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.
106 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:08/15/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have continued to have the same issues over & over with this company. Almost every time, including last week, I file a claim, it is mishandled. I always file through their portal since this company is very slow at processing claims as it is (because they are mishandled), & I don't want to add more time to the process. My new claims filed, continue to attach themselves to an older claim & then I have to call & spend extensive time on the phone with this company, over & over, to have them open up a new claim, which is then changed by one of their representatives to a mailed check pmt. Each time, I have filled out the form & saved it as proof that I continued to fill out "E-payment" to receive my claim pmts, & quite a few times, I have been mailed payment instead. This takes forever, & this is even before the pandemic & issues that started with the mail service. It sometimes takes two weeks to receive a payment I was supposed to receive electronically in 1 day. In addition to that, if you have multiple procedures done, & try & file for all of them, you have to spend a lot of time making follow-up calls & emails, to try & get this issue addressed as well, so that I am paid out according to my policy. It is such an incredibly frustrating process to deal with this company. Especially when their operators read from a script with zero emotion in their voice & are typically unable to resolve any of the issues. I am told each time this happens, I just need to wait for the adjuster to process the claim & when I ask for a call back from that adjuster, they say they will pass the message along but no call back can be guaranteed. To boot, every single time they mail a check, they cannot fix their mistake by then sending it electronically. Which, I think, is a mistake they make on their end deliberately in order to keep their $ for longer (they are a business with a bottom line, after all). This has been going on for years yet the "supposed" portal issue has not been fixed.
Business Response
Date: 08/24/2023
August 24, 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 claim as well as the details of the matter noted in the customers inquiry to your office. They have contacted our customer with a letter dated August 24, 2023, responding to her inquiry and explaining the claim handling. 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 Life Insurance Company of ********
**************** Investigations
Case #*******
Customer Answer
Date: 08/30/2023

Complaint: 20472149

I am rejecting this response because:
I have not received said letter and when I called them on Friday, I was disconnected from several representatives after waiting enormous hold times. Finally a representative said she would have the adjuster email me a copy of the letter within ***** business hours. Needless to say, that time frame has passed and I have not received any letters from combined or any straight answers as to why this wasnt paid out as separate procedures. I have gotten a different answer from each representative *** talked to, who clearly have zero medical knowledge, which is what these payout terms require, a medical background. They had no idea what the procedures were that I was talking about, nor could they get me to a representative who did. Every single dealing Ive had with this company over the phone since Ive obtained this insurance had left me with ZERO answers. They might as well not have a call center because no one knows the answers to ANY questions, and all they do is say they are going to transfer you to a person or a voicemail and then hang up on you or make an excuse as to why that person is not available. Just AWFUL customer service leading to no answers or solutions. This case should be reviewed by someone who, again, has medical knowledge and expertise.
Sincerely,

*****************
Business Response
Date: 09/07/2023
September 7, 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 follow up inquiry to your office and contacted our customer accordingly. The adjuster called our customer yesterday- 9/6/2023, to discuss the claim and provide any clarification she may have; unfortunately, she was unavailable. The adjuster left a voicemail message including her direct phone number for a call back, as well as sent a follow up letter. Today, the customer was contacted again via email and provided with copies of the 8/24/2023 and 9/7/2023 letters that were sent via regular mail.

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 ********
**************** Investigations
Case #*******
Customer Answer
Date: 09/13/2023

Complaint: 20472149

I am rejecting this response because:
Yes. They did leave me a voicemail. I have submitted the following paperwork to them as of yesterday on their claims portal website, as well as emailing it to the representative who reached out to me on the phone and the one who reached out to me on email (they provided the letter they spoke of). It's still unclear to me, why, when comparing the November 2021 claim payment for two procedures done at the same time, versus the procedures on 8/7/23, there was a difference in the way that each of these service dates were paid out. The reason given does not make any sense as it pertains to the November 2021 procedures.

