Complaints

This profile includes complaints for Lincoln National Corporation's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Lincoln National Corporation

  150 N Radnor Chester Rd Radnor, PA 19087-5252

• 

  Lincoln National Corporation

  1500 Market St Ste 3900 Centre Square West Tower Philadelphia, PA 19102-2100

• 

  Lincoln National Corporation

  125 Summer St Ste 1400 Boston, MA 02110-1687

• 

  Lincoln National Corporation

  125 Summer St Ste 1400 Boston, MA 02110-1687

• 

  Lincoln National Corporation

  10 Saint James Ave Boston, MA 02116-3813

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:02/12/2024

  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 attempted to rollover my *** (and ****) from lfg to Fidelity on feb 11th 2024 to take advatage of btcoin etf's launching that very day. Today is march 12th and my my rollover is yet to hit my fidelity acct. its been over a month how is it in a digital age when money can be sent in a matter of minutes that it takes trillion dollar asset managers months ( now your money isn't working for you during that time) to still not deliver your money to someone else in a timely manor. They also are in the habit of having peoples acct numbers being those people SSN .... oops that's like a not acceptable business practice as of like 1985 thank you very much. SSN's are sold on the dark web. that's like using a phone number as if its some sort of encryption. In today's fast-paced world, sticking to old-fashioned checks feels like a step back, especially for trillion-dollar asset managers. Why? Well, digital payments are just quicker and more straightforward. They zip from one account to another almost instantly, which means no more waiting around for the mail or worrying about a check getting lost. Plus, digital payments are way safer. They're protected by all sorts of high-tech security measures, so there's less chance of fraud compared to a paper check that anyone could potentially intercept.And let's not forget about the planet. Sending checks means using paper and burning fuel for delivery, which isn't great for the environment. On the other hand, digital transactions are cleaner, cutting down on waste and emissions.Most importantly, people just prefer the ease of digital payments. They fit seamlessly into our lives, letting us manage our money with a few taps on our phones. So, for asset managers holding onto checks, it's time to embrace the digital age. It's not just about keeping up with technology; it's about offering faster, safer, and more eco-friendly options that match what people expect and deserve today.

  Business Response

  Date: 02/28/2024

  Dear ******************,

  Please see the attached.

  Thank you.

  Customer Answer

  Date: 03/01/2024

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: 21283586
  
  I am rejecting this response because:

  Using people's Social Security Numbers (SSNs) as their online account identifiers poses significant security risks. SSNs are sensitive personal information intended for specific uses, such as taxation and Social Security benefits, not for everyday identification purposes. When SSNs are used online, especially as account identifiers, they become vulnerable to theft and misuse. Cybercriminals can exploit this information to commit identity theft, financial fraud, and other malicious activities. Once an SSN is stolen, the victim may face severe consequences, including damaged credit, unauthorized financial transactions, and a long, complex process to restore their identity and security. Additionally, relying on SSNs as identifiers does not align with modern security practices, which recommend the use of multi-factor authentication and unique, hard-to-guess identifiers to enhance online security.

  Large trillion-dollar asset managers have a fiduciary duty to manage their clients' investments responsibly and efficiently, which includes executing transactions and transfers in a timely manner. When it comes to transferring funds, such as a ***************, delays can have significant implications for the client, including missed investment opportunities, potential tax consequences, and unnecessary stress. The expectation of prompt service is reasonable, given the resources and expertise these institutions possess. A delay from January 11th to March 1st in processing a *************** transfer is concerning and falls short of the industry standards for customer service and operational efficiency. It is crucial for such institutions to prioritize the swift resolution of transfer requests to maintain trust and uphold their reputational integrity. Clients entrust these organizations with their financial futures, and in return, they have the right to expect their transactions to be handled with the utmost care and expediency.

