all sides of the story prior to responding. In the event there is anything else.

I can be reached at **************

Sincerely

Mr. ************************* not (insured) at least learn the name of the person
Business Response
Date: 01/18/2024
Our company's response to your office is attached.
Customer Answer
Date: 01/22/2024

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:12/28/2023
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.
Have had disability insurance and other insurances thru this company for 8+ years. Getting paid the money the owe you is ridiculous. Had surgery August 17 2023 filed a week later , turned in all paperwork they requested and it's now December ******************************************************* the money owed for time off work. Anyone who would have needed the money while on leave would have been screwed.
Business Response
Date: 01/08/2024
Our company's response is attached.
Initial Complaint
Date:12/27/2023
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.
Beginning February 2023 through October 2023 $14.23 per month was deducted from my 93 year old mothers checking account for an ********************** premium that is not hers. Ive sent documents to the company of her bank statements and have called at least six times explaining over and over again with no resolution. Her name is ********************* and has no account with them. I put a stop payment on in November 2023 with her bank. This company should be able to find whose account this payment should go to and give my mother a refund.Phone number I contacted ************ Address sent in documents Combined Insurance PO Box6703 ******** ** ************************************* this matter.*****************************
Business Response
Date: 01/03/2024
Hello. Our response for Complaint No. ******** is attached.
Customer Answer
Date: 01/08/2024

Complaint: 21061450

I am rejecting this response because:
of course my elderly Mother does not have an account with them. That is the problem. Premium payments were withdrawn from her bank account in error.
I have spoken to repeatedly to this company to several different representatives to no avail.
I mailed them the bank statements and gave them her bank account information over the phone. Ive left my contact information with them and received no communication.

Sincerely,

*****************************
Business Response
Date: 01/09/2024
Please see the attached response for this rebuttal. Thank you.
Customer Answer
Date: 01/10/2024

Complaint: 21061450

I am rejecting this response because:
Cant give a policy or account information because for the millionth time she DOES NOT have one with the company. Monthly deductions came out of her bank account IN ERROR.
My original correspondence contained all information and address where I mailed copies of her bank statements to this company. (Again-Sent to PO Box ****, ********,** *****) I called this number multiple times *************.
My email: *********************
phone: ************

Sincerely,

*****************************
Customer Answer
Date: 01/12/2024
I have provided this company this information except for a policy number or account number because My 93 year old Mother ********************* Does NOT have any with this company.
Ive given the banking information to the company phone number and sent copies of the bank statements as requested to the address I was given.
i am not going to give out her confidential banking information again in this forum. Im disgusted with the rude and disrespectful attitude of this company representatives.
Ive given my phone number and email address multiple times herein this forum annd previously called multiple times to this company and this could have been resolved with a simple phone call or email. As far as I am concerned they have stolen money from my 93 year old mother and are unwilling to resolve.
****************************;
************
*********************

Business Response
Date: 01/26/2024
Please review the attached response for this inquiry. Thank you.
Initial Complaint
Date:12/21/2023
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.
trying to file a death claim. have called, been on hold, hung up on. said they would send claim forms. two weeks passed. nothing happened. called again. after being om hold 15 min. told about previous call and asked for a supervisor. on hold 20 min. supervisor said they sent out forms. verified address. he said they would send forms. that was two weeks ago. still no claim forms i think they are doing this on purpose. Will call again. please e mail me back if you have heard similar problems or can help.
Business Response
Date: 12/21/2023
December 21, 2023

Better Business Bureau
******************************** 2000
*******, ** 60601

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

So we may properly review our records and address the complainants inquiry, we need the insureds information. Please ask the complainant to provide us with the insureds name/address or policy number. As soon as we receive the requested information,we will search, review, and respond accordingly.

We look forward to your reply.

Sincerely,

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

Customer Answer
Date: 12/28/2023

Complaint: 21042681

I am rejecting this response because: I HAVE ALREADY PROVIDED INFORMATION TWICE AND HAVE RECEIVED NO RESPONSE. Again the policy #7AL628229 Deceased ********************* DOD 10/17/23.

Sincerely,

*********************
Business Response
Date: 01/09/2024
January 9, 2023

Better Business Bureau
121 ******** Suite 2000
*******, ** 60601

RE: YOUR ID#: ********

Dear BBB Customer Relations Representative:

Thank you for your follow up correspondence that includes additional information, regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details of the matter noted in the inquiry to your office and contacted the customer by phone on January 4, ********* a voicemail message. And in follow up, a letter was also mailed today. The letter should arrive shortly. Rest assured that this matter has been addressed.