Sincerely,

*****************
Initial Complaint
Date:08/10/2023
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.
On December 8, 2020, my husband had a severe stroke. He has been going to Drs. since this occurrence. I received a check for 2 months through our policy coverage. March 2023 with the help of your company. They claimed thats all they received. I have sent certified paperwork twice,( with receipts acceptance on their end), faxed 65 pages ( with receipt) claiming they only received 12), uploaded 40 pages, (requesting more information from DR.which I sent) .I spoke to 3 different representatives informed me they have sent messages to adjuster to return my call. Calls not returned. I emailed the main person, again no response. I have an amount of what my policy should pay for disability, but again they are paying off of my accident policy not disiabity. I do need answers. My portal has no information except...CLAIM CLOSED. I definitely need answers.Thank you for your time,******************************* POA ***********************************************
Business Response
Date: 08/21/2023
We are providing our response for this inquiry.
Customer Answer
Date: 08/22/2023

Complaint: 20451133

I am rejecting this response because: I will wait to receive the letter to read their response. Combined Insurance has been prolonging this claim. 2 1/2 years is seriously too long.

Sincerely,

*******************************
Business Response
Date: 08/25/2023
We are responding to your follow-up correspondence dated August 23, 2023.
Customer Answer
Date: 08/28/2023

Complaint: 20451133

I am rejecting this response because: I have sent the doctor's ********* twice uploading via my portal to Combined and once via fax within the last month. Within the last 2 years, certified mail was sent twice. The information was sent on the physician ********* provided by Combined.

Sincerely,

*******************************
Business Response
Date: 09/07/2023
We are responding to the customer's rebuttal.
Customer Answer
Date: 09/13/2023

Complaint: 20451133

I am rejecting this response because: Wednesday Sept.6, 2023, as I was speaking to an adjuster about this claim once again, she was informing me of more information required to consider this claim. As I stated to her, I went according to their requirements. I sent 65 pages of medical along with the physician statement. She informed me the company needed a medical report from a doctor explaining why the doctor thought he was disabled. Having a severe stroke is not a reason she explained. She informed she was calling doctor's ****** for the fax number to received the information she needed. She did not call the doctor's ****** or send a letter that she had stated she did. The afternoon of the 6th of September I received an voicemail from another adjuster. He stated Combined was paying the claim and check would be sent out that night. Today is Sept.13, still no check and no letter.
Sincerely,

*******************************
Initial Complaint
Date:07/29/2023
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 called them several times and emailed them about canceling my policies. I no longer need their services. I need them to also refund me all my premium and return the payments made earlier.
Business Response
Date: 08/11/2023
August 11, 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 we have reviewed and responded to our customers inquiry to your office. We sent him letters as well as contacted him by phone to give an update and answer any questions he may havewe left him a voicemail message as he was unavailable. Rest assured that this matter has been addressed.

As the release of policy information 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
**************** Investigations
Case #*******
Initial Complaint
Date:07/20/2023
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.
When I first purchased products from this company, the representative presented the sickness policy in a way that this supplement would provide support in the event of sickness by providing surgery, hospital and even recovery time ( time out of work benefits) IT WAS NOT TRUE. I recently had gastric sleeve surgery. I went through the outpatient department at the hospital. I had to stay overnight because a scan must be done to make sure all is good, no leaks. All recovery is done *************** gives 4 WEEKS! I have had issues before with being slighted on my benefits that I pay monthly for and processing took months. So for this surgery, I was expecting my hospital benefit and surgery benefit. Before I could even submit the physician statement ( I submitted hospital paperwork, Statement wasnt ready yet) they processed everything. 2 Claims from years ago, a surgery and break, took months to go through. Their site says its ok to upload documents later. When I received statement, I sent it to them. Different reps gave different info, not informed to well. Sleeve may be a tough one but its a no brainer its major. So instead of getting all of my benefits they gave me partial. I am owed $850. I say that because they put for inpatient and Ill compromise on it if needed but I want my full benefits and we can part ways. I should really receive everything that is on my policy instead of loop holes being found.
Business Response
Date: 07/31/2023
Our company's response to your office is attached. A separate response is being mailed to our insured.
Customer Answer
Date: 08/01/2023

