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
- 305 total complaints in the last 3 years.
- 106 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:04/10/2023
Type: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 a life insurance with CHUBB I have mailed my sons original death certificate in two separate occasions and both times I received a letter stating I submitted a copy and its not legible. I need both original forms mailed back to me. I have tried contacting the claims examiner *********************** with no response and every time I call I get to someone they ask me to hold then the line disconnects. I am grieving the loss of my son and have to deal with this. Claim number V22Cooo9
Business Response
Date: 04/17/2023
April 17, 2023
Better Business Bureau of ******* & Northern ******** Inc.
***********************************************************************************************
RE: YOUR ID#: ********
Dear BBB Customer Relations Representative:
Thank you for your correspondence regarding your ID Number referenced above.
Please be advised that the consumers concerns have been brought to the attention of our Third-Party Administrator (TPA)-- ****** & Company (SelmanCo) for review and a response. SelmanCos Claims analyst called the beneficiary regarding the status of the claim and to address the concerns in the correspondence to your office; unfortunately, she was unavailable. The analyst left a detailed voicemail message as well as sent an email on April 12, 2023 his direct phone/fax numbers and email address were included. As the release of policy information specifically regarding claims is strictly prohibited due to privacy restrictions, and it is our goal to protect all confidential information, we are unable to provide additional feedback to your office. Rest assured that this matter has been addressed.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
Case #*******Initial Complaint
Date:03/16/2023
Type: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.
Disabilty insurance. Filed a claim. numerous phone calls. Online and by phone denying i filed a claim. ******** Accident claim number Salespeople for this company come around the firehouses and sell ** policies. They make it impossible to receive benefits after an injury.Business Response
Date: 03/24/2023
March 24, 2023
Better Business Bureau of ******* & Northern ******** Inc.
********************************************************> ******* ******** 60611
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 contacted our customer by phone on March 21, and 22, 2023; the adjustor left a message as he was unavailable. A letter was then sent on March 23rd, regarding his inquiry to your office. 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 any additional feedback to your office. Rest assured that this matter has been addressed.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
Case #*******Customer Answer
Date: 03/29/2023
Complaint: 19603392
I am rejecting this response because:
Sincerely,
***********************Initial Complaint
Date:03/10/2023
Type: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.
We have been a customer for 10 years or better. Our current claim has been open for a couple months now. We receive request after request to up load needed documentation which we have up loaded numerous times and still have not got any payment. The current claim number ******** is still outstanding. It should not be this hard to receive payment for coverage that we pay for. It is not hard to make your payment for the coverage. If this is not resolved in the next week we will be cancelling our policies. Which I am sure we will have an issue doing that as well and will end up just having the bank stop payment.Business Response
Date: 03/20/2023
March 20, 2023
Better Business Bureau of ******* & Northern ******** Inc.
********************************************************> ******* ******** 60611
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 contacted our customer by phone on March 16, 2023 and spoke with the spouse, as well as sent a letter today regarding their inquiry to your office. 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 any additional feedback to your office. Rest assured that this matter has been addressed.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
Case #*******Initial Complaint
Date:03/10/2023
Type: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 a disability policy with this company and they never want to pay on time never get an answer can not get the same answer from nobody. always tell you to give them 10- 14 days call back. i pay them every month or they cancel but they never pay me when they are supposed to. i have to call them all the time about my payment. very bad customer serviceBusiness Response
Date: 03/17/2023
March 17, 2023
Better Business Bureau of ******* & Northern ******** Inc.
***********************************************************************************************
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 contacted our customer by phone on March 14, 2023 and left a voicemail message, as well as sent a letter on March 16, 2023 regarding his inquiry to your office. 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 any additional feedback to your office. Rest assured that this matter has been addressed.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
Case #*******Initial Complaint
Date:03/10/2023
Type: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.
Dear Combine Insurance,I am writing to express my disappointment with the behavior of your agent, *****************. He approached me and my coworkers with a wellness program policy that he claimed was free and would be deducted from our taxes. This turned out to be untrue, and the premiums were instead deducted from our net pay, causing financial difficulties.Furthermore, despite being informed within the 30-day cancellation policy period, your company has refused to cancel our policies or return our money. This is unacceptable, and we demand that you cancel the policies and refund the premiums without further delay.We hope that this issue can be resolved promptly and amicably. However, if it is not, we will be forced to pursue legal action against Combine Insurance and its agent, *****************. We expect a response from your company and assurances that such fraudulent behavior will not be tolerated in the future.Sincerely,***************Business Response
Date: 03/22/2023
We are responding to your correspondence regarding BBB Case ID ******** and we sincerely apologize for the delay.Initial Complaint
Date:03/07/2023
Type: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.
