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 has 33 locations, listed below.

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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:01/03/2025

  Type:Order 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.

  this company owes me $200 for my benefits they did not send me all of my money

  Business Response

  Date: 01/08/2025

  This letter is in response to your request dated and received January 6, 2025. We would like to thank you for sending this complaint to us on behalf of our insured, ******* ******. However, privacy laws limit the amount of information that we are able to provide you regarding this matter.Accordingly, we have responded directly to Mr. ****** regarding his concerns.  If he has further questions regarding his benefit payments, please have him reach out to his claims examiner.
  
  
  Sincerely,
  
  ****** *.
  Claims Resolution Consultant
  Claims Resolution Services
  Lincoln Financial Group

  Customer Answer

  Date: 01/10/2025

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

• Initial Complaint

  Date:01/01/2025

  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 Financial Group, the marketing name for Lincoln National Corporation and insurance company affiliates, has failed to take a reasonable amount of time review my claim and subsequently provide my payment for my disability. My policy is paid in full. The claim was filed on 11/11/2024 while I navigate an unexpected disability and difficult time. Now, 51 days later, my claim has been without a complete review. I received a notice December that my claim would undergo medical review, which was anticipated to be completed by Dec. 23.Due to the extended review time period, I am without pay and cannot afford the treatment needed to help me recover. Lincoln Financial Group's negligence with processing my claim has caused my condition to be exacerbated and is forcing me to pause my treatment until I can afford the payments. I am requesting that the company promptly finishes the claim review AND promptly provide short term disability payments so that I can afford my treatment.

  Business Response

  Date: 01/09/2025

  We are writing in response to your email dated 1/2/2025 to The Lincoln National Life Insurance Company regarding complaint ID ******** filed by ****** *******.  Due to privacy laws, Lincoln National Life Insurance cannot provide you with any specific policy/claim information regarding the complaint filed.  We can advise that a claim determination letter was sent to Ms. ******* on 1/3/2025.  Accordingly, Claim Supervisor ****** *. attempted to reach out to Ms. ******* on 1/8/2025 to discuss her concerns but was unable to reach her and a recording advised the voicemail box had not been set up.  Therefore, she was unable to leave her contact information.  If Ms. ******* has further questions after reviewing the claim determination letter, she will need to reach out to her claims examiner.

  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 us.

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

   

• Initial Complaint

  Date:12/31/2024

  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 am recovering from a stroke and Lincoln Financial provides short and long term disability for my employer, American Credit Acceptance. I cannot see my claim on their portal and have spent hours on hold with no solution. All I want is to see my claim information. ****** has been most helpful as others have transferred and disconnected me. I would like a return call to ************.

  Customer Answer

  Date: 01/02/2025

  I want to close complaint. Business got back to me.

  Business Response

  Date: 01/07/2025

   We are aware that the consumer is having difficulty viewing his claim via the disability portal. We apologize for this inconvenience. We contacted Mr. ****** and advised that he may reach out directly to his case manager with any questions regarding his claim. Of note, we have reported this issue to our client services team. Again, we apologize for this inconvenience. The consumer has been advised to contact his disability case manager directly and we will assist him with any claim related questions.

• Initial Complaint

  Date:12/31/2024

  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.

  In late September 2023, my mother (who resides in a non English-speaking country) experienced major discomfort in her lower back. 4+ years ago she had a broken hip; XRay was suggested by her Physician. [Absolutely independently of the above] I went down with COVID on October 04, 2023 in **********. Lincoln Financial Group dealt with both Claims. In either case, *** used its Form as a tool to reduce the payout or to deny the claim entirely. The Form inconvenienced my US ****************** and I was forced to return to work prematurely I believe. Since my mom resides in a non English-speaking country, there was pretty mich no way her primary Doctor/Physician would officially sign the *** Form (or any form) in English (or any non-native language). A bit later, my mom had to undergo a second hip surgery; I had to take time-off in January 2024 to handle her release from hospital.

