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Better Business Bureau ®
Start With Trust®
East AL, West & Southwest GA

BBB Accredited Business since

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Description

This company offers a supplemental line of insurance to include hospital indemnity, accident, short-term disability, long-term care, intensive care and a life plan.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Aflac (Headquarters) meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Aflac (Headquarters) include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 488 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.


Customer Complaints Summary Read complaint details

488 complaints closed with BBB in last 3 years | 169 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 30
Billing/Collection Issues 74
Delivery Issues 8
Guarantee/Warranty Issues 6
Problems with Product/Service 370
Total Closed Complaints 488

Additional Complaint Information

Aflac is headquartered in Columbus GA and is an international corporation with numerous afflilated independent sales offices and agents.  The company has requested that all complaints for Aflac and any offices and/or agents affiliated with the Aflac brand be centrally processed by the Better Business Bureau, Columbus GA. 

Additional Information

top
BBB file opened: March 03, 1956 Business started: 03/01/1955 in GA Business started locally: 03/01/1955 Business incorporated: 03/01/1955 in GA
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

INSURANCE COMMISSIONER-ALABAMA
135 SOUTH UNION STREET #181, MONTGOMERY AL 36130
http://www.aldoi.gov/
Phone Number: 334-269-3550

INSURANCE COMMISSIONER-GEORGIA
2 MARTIN L. KING JR. DRIVE, ATLANTA GA 30303
http://www.gainsurance.org/
Phone Number: Main phone: 404-656-2070 Toll Free 800-656-2298

Type of Entity

Corporation

Contact Information
Principal: Mr. Daniel P. Amos, C.E.O.
Business Category

Insurance Companies Insurance - Accident & Health Insurance - Health Insurance - Life Insurance - Dental Insurance - Disability Hospitalization, Medical & Surgical Plans

Products & Services

Aflac (Headquarters) sells the following brand(s): Aflac

Aflac (Headquarters) offers the following product(s): Policies: Accident, Cancer/Specified Disease, Dental, Hospital Confinement Indemity, Hospital Confinement Sickness Indemiity, Hospital Intensive Care, Juvenile Life, Whole Life, Term Life, Lump Sum Cancer, Lump Sum Critical Illness, Short Term Disability, Vision, Supplemental Insurance

Alternate Business Names
Aflac American Family Life Assurance Co.
Industry Tips
Insurance

Additional Locations

  • 1932 Wynnton Rd

    Columbus, GA 31999 (706) 323-3431 (800) 992-3533

  • THIS LOCATION IS NOT BBB ACCREDITED

    11275 Dovedale Ct, Ste A

    Marriottsville, MD 21104

  • THIS LOCATION IS NOT BBB ACCREDITED

    1325 Mount Hermon Rd Ste 13B

    Salisbury, MD 21804

  • THIS LOCATION IS NOT BBB ACCREDITED

    265 Mill St

    Hagerstown, MD 21740

  • THIS LOCATION IS NOT BBB ACCREDITED

    8017 York Rd

    Towson, MD 21204

  • THIS LOCATION IS NOT BBB ACCREDITED

    809 Gleneagles Court

    Towson, MD 21286

  • THIS LOCATION IS NOT BBB ACCREDITED

    9525 Harford Rd

    Parkville, MD 21234

  • THIS LOCATION IS NOT BBB ACCREDITED

    11275 Dovedale Ct

    Marriottsville, MD 21104

  • THIS LOCATION IS NOT BBB ACCREDITED

    250 E 6th St

    Frederick, MD 21701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1121 Hanzlik Ave