The complaint is against Combined Insurance.I have had the insurance policy with Combined for 7 years, I have filed 4 claims in the 7 years, every time i file a claim i have to fight to get paid. their insurance adjusters will not contact you, nor can you contact them. When you call the ************* number you get a person that has no idea what is going on, they take your info, say you should receive payment within 24 to 48 hours, then nothing. you never receive anything, no one contacts you, so I call again, same things over and over. They can't connect you to the adjuster, they have no way of contacting one other than emailing them. the sickness was from 1/16/2023, i still have got nothing from combined. also when i get into the portal it does not work.Thank you ************************* **********Business Response
Date: 03/14/2023
We are responding to your correspondence dated March 7, 2023.Initial Complaint
Date:03/07/2023
Type: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 updated/changed my payment method to credit card ending in ****.I was sent 8 letters twice confirming my chnage. I had 8 policies. Combined charged my card for one one of my policies $7.25 they however did not charge my card for the other policies causing a lapse. I tried to bring it current but customer service could not provide an accurate number. I was told the system was down and I could not login to the customer portal. I said I changed my credit card and was told I only changed it for 1 policy. I said that cant be done and that I changed my payment method. I logged in to my page it has all my policies, their monthly premiums and form of payment. Each one has the same payment method of my credit card ending in ****. Combined insurance does not recognize their mistake and is not willing to rectify the problem. I should be allowed to pay the monthly premiums going forward march april etc.Business Response
Date: 03/16/2023
Our company's response to your office is attached. A separate response letter is being mailed to our insured.Customer Answer
Date: 03/16/2023
Complaint: 19547902
I am rejecting this response because: As I have stated my website shows all 8 policies with the same updated payment method. I received 8 letters verifying these changes. I did not received any cancellation letters on any of the 7 remaining policies. I only received a lapse notice for 2 policies. Something is wrong here and its on the companies end. My policies should remain in effect and not be changed(underwritten) etc.
Sincerely,
***********************************Business Response
Date: 03/21/2023
Our response to our insured's rebuttal is attached.Customer Answer
Date: 03/23/2023
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:03/03/2023
Type: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 October 31st 2022, I got into a car accident that was not my fault. I filed a claim with combined insurance because I paid in full an accident policy that says, the policy will pay $1700 per month per accident for the time I was out of work. I filed a claim online submitted all documents and follow up with a phone call and speak to many of their representatives to make sure the documents are received and they are working on it. Previously I filed a claim on a previous car accident on about December 16th 2021 and I got my benefits for 12 months I was out of work. Now, on this new claim for a new accident on October 31st 2022, they are giving me problems. First they say that you are not eligible for benefits because they thought it was on the old claim. And I had to explain to them this is a new claim. And some of the customer service representatives are very rude. Many times I called back and speak to many representatives and they say that I will be paid $1700 per month for the time I am out of work since October 31st 2022. And I never seen the $1700 per month paid to me. They never never resolved the problem and thats why i am making this complaint. This is robbery. I am paying for a disability policy that pays $1700 per month per accident and I never got a dime. This company make promises and don't keep those promises. All they care about is your premium paid for the month.Business Response
Date: 03/09/2023
We are providing response to BBB Case No. 19531822. ******************** will respond directly to the insured.Initial Complaint
Date:02/22/2023
Type: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 file 2 claims with Combined insurance. I have 4 policies. I had a heart catherization done in 2021 filed with them and they denied (the part of my heart the issue was with was excluded from benefit) how do you pin point coverage for specific artery? I let that go.1-17-23 I filled under the illness benefit for 1-9-23/1-3-23 for RSV illness (coverage) they have give me the run around said they didn't receive my complete claim when I ask what didn't you get, she said employers portion and Dr portion, I went thru the forms with her that were STAPLED when I mailed them, she kept saying we didn't get it over and over.This place collects premiums each month for me since 2014 $150 month. And I cant get any pay for accident, heart issue, and now 1 weeks pay.I have told them to stop deduction from my account, but I would be expecting reimbursement for this claim.CLAIM # ******-10205896Business Response
Date: 03/02/2023
March 2, 2023
Better Business Bureau of ******* & Northern ******** Inc.
***************************************************************************************** 60611
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 contacted our customer by phone on February 24, 2023, as well as sent a letter on March 1, 2023 regarding her inquiry to your office. *************** has also sent her a letter on February 23rd, confirming the cancellation of her policies per her request. 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 any additional feedback to your office. Rest assured that this matter has been addressed.
Thank you for contacting us.
Sincerely,
Combined Insurance Company of America
**************** Investigations
Case #*******Initial Complaint
Date:02/21/2023
Type: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.
CHUBB deducted the wrong amount from my bank account and I am not able to get a resolution or refund from them. I have since cancelled the policy. Original amount was $84.59. After a change in my policy it was to be $63.70. However, they continued to deduct the original amount. After my first set of calls to complain, my policy amount changed to $67.05. That amount was deducted until I cancelled the policy.Business Response
Date: 02/28/2023
We are providing our response for BBB Case No. ********.Customer Answer
Date: 03/01/2023
Better Business Bureau:
They have reached out to me by sending me a letter through ****** that I actually received this evening. The letter says they will be issuing a refund and apologized for the inconvenience. I am please with the outcome and to finally have this issue resolved.
Sincerely,
*************************
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