  In an era dominated by digital convenience, it is essential for financial institutions to adopt modern digital payment methods over outdated paper checks and postal systems, regardless of the associated costs. The transition to digital payments is not just about enhancing operational efficiency and security; it's a crucial step towards meeting the evolving expectations of consumers who demand faster, safer, and more convenient access to their funds. This shift, while requiring initial investment, is fundamentally about doing the right thing for consumers, ensuring transparency, and maintaining trust. By embracing digital payment technologies, asset managers can better serve their clients, reduce environmental impact, and stay competitive in a rapidly changing financial landscape.

  Its 3/1 and my **** rollover has still yet to be received by fidelity as I initiated this on 1/11 their is no way that's Legal none.

  
  
  
  Disgusted,
  
  *****************************
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 03/25/2024

  Please see the attached.

  
  Thank you.

  Sincerely,

   

  **************************
  Analyst, Compliance

  Legal Department

  Customer Answer

  Date: 03/25/2024

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: 21283586
  
  I am rejecting this response because: they are still using my ssn for an acct number its ridiculous. 
  
  
  Regards,
  
  *****************************
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:02/06/2024

  Type:Service or Repair Issues
  Status:

  UnresolvedMore 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 January 19, 2019 I purchased a fixed index annuity with Lincoln Financial for $917,070.24. Lincoln Financial did not offer any premium, as other annuities did, but they told me that I would be getting a 58% contribution of the S&P 500 every year. That percentage was reduced to 49% in 2021 and 44% in *********************************************************** to move my funds into another program. I only learned about these changes when I called a Lincoln representative in 2023 (4 years after joining!) and I asked why my gains were less than anticipated. In the year ending Jan. 14, 2024, the contribution to the S&P 500 was cut very substantially to just 29% of the S&P 500, again without any warning or letter that would allow me to move into another program. Because the S&P 500 was up a substantial 24.2% in 2023, my contribution was cut from 10.6% (44% of 24.2%) to a very poor 7.01%, accounting for about $38,500 of money that I failed to make. The losses would be much greater if we took into account the 58% contribution that was promised to me in 2019 upon joining Lincoln. These losses are clearly the result of several factors: 1. Lincoln's overpromising and underdelivering. They attract customers with big promises and they keep them tied up for 10 years, while lowering contributions year after year 2. when they make the cuts in contributions, they don't inform their customers which results in customers losing tens of thousands of dollars without even knowing they did and 3. I was told by my financial advisor who has been selling annuities for 30 years that he has NEVER seen annuity Companies reducing benefits by a gigantic 50% (from 58% in 2020 to 29% in 2024) as Lincoln has done. In summary, Lincoln Financial made big promises to retain me and my money for 10 years and then cut the benefits by a whopping 50%. In addition, because no one informs you of the substantial rate cuts and you only have a few days to change to another program, you are left with a very poor program that reduces substantially your ability to make money. That is NOT what annuities are intended to do. Reducing the benefits of older customers that live off Social Security like me, without even informing them, is not fair and just treatment.

  Business Response

  Date: 02/28/2024

   Response Attached

  Business Response

  Date: 02/29/2024

   

  Attached is my response letter.

   

  Customer Answer

  Date: 03/13/2024

  The reason I am re-filing the complaint is because Lincoln Financial has failed to get back to me as they promised in the letter they sent to the BBB about two weeks ago. Again, it has been over a month since I filed the original complaint and Lincoln Financial has NOT responded to my complaint as they promised. On January 19, 2019 I purchased a fixed index annuity with Lincoln Financial for $917,070. Lincoln Financial did not offer any premium, as other annuities did, but they told me that I would be getting a 58% contribution of the S&P 500 every year. That percentage was reduced to 49% in 2021, 44% in 2022 and 29% in *********************************************************** to move my funds into another program. I only learned about these changes when I called a Lincoln representative in 2023 (4 years after joining!) Because the S&P 500 was up a substantial 24.2% in 2023, my contribution was cut from 10.6% (44% of 24.2%) to a very poor 7.01%, accounting for about $38,500 of money that I failed to make. The losses would be much greater if we took into account the 58% contribution that was promised to me in 2019 upon joining Lincoln. These losses are clearly the result of several factors: 1. Lincoln's overpromising and underdelivering. They attract customers with big promises and they keep them tied up for 10 years, while lowering contributions year after year; 2. when they make the cuts in contributions, they don't inform their customers which results in customers losing tens of thousands of dollars without even knowing they did and 3. I was told by my financial advisor who has been selling annuities for 30 years that he has NEVER seen annuity Companies reducing benefits by a gigantic 50% (from 58% in 2020 to 29% in 2024) as Lincoln has done. In summary, that is NOT what annuities are intended to do. Reducing the benefits of older customers that live off Social Security like me, without even informing them, is NOT fair and just treatment.