Complaint: 20350889

I am rejecting this response because:
As stated to the companys representative, I was discharged from the outpatient department See attached picture of chart notes. I reject the information in this letter. Also, this company knows that the hospital billing summary is going to lap everything together which is why I attached my chart notes. My discharge instructions were given same day as surgery. I needed a scan as part of my surgery follow-up in the same manner I needed to follow up a week later and a month later and 3 mos, etc. Always finding the loop holePurchasing two separate policies has nothing to do with this. I was sold policies under the pretense that certain coverages were in place in the event I needed them. Whether it was agent sales tactics or company fog to make the sale. First you say it is about classification. The physician statement gives an overall summary not full details. Also, note that even if one must stay for one night in the hospital, it does not declassify the surgery as outpatient. Please note that the company didnt supply a date of when I received my policy details upon purchase did they? It was purchased during Covid and details were done over the phone. If the agent presented the wrong policy, then admit that. I know what I was told and once again this company duped its customer as can be seen from the several other complaints similar to mine.
National Library of Med:Lap-RYGB has been recently reported with 23-hour outpatient admission requiring an overnight stay.
My surgery follow-up required a scan several hours later. My recovery and treatment was done at home, NOT in a hospital. This surgery is considered outpatient!

Sincerely,

*********************
Initial Complaint
Date:07/12/2023
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.
Purchased supplemental insurance from combined as early as ****.On 11/09/2021 I was injured at work and have filed claims to be covered by policies. As recently as 3/ 29/2023 I have sent all information that is pertinent for claim to be processed for a surgery and disability to injury which I've been out of work since nov9 2021. My original policy doesn't figure with their claims now and I am being totally ignored despite their assurance that the claim adjuster would reach out to me to work the claim , this has been over a year of runaround. I have 3 health and injury policies with them ,yet it seems as though they are not working them through. I have asked for copy of original contract in an effort to resolve the confusion which they said would be sent to me but hasn't, at the last conversation the representative told me I was infact eligible for that claim, yet adjuster is continuing to ignore my attempts to get in touch .Policies P46292664 index acc disability started in **** T9401264 acc started 2017 T6895474 health started 2013
Business Response
Date: 07/18/2023
July 18, 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 claim as well as the details of the matter noted in the customers inquiry to your office. They have contacted our customer by phone on July 12, 2023 as well as sent a letter dated July 18, 2023 that further explains the claim handling and responds to his inquiry. 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
**************** Investigations
Case #*******
Initial Complaint
Date:07/05/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My husband has supplemental insurance with Combined Insurance that covers the recovery period for severe illnesses, including multiple sclerosis, for a maximum of 6 months, which is my husband's diagnosis. Due to the severity of the illness, consecutive recovery periods will not be paid unless they are separated by more than 180 consecutive days. The policy states, "Consecutive recovery periods will be considered as one recovery period unless such periods are separated by at least 180 consecutive days or the recovery periods result from different or unrelated illnesses." We filed a claim on September 2, 2021, and the 6 months of total disability ($9,000) were paid. The following year, on October 16, 2022, we filed a new claim, and the insurance company denied it, stating that there must be recovery during the 180 days between claims. This is an illogical argument because multiple sclerosis has no recovery; it is a degenerative disease, and my husband will not recover from it. They conducted an investigation, and the doctor who treats my husband, ************************************, confirmed his diagnosis and condition. Despite this, they claim that he "should have recovered from multiple sclerosis" to reapply for the benefit. Our financial situation is precarious, and we cannot afford a lawyer, so we need your support in this matter. In addition to my husband, I have a son with intellectual disability and epilepsy, and we are unable to afford a lawyer to assert our rights.
Business Response
Date: 07/11/2023
Our company's response to your office is attached. Our **************** will be contacting our insured as soon as their re-review of our insured's claim is complete.
Customer Answer
Date: 07/20/2023

As I said in my previous email, I did not answer because I was waiting for the decision of Combined. They only called me and told me they would analyze the case again. I am still waiting, that is to say, they have not made a decision. Then, I reject the business response because it's been three weeks and I didn't receive a response from it.

