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:02/13/2025

  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.

  our mom past away on June 8th 2024. we reached out to Lincoln financial on June 24th and have gotten the run around with them. we have submitted everything they have required and will not issue the life insurance to us. My husband is the sole Heir as well as the executor of the estate. the only other person mentioned is myself his wife. We have go through 6 times on faxing everything they have requested even got notarized papers - sent them the final will and testament, the final will and the durable power of attorney. they refuse to respond furthermore refuse to respond to the life insurance money. We had 2 other polices that she set up and paid out with in 3-4 weeks

  Customer Answer

  Date: 02/19/2025

  The policy was started in 1970 and paid for till the day she died. They refuse to give us any information furthermore a statement showing the amount that we are entitled to. Never had to deal with a life insurance policy that doesnt give you all information 

  Business Response

  Date: 02/21/2025

  Attached please find Lincoln's response to this matter.  Thank you. 

  Customer Answer

  Date: 02/24/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this a very poor way of handling things we will  never ever use them or recommend them to any none. she has this policy since 1970 we went 7 months to get thigs clarified since june of last year refused to disclose and just wanted to know the amount further jore they wanted us to go probate which was in the will that we would not have to go that route
   . over fifty years of paying for life insurance and you might get close to 4000,0  very sad and i would recommend someone else to handle this to make sure you family is at ease
  Jennifer 
  
  

• Initial Complaint

  Date:01/31/2025

  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.

  On or about January ******. I submitted a urgent request for a loan out of my retirement funds. It's posted on their website this process is handled with in 7 to 10 days. It is January ******* and they are saying it is still processing but can't give me a date I will receive my money, only that a correction is still being fixed and will process after that. My *** from Lincoln said he put an urgent request and in the past it would be in my account in 2 days. That was 3 days ago. I feel like because I've called multiple times and questioned why this is taking so long, out of spite they are taking more time than. Should be allowed. This is my own money. How can I get help with this issue? They have shown to be incompetent with their own procedures and handling of my money

  Business Response

  Date: 02/20/2025

  Dear Ms. ********************* see the attached.

  Thank you.

• Initial Complaint

  Date:01/30/2025

  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.

  They keep trying to make me file a claim and will not assist when I have told them this is not claim related

  Business Response

  Date: 02/05/2025

  Complaint Case Number:  22880055

  Complainant:  ******* ******

  We are writing in response to your email dated 1/31/2025, to The Lincoln National Life Insurance Company (Lincoln Financial) regarding the above-referenced Case Number.  Due to privacy laws, Lincoln Financial cannot provide you with any policy information regarding the complaint that Ms. ****** filed.  Accordingly, manager, ***** *. communicated with Ms. ****** regarding this matter. 
  
  Thank you for bringing this matter to the company's attention. If you have any questions or should you need any additional information regarding this matter,please feel free to contact me. 

  
  Sincerely,
  ****** *.
  Claim Resolution Consultant
  Claim Resolution Services
  Lincoln Financial Group

• Initial Complaint

  Date:01/28/2025

  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.

  I received a letter from Lincoln Financial Group on 11/27/24 of my life insurance rates increasing. I called on 11/28/24 to find LFG was closed. I received an updated bill on 11/30/24 for $1343 instead of $958 as expected. I called in twice the first week of December only to get transferred around several times to different departments. They kept mentioning that they couldn't find my account and later on each call I got hung up on or given a different option to chose when calling back. I called back and finally got a lady to give me their email address since I couldn't get anywhere on the phone. I sent an email to the email address customer service provided and asked that my coverage be reduced (since I knew I couldn't get new life insurance policy in a couple days) and asked that the new coverage be in place prior to the *** payment from my account. The email did go through and did not come back as undeliverable, so they got the email. I didn't hear anything from the email, so I called back in 12/12/24 and was on the phone with them for over 2 hours with several different people. It was the same thing as before with transferring me around. I finally got a lady named ******** who took all my information down (SS#, DOB, Policy Number, Account Number, etc.). She promised that someone would call me back within 24 to 48 hours and that they could change my coverage to get the rates down. As of 1/28/25, I have never gotten a phone call or email from them. So, I called back in today (1/28/25) and got a lady on the phone, she couldn't find my policy or look me up by SS# and DOB, put me on hold and then hung up. I immediately call the BBB and ask how to proceed. I'm scared to death that I don't have life insurance coverage for me or my wife and kids. I've been paying this policy by them withdrawing it from my savings account since 2000 or so. I want a refund for the overage and someone to get me a new policy. I have been a paying customer for 25 years. Please help.

