Complaints

This profile includes complaints for Guardian Life Insurance Co. of America's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Guardian Life Insurance Co. of America has 20 locations, listed below.

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• 

  Guardian Life Insurance Co. of America

  10 Hudson Yards New York, NY 10001-2157

  
• 

  Guardian Life Insurance Co. of America

  680 Andersen Dr Pittsburgh, PA 15220

• 

  Guardian Life Insurance Co. of America

  419 Plum Street Cincinnati, OH 45202-2632

• 

  Guardian Life Insurance Company of America

  P O Box 2459 Spokane, WA 99210

• 

  Guardian Life Insurance Co. of America

  84 State St Fl 5 Boston, MA 02109-2202

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:03/28/2025

  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.

  I am writing to file a complaint against Guardian regarding an unresolved dental insurance claim.On January 16, 2025, I visited a dentist who submitted a claim to Guardian for coverage. However, for an unknown reason, Guardian failed to pay anything toward this claim. When I contacted their customer **********************, a representative acknowledged that an error had occurred on their end and assured me that she would work to correct it.Despite my request for written confirmation that Guardian is addressing the issue, I have not received any such confirmation. I also requested to speak with a manager, but after being placed on hold for an extended period, the call was disconnected. The representative did not call me back, even though I explicitly asked to be contacted in case of **************** of today, there is no indication in my online account that ******************** is taking any action to resolve this claim. This delay is causing unnecessary stress and could result in late payment penalties from my dentist.I kindly request that Guardian promptly resolve this issue and pay my claim. Your assistance in holding Guardian accountable for their lack of communication and failure to fulfill their obligations would be greatly appreciated.

  Business Response

  Date: 03/28/2025

  Hello To whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

  Customer Answer

  Date: 04/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   I contacted my dentist office and according to them nothing was received from Guardian, meaning they have not paid the claim, and I still owe them the money

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ****** *******
  
  
  
  
   
  

  Customer Answer

  Date: 06/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   

   Guardian sent me an email that they are still investigating, so until a final conclusion this matter isn't resolved.

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ****** *******
  
  
  
  
   
  

  Business Response

  Date: 06/30/2025

  Hello To, whom it may concern,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

• Initial Complaint

  Date:03/12/2025

  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.

  On September 19, 2024 my son had braces put on by ******* Orthodontics (*******, **). They filed a claim with Guardian dental shortly after to cover the braces. Guardian Dental approved the claim, but sent the payment to our previous orthodontist, ***** Orthodontics (********, **), who was our provider in 2019. *********************** promptly called Guardian and said my son is not their patient, and returned the payment to Guardian on December 13th, 2024. Since then, I have called Guardian 7 times, and they will not send the payment to the correct orthodontist. ******* orthodontics submitted the claim multiple times, and I even submitted the claim, but without any response from Guardian. Every time I call, they say they will call me back, but they do not. I just need the payment resent to the correct orthodontist.

  Business Response

  Date: 03/12/2025

  Hello *******,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

• Initial Complaint

  Date:03/03/2025

  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.

  Claim payment not received and claim was processed over 2 weeks ago. I immediately reached out to my case manager multiple times from 2/15/25 to today 3/3/25. This claim payment was sent via mail (to the incorrect address due to APT number not being listed); I requested direct deposit payment as well. My case manager reached out 2 weeks after claim process to state the payment would take even longer. If I received a response in a timely manner then the address error/ direct deposit concern wouldve been caught weeks ago. To rectify the issue, the company offered to overnight the check so Id receive the check on 3/1/2025. I asked for a tracking number, but was told the information was not available. Even with my proactive efforts including voicemails, calls, and emails I still have not received a check from this company. This is very inconvenient as the purpose of paying for the *** insurance was to insure Id be covered in needed time.

  Business Response

  Date: 03/04/2025

  Hello *******,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  

  Thank you, 
  

  Corporate Inquiries.