    Rosedale, MD 21237

  • THIS LOCATION IS NOT BBB ACCREDITED

    1819 Bay Ridge Ave

    Ellicott City, MD 21043

  • THIS LOCATION IS NOT BBB ACCREDITED

    5608 Beach Haven Rd

    East New Market, MD 21631

  • THIS LOCATION IS NOT BBB ACCREDITED

    5317 50 Ave

    Red Deer, AB T4N 4

  • THIS LOCATION IS NOT BBB ACCREDITED

    1321 Millersport Highway

    Williamsville, NY 14221

  • THIS LOCATION IS NOT BBB ACCREDITED

    22 Corporate Woods Blvd #4

    Albany, NY 12211

  • THIS LOCATION IS NOT BBB ACCREDITED

    300 Pearl Street

    Buffalo, NY 14202

  • THIS LOCATION IS NOT BBB ACCREDITED

    New York Department 6010Po box 15087

    Albany, NY 12212

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 15087

    Albany, NY 12212

  • THIS LOCATION IS NOT BBB ACCREDITED

    129 Penacook Street

    Concord, NH 03301

  • THIS LOCATION IS NOT BBB ACCREDITED

    234 Lafayette Rd Unit 7

    Hampton, NH 03842

  • THIS LOCATION IS NOT BBB ACCREDITED

    68 Massabesic Dr

    Auburn, NH 03032

  • THIS LOCATION IS NOT BBB ACCREDITED

    1 Michael Dr

    East Hampton, CT 06424

  • THIS LOCATION IS NOT BBB ACCREDITED

    1 Michael Dr

    East Hampton, CT 06424

  • THIS LOCATION IS NOT BBB ACCREDITED

    258 Main St

    Portland, CT 06480

  • THIS LOCATION IS NOT BBB ACCREDITED

    258 Main St

    Portland, CT 06480

  • THIS LOCATION IS NOT BBB ACCREDITED

    281 Bittersweet Rd

    Orange, CT 06477

  • THIS LOCATION IS NOT BBB ACCREDITED

    281 Bittersweet Rd

    Orange, CT 06477

  • THIS LOCATION IS NOT BBB ACCREDITED

    70 Cove Rd

    Stonington, CT 06378

  • THIS LOCATION IS NOT BBB ACCREDITED

    70 Cove Rd

    Stonington, CT 06378

  • THIS LOCATION IS NOT BBB ACCREDITED

    823 Boston Post Rd Ste A

    Old Saybrook, CT 06475

  • THIS LOCATION IS NOT BBB ACCREDITED

    823 Boston Post Rd Ste A

    Old Saybrook, CT 06475

  • THIS LOCATION IS NOT BBB ACCREDITED

    2 Summit Ct. Suite 204A

    Fishkill, NY 12524

  • THIS LOCATION IS NOT BBB ACCREDITED

    122 E. 42nd Street, Ste. 1512

    New York, NY 10168

  • THIS LOCATION IS NOT BBB ACCREDITED

    199 Water Street, 23rd Floor

    New York, NY 10038

  • THIS LOCATION IS NOT BBB ACCREDITED

    9800 A McKnight Road #303

    Pittsburgh, PA 15237

  • THIS LOCATION IS NOT BBB ACCREDITED

    7500 Brooktree Road

    Wexford, PA 15090

  • THIS LOCATION IS NOT BBB ACCREDITED

    115 Jodi Lane

    Butler, PA 16002

  • THIS LOCATION IS NOT BBB ACCREDITED

    211 Quail Court

    Baden, PA 15005

  • THIS LOCATION IS NOT BBB ACCREDITED

    24 W Washington Ave

    Du Bois, PA 15801

  • THIS LOCATION IS NOT BBB ACCREDITED

    7500 Brooktree Road

    Wexford, PA 15090

  • THIS LOCATION IS NOT BBB ACCREDITED

    810 River Avenue Ste 230

    Pittsburgh, PA 15212

  • THIS LOCATION IS NOT BBB ACCREDITED

    97 Pickering Street

    Brookville, PA 15825

  • THIS LOCATION IS NOT BBB ACCREDITED

    9800 A McKnight Road #303

    Pittsburgh, PA 15237

  • THIS LOCATION IS NOT BBB ACCREDITED

    Olde Farm Office CentreSuite 104

    Duncansville, PA 16635

  • THIS LOCATION IS NOT BBB ACCREDITED

    810 River Avenue Ste 230

    Pittsburgh, PA 15212

  • THIS LOCATION IS NOT BBB ACCREDITED

    Olde Farm Office CentreSuite 104

    Duncansville, PA 16635

  • THIS LOCATION IS NOT BBB ACCREDITED

    115 Jodi Lane

    Butler, PA 16002

  • THIS LOCATION IS NOT BBB ACCREDITED

    12 Crown Plz Ste 203

    Hazlet, NJ 07730

  • THIS LOCATION IS NOT BBB ACCREDITED

    8957 Edmonston RoadSuite Q

    Greenbelt, MD 20770

  • THIS LOCATION IS NOT BBB ACCREDITED

    2405 Park Drive

    Harrisburg, PA 17110

  • THIS LOCATION IS NOT BBB ACCREDITED

    25 West 3rd Street

    Williamsport, PA 17701

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    275 Mundy Street

    Wilkes Barre, PA 18702

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    1780 WOODRIDGE COURT

    LEBANON, PA 17046

  • THIS LOCATION IS NOT BBB ACCREDITED

    District Sales Office226 West Park Place

    Newark, DE 19711

  • THIS LOCATION IS NOT BBB ACCREDITED

    1601 Milltown Road

    Wilmington, DE 19808

  • THIS LOCATION IS NOT BBB ACCREDITED

    7460 Lanceaster Pike

    Hockessin, DE 19707

  • THIS LOCATION IS NOT BBB ACCREDITED

    34 Cedar St, Suite 201

    Worcester, MA 01609

  • THIS LOCATION IS NOT BBB ACCREDITED

    71 Elm Street, Suite 100

    Worcester, MA 01609

  • THIS LOCATION IS NOT BBB ACCREDITED

    425 Union St # C

    West Springfield, MA 01089

  • THIS LOCATION IS NOT BBB ACCREDITED

    150 N Miller Rd Ste 300A

    Fairlawn, OH 44333

  • THIS LOCATION IS NOT BBB ACCREDITED

    2656 S Arlington Rd # B

    Akron, OH 44319

  • THIS LOCATION IS NOT BBB ACCREDITED

    835 Southeast Ave # 1

    Tallmadge, OH 44278

  • THIS LOCATION IS NOT BBB ACCREDITED

    8742 CLEVELAND AVE NW

    N. CANTON, OH 44720

  • THIS LOCATION IS NOT BBB ACCREDITED

    90 Alexandria PikeSuite 220