  Business Response

  Date: 02/03/2025

  We are writing in response to your inquiry dated January *******, regarding case number ********. Due to privacy laws, we are unable to provide any policy information regarding the complaint **** ***** filed. Lincoln has successfully contacted Mr. ***** regarding this matter, and it has been resolved.

  Customer Answer

  Date: 02/06/2025

  [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: 22867768
  
  I am rejecting this response because:
  

  I did receive a phone call *****. He said that he would do his best to help. I asked for a complete copy of my current policy and a refund for the overage that I was charged. I was told I could get a copy of my policy, a possible refund on the overage charge, and that he could get my coverage corrected with the new amounts I requested to keep the price down. As of 2/6/25 I have not received a copy of my current policy, a refund of any amount, and don't have any documents stating that my new coverage is in place. I need documentation of my police. Thank you. 
  
  Regards,
  
  **** *****
  
  
  
  
  
  
  
  

  
  

  Customer Answer

  Date: 02/12/2025

  I wanted to give an updated. *** issued me a refund check for the overage amount that was not approved by me. I got the check today. I still have not received a copy of my policy as requested, but you can close the case now. Thank you for all your help.

  Business Response

  Date: 02/19/2025

  We are writing in response to complaint ********.  Mr. Adams policy has been corrected, a refund and policy documents have been mailed. 

• Initial Complaint

  Date:01/25/2025

  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.

  Hello,I have attempted to update beneficiary information on my annuity account with *******************************************. I have spent 2 wks and over 3 hours total on phone calls to simply update my beneficiaries. I emailed all the necessary information on 1/10 but was told it was not received until 1/13 and would take 10 days. I was further informed that it would finally be changed on 1/23 which did not happen. Please note it took less than 30 seconds to update beneficiaries with Fidelity in the year 2025.Lincoln Financial's customer service in ************ is pathetic and would not let me speak to a supervisor when asked. Their supervisors have been given the almighty power to determine if they will speak with you. I also had an experience with one rep that demanded I provide my entire social number to him, even though it was entered by touch phone, passkey and provided acct number and other info. as I had when speaking with other reps. ********** there is no way to contact my advisor, no email reply him and no help whatsoever while they have my money. They are completely corrupt.The beneficiaries need to be updated immediately as I am having serious surgery soon. The audacity for a company to treat its customers this way is criminal. I also wish to move my money to a legitimate financial company where I can actually speak to an advisor about the annuity he is collecting commission off an that I was deceived into. I have tried in past to move my money away from Lincoln but they continue to delay and deny. I tried for 8 mos and filled out dozens of pages. I want to be free of Lincoln as they are corrupt and do not want them to hold one cent of my money anymore as they have no ethics as their numerous one star reviews *********** is pathetic that I would have to reach out to the BBB for something that should be so simple. Their corporate greed and massive $$$ increases are more important than providing actual customer service. Thank ********,******* ******

  Business Response

  Date: 02/11/2025

  Please find Lincoln's response to this matter.  Thank you.

• Initial Complaint

  Date:01/23/2025

  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 receiving multiple mailings from this group weekly for the past several years. I have tried to reach out to them to let them know the person they are trying to reach is no longer at this address (as advised by the post office). When contacting them I was told I could not speak to anyone unless I had a policy or an account number. when I tried explaining the situation the lady at the customer service call center asked that I illegally open someone else's mail to get her the account information. I declined to which she said she would not transfer me to someone else or allow me to speak with anyone regarding the matter. I would appreciate it if someone from this company cold please unattach my address from their mailings. Two years of someone else's mail, multiple times a week is getting exhausting constantly returning to sender. I have spoken with the post master numerous times and they advised I reach out to the company, which the customer service center is not allowing.

  Business Response

  Date: 02/21/2025

  Attached please find our response to the above referenced complaint. We kindly ask that you re-open the complaint and update your files to reflect our response addressing this issue. Please let me know if any additional action is needed.