  Business Response

  Date: 01/06/2025

   Please be advised that Privacy Laws limit what information that we may disclose in our online responses.

  A manager, ***** S, contacted *********** on January 3, 2025, by telephone. The consumer did not know why we called. If the consumer has any additional questions, please contact ***** *. @ *****************************

• Initial Complaint

  Date:12/31/2024

  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.

  In spring 2024, my company made a switch from valic to Lincoln financial for 403Bs. This transition did not occur smoothly and in June I was informed that I was about to default on a loan payment from my 403B due to missed payment. Previously, this was deducted from my account no weekly so it did not require me to submit any payments. When they switched me over, none of my contact information or bank information was transferred which resulted in me being penalized. I got in contact with them by June 2024 and thought that everything was resolved. From June until December every thing that they sent me was just updates from my investments. On 12/10 I received a letter from them stating that I again missed a payment and there was nothing I can do as my loan defaulted on 12/4. I received no phone calls, emails, or letters informing of this issue again. Now Im being penalized for them not doing their jobs during the transfer and due to zero notifications about an issue with my account.

  Business Response

  Date: 02/19/2025

  See attached response letter. 

• Initial Complaint

  Date:12/28/2024

  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 had an account with ********************** through my employer. It was a 401k. I rolled over my 401k into an *** because I no longer work for the company. There should have not been any fees withdrawn as it is being rolled over. I as approved for $********* to be paid out to my new retirement account with fidelity. Lincoln only mailed out *********. They with held $****** of my hard earned money with no explainition as to why. I called and the representative said it was a mixture of fees and the stock market going down but that did not make any sense because again its a retirement rollover and the stock market was not down. I was approved for ********* to be paid out to me because that was my account balance at the time all the stocks were sold. This is fraudulent. The company just took my money of which took 4 years for me to grow. They already take regular monthly fees. They took double fees in the month of December. This is absolutely ridiculous as they made money from fees all year and then took an additional $******. I asked to speak to a manager and I was told someone would call me back and they did not. I want them to mail out the ****** that I'm owed to fidelity or send it to my address because this is fraudulent. Please see where they took my investment earnings. It doesn't make any sense. It is my money and I was still invested. They stole my money.

  Business Response

  Date: 02/19/2025

  See attached response letter 

• Initial Complaint

  Date:12/26/2024

  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.

  I have been paying supplemental short term disability form may paycheck since January. I injured my knee on 6/30/24 which required surgery on 11/15/24. Have not worked since and was supposed to be receiving payment starting on 12/5/24. Lincoln has received all of the paperwork that they need and are still refusing payment. They are doing nothing to help resolve this.

  Business Response

  Date: 12/30/2024

  We are writing in response to the inquiry received on 12/26/2024 to The Lincoln National Life Insurance Company.  Due to privacy laws, Lincoln Financial cannot provide you with any policy or claim information regarding the complaint filed by ***** *****.

  Accordingly, Claims Manager ***** *. reached out to Ms. ***** directly on 12/27/2024 to address her concerns.  Thank you for bringing this matter to the company's attention.

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

  Customer Answer

  Date: 12/31/2024

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

• Initial Complaint

  Date:12/19/2024

  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.

  I signed up for Lincoln financial through my New employer. I called and spoke with a representative and specifically told her that I want $25 taken out of my check. **** is a new job and it being holiday season, if I want to increase that I will call back. I received my paystub. They took 40% $656 out of my check without permission a week before Christmas. I called and I explained to the representative that this cant happen, I did not approve that. The representative told me itll take a couple of weeks for me to get my money back I was appalled! For a company to take that much out of my check without my permission a week before Christmas and I have children is incomprehensible to me. The fact that Lincoln financial is telling me that its going to take weeks for me to get my money back and Christmas is next week is unbelievable. I spoke with two representatives and they couldnt do much. If dont get my money back before Christmas so my kids can have a good Christmas not only am I gonna sue **** company Im gonna call every news outlet that will listen. **** cannot happen! The representatives who are handling our account when we call in should be very careful when entering information that could affect others lives. I told multiple representatives that the call needs to be reviewed. I know exactly what I said and I know exactly what I agreed to and 40% was not it

  Business Response

  Date: 01/03/2025

  Dear *** *******, 

  Please see the attached.