  Customer Answer

  Date: 03/12/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  ******** ******
  
  
  
   
  
  

• Initial Complaint

  Date:02/26/2025

  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 NOV 12, 2024 MY OFFICE SENT THE ATTACHED CORRESPONDENCE TO GUARDIAN DENTAL (GUARDIAN LIFE) TO TERMINATE IN NETWORK PARTICIPATION WITH GUARDIAN DENTAL ********************* DATE GUARDIAN HAS NOT RESPONDED. GUARDIAN IS TRYING TO FORCE PARTICAPTION.

  Business Response

  Date: 02/26/2025

  To Whom it May Concern:

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response.

  Thank you,
  Corporate Inquiries

  Customer Answer

  Date: 03/11/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  THE OFFICE REQUIRES A TERMINATION LETTER WITH THE GUARDIAN LETTER HEAD .

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** ****
  
  
  
  
   
  

  Business Response

  Date: 03/19/2025

  To Whom it May Concern:
  

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response.
  

  Thank you,
  

  Corporate Inquiries

• Initial Complaint

  Date:02/11/2025

  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.

  Denied paying insurance claim when a licensed dentist told them this was needed. I had the coverage and they refused to pay any percentage of bill when I paid insurance that covered this. Zero percent when the coverage said 80%. Seems to be insurance claim fruad is happening with this company.

  Business Response

  Date: 02/11/2025

  Hello *******,

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  

  Thank you, 
  

  Corporate Inquiries. 

• Initial Complaint

  Date:02/04/2025

  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 have COBRA coverage under my former employer with Guardian dental. I had a newborn baby and asked my COBRA admin to contact Guardian dental to add the newborn baby to my dental coverage. However, Guardian said my COBRA admin did not submit correct information and asked me to ask my COBRA admin to resubmit request. Guardian has done this many times back and forth and refused to process the request of adding the newborn baby to the correct active coverage.I urge Guardian to finish processing the request: adding the newborn baby to the correct dental coverage and make the coverage active.

  Business Response

  Date: 02/05/2025

  Hello *******,

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  

  Thank you, 

  Customer Answer

  Date: 02/06/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

  The business contacted me for additional information but has not yet provided a solution.

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *** **
  
  
  
  
   
  

  Business Response

  Date: 02/07/2025

  Hello *******,

  Thank you for contacting us again. You will receive a formal written reply at the conclusion of our review. We appreciate your patience.   
  

  Should you have any questions in the meantime, please do not hesitate to email us again. 
  

  Thank you, 

  Corporate Inquiries 

  Customer Answer

  Date: 02/11/2025

  Better Business Bureau:
  
  I have contacted by the business via email and provided a solution in reference to complaint ID ********, and find that this resolution is satisfactory to me and the matter has been resolved.
  
  Sincerely,
  
  *** **
  
  
  
   
  
  

• Initial Complaint

  Date:01/29/2025

  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.

  Guardian Dental (specifically the Dental end of the business, I know nothing of their life insurance) is known for *consistently* denying crowns. They're an attractive dental option for employers because they're cheap. How do they remain cheap? Absurdly high claim denial rate. I have two molars that are in desperate need of crowns, but Guardian's "internal dentist" has consistently refused to cover the procedure despite my dentist continuing to send new x-rays and in-depth reasonings why it's the better long term solution. I've been in agony for months because they won't cover it, and I refuse to pay $1500 out of pocket for something that should be covered. Not only that, but now I'm out a few hundred dollars in fees for my dentist having to keep resubmitting documentation every time I try to get this done. I've paid into this insurance for almost a decade without anything more than a simple cleaning once a year or a filling here and there, and they have the nerve to continue to deny something so mundane. I want this procedure covered, because it's what I pay for.

  Business Response

  Date: 01/29/2025

  To Whom it May Concern:

  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response.

  
  Thank you,
  Corporate Inquiries

  Customer Answer

  Date: 02/04/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  No timeframe or form of contact has been specified, and I have yet to receive a phone call, email, or letter regarding this complaint. I don't have another 6 months to be in pain and barely able to eat. This needs to be resolved punctually.