    Fort Thomas, KY 41075

  • THIS LOCATION IS NOT BBB ACCREDITED

    602 Chillicothe Street Suite M117 # 117

    Portsmouth, OH 45662

  • THIS LOCATION IS NOT BBB ACCREDITED

    13957 STAMPER RD

    MOORES HILL, IN 47032

  • THIS LOCATION IS NOT BBB ACCREDITED

    225 Harrison Ave

    Harrison, OH 45030

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO BOX 365

    WHEELERSBURG, OH 45694

  • THIS LOCATION IS NOT BBB ACCREDITED

    8240 Beckett Park Drive Suite B

    West Chester, OH 45069

  • THIS LOCATION IS NOT BBB ACCREDITED

    11260 Chester Road Suite 100

    Cincinnati, OH 45246

  • THIS LOCATION IS NOT BBB ACCREDITED

    2041 FRANKLIN ST

    COVINGTON, KY 41014

  • THIS LOCATION IS NOT BBB ACCREDITED

    4010 Executive Park DrSte 300

    Cincinnati, OH 45241

  • THIS LOCATION IS NOT BBB ACCREDITED

    1025 Harcourt

    Mount Vernon, OH 43050

  • THIS LOCATION IS NOT BBB ACCREDITED

    30 Northwoods Blvd Ste 100

    Columbus, OH 43235

  • THIS LOCATION IS NOT BBB ACCREDITED

    4588 Kenny Rd # 100 A

    Columbus, OH 43220

  • THIS LOCATION IS NOT BBB ACCREDITED

    6827 N High St

    Columbus, OH 43085

  • THIS LOCATION IS NOT BBB ACCREDITED

    Regional Office760 Northlawn Dr

    Columbus, OH 43214

  • THIS LOCATION IS NOT BBB ACCREDITED

    5755 Granger RdSte 615

    Independence, OH 44131

  • THIS LOCATION IS NOT BBB ACCREDITED

    6450 Poe Ave Ste 211

    Dayton, OH 45414

  • THIS LOCATION IS NOT BBB ACCREDITED

    42 Wood Croft Trl.

    Dayton, OH 45430

  • THIS LOCATION IS NOT BBB ACCREDITED

    8648 Old Troy Pike

    Huber Heights, OH 45424

  • THIS LOCATION IS NOT BBB ACCREDITED

    14022 Royal

    Redford, MI 48239

  • THIS LOCATION IS NOT BBB ACCREDITED

    15337 Farmington Rd

    Livonia, MI 48154

  • THIS LOCATION IS NOT BBB ACCREDITED

    15337 Farmington Road

    Livonia, MI 48154

  • THIS LOCATION IS NOT BBB ACCREDITED

    18877 W 10 Mile Rd

    Southfield, MI 48075

  • THIS LOCATION IS NOT BBB ACCREDITED

    4488 Jackson Rd

    Ann Arbor, MI 48103

  • THIS LOCATION IS NOT BBB ACCREDITED

    4488 Jackson Rd

    Ann Arbor, MI 48103

  • THIS LOCATION IS NOT BBB ACCREDITED

    18877 W 10 Mile Rd

    Southfield, MI 48075

  • THIS LOCATION IS NOT BBB ACCREDITED

    301 Erie Stone Rd

    Huntington, IN 46750

  • THIS LOCATION IS NOT BBB ACCREDITED

    3426 Taylor St

    Fort Wayne, IN 46802

  • THIS LOCATION IS NOT BBB ACCREDITED

    (District Office)605 W Edison Rd Ste B

    Mishawaka, IN 46545

  • THIS LOCATION IS NOT BBB ACCREDITED

    530 E. Lexington Ave., Suite 175 B

    Elkhart, IN 46516

  • THIS LOCATION IS NOT BBB ACCREDITED

    103 W. Wayne, Suite 300

    South Bend, IN 46601

  • THIS LOCATION IS NOT BBB ACCREDITED

    25416 CR 6 (Former)Suite 104

    Elkhart, IN 46514

  • THIS LOCATION IS NOT BBB ACCREDITED

    310 W McKinley, Suite 350

    Mishawaka, IN 46545

  • THIS LOCATION IS NOT BBB ACCREDITED

    625 E. Bristol Street, Suite BFORMER: primary, reportab

    Elkhart, IN 46514

  • THIS LOCATION IS NOT BBB ACCREDITED

    7159 E Grace Ave

    New Carlisle, IN 46552

  • THIS LOCATION IS NOT BBB ACCREDITED

    3300 Lower Huntington Rd.

    Fort Wayne, IN 46809

  • THIS LOCATION IS NOT BBB ACCREDITED

    824 Mill Lake Road

    Fort Wayne, IN 46845

  • THIS LOCATION IS NOT BBB ACCREDITED

    616 Sawyer Rd

    Kendallville, IN 46755

  • THIS LOCATION IS NOT BBB ACCREDITED

    1151 Troutwine Rd

    Crown Point, IN 46307

  • THIS LOCATION IS NOT BBB ACCREDITED

    1364 Baldwin St

    Jenison, MI 49428

  • THIS LOCATION IS NOT BBB ACCREDITED

    4565 Wilson Ave SW Ste 5

    Grandville, MI 49418

  • THIS LOCATION IS NOT BBB ACCREDITED

    450 Morris Ave

    Muskegon, MI 49440

  • THIS LOCATION IS NOT BBB ACCREDITED

    678 Front Ave NW Ste 91

    Grand Rapids, MI 49504

  • THIS LOCATION IS NOT BBB ACCREDITED

    1023 Aberdeen St NE

    Grand Rapids, MI 49505

  • THIS LOCATION IS NOT BBB ACCREDITED

    9247 N Meridian Street #205

    Indianapolis, IN 46260

  • THIS LOCATION IS NOT BBB ACCREDITED

    389 E. Morgan Street, #4

    Martinsville, IN 46151

  • THIS LOCATION IS NOT BBB ACCREDITED

    1550 Trent Blvd. #1502

    Lexington, KY 40515

  • THIS LOCATION IS NOT BBB ACCREDITED

    1795 Alysheba Way Suite 1203

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    2220 Executive Dr Ste 204

    Lexington, KY 40505

  • THIS LOCATION IS NOT BBB ACCREDITED

    1795 Alysheba Way Ste 1104

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 54468

    Lexington, KY 40555

  • THIS LOCATION IS NOT BBB ACCREDITED

    112 Lynn Drive

    Berea, KY 40403

  • THIS LOCATION IS NOT BBB ACCREDITED

    131 Prosperous Place

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    160 Prosperous Place #300

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    501 Darby Creek Road #2

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    501 Darby Creek Road #37