I hope you can keep the case open

Thank you in advance

*** *************************
Business Response
Date: 07/24/2023
Attached is a copy of our response to your recent follow-up inquiry of July 20, 2023. Our **************** is mailing a separate, detailed letter to our insured, as mentioned in the attached letter.
Customer Answer
Date: 07/27/2023

Complaint: 20275666

I am rejecting this response because:
To provide context to the situation, I am referring you to the attached file: Policy.VictorCalleja,specifically to the section highlighted: BENEFITS FOR SERIOUS ILLNESS RECOVERY, Section B (page 4). This section states that, after demonstrating to Combined that a policy beneficiary has been diagnosed with a serious illness (by a specialist doctor), this insurance company commits to paying a monthly benefit if the insured is in a recovery period for a maximum of 6 months. If the recovery period is shorter, the policy states that Combined will pay a prorated benefit based on the number of days the insured is incapacitated.
Furthermore, the policy establishes that successive recovery periods will be considered as one (1)recovery period (Attachment: Policy.VictorCalleja, specifically in the highlighted section Recurrent Recovery Periods, page 6) UNLESS they are separated by *************************************************************** other words, 1 RECOVERY PERIOD MAY HAVE SUCCESSIVE RECOVERY PERIODS, and in this case, the beneficiary will receive a prorated benefit for those periods that will not exceed 6 months.
This policy also includes Multiple Sclerosis as a serious illness (page 5), which is my husband, ********************* ******* ******** condition. Therefore, this diagnosis was supported by a neurologist and by medical records to which Combined had access.
Now, after waiting for 9 months for Combined's decision to pay the benefits for serious illness recovery (Attachment:LastClaim********), we received two letters whose arguments for not paying this benefit are refuted in the following paragraphs. In them, I explain some points that I consider important to clarify and that validate our claim. This analysis is supported by the attached documents, which will be mentioned with their respective file names in the annexed documents.
In the first letter dated June 16, 2023 (Attachment: PreviousResponse), Combined argues that they will not pay the recovery benefits for the illness because my husband has been disabled since January 26, 2021, due to his condition of Multiple Sclerosis,and he "did not recover" to be eligible for the benefit after 180 days. This insurance company adds that my husband is in total and permanent disability and will not return to his normal activities, which is why the policy is now considered void.
In other words, according to Combined, my husband should have "recovered" and worked in order to be eligible for a payment for illness recovery again, and it is important to note that Multiple Sclerosis is a disease for which treatment helps to slow down the progression of the illness, reduce clinical relapses, and treat its symptoms, but it is an INCURABLE disease. Therefore, this argument given by Combined lacks logic. In this same letter, Combined urges us to cancel the policy because they will no longer make any payments for this illness as my husband will not "recover." This is something completely unheard of and illegal.
In the second letter (Attachment:CurrentResponse), they continue to maintain that they will not pay the benefits, but now they surprise us with a different argument.
Although in the second paragraph of the letter, Combined mentions that the policy acquired by my husband (the beneficiary) provides recovery benefits if the beneficiary cannot work due to an illness and, furthermore, it is stated in paragraph 3, specifically in the section entitled "Recurrent Recovery Periods" that successive recovery periods will be considered as one (1) recovery period unless such periods are separated by at least 180 days or were caused by a different or unrelated illness, this company now indicates that the period of disability from August 1, 2022, to February 28, 2023 (LastClaim ********), cannot be paid because it is NOT separated from the previous disability period by **************************** the attached file: PenultimateClaim********,the previous disability period was from May 08, 2021, to January 27, 2022. This means that from January 27, 2022 (the date the previous recovery period ended) until August 1, 2022 (the date the new recovery period started, Attachment: LastClaim********), 185 days have passed. This waiting time between the two recovery periods increases to 265 days if we consider the fact that Combined paid the recovery benefit until November 08,2021 (Attachment: PaymentPenultimateClaim********) because the 6-month limit had already been reached.
Likewise, in paragraph 5 of the letter (Attachment: CurrentResponse), this company states that they OVERPAID my husband's benefits because there were not 180 days between claims ******** and ********. In the attached files: AntepenultimateClaim******** and PenultimateClaim********, it can be clearly seen that PenultimateClaim******** was NOT overpaid because this disability period began on May 08, 2021, and the previous disability period ended on August 31, 2020 (Attachment:AntepenultimateClaim********), which means they were separated by 250 days. This period of time increases to 267 days if we consider the fact that Combined paid the recovery benefit until July 14, 2020 (Attachment:PaymentAntepenultimateClaim********), as the 6-month limit had already been reached.
These are irrefutable pieces of evidence of Combined's malicious decision regarding the payment for my husband's recovery in claim ********. My husband has a real condition, a serious illness, and we have no resources other than my job, as he is not eligible for disability benefits from social security. He could not complete the required 40 credits to qualify (he only has 28 credits).
Therefore, I urge you to mediate in this case. And if you consider that your actions cannot go beyond mediation,I ask you to support me in finding a legal team for low-income individuals that can back up my complaint to higher authorities.