  Sincerely,
  
  **** *******
  
  
  
  
   
  

  Customer Answer

  Date: 03/05/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  The business in question sent me a boilerplate response and when I tried to respond back, they said nothing. The filling in question has since fallen out, and both teeth in need of crowns are in agony. They've marked the complaint as closed even though no resolution has been met. I have been paying into this insurance for over a DECADE without any claims other than free cleanings. The reason their BBB rating is so low is *precisely* because they deny crowns. I will not be satisfied until they cover the crowns. Full stop. 

   

  Case # ********

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  **** *******
  
  
  
  
   
  

  Business Response

  Date: 03/05/2025

  Hello *******,
  
  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response. 
  
  Thank you, 
  
  Corporate Inquiries.

• Initial Complaint

  Date:01/20/2025

  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 receive Dental insurance coverage through Guardian and my workplace. I used they're lookup feature to find in network Dental Provider since it had been over 4 years since I had been to the dentist. I had an appointment on 8/19/24. During this appointment I was diagnosed with Periodontal Disease. They also identified significant decay to Tooth Number 30 requiring a crown. Dental Scaling and Root Planing on UL, LL was performed and then subsequently denied due to "Insufficient Bone Loss" The Bone loss. (Claim Number: ************) My Dentist appealed with further documentation showing bone loss and wrote appeal indicating for condition to not worsen this treatment was necessary. Do they want your teeth to be rotted out your head before they'll treat periodontal disease? We scheduled the crown to Tooth 30 to be done on 12/16/24 and my dentist submitted a Prior-Authorization. They was no response from Guardian regarding the Crown, and I had been experiencing pain and sensitivity to that tooth so we went ahead with appointment. Of course, again Guardian denied that claim (Claim Number: ***********). This was a tooth with significant decay, there was a huge BLACK area of the tooth. I was so shocked and disgusted by this particular tooth I took a photo of the image in office. They said they had never seen such a large cavity. The decision was made to go straight to a crown instead of filling because HALF THE **** TOOTH was a cavity. On the denial paperwork they indicated an Amalgam 1 Surf would have been considered- this tooth had decay to more than one surface and the cavity was of a size that significant structural damage would have occurred by removing just that area. Now not only do I need to fight with them about the Dental Scaling and Root Planing but also the Crown. This is ridiculous and reading the other complaints on here, had I known Guardian was in the business of scamming people I would have declined coverage and found another provider.

  Business Response

  Date: 01/20/2025

  To Whom it May Concern:

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will reach out to the customer directly with our response.

  Thank you,
  Corporate Inquiries

  Customer Answer

  Date: 01/21/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: 

  I have received no communications from the business addressing my problem 
  

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** ********
  
  
  
  
   
  

  Customer Answer

  Date: 01/24/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  I have still received no response from them. They said they would reach out but have not. 

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ***** ********
  
  
  
  
   
  

  Business Response

  Date: 03/07/2025

  Good morning *** ******** and BBB,

  We appreciate the opportunity to address your concerns.  As stated previously, Guardian replies directly to the client with our response to their complaint. It is not our practice, nor is it acceptable, to address specific information or divulge private information on a public website.  

  Instead, please refer to the responses we have sent directly to *** ******** on February 3, 2025 which contains our responses to your complaint.

  Again, thank you for the opportunity to address your concerns directly with you. Should you have any other question or issues, please let us know.
  

  Thank you,
  The Guardian Life Insurance Company of America, Inc.