  Thank you.

• Initial Complaint

  Date:12/11/2024

  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 have been trying to close out a 401/403 with this company for over 10 days. The company I had this contract through had terminated the contract they had with company in 2016. I havent work for company since 2018 which was only 30 days. But before that I work ********* with the company. Well I have been trying to close account. Have provided all my info they asked. And still not closing of account and the value of the account keeps going down and I asked for the money 10 days ago. Now its almost $200 less then my asking to be closed amount. Please help they keep giving me a run around. The said they distributed my only $45.75 I request the value of $3621.65.

  Business Response

  Date: 01/06/2025

  Dear BBB,

  I am writing in response to your email dated December 11, 2024, to ****** ******** at Lincoln National Corporation (Lincoln Financial) regarding the above-referenced Case Number.  Due to privacy laws, Lincoln Financial cannot provide you with any contract information regarding the complaint that Ms. **** ******* filed. Accordingly, Lincoln Financial has responded directly to 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.

  Respectfully,
  
  D. ******* *********
  Analyst, *********************************** ************** Office 
  ************** Fax 
  Lincoln Financial
  ********************************************************
  
  **********************************************
  
  
  
  Registered representative of Lincoln Financial ****************** (LFD), a wholesale broker-dealer and ***** member firm. I do not provide securities recommendations or investment advisory services. Insurance products offered through *** affiliates. Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliates. This email and its attachments may collect your personal information to improve Lincolns products or to provide you with services related to its products. For more information, please see our privacy policy.
  Notice of Confidentiality: **This email and its attachments may contain information that is privileged, confidential, proprietary, or subject to copyright belonging to the Lincoln National Corporation or its companies. This email is intended solely for the individual or entity to which it is addressed. If you are not the intended recipient, you are hereby notified that any distribution, copying, or action taken in relation to the contents of and attachments to this email is strictly prohibited and may be unlawful. Additionally, please notify the sender immediately and permanently delete any copies of this email and destroy any printouts.**

• Initial Complaint

  Date:12/10/2024

  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 workplace 365 data centers had migrated our retirement plans to Lincoln financial. following migrating I had been impacted by hurricane ****** and requested a withdrawal of my contributions under fema. The website would not allow it and the two reps I spoke with said and exception for the federal directive needs to be made. I was instructed that I would receive the form to request but heard nothing back. I called again and the company does not address the issue just unsure why this was not an option. We are nearing the end of the period to eligible for the withdrawal and still no resolution and no follow up as instructed

  Business Response

  Date: 02/21/2025

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

  Thank you.

  Customer Answer

  Date: 03/01/2025

  
  

  Customer Answer

  Date: 03/01/2025

  [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: 22665102
  Dear *** or Madam:
  
  I am rejecting this response because:
  
  I am writing in response to Lincoln Financials recent letter about my hardship withdrawal request from the 365 Operating Company LLC 401(k) Plan. I appreciate their acknowledgment of the difficulties I encountered; however, I must deny their proposed resolution because their delays led me to miss the vital timeline for my withdrawal to qualify under FEMA guidelines.
  Despite multiple follow-ups with Lincoln in November and January, it took until January 8, 2025, for them to provide the required form. By that point, the allowable window for my hardship withdrawal eligibility had lapsed. As a result, I am left without an acceptable solution to the financial challenges I originally sought to address.
  I respectfully request that the BBB continue reviewing this matter until a fair and timely resolution is achieved. If you have any additional information or need further clarification, please feel free to contact me at ************  or via email at **************************************
  Thank you for your assistance.
  
  Regards,
  
  Drakkar ********
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 03/10/2025

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

  Thank you.