As the release of policy information- specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:12/20/2023
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 have had combined for 30 years, never **** with premiums. I filed a claim for my cancer policy and I am getting the run around about my claim. They said they needed more information, I sent it. Now two weeks later they said they cant find the claim. I cannot log in to the online portal so I called. I spoke to two different people, neither one can find the claim now. When you call you are on hold for 40 minutes. I dont understand why they will not pay out on the policy. I had a similar problem last year, it took me months to resolve it.
Business Response
Date: 12/28/2023
December 28, 2023

Better Business Bureau
******************************** 2000
*******, ** 60601

RE: YOUR ID #********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details noted in the inquiry to your office and contacted the customer directly with a letter that was mailed today. The letter should arrive shortly. Rest assured that this matter has been addressed accordingly.

As the release of policy information- specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Life Insurance Company of ********
Consumer Service Investigations
Task ID #******
Initial Complaint
Date:12/20/2023
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.
This email was sent to the following VP of Combined regarding my outstanding claims on December 3, 2023: ***************************** Vice ********** ***** Operations Combined, a Chubb Company **************************** ******************************************* Good morning *********,I hope all is well! I am reaching out to you with hopes to get my outstanding claims paid out ****! My policy number is W1264141.I personally have claims that were submitted back in October 2023 and it is now December and my claims are still yet to be paid. I have spoken to my claim adjustor and your customer service agents over 10 times.I am a ******* Firefighter, and Combined Insurances comes into our firehouse to solicit our business with misleading information stating claims will be paid out within **** days. This is very far the ****** I had not missed any payment as these payments are directly withdrawn from my payroll since 2018.The following claim numbers are OUTSTANDING:171601 - Submitted 10/19/2023 - Knee Injury, therapy and Surgeries and etc - Totally $4,315.00 ****** - Submitted 11/1/2023 - Back Injury, therapy and etc. - Totally $530.00 ****** - Submitted 11/8/2023 - Wrist and Hand Injury - Totally $225.00 I am also opening up a BBB and AG claim regarding these OUTSTANDING claims as Chubb/Combined Insurance disbursement time frames are ridiculous! I have attached the signed agreement for my payroll deduction for our contract agreement as well as the pamphlet that was given to us. I was just made aware by a denial letter that a claim has to be submitted by 3 years, 3 months and 14 days that was sent to me on December 10, 2023. This was never disclosed by your agent nor does it state anything in your pamphlet or the agent and client contract agreement that is attached. Thanks in advance,*************************
Business Response
Date: 12/29/2023
December 29, 2023

Better Business Bureau
121 ******** Suite 2000
*******, ** 60601

RE: YOUR ID#: ********

Dear BBB Customer Relations Representative:

Thank you for your correspondence regarding your ID Number referenced above.

Please be advised that our ***************** has reviewed the details of the matter noted in the customers inquiry to your office and contacted the customer by phone today. And in follow up, a letter was also mailed. The letter should arrive shortly. Rest assured that this matter has been addressed.

As the release of policy information- specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******
Customer Answer
Date: 01/02/2024

Complaint: 21035834

I am rejecting this response because:
I am extremely dissatisfied with Combined/Chubb insurance payout results and response to this BBB complaint!

My knee (ACL, Menicus and MCL) injury claim # ****** payout was totaling $4,315.00 and Combined/Chubb just issued a payment of $1,590.00 (without my permission to try to settle this BBB complaint). They refuse to payout what their brochures states it will pay. They have shorted me $2,725.00 for this knew injury claim alone!
My back injury claim #****** payout was totaling $530.00. Combined/Chubb denied the claim and refuse to pay any portion of this claim.
Combined/Chubb insurance brochures do not disclose ANY cut off timeframe to submit a claim nor does it disclose that it will ONLY pay for 1 MRI injury, 1 tendon and etc PER CLAIM.
Combined/Chubb Insurance is a rip off and falsely misleads potential clients so they sign up for their plans but find loop holes not to pay out and continue to receive payroll deductions on a bi-weekly basis.
Sincerely,

*************************
Business Response
Date: 01/09/2024
January 9, 2023

Better Business Bureau
121 ******** Suite 2000
*******, ** 60601

RE: YOUR ID#: ********

Dear BBB Customer Relations Representative:

Thank you for your follow up correspondence regarding your ID Number referenced above.

Our ***************** has further reviewed the customers follow up inquiry as well as the claim. A follow up response letter was sent to the customer today via ***** overnight mail. Rest assured that this matter has been addressed.

As the release of policy information- specifically regarding claims, is strictly prohibited and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office.

Thank you for contacting us.

Sincerely,

Combined Insurance Company of America
Consumer Service Investigations
Task ID #******/******
Customer Answer
Date: 01/10/2024

Complaint: 21035834

I am rejecting this response because: I was still shorted by what the payouts were suppose to be. This Combined/Chubb Insurance company is a scam and doesn't uphold the contract agreement to payout amounts in which are in their accidental brochure.
Please upload my complaint to their profile so that moving forward other customers as well as potential customers will be informed!

Sincerely,

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

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