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 54256

    Lexington, KY 40555

  • THIS LOCATION IS NOT BBB ACCREDITED

    2480 Fortune Dr Ste 100

    Lexington, KY 40509

  • THIS LOCATION IS NOT BBB ACCREDITED

    55 Carroll Lane

    Dawson Springs, KY 42408

  • THIS LOCATION IS NOT BBB ACCREDITED

    7400 New LaGrange Rd

    Louisville, KY 40222

  • 306 Forest Park Road

    Louisville, KY 40223

  • THIS LOCATION IS NOT BBB ACCREDITED

    703 Wilford St.

    Mayfield, KY 42066

  • THIS LOCATION IS NOT BBB ACCREDITED

    3220 Bement Street

    Paducah, KY 42003

  • THIS LOCATION IS NOT BBB ACCREDITED

    1855 Wells Rd

    Orange Park, FL 32073

  • THIS LOCATION IS NOT BBB ACCREDITED

    3312 N. Oak Street Ext # C

    Valdosta , GA 31605

  • THIS LOCATION IS NOT BBB ACCREDITED

    359 Commercial Dr Ste B

    Savannah, GA 31406

  • THIS LOCATION IS NOT BBB ACCREDITED

    3312 N. Oak Street Ext # C

    Valdosta , GA 31605

  • THIS LOCATION IS NOT BBB ACCREDITED

    1170 Higley St.

    Toledo, OH 43612

  • THIS LOCATION IS NOT BBB ACCREDITED

    4500 N. Detroit Ave., #200

    Toledo, OH 43612

  • THIS LOCATION IS NOT BBB ACCREDITED

    6845 Ramblehurst Rd.

    Sylvania, OH 43560

  • THIS LOCATION IS NOT BBB ACCREDITED

    5301 Southwyck Blvd., #103

    Toledo, OH 43614

  • THIS LOCATION IS NOT BBB ACCREDITED

    5301 Southwyck Blvd., #206

    Toledo, OH 43614

  • THIS LOCATION IS NOT BBB ACCREDITED

    2382 Plymouth East Rd.

    Greenwich, OH 44837

  • THIS LOCATION IS NOT BBB ACCREDITED

    117 West St.

    Jonesville, MI 49250

  • THIS LOCATION IS NOT BBB ACCREDITED

    134 W.S. Boundary

    Perrysburg, OH 43551

  • THIS LOCATION IS NOT BBB ACCREDITED

    164 E. South Boundary

    Perrysburg, OH 43551

  • THIS LOCATION IS NOT BBB ACCREDITED

    3772 Starr Center Drive

    Canfield, OH 44406

  • THIS LOCATION IS NOT BBB ACCREDITED

    1278 Hendersonville Rd

    Asheville, NC 28803

  • THIS LOCATION IS NOT BBB ACCREDITED

    1278 Hendersonville Rd

    Asheville, NC 28803

  • THIS LOCATION IS NOT BBB ACCREDITED

    Post Office Box 19009

    Asheville, NC 28815

  • THIS LOCATION IS NOT BBB ACCREDITED

    Post Office Box 19009

    Asheville, NC 28815

  • THIS LOCATION IS NOT BBB ACCREDITED

    26 Trotters Walk Ne

    Cartersville, GA 30121

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 1282

    Foley, AL 36536

  • THIS LOCATION IS NOT BBB ACCREDITED

    9056 Merritt Lane

    Daphne, AL 36526

  • THIS LOCATION IS NOT BBB ACCREDITED

    244 Goodwin Crest Dr

    Birmingham, AL 35209

  • THIS LOCATION IS NOT BBB ACCREDITED

    2301 Moody Pkwy

    Moody, AL 35004

  • THIS LOCATION IS NOT BBB ACCREDITED

    7512 E Independence Blvd # 103

    Charlotte, NC 28227

  • THIS LOCATION IS NOT BBB ACCREDITED

    5960 Fairview Rd Ste 400

    Charlotte, NC 28210

  • THIS LOCATION IS NOT BBB ACCREDITED

    230 Second St., Suite 207

    Henderson, KY 42420

  • THIS LOCATION IS NOT BBB ACCREDITED

    715 2nd Street, Suite 6

    Henderson, KY 42420

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    1003 Emily Street

    Jasper, IN 47546

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    19630 N State Road 545

    St Meinrad, IN 47577

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    550 Hoffman Rd.

    Jasper, IN 47546

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    2425 Highway 41 N.

    Evansville, IN 47711

  • THIS LOCATION IS NOT BBB ACCREDITED

    8601 N Kentucky Ave.

    Evansville, IN 47725

  • THIS LOCATION IS NOT BBB ACCREDITED

    8601 N Kentucky Ave. Suite F

    Evansville, IN 47725

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    10316 E Division Rd

    Velpen, IN 47590

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    131 N Cale St

    Poseyville, IN 47633

  • THIS LOCATION IS NOT BBB ACCREDITED

    4002 Patton-Edwards Drive

    East Ridge, TN 37412

  • THIS LOCATION IS NOT BBB ACCREDITED

    1200 Mountain Creek Road, Suite 102

    Chattanooga, TN 37405

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    1200 Mountain Creek Road, Suite 160FORMER: primary, reportab

    Chattanooga, TN 37405

  • THIS LOCATION IS NOT BBB ACCREDITED

    803 W. Salisbury St.

    Asheboro, NC 27203

  • THIS LOCATION IS NOT BBB ACCREDITED

    501 Powell Way

    Archdale, NC 27263

  • THIS LOCATION IS NOT BBB ACCREDITED

    1501 Highwoods Blvd Ste 104

    Greensboro, NC 27410

  • 200 Randolph Ave Ste 201

    Huntsville, AL 35801

  • 2332 Pansy St SW

    Huntsville, AL 35801

  • PO Box 12573

    Huntsville, AL 35815

  • THIS LOCATION IS NOT BBB ACCREDITED

    421 N Court StSuite B

    Florence, AL 35630

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.o. Box 815

    Florence, AL 35631

  • THIS LOCATION IS NOT BBB ACCREDITED

    1700 W. Government Street, Bldg. ASuite N

    Brandon, MS 39042

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 872

    Tupelo, MS 38802

  • THIS LOCATION IS NOT BBB ACCREDITED

    208 Sunset Drive, Suite 104

    Johnson City, TN 37604

  • THIS LOCATION IS NOT BBB ACCREDITED

    6906 Kingston Pike, Suite 103

    Knoxville, TN 37919

  • THIS LOCATION IS NOT BBB ACCREDITED

    900 E. Hill Avenue, Suite 165

    Knoxville, TN 37902

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    611 S Maple St

    Covington, TN 38019

  • THIS LOCATION IS NOT BBB ACCREDITED

    108 Dover Rd Ste A

    West Memphis, AR 72301

  • THIS LOCATION IS NOT BBB ACCREDITED

    4273 Cherry Center Dr Suite #10

    Memphis, TN 38118

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 1282

    Foley, AL 36536

  • THIS LOCATION IS NOT BBB ACCREDITED

    9056 Merritt Lane

    Daphne, AL 36526

  • THIS LOCATION IS NOT BBB ACCREDITED

    4011 Franklin Road

    Nashville, TN 37204

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 Wilson Pike CircleSuite 122

    Brentwood, TN 37027

  • THIS LOCATION IS NOT BBB ACCREDITED

    210 Old Hickory Blvd#19

    Nashville, TN 37221

  • THIS LOCATION IS NOT BBB ACCREDITED

    1203 Habersham Way

    Franklin, TN 37067

  • THIS LOCATION IS NOT BBB ACCREDITED

    1604 Westgate CircleSuite 400

    Brentwood, TN 37027

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    214 Overlook Circle

    Brentwood, TN 37027

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    2500 Almeda AvenueSuite 111