  
  

  I want to exit Lincoln Financial effective immediately with a complete payout of the total value (not the surrender value)

  
  

  Business Response

  Date: 04/10/2024

  ***** Lindsey  FLMI, AIAA, AIRC
  Compliance Analyst
  Lincoln Financial Group
  ***********************************************************************************************

  ************ Office

  ************ Fax
  
  
  LincolnFinancial.com

• Initial Complaint

  Date:02/01/2024

  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.

  I have been attempting to contact Lincoln National Life Ins for two months now and no one returns a call nor answers the phone. The member has passed.

  Business Response

  Date: 03/05/2024

  Please see attached. 

• Initial Complaint

  Date:01/27/2024

  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 never elected to sign up for financial services through them, my job did it unknowingly. At which time they started mailing me, emailing me. I havent been at that job for like 4 years now. When I was at the job I called and closed the 401K account created in my name and asked them to never contact me. I even asked them to delete my info but I was informed they are federally required to hold consumer info for 7 years. I understood and ask that I not be emailed or mailed. I was told a request was put in. They continued to mail me. The mailing issue is a personal security concern for me. The mailing was going to address I lived at in *******, **. Years later, I still dont understand how an account was AGAIN opened in my name. They CONTINUED to mail me info graphics. SPAM MAIL. But because I set up a temporary mail forwarding to my sisters house while I moved out of state they got that address and became mailing everything to that address. They changed my account info to reflect that address and are now sending mail to that address. Because of the security concern my sister gets PO BOX services and had all mail going to that address sent there. She asked me NUMEROUS TIME to have them stop sending mail. Not to mention my sister NO LONGER LIVES AT THAT ADDRESS. I informed them but they want my current address to stop the mail? NO. Ive called LFG multiple times over the past 4 year requesting they STOP sending me mail and to close my account. They keep telling me I have to sign up for an Online account which will require me to register my DOB, current address, phone email and everything JUST TO REQUEST I CLOSE MY ACCOUNT, I refuse. I dont want them having anymore info. I do not want the money that appeared in the 401k account. Its not my money. The money was put there after I closed the account without my knowledge and permission. Every time I call I am told a ticket will be placed to request no ********** to the address they now have on file I keep getting mail.

  Business Response

  Date: 02/14/2024

  Dear ******************,

  Please see the attached.

  Thank you.

• Initial Complaint

  Date:01/23/2024

  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.

  I never received a copy of my policy. I requested one multiple times and was always given the runaround. I completed the steps requested in order to receive the policy and still never did. I was told a supervisor would call me back and they never did. I have decided to discontinue my business with this company as they are extremely unprofessional and not helpful at all.

  Business Response

  Date: 01/31/2024

  Attached please find our response.

• Initial Complaint

  Date:01/19/2024

  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.

  My previous employer switched to Lincoln Financial group for the company 401K plan. I was terminated 11/24/2023 officially. I requested the funds to be released to me on 12/24/2023. I've got nothing but different stories as to why and how much is being released. I initially requested $10,000 to be deposited electronically to my bank account. On Jan ******** I requested the balance of the account due to lack of communication. I called multiple times for updated only to be given the "run around". Today when I called I was told they mailed a check to my PO Box for $10,000. This is unacceptable as they are holding my money I deposited into this account. I was an employee for 11 years, my 401K is fully vested which includes the company money they offered to match. I received an email this past Monday, January 15, ************************************************************** 1-2 business days. That is the only communication from Lincoln Financial I've received regarding the receipt of my money.

