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

  100 N Greene St Greensboro, NC 27401-2547

• 

  Lincoln Financial Group

  PO Box 21008 Greensboro, NC 27420-1008

• 

  Lincoln Financial Advisors

  9800 4th St N Ste 100 Saint Petersburg, FL 33702-2457

• 

  Lincoln Financial

  6925 Mill Pond Dr Fairfield Township, OH 45011-2519

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:06/03/2024

  Type:Billing Issues
  Status:

  UnansweredMore 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.

  March 2024 a loan was paid off and an additional payment was taken with automatic withdrawal. I called to get a refund and was told it would be refunded ***** business days. June 2024 still no refund after numerous calls and attempts to talk to a supervisor. Ive been told i do not have a credit. Ive been told i still owe money on my loan and have been disconnected on numerous calls after sitting on hold for 30 minutes at a time. I cannot call their 800 number with my personal phone and i have to use a different number due to my calls not going through to their number. This is my 403b through work and i cannot change who they use. I have been told my information has been sent to their review team since April 2024 with no correspondence with any results. Ive been told i will receive the results by email. This has been a huge nightmare dealing with them.

  Customer Answer

  Date: 06/30/2024

  I contacted Lincoln Financial on June 21st and was told since I have filed a complaint they have to a have a different team that reviews the situation and they will contact me within a few days to a week. I have not been contacted by Lincoln financial by email, phone or text as of June 30, 2024.

  Customer Answer

  Date: 06/30/2024

  I contacted Lincoln Financial on June 21st and was told since I have filed a complaint they have to a have a different team that reviews the situation and they will contact me within a few days to a week. I have not been contacted by Lincoln financial by email, phone or text as of June 30, 2024.

• Initial Complaint

  Date:05/31/2024

  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 made a distribution request with the company on April 22, 2024. After waiting the 3-5 days, I called customer support to inquire why the distribution had not been completed. I was told by multiple customer service reps that there was a mistake made on LFG end and it would take 30 days to correct. I waited 30 days. There has still not been a distribution. I called back after the 30 days and asked what was going on. They said it would be 50 days...to correct their own mistake. I asked to speak to a manager. I was placed on hold for 30 minutes and finally connected. As soon as the manager greeted me, the call was disconnected on their end.

  Business Response

  Date: 06/07/2024

  Attached is Lincoln's response to this matter.

  Customer Answer

  Date: 06/10/2024

  [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:05/30/2024

  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 pension benefits should have started 12/1/2023. Lincoln Financial sent me my first notice on December 16th to which I filled out information and sent it back. They then sent an additional letter in March asking for more information. Which I again filled out all the information and sent back all the additional documentation they ask for. May 22nd, I called and was informed they have received all the documentation I have sent them the last 6 months, but they cannot issue any money until they send me another letter telling me they received all my information. He then informed they cannot pay anything in arrears. When I ask why they did not start his process earlier he claimed they sent a letter in July. I received nothing from them in July. I and my husband were shocked to see the letter in December as the company closed over ********************************************** July, why would they not send a follow up letter every 30 days as this was a timing issue to start the payments I called again May 30th and was told they sent out a letter two days ago. I ask when I would my money. He told me they need more information. On the 22nd they said they had it all. Now they wanted an original marriage certificate. This was proof that they received all the things they requested in April. I told him he wasnt getting the original, but I would send -again- a copy. I then called back and was told it would take ***** hours to get the certificate I e-mailed to them in the file. Then they would send me a confirmation letter after another 10 days. This will now take into June. They informed they will not pay in arrears, so I have lost 7 months of retirement money. It sounds to me as if they intentionally drug their feet to hold onto my money.

  Business Response

  Date: 06/06/2024

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

  Business Response

  Date: 06/11/2024

  Attached is Lincoln's response.  It appears our previous response from June 6, 2024, did not upload to your website.  Please accept our apologies.  

  Customer Answer

  Date: 06/26/2024

  [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: 21779894
  
  I am rejecting this response because:  They use the same excuse for dealing with the Ohio Insurance division where I reported them, saying they cannot respond because of privacy issues.  However, they have never responded to me either to clear up the matter. 
  
  
  Regards,
  
  *******************
  
  
  
  
  
  
  
  
  

  Business Response

  Date: 08/08/2024

  Lincoln has responded directly to Ms. **** on August 8, 2024.