    Norfolk, VA 23513

  • THIS LOCATION IS NOT BBB ACCREDITED

    293 Independence Blvd Ste 218

    Virginia Beach, VA 23462

  • THIS LOCATION IS NOT BBB ACCREDITED

    441 Ingram Rd

    Virginia Beach, VA 23452

  • THIS LOCATION IS NOT BBB ACCREDITED

    4608 Westgrove Ct

    Virginia Beach, VA 23455

  • P O Box 14388

    Norfolk, VA 23518

  • THIS LOCATION IS NOT BBB ACCREDITED

    4608 Westgrove Ct

    Virginia Beach, VA 23455

  • THIS LOCATION IS NOT BBB ACCREDITED

    1091 Nc Highway 222 E

    Fremont, NC 27830

  • THIS LOCATION IS NOT BBB ACCREDITED

    11 Sagamore Pl

    Hillsborough, NC 27278

  • THIS LOCATION IS NOT BBB ACCREDITED

    112 Williams Rd

    Jacksonville, NC 28540

  • THIS LOCATION IS NOT BBB ACCREDITED

    222 E Market St

    Smithfield, NC 27577

  • THIS LOCATION IS NOT BBB ACCREDITED

    3403 Teal Dr SW

    Wilson, NC 27893

  • THIS LOCATION IS NOT BBB ACCREDITED

    3919 Wentworth Dr

    Durham, NC 27707

  • THIS LOCATION IS NOT BBB ACCREDITED

    901 Town Centre Blvd STE 143

    Clayton, NC 27520

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    126 E Water St

    Plymouth, NC 27962

  • THIS LOCATION IS NOT BBB ACCREDITED

    4024 plank rd

    fredericksburg, VA 22401

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 3070

    Richmond, VA 23228

  • THIS LOCATION IS NOT BBB ACCREDITED

    7113 Cherokee Rd

    Richmond, VA 23225

  • THIS LOCATION IS NOT BBB ACCREDITED

    1209 Cedarcrest Drive

    Bedford, VA 24523

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    P. O. Box 501

    Bedford, VA 24523

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    3807 Brandon Ave., Ste. 115

    Roanoke, VA 24015

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    1390 Southside Dr.

    Salem, VA 24153

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    1209 Cedar Crest Dr

    Bedford, VA 24523

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    6365 Taft Street,Suite 3005A

    Hollywood, FL 33024

  • THIS LOCATION IS NOT BBB ACCREDITED

    6100 Arden Drive

    Clemmons, NC 27012

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    P.O. Box 988

    Clemmons, NC 27012

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    PO Box 359

    Trilby, FL 33593

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    1882 Porter Lake Dr

    Sarasota, FL 34240

  • THIS LOCATION IS NOT BBB ACCREDITED

    1111 Burlington Ave # 105

    Lisle, IL 60532

  • THIS LOCATION IS NOT BBB ACCREDITED

    1111 Burlington Ave.Ste 105

    Lisle, IL 60532

  • THIS LOCATION IS NOT BBB ACCREDITED

    20200 S. Governors Hwy.

    Olympia Fields, IL 60461

  • THIS LOCATION IS NOT BBB ACCREDITED

    1444 N.Farnsworth

    Aurora, IL 60505

  • THIS LOCATION IS NOT BBB ACCREDITED

    10600 W Higgins Rd Ste 513

    Rosemont, IL 60018

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    4415 Harrison St # 503

    Hillside, IL 60162

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    6060 W. 95th St.

    Oak Lawn, IL 60453

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    19900 Governors Dr # 100

    Olympia Fields, IL 60461

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    Po Box 322

    Olympia Fields, IL 60461

  • 156 Frank St

    Lexington, SC 29073

  • 2801 Devine St

    Columbia, SC 29205

  • PO Box 427

    Columbia, SC 29202

  • THIS LOCATION IS NOT BBB ACCREDITED

    985 Lincoln Rd # 324

    Bettendorf, IA 52722

  • THIS LOCATION IS NOT BBB ACCREDITED

    985 Lincoln Rd Ste 320

    Bettendorf, IA 52722

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    2 Mountain Vista Road

    Taylors, SC 29687

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    3100 Broadway St Ste 223

    Kansas City, MO 64111

  • THIS LOCATION IS NOT BBB ACCREDITED

    6209 S 24th Street

    Saint Joseph, MO 64504

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    600 University Office Blvd

    Pensacola, FL 32504

  • THIS LOCATION IS NOT BBB ACCREDITED

    6400 N Davis Hwy Ste 2

    Pensacola, FL 32504

  • THIS LOCATION IS NOT BBB ACCREDITED

    6400 N Davis Hwy Ste 2

    Pensacola, FL 32504

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    PO Box 1054

    Myrtle Beach, SC 29578

  • THIS LOCATION IS NOT BBB ACCREDITED

    2144 Fargo Dr Fayetteville, NC

    Fayetteville, NC 28306

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 40523

    Fayetteville, NC 28309

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 101

    Georgetown, SC 29442

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    2599 Argyle Way

    Little River, SC 29566

  • THIS LOCATION IS NOT BBB ACCREDITED

    467 Big Popular Ct NE

    Leland, NC 28451

  • THIS LOCATION IS NOT BBB ACCREDITED

    1425 Teague Rd Apt 308

    Myrtle Beach, SC 29577

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    671 Jamestown Dr

    Murrells Inlet, SC 29576

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    2433 N MAYFAIR RD

    Milwaukee, WI 53226

  • THIS LOCATION IS NOT BBB ACCREDITED

    15400 W Capital Dr

    Brookfield, WI 53005

  • THIS LOCATION IS NOT BBB ACCREDITED

    2433 N MAYFAIR RD

    Milwaukee, WI 53226

  • THIS LOCATION IS NOT BBB ACCREDITED

    2935 N Ballard Rd

    Appleton, WI 54911

  • THIS LOCATION IS NOT BBB ACCREDITED

    45 N Third St

    Platteville, WI 53818

  • THIS LOCATION IS NOT BBB ACCREDITED

    45 N Third St

    Platteville, WI 53818

  • THIS LOCATION IS NOT BBB ACCREDITED

    15400 W Capital Dr

    Brookfield, WI 53005

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    2500 West County Road #180

    Burnsville, MN 55337

  • THIS LOCATION IS NOT BBB ACCREDITED

    900 S Rum River DrSte 101

    Princeton, MN 55371

  • THIS LOCATION IS NOT BBB ACCREDITED

    4721 11th Ave S

    Minneapolis, MN 55407

  • THIS LOCATION IS NOT BBB ACCREDITED

    116 Main St S

    Hutchinson, MN 55350

  • THIS LOCATION IS NOT BBB ACCREDITED

    2774 Commerce Dr NW # A

    Rochester, MN 55901

  • THIS LOCATION IS NOT BBB ACCREDITED

    2778 Commerce Dr NW Ste C

    Rochester, MN 55901

  • THIS LOCATION IS NOT BBB ACCREDITED

    1619 Penn Ave N

    Minneapolis, MN 55411

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    2360 Vale Crest Rd

    Minneapolis, MN 55422

  • THIS LOCATION IS NOT BBB ACCREDITED

    7575 Golden Valley Rd Ste 270

    Minneapolis, MN 55427

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    9820 Drew Ave S Apt 309

    Minneapolis, MN 55431

  • THIS LOCATION IS NOT BBB ACCREDITED

    12997 County Road 3

    Kensington, MN 56343

  • THIS LOCATION IS NOT BBB ACCREDITED

    208 1st Ave S

    Jamestown, ND 58401

  • THIS LOCATION IS NOT BBB ACCREDITED

    1929 E Capitol Ave

    Bismarck, ND 58501

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    2411 Madison Square Dr S