  Business Response

  Date: 06/24/2024

  Attached you will find Lincoln's response to this matter.  

• Initial Complaint

  Date:01/17/2024

  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.

  Trying to get my money out of my account closing it. Started on Dec 26 2023 first it was wrong form, then they made a mistake on amount and every time I call I get a different answer. Today I got 2 different answers one was I should have it already and the other was Jan 22 to Jan 25. I call every day I gave them a week off last week since then I was told 17 or the18th now its pushed back again. Do I have to hire a lawyer?

  Business Response

  Date: 02/08/2024

  Dear ******************,

  Please see the attached.

  Thank you.

• Initial Complaint

  Date:01/16/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear *** or Ma'am, My name is ***************************** and I'm contacting you on behalf on our father, ****************************** Our mother, *************************, had a Lincoln National Life Insurance Annuity, policy number QP5253010. She recently passed away on November 29,2023 and I reported her passing a few weeks afterwards in early December 2023 to initiate a claim on behalf of our father, ****************************** Representative said they it would take 7-10 business to process the claim. From the latest statements, the endling balance on the policy was $9,909.02 and the Cash Surrender value is $9,133.99. I have called several times since then but get the same response about the claim being reviewed by their legal office. Our family is currently taking care of our father, ****************************** and we are requesting that the policy annuity funds be distributed now to our father to help with our his caregiving and funeral expenses. The claim number for our father's case is *******. Any help to further investigate and expedite our father's claim would be appreciated. Most Respectfully, The ****** Family

  Customer Answer

  Date: 01/18/2024

  Dear Sir or Ma'am, As requested here are the POAs for our father, *******************************, and our mother, ****************************, who passed away this past November 2023.   Please feel free to contact me if you need further legal documents.     

  Respectfully, 

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

  (Eldest Son of ****** and *************************)

  Customer Answer

  Date: 01/18/2024

  Dear Sir or Ma'am, I noticed that my father's POA may not have been sent.  I'm resending this in case you didn't receive it. 

  Respectfully,

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

  Customer Answer

  Date: 01/19/2024

  Dear Sir or Ma'am, This is ******************************  Thanks for your reply in requesting the ***s for my parents.  I had already sent the *** for our mother, *************************.  However, our father's *** was sent as a ZIP file.   I am not sure if you had received it so I'm resending our father's *** now as a PDF.  Thanks again for your consideration in reviewing our parent's case and please contact me if you have further questions. 

  Respectfully,

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

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

  Business Response

  Date: 03/04/2024

  Please see attached response letter. 

  Customer Answer

  Date: 03/05/2024

  
  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. 
  
  Regards,
  
  *****************************
  
  

• Initial Complaint

  Date:01/04/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  12/18/23 12/28/23 1/4/24. I requested funds be withdrawn from an annuity with Lincoln Financial. We discussed the amount the amount to be held for taxes and that it was to be wired to my bank account that they said they had a record of. They indicated it would take five days. Five days came and went no funds were sent. I contacted them on the 12/28 Wanted to know why the funds weren’t transferred they said they didn’t have the correct account number as I didn’t include and nine at the end of my account. I read directly from my checking account what my account number was the last 4+ the nine at the end which my account is according to my bank again funds weren’t sent. On 1/4 I requested that an overnight check be sent to my home address I was informed that it would take 3 to 4 days to get there that was early in the morning. Late that afternoon prior to closing I called and wanted a tracking number and what company they used to ship it out. They indicated that the funds hadn’t left the facility yet and they couldn’t provide me with a tracking number. At this point I feel like they’re holding my funds hostage and I have no recourse. They wouldn’t let me speak to a supervisor although they did take my phone number to have them call me back unfortunately that won’t happen until Monday. Again I’ve been waiting for these funds since December 18 I made my first request. I’ve never in my life had trouble like this with this company I cannot believe the amount of stress and distrust they have put me through. I would appreciate someone contacting them. Their contact number is **************. The person I spoke to today on the phone said they were operating out of Fort Wayne Indiana that’s where the check would be mailed from her name was *** she wouldn’t give me an employee ID number nor **** she let me speak to the supervisor. I’ve held this annuity policy since 2007. I’ve also filed a complaint with the SEC.