• Initial Complaint

  Date:05/24/2024

  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 called Lincoln financial on April 19th to close out my accounts. They told me it would ***********-10 days to get 3 separate checks. I called 14 days later on May 2nd and was told oh your checks were put on hold for some reason we will get them processed for you. On May 4th I received the 2 smallest checks but not the $34,500 check. I called them on May 8th They said I could do a direct deposit and it would be faster 24-48hrs. So we cancelled the check. Still no deposit. 6 days later I then received the check dated May 2nd, I called again and was told the check was cancelled and the direct deposit went out this morning and you should have it in 24-48hrs.Again no phone call from them and no explanation of why I don't have my money. Today is May 24th I called and was told that they never did the direct deposit and sent another check in the mail. So I asked about having the check re-issued and a new one overnighted, they asked for my federal express account number which I called back later with that number. He said yes I can overnight your check , I gave him my account number and he said you do understand that if we over night a check there is a 15 day processing time. I said forget it Ill wait for the check in the mail. So basically closed this account 5 weeks ago and still have no money and probably wont see any for another 2 weeks. This is the worst company that I have ever dealt with.

  Business Response

  Date: 06/10/2024

  Re:  Complaint ID  ********; *************************

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

  I am writing in response to your letter dated May 28, 2024,to ***************************** at The Lincoln National Life Insurance Company (Lincoln Financial) regarding the above-referenced Complaint Number.  Due to privacy laws, Lincoln Financial cannot provide you with any account information regarding the complaint that ********************* filed.  Accordingly, Lincoln Financial has responded directly to ********************** 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. *********************************, AIRC, ALMI, ACS
  Analyst, Compliance
  Lincoln Financial Group
  **************************************
  ***************** ***** ************ Office
  ************ Fax
  
  Registered Representative of Lincoln Financial Distributors,Inc., a broker/ dealer. Insurance products are issued by Lincoln affiliates.Principal office located at ******************************************************* 19087-5221.Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.
  

  Customer Answer

  Date: 06/10/2024

  [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:05/22/2024

  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.

  Short term disability Claim # ******** dated 5/20/24.Licoln Financial ****************** does not recognize claim number. The were to email me "Medical Authorization Form" that was never emailed as of today. They provided me a portal address "MyLincolnPortal.com" that requires log in but it does not allow to register nor log in.It appears that Lincoln Financial is actively engaged in delaying tactics and to deny legitimate claims.

  Business Response

  Date: 05/23/2024

  Thank you for your inquiry.

  Please be advised that privacy laws limit what information we may disclose in our online responses.

   Please be advised that a supervisor contacted ***************** on May 22, 2024, by telephone and addressed his inquiry in full.

  If **** has additional questions regarding his claim, he may contact ********************************* at ************.

  Customer Answer

  Date: 05/23/2024

  [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 was contacted by ********************************* from  Lincoln Financial Group. She was extremely knowledgeable, helpful and supportive person and helped me resolved my issues. 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:05/20/2024

  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 put in for loan against my 403b from Lincoln financial, I did this on 4/24/24 and was told that I would get my money within 3-5 days. It has now been an entire month on Lincoln financial stringing me along and I have still not been paid my money. I want my money ASAP. Lincoln tells me day after day, week after week that the money is coming and has even told me a few times that the money is on the way. I have had multiple emails and phone calls week after week to find out why I have not gotten my money. I have been sent a payment schedule on a loan that I never even received! This is absolutely ridiculous and I want my money. I have bills that are overdue because of this, I have late fees to pay, I was depending on this money. They have been giving me the run around for an entire month. Enough is enough!

  Business Response

  Date: 06/18/2024

  Dear ******************, 

  Please see our attached response.

  Thank you.

• Initial Complaint

  Date:05/16/2024

  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 father passed in June 2023 and he had pension with these people. He worked over 30 years with the company. The representatives are telling me that he doesn't have anything because his type of policy ended when he died. That is complete and total bs. I know for a fact that my dad had multiple types of policies. He had 401-k, stocks and bonds and a group and individual life insurance policy that did not end at death. Who would get that kind of policy especially when you had money in the bank. The credit union in ********** are corrupt as well and need to be investigated immediately