    Fargo, ND 58104

  • THIS LOCATION IS NOT BBB ACCREDITED

    4651 289th Ave NW

    Isanti, MN 55040

  • THIS LOCATION IS NOT BBB ACCREDITED

    901 W Highway 10 Ste 102

    Anoka, MN 55303

  • THIS LOCATION IS NOT BBB ACCREDITED

    405 N Pine St

    Grand Island, NE 68801

  • THIS LOCATION IS NOT BBB ACCREDITED

    509 N Eddy St

    Grand Island, NE 68801

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 189

    Grand Island, NE 68802

  • THIS LOCATION IS NOT BBB ACCREDITED

    100 N 34th St

    Norfolk, NE 68701

  • THIS LOCATION IS NOT BBB ACCREDITED

    100 N 34th St # F

    Norfolk, NE 68701

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    1600 4th St NE

    Watertown, SD 57201

  • THIS LOCATION IS NOT BBB ACCREDITED

    510 Jenson Ave SE

    Watertown, SD 57201

  • THIS LOCATION IS NOT BBB ACCREDITED

    809 N 96th St Ste 100

    Omaha, NE 68114

  • THIS LOCATION IS NOT BBB ACCREDITED

    307 Walnut St Ste D

    Yankton, SD 57078

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    1112 E James St

    Derby, KS 67037

  • THIS LOCATION IS NOT BBB ACCREDITED

    1112 James St

    Derby, KS 67037

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    PO Box 825

    Derby, KS 67037

  • THIS LOCATION IS NOT BBB ACCREDITED

    111 W. 12th St

    Goodland, KS 67735

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 328

    Goodland, KS 67735

  • THIS LOCATION IS NOT BBB ACCREDITED

    245 S 84th St Ste 218

    Lincoln, NE 68510

  • 233 N Lincoln Ave

    Hastings, NE 68901

  • 9500 W Dodge Rd # 300

    Omaha, NE 68114

  • THIS LOCATION IS NOT BBB ACCREDITED

    5032 S Bur Oak Pl Ste 111

    Sioux Falls, SD 57108

  • THIS LOCATION IS NOT BBB ACCREDITED

    608 N West Ave(moved)

    Sioux Falls, SD 57104

  • THIS LOCATION IS NOT BBB ACCREDITED

    1001 S 70th St Ste 103

    Lincoln, NE 68510

  • THIS LOCATION IS NOT BBB ACCREDITED

    5600 S 59th St Ste 202

    Lincoln, NE 68516

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    770 N Cotner Blvd Ste 305

    Lincoln, NE 68505

  • THIS LOCATION IS NOT BBB ACCREDITED

    6901 W Sertoma Cir

    Sioux Falls, SD 57106

  • THIS LOCATION IS NOT BBB ACCREDITED

    278 N 115th St

    Omaha, NE 68154

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    2 N Spruce St

    Ogallala, NE 69153

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    PO Box 448

    Ogallala, NE 69153

  • THIS LOCATION IS NOT BBB ACCREDITED

    7423 Whitestone Dr

    Lincoln, NE 68506

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    426 W Broadway # 306

    Council Bluffs, IA 51503

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 Willow Ave Ste 502

    Council Bluffs, IA 51503

  • THIS LOCATION IS NOT BBB ACCREDITED

    3738 S 149th St Ste 115

    Omaha, NE 68144

  • THIS LOCATION IS NOT BBB ACCREDITED

    1221 E Pierce St Ste 100

    Council Bluffs, IA 51503

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    PO Box 63

    Chadron, NE 69337

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    4402 W. Capri

    Peoria, IL 61614

  • THIS LOCATION IS NOT BBB ACCREDITED

    4541 N. Prospect Rd.#102

    Peoria Heights, IL 61616

  • THIS LOCATION IS NOT BBB ACCREDITED

    3930 S Nova Road Ste 301

    Port Orange, FL 32127

  • THIS LOCATION IS NOT BBB ACCREDITED

    4770 Ridgewood Ave Ste 4

    Port Orange, FL 32127

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    6355 Metrowest Bv Ste 455

    Orlando, FL 32835

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    6649 Westwood Blvd Ste 210

    Orlando, FL 32821

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    1026 Northeast Dr Ste D

    Jefferson City, MO 65109

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    3236 Emerald Ln

    Jefferson City, MO 65109

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    119 W Locust St

    Union, MO 63084

  • THIS LOCATION IS NOT BBB ACCREDITED

    1600 Heritage Lndg # 115

    Saint Charles, MO 63303

  • THIS LOCATION IS NOT BBB ACCREDITED

    1600 Heritage Lndg Ste 115

    Saint Peters, MO 63303

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    2412 Hyde Park Rd Ste B

    Jefferson City, MO 65109

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    13100 Manchester Rd

    Saint Louis, MO 63131

  • THIS LOCATION IS NOT BBB ACCREDITED

    210 Prodo Dr

    Jefferson City, MO 65109

  • THIS LOCATION IS NOT BBB ACCREDITED

    4505 N Illinois

    Belleville, IL 62226

  • THIS LOCATION IS NOT BBB ACCREDITED

    1026 Northeast Dr

    Jefferson City, MO 65109

  • THIS LOCATION IS NOT BBB ACCREDITED

    210 Prodo Dr

    Jefferson City, MO 65109

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    398 Dix Rd Ste 201previous address

    Jefferson City, MO 65109

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    289 Bethel Rd

    O Fallon, IL 62269

  • THIS LOCATION IS NOT BBB ACCREDITED

    1903 Princeton Ave

    Marion, IL 62959

  • THIS LOCATION IS NOT BBB ACCREDITED

    705 Houser Street

    Park Hills, MO 63601

  • THIS LOCATION IS NOT BBB ACCREDITED

    4531 Maine St # H

    Quincy, IL 62305

  • 125 Plantation Centre Dr S Ste 900 B

    Macon, GA 31210

  • THIS LOCATION IS NOT BBB ACCREDITED

    108 Olympia Dr Ste 205

    Warner Robins, GA 31093

  • 145 Roycrest Dr

    Macon, GA 31204

  • THIS LOCATION IS NOT BBB ACCREDITED

    3150 Perimeter Pkwy Ste 115

    Augusta, GA 30909

  • THIS LOCATION IS NOT BBB ACCREDITED

    3150 Perimeter Pkwy Suite 115

    Augusta, GA 30909

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    901 Washington Ave.