Thank you in advance,

*** ************************* and *****************************
**************

Sincerely,

*** *************************
P.S. I couldn't attach the other documents because only it allows 5. But I have them. Please, could you please, tell me where I can send them you to?
Initial Complaint
Date:07/04/2023
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.
Combined Insurance keeps withdrawing money out my account each month and I've called cancel and now they started take money again ***** this month
Business Response
Date: 07/11/2023
We are providing our response for BBB Case No. ********.
Customer Answer
Date: 07/11/2023

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:06/20/2023
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been trying to get a hold of someone inorder to activate the online portal. I keep getting the run around a from the customer service agents. It's extremely frustrating and I have used there portal to send a message weeks ago for service since I cannot get through with customer service. I honestly should have just stayed with Aflac because there service is horrendous.
Business Response
Date: 06/30/2023
Our company's response is attached.
Initial Complaint
Date:06/19/2023
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.
Earlier this year I filed a claim from my policy. Unfortunately, I was denied the claim payout due to the qualifications. Premium payments were drafted from my account during the same time each month. In March of 2023, I received a letter dated March 30, 2023 from ************************/SS that works in the claims department. The letter stated "Under such circumstances, we cannot retain the premium you paid so you shall shortly receive a check representing a refund of all premium." Since this letter was sent out, Premium payments has continued to be drafted from my account. I have called and spoken with representatives countless of times and either I am told that "it is processing" or no one can give me any information. I have personally read the letter to the representatives that I have spoken with, and representatives states that they have reviewed the same ************** system after they verify the call. This month alone I have called on 06/6/2023,06/08/2023, 06/13/2023,and today, 06/19/2023. While on the phone today, the representative stated that she did not have any information, and that she was going to send an email to the manager about an update. I advised her that I was getting ready to submit a report on the BBB Website. She stated that she wanted to connect me to a manager before I submitted the report. I am getting very frustrated continuing to call Combined to follow up with my refund and no one can tell me anything. I would like for the company to refund the premium payments like they said they would be doing. Since the letter was mailed, I have called so many times, and at this point, I don't know what else to do. Hopefully, this matter can be resolved within the next couple of days, or I will have to find an attorney to help me dissolve this matter. Again, premium payments are still being drafted out of my account.
Business Response
Date: 06/21/2023
We are responding to your inquiry regarding BBB Case No. ********.
Customer Answer
Date: 06/27/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and the company has now refunded the policy as desired.
Sincerely,

***************************
Initial Complaint
Date:06/15/2023
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.
Was lied to by the sales person, now the company is saying that is not what I got.
Business Response
Date: 06/26/2023
We are providing our response for BBB complaint case # ********.
Customer Answer
Date: 06/28/2023

Complaint: 20190289

I am rejecting this response because:

Sincerely,

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

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Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

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