  Business Response

  Date: 01/17/2024

  ***** *******  
  Compliance Analyst
  Lincoln Financial Group
  100 N. Greene St.
  Greensboro, NC 27401 

  ************ Office
  ************ Fax
  
  LincolnFinancial.com

• Initial Complaint

  Date:01/02/2024

  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 applied for a withdrawal of $17,000 from my retirement on December 15, 2023 in order to have that amount appear on my 2023 taxes. This was to be a part of a multi year financial plan. Lincoln Financial sent me back an email with a different form to fill out on December 18th, which I filled out and returned on that day. I received no further communication from them nor did I see any further or pending activity on that account. I reached out to them on their 'contact us' portal, they didn't reply. I called them on December 28th and spoke with *** in customer service. She was very nice but could not help, indicating that she cannot communicate nor transfer me to the department responsible for processing my withdrawal. I requested to speak with her supervisor. ******************* took the line and informed me that there was an error made in the processing of my withdrawal and he would elevate the request to 'urgent'. He also mentioned that the request would be back dated to December 18. He could not clarify for me if that meant that the withdrawal would be reflected for 2023 for tax purposes, which I made clear to him as being very important. I file this complaint on January 2, ****. The account shows no activity nor activity pending. So much for the upgrade to urgent. This is the 2nd time I have requested withdrawal from my retirement accounts from Lincoln. I had problems that they could not explain to me for the other request also. I submit this to make it known that Lincoln Financial 1) makes withdrawal from retirement accounts difficult, 2) cannot communicate between departments to correct problems, 3) Do not respond to inquiries submitted through their 'contact us' portal, 4) Do not report or notify account holders when they make errors, 5) They do not do anything urgently.

  Business Response

  Date: 02/29/2024

  Please see the attached.

  Customer Answer

  Date: 02/29/2024

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: 21084831
  
  I am rejecting this response because:

   

    I was contacted by ************ representing Lincoln on  February 1 2024 with her detailed description of my correspondence with Lincoln related to a withdrawal from my retirement account.  In that correspondence she assured me that the withdrawal was dated for December 18, 2023 and provided the Federal and State tax amounts withheld.

   

   

  On February 1, 2024 I received confirmation from *********** that my withdrawal from December 18, 2023 was effective for tax purposes for 2023 and she provided the Federal and State amounts that was withheld.    I also received my quarterly statement from Lincoln dated December 31, 2023 showing that my withdrawal from that account happened prior to the December 31 date of the statement.      I reached out to Lincoln Financial asking for my 1099 R for that withdrawal so that I could do my taxes.   ************ sent me another letter rescinding her prior statement, she now claimed that 'they' have informed her that the withdrawal will be reflected for tax year 2024.   First of all I thought she was 'they'.   Secondly, I made a separate withdrawal from another Lincoln account in February, the amount of that transaction was carefully calculated and based on her assurance (in writing) that my December 18 *************************** 2023.  Her flipping her statement has resulted in my income amounts to be disadvantageous and will cost me thousands of dollars.  Lastly, I believe that Lincoln Financial is 'cooking the books' and violating Federal tax laws as they have provided me with a quarterly statement indicating a 2023 withdrawal from my account as well as dollar amounts withheld, but they refuse to produce the 1099 R for that.  I now have to reach out to the *** to report this discrepancy and get clarification on my responsibility for tax purposes and I will be asking that they investigate the irregular, inaccurate, or casually unorganized business conduct of Lincoln Financial as it relates to this transaction.
  
  
  Regards,
  
  *********************
  
  
  
  
  
  
  
  

  
  

  Business Response

  Date: 05/14/2024

  Please see the attached.

  
  Thank you.

  Sincerely,