    Macon, GA 31201

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    2273 Sheraton DrSuite 175

    Macon, GA 31204

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    P.o. Box 5325

    Macon, GA 31208

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    12 E Church St

    Aurora, MO 65605

  • THIS LOCATION IS NOT BBB ACCREDITED

    153 E State Highway CC Suite J

    Nixa, MO 65714

  • THIS LOCATION IS NOT BBB ACCREDITED

    1701 W Sunshine St Ste A

    Springfield, MO 65807

  • THIS LOCATION IS NOT BBB ACCREDITED

    1715 S Kansas AveFORMER: primary, reportab

    Springfield, MO 65807

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    3333 S National Ave Ste 304

    Springfield, MO 65807

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    111 W. 12th St

    Goodland, KS 67735

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 328

    Goodland, KS 67735

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    5705 Linger Way

    Colorado Springs, CO 80919

  • THIS LOCATION IS NOT BBB ACCREDITED

    655 Southpointe Ct #200

    Colorado Springs, CO 80906

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    5705 Linger Way

    Colorado Springs, CO 80919

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    5555 Erindale Dr #103

    Colorado Springs, CO 80918

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    7150 Campus Dr #114

    Colorado Springs, CO 80920

  • THIS LOCATION IS NOT BBB ACCREDITED

    7150 Campus Dr #114

    Colorado Springs, CO 80920

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    7150 Campus Dr #114

    Colorado Springs, CO 80920

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    1234 North 4th St

    Abilene, TX 79601

  • THIS LOCATION IS NOT BBB ACCREDITED

    1307 S 1st

    Abilene, TX 79602

  • THIS LOCATION IS NOT BBB ACCREDITED

    4201 Don Juan

    Abilene, TX 79605

  • THIS LOCATION IS NOT BBB ACCREDITED

    One Village Dr., Ste. 101

    Abilene, TX 79606

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 2533

    Abilene, TX 79604

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 2794

    Abilene, TX 79604

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 3877

    Abilene, TX 79604

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 551

    Silverthorne, CO 80498

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 551

    Silverthorne, CO 80498

  • THIS LOCATION IS NOT BBB ACCREDITED

    175 W 20th StFORMER: primary, reportab

    Craig, CO 81625

  • THIS LOCATION IS NOT BBB ACCREDITED

    435 Mack Ln # 205

    Craig, CO 81625

  • THIS LOCATION IS NOT BBB ACCREDITED

    435 Mack Ln # 205

    Craig, CO 81625

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    PO Box 1178

    Craig, CO 81626

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 1178

    Craig, CO 81626

  • THIS LOCATION IS NOT BBB ACCREDITED

    Po Box 82

    Silverthorne, CO 80498

  • THIS LOCATION IS NOT BBB ACCREDITED

    Po Box 82

    Silverthorne, CO 80498

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    2105 Clubhouse Dr # E

    Greeley, CO 80634

  • THIS LOCATION IS NOT BBB ACCREDITED

    2105 Clubhouse Dr # E

    Greeley, CO 80634

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    500 S Main St Ste 965

    Las Cruces, NM 88001

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 S Main St Ste 965

    Las Cruces, NM 88001

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    207 Alcove Dr

    Grand Junction, CO 81503

  • THIS LOCATION IS NOT BBB ACCREDITED

    207 Alcove Dr

    Grand Junction, CO 81503

  • THIS LOCATION IS NOT BBB ACCREDITED

    4200 Ridgecrest Cir A-4

    Amarillo, TX 79109

  • THIS LOCATION IS NOT BBB ACCREDITED

    2201 Civic Cir Ste 905

    Amarillo, TX 79109

  • THIS LOCATION IS NOT BBB ACCREDITED

    904 South Monroe

    Amarillo, TX 79101

  • THIS LOCATION IS NOT BBB ACCREDITED

    4000 S GeorgiaSuite B2

    Amarillo, TX 79109

  • THIS LOCATION IS NOT BBB ACCREDITED

    2600 Paramount Blvd Ste H3

    Amarillo, TX 79109

  • ----

    Austin, TX 78757

  • THIS LOCATION IS NOT BBB ACCREDITED

    4639 Corona Dr Ste 55

    Corpus Christi, TX 78411

  • THIS LOCATION IS NOT BBB ACCREDITED

    4646 Corona Dr

    Corpus Christi, TX 78411

  • THIS LOCATION IS NOT BBB ACCREDITED

    110 W Louisiana Ave, Ste 320

    Midland, TX 79701

  • THIS LOCATION IS NOT BBB ACCREDITED

    110 W Louisiana Ave, Ste 320

    Midland, TX 79701

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    200 W Hwy 6

    Woodway, TX 76712

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 W Hwy 6

    Woodway, TX 76712

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    Rt 2 Box 256a

    Waco, TX 76706

  • THIS LOCATION IS NOT BBB ACCREDITED

    Rt 2 Box 256a

    Waco, TX 76706

  • THIS LOCATION IS NOT BBB ACCREDITED

    6600 Sanger # 1A

    Waco, TX 76710

  • THIS LOCATION IS NOT BBB ACCREDITED

    6600 Sanger # 1A

    Waco, TX 76710

  • THIS LOCATION IS NOT BBB ACCREDITED

    6603 Sanger Ave.

    Waco, TX 76710

  • THIS LOCATION IS NOT BBB ACCREDITED

    6603 Sanger Ave.

    Waco, TX 76710

  • THIS LOCATION IS NOT BBB ACCREDITED

    11533 Lafitte Ln

    Austin, TX 78739

  • THIS LOCATION IS NOT BBB ACCREDITED

    11533 Lafitte Ln

    Austin, TX 78739

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    4704 Circle Oak Cove

    Austin, TX 78749

  • 4704 Circle Oak Cove

    Austin, TX 78749

  • THIS LOCATION IS NOT BBB ACCREDITED

    595 Orleans St Ste 860

    Beaumont, TX 77701

  • THIS LOCATION IS NOT BBB ACCREDITED

    595 Orleans St Ste 860

    Beaumont, TX 77701

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    6225 Chisholm Trl

    Beaumont, TX 77708

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    122 Country Lane Dr

    Lumberton, TX 77657

  • THIS LOCATION IS NOT BBB ACCREDITED

    122 Country Lane Dr

    Lumberton, TX 77657

  • THIS LOCATION IS NOT BBB ACCREDITED

    1819 N 32nd St

    Nederland, TX 77627

  • THIS LOCATION IS NOT BBB ACCREDITED

    1819 N 32nd St

    Nederland, TX 77627

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    85 Ih 10 N Ste 108

    Beaumont, TX 77707

  • THIS LOCATION IS NOT BBB ACCREDITED

    85 Ih 10 N Ste 108

    Beaumont, TX 77707

  • THIS LOCATION IS NOT BBB ACCREDITED

    595 Orleans St Ste 1005

    Beaumont, TX 77701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1223 Nederland Ave