   

  Thank you,

  ****

   

  **** ****** Compliance Analyst Legal Department   ************** Office Lincoln Financial *************************** **********, ** 2740

  Customer Answer

  Date: 03/03/2025

  Im terribly sorry, I havent been able to respond due to some family stuff. Even though I have sent back the company mailings for the past two years with the same notes on them and they didnt end the mailings until filing with the bbb, I accept the resolution if it means the mailings will FINALLY stop. 

• Initial Complaint

  Date:01/22/2025

  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.

  Lincoln Financial Group put a lien on the amount of money $10,000 that I'm supposed to receive from Geico due to an accident that happened on 5 December 2024. Lincoln Financial Group has not yet approved me for short-term disability and I have not received any money from them whatsoever. It seems kind of preposterous for them to put a lien on the $0 amount. Out of the $10,000 I have to also pay medical expenses with that money.

  Customer Answer

  Date: 01/27/2025

  My lawyer said they put a lien on the money that I'm supposed to get from Geico.  Lincoln Financial contacted me and said that they did not have a lien on it.

  Business Response

  Date: 01/30/2025

  We are writing in response to your inquiry dated 1/22/2025, to The Lincoln National Life Insurance Company (Lincoln Financial) regarding ******* **********, BBB Case #********.  Due to privacy laws, Lincoln Financial cannot provide you with any policy information regarding the complaint filed by Mr. ***************** Accordingly, Claims manager ***** *. reached out directly to Mr. ********** to discuss his concerns.

  Thank you for bringing this matter to our company's attention.

  Sincerely,
  
  ****** *.
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group

• Initial Complaint

  Date:01/14/2025

  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.

  Lincoln Finacial Group is to serve me as a beneficiary of the account. It has been months with little to no help or communication. Whenever I have to reach out to the company to seek any information or feedback, they refuse to have an open line of communication. I have to repeat the same lines " I'm the beneficiary of my deceased grandmother " during the long process of trying to get a status, which pains me everytime. This has been going on for months and I just want it to end already! I just called the legal department and was basically told to wait for god knows how long and I will get a response AFTER I get my distribution. I begged for a clear reason why it has taken months but again no one can give me anything. The pain this has caused me is mind-blowing.

  Business Response

  Date: 02/03/2025

  Dear Ms. ********************* see the attached. 

  Thank you.

• Initial Complaint

  Date:01/11/2025

  Type:Customer Service 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 insurance (offered by my employer) with Lincoln Financial (which is the marketing name for Lincoln National Corporation). I have contacted them numerous times over the last 2+ months because their website does not work on a PC or Mac. I discovered today that I have limited view access from my cell phone. I have requested the company fix their website issues multiple times, have requested to be contacted to resolve the issue, but I am met with silence. When I select any hyperlinks on their website, I am met with "page loader" or "page loading"; however, the pages never load. I have tried to log in from 4 different computers, in two different states and in another country. I am not sure if this is an issue isolated to just my profile or widespread to other users. I am requesting help with being able to successfully log into, view, and navigate within my profile on their website. If a claim would need to be filed for an illness, disability, or death, I or my beneficiary would not be able to do so. This feels intentional in preventing a consumer from having access to their paid for benefits.

  Business Response

  Date: 01/23/2025

  We are writing in response to your inquiry dated 01/13/2025 regarding case ID ********. Due to privacy laws, we are unable to provide any policy information regarding the complaint ****** ******** filed. However, Lincoln has contacted Ms. ******** directly regarding this matter and it has been resolved. 

  Customer Answer

  Date: 01/24/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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. 
  

  While the response is satisfactory, it is still disappointing and frustrating that it took the business months to resolve the initial complaint sent to them. It shouldnt take a BBB complaint for them to help their customers. 
  
  Regards,
  
  ****** ********
  

  
  

• Initial Complaint

  Date:01/10/2025

  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 submitted the proper form to receive disbursement from retirement plan and they took me through the ringer I filled in September 2024 and they telling me it will be sent only to find out now in the new year they have kept my money and removed account I have tried numerous times to resolve the matter how can I receive my money

  Business Response

  Date: 01/27/2025

  Attached is Lincoln's response to this matter.