• Initial Complaint

  Date:10/21/2024

  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 dental policy with Guardian Insurance via my employer. I had started a dental treatment including tooth extractions in order to have implants placed. During the process, my employment was terminated which made me lose my coverage. I personally called Guardian to see if they can reinstate my policy to continue treatment and the agent had confirmed it was possible if I had my employer policy for a specific duration which was verified and confirmed. I said I needed to have a guarantee of continuation of services hence the reason I was staying with Guardian. I was told yes it could be done and that since I am in treatment they also waived off my waiting period after verification on old policy. Now, as my treatment continues my dentist office sent in a claim and Guardian denied it because my extractions were done prior to the individual policy. It is unfair to me and I was falsely sold a policy and lied to. I have called multiple times with no answers nor verifications of my recordings. I have also attempted to speak to a manager or supervisor and they said they have sent the request for someone to call me back as per their policy and it has been close to 2 weeks and no one has ever contacted me. This may become legal due to lack of assistance and false claims when policy was sold. Very unprofessional. Claim ***********

  Business Response

  Date: 10/23/2024

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.

  
  Sincerely,
  The Guardian Life Insurance Company of America

  Customer Answer

  Date: 10/23/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: I would like to have an immediate proper response.

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ****-***** **********
  
  
  
  
   
  

• Initial Complaint

  Date:10/17/2024

  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.

  Dear BBB,A valid insurance claim for my daughter's braces (Dental Code *****) was processed as "Benefits are based on the use of a Non-Contracted Dentist." This is clearly incorrect but a claims specialist thinks otherwise and will not correctly reprocess the claim as in-network. When I asked why he said "because you are asking too many questions" in a telephonic conversation on 10/16/******* Insurance ID for ******************** Dental is: ********** Plan number: ********** (1) The orthodontist (practicing at the specific address/office) is clearly listed on Guardian's own website as in-network and accepting my insurance (SPECIFICALLY: "DentalGuard Preferred")************************************************************************* (a time-stamped PDF copy is also preserved)(2) The Dentist Practice lists that it accepts the insurance on its website:******************************************************(3) I confirmed with Guardian Dental that the doctor, Dr. ****** ***, is "in-network" prior to making the appointment.(4) ********** website indicates that our plan is Guardian Dental Guard Preferred. A fee schedule for different dental procedures is provided as a PDF (as noted above D8080 is the procedure my daughter is being treated for aka "braces").****************************************************************** schedule: *************************************************************************************** (5) I made a subsequent telephone call to Guardian on 10/16/2024 after my 27-minute discussion with the claims specialist "***** ****" (call ended at 9:33am) who said my claim could not be reprocessed because "you ask too many questions." At 9:58am I made a call to customer ********************** to verify that my dentist is in the network and "*****" and after confirming Dr. ****** ***** name, zip code, and address at ******************************************* she confirmed that he is in the network.Will provide more info in attachment...

  Business Response

  Date: 10/17/2024

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.
  
  Sincerely,
  The Guardian Life Insurance Company of America

  Customer Answer

  Date: 10/18/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  The business has not made any attempt to contact me and wants to conceal from the BBB and repeat its fraudulent denial of the claim that the ** was a "non-contracted" provider. As an additional piece of evidence, in reviewing my email, I found that on July 15, 2024 a Guardian employee indeed emailed me a provider directory listing, among other doctors, **. ****** *** at the address of ************************************************************************************** as a PPO-DentalGuard Preferred Provider. This stands in contrast to the claims supervisor who said his name was "***** ****" that I contacted who said that **. ****** *** was out of network.

  The resolution is simple and straightforward---reimburse **. ****** *** / ABRA Dental at the contracted rate ($4,378) for D8080 procedure since he is listed as a DentalGuard Preferred Provider both currently on Guardian's website directory and in the documentation I was sent on July 15th prior to making the appointment in August.

  Thank you kindly,

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

   

   

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  ****** *******
  
  
  
  
   
  

  Business Response

  Date: 10/30/2024

  Thank you for bringing this matter to our attention. Customer satisfaction is extremely important to us. We will provide a response directly to the complainant.
  
  Sincerely,
  The Guardian Life Insurance Company of America

  Customer Answer

  Date: 11/01/2024

  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 and the matter has been resolved.
  
  Sincerely,
  
  ****** *******