  Customer Answer

  Date: 06/01/2024

  I need to discuss this case with some-one as it has many details I need to explain and multiple businesses have really dropped the ball on my Father's death and subsequent insurance fraudulecy. Those including ********************* in *********, **, ********* Funeral Home in **********, **, ******* Funeral Home in **********, **, Metlife Annuity plan for my father as well as Licoln Life. The Clerk of Superior Court actually tried to get to sign a document which would designate him as Executor over my father's ******* I declined. I have never received any of my father's personal belongings. I did not sign to have the body moved from the hospital. The funeral home didn't receive a death certificate for a week and I know the law is well below that time-frame. I wasn't even notified until my father had been dead for three days and I am his only child! ******* had a annunity for my father and are saying that the account is closed, By very definition- that account should be open until I am deceased because I am the LISTED BENEFICIARY OF HIS ANNUITY! Someone has moved my father's ***** from State ********************** to FIRSTBANK and the FUNERAL HOME WILL NOT RETURN MY CALLS AND GIVE ME THE TRUST INFORMATION THAT I SUSPECT THE CLERK OF SUPERIOR COURT HAS FRAUDULENTLY SET UP AND THAT IS WHY. My father didn't have an account with ********* and ************************* knew EXACTLY WHERE TO GO AN GET MY FATHER's MONEY and offered me $5,000 to make him the EXECUTOR. WHAT AN DISGUSTING THING TO DO AS CLERK OF SUPERIOR COURT TO  A GREIVING DAUGHTER! PLEASE HELP ME and my children. ************* has refused to give me the letter I need for the Clerk of Court to go to the banks and look into this myself- and I AM HIS ONLY LIVING CHILD! We don't know *****************************- how does he have access to my father's accounts?? Why have they been moved to a trust with FIRSTBANK and who did that? My father had dementia and couldn't have!
  

   

  Business Response

  Date: 06/07/2024

  Please see the response letter. 

  Business Response

  Date: 06/14/2024

  See attached response letter 

• Initial Complaint

  Date:05/03/2024

  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.

  On 3/26/2024 I filed for short term disability through Lincoln Financial due to a skiing accident. It is now 5/3/2024, I have received zero information or updates regarding my claim. Ive reached out to the company 3 separate weeks in a row attempting to get any sort of information or update. Every time *** called I was told I should hear from my claims advisor by the middle of the following week. Three weeks in a row theyve done this with zero update to my claim status each time. Now Im drastically falling behind on all bills and payments including my insurance provided by my employer which is going to cause me to lose my health insurance and prevent me from going back to work on time if something doesnt happen. Im beyond stressed and angry at this point since they wanted to tell me my claims advisor would reach out in 7-10 business days EVERY week I called but no one has reached out to me once. I would like for my case manager to contact me back as well as her manager since this matter should have been escalated weeks ago, and for them to finish the job of approving or not approving my claim, and if it is approved delivery of my owed disability payments. My claim number is **********.

  Business Response

  Date: 05/20/2024

  We are writing in response to your email dated 5/20/2024, to The Lincoln National Life Insurance Company regarding your case #********.  Due to privacy laws, Lincoln cannot provide you with any policy information regarding the complaint that *********************** filed.  It appears there was a delay in forwarding ********************** concerns to us.  It appears he reached out to the BBB on 5/3/2024 but we just received your inquiry today.  Our records indicate ****************** has spoken with the claims area on 5/13/2024 and payment was issued on his claim.  If he would like to speak with someone further regarding his claim, please let us know.

  Sincerely,

  Claims Resolution Services
  Lincoln Financial Group
  

• Initial Complaint

  Date:04/25/2024

  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 Lincoln financial for my retirement account. I tried to get a hardship request for my daughter's medical bills. It appears that they have lost my supporting documents. They have also denied hardship due to not having an insurance denial letter. Our medical services are not accepted by insurance and therefore there is no denial letter. I have called the company multiple times in the past two months with no resolution to this issue. I do feel like they are illegally holding my retirement money. I would like this issue to be investigated as I do think it is fraudulent behavior.

  Business Response

  Date: 05/23/2024

  See attached response letter. 

• Initial Complaint

  Date:04/20/2024

  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.

  My employer filed a claim on my behalf for group STDI on 4/1/2024, effective 4/1/2024. Aside from the intial call on 4/5/2024, no one has returned my voicemails to answer my questions about my claim, how to handle documentation for surgeries and policy questions. My APS and medical records were provided. When I call the customer service number, I am routed to the case manager voicemail. This person has not called me back.

  Customer Answer

  Date: 04/24/2024

  I was contacted by this business on 4/22/2024, resolving my current complaint. No further resolution is necessary at this time.

  Business Response

  Date: 04/25/2024

   Please be advised that privacy laws limit what information we may disclose in our online response.

  Our records reflect that we have spoken with *************************** and that she has been advised of the status of her claim.

  We anticipate that this matter has been resolved.