    Nederland, TX 77627

  • THIS LOCATION IS NOT BBB ACCREDITED

    1223 Nederland Ave

    Nederland, TX 77627

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    296 E. Circuit

    Beaumont, TX 77706

  • THIS LOCATION IS NOT BBB ACCREDITED

    296 E. Circuit

    Beaumont, TX 77706

  • THIS LOCATION IS NOT BBB ACCREDITED

    122 Country Ln.

    Lumberton, TX 77657

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 8105

    Lumberton, TX 77657

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 8105

    Lumberton, TX 77657

  • THIS LOCATION IS NOT BBB ACCREDITED

    115 E Shepherd Ave

    Lufkin, TX 75901

  • THIS LOCATION IS NOT BBB ACCREDITED

    1321 S John Redditt Dr (undeliverable)

    Lufkin, TX 75904

  • THIS LOCATION IS NOT BBB ACCREDITED

    1416 Gables Court

    Plano, TX 75075

  • THIS LOCATION IS NOT BBB ACCREDITED

    12081 W Alameda Pkwy # 415

    Lakewood, CO 80228

  • THIS LOCATION IS NOT BBB ACCREDITED

    1745 Cuprite Ct

    Castle Rock, CO 80108

  • THIS LOCATION IS NOT BBB ACCREDITED

    5275 W 64th Ave

    Arvada, CO 80003

  • THIS LOCATION IS NOT BBB ACCREDITED

    701 S Logan St Ste 203

    Denver, CO 80209

  • THIS LOCATION IS NOT BBB ACCREDITED

    7200 S Alton Way Ste A200

    Centennial, CO 80112

  • THIS LOCATION IS NOT BBB ACCREDITED

    7200 S. Alton Way

    Centennial, CO 80112

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    8121 S York Ct

    Centennial, CO 80122

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    PO Box 19321

    Boulder, CO 80308

  • THIS LOCATION IS NOT BBB ACCREDITED

    5959 Gateway W. Ste. 303

    El Paso, TX 79925

  • 5959 Gateway Blvd. W Ste. 655

    El Paso, TX 79925

  • 5959 Gateway Blvd W Ste. 620

    El Paso, TX 79925

  • 5959 Gateway West, Suite 335

    El Paso, TX 79925

  • THIS LOCATION IS NOT BBB ACCREDITED

    6707 Brentwood Stair Rd Ste 228

    Fort Worth, TX 76112

  • THIS LOCATION IS NOT BBB ACCREDITED

    5388 W. 34TH STE. 162

    Houston , TX 77092

  • THIS LOCATION IS NOT BBB ACCREDITED

    12218 Meadow Lane Court

    Stafford , TX 77477

  • THIS LOCATION IS NOT BBB ACCREDITED

    710 W. Prien lake Road

    Lake Charles, LA 70601

  • THIS LOCATION IS NOT BBB ACCREDITED

    1912 Southwood

    Lake Charles, LA 70605

  • THIS LOCATION IS NOT BBB ACCREDITED

    Lake Charles, LA 70601

  • THIS LOCATION IS NOT BBB ACCREDITED

    2704 W Beech St

    Rogers, AR 72756

  • THIS LOCATION IS NOT BBB ACCREDITED

    8212 Ithaca Ave Ste E6B

    Lubbock, TX 79423

  • THIS LOCATION IS NOT BBB ACCREDITED

    2503 74th St. Ste. 105

    Lubbock, TX 79423

  • THIS LOCATION IS NOT BBB ACCREDITED

    2526 82nd St Ste H

    Lubbock, TX 79423

  • THIS LOCATION IS NOT BBB ACCREDITED

    2526 82nd St Ste C

    Lubbock, TX 79423

  • THIS LOCATION IS NOT BBB ACCREDITED

    7606 University Ave Ste F

    Lubbock, TX 79423

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    10 Briercroft Office Park

    Lubbock, TX 79412

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    423 Palo Verde Dr.

    Yukon, OK 73099

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    215 E. Osage

    Garber, OK 73738

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 162

    Garber, OK 73738

  • THIS LOCATION IS NOT BBB ACCREDITED

    1600 Arkansas Blvd # 204

    Texarkana, AR 71854

  • THIS LOCATION IS NOT BBB ACCREDITED

    9814 East 99th Place

    Tulsa, OK 74103

  • THIS LOCATION IS NOT BBB ACCREDITED

    1455 N. Cole Rd.

    Boise, ID 83704

  • THIS LOCATION IS NOT BBB ACCREDITED

    1246 Yellowstone Ave

    Pocatello, ID 83201

  • THIS LOCATION IS NOT BBB ACCREDITED

    545 9th Street

    Idaho Falls, ID 83404

  • THIS LOCATION IS NOT BBB ACCREDITED

    404 E 300 S

    Burley, ID 83318

  • THIS LOCATION IS NOT BBB ACCREDITED

    403 Duncan St

    Wichita Falls, TX 76301

  • THIS LOCATION IS NOT BBB ACCREDITED

    6003 Laci Ln

    Wichita Falls, TX 76310

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    PO Box 9452

    Wichita Falls, TX 76308

  • THIS LOCATION IS NOT BBB ACCREDITED

    710 Lamar St Ste 440

    Wichita Falls, TX 76301

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    1255 E. Nees

    Fresno, CA 93720

  • THIS LOCATION IS NOT BBB ACCREDITED

    5405 Stockdale Hwy # 209

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    808 W. Main St., Suite D

    Visalia, CA 93291

  • THIS LOCATION IS NOT BBB ACCREDITED

    Unpublished

    Visalia, CA 93291

  • THIS LOCATION IS NOT BBB ACCREDITED

    2670 W Shaw Ln Ste 102

    Fresno, CA 93711

  • THIS LOCATION IS NOT BBB ACCREDITED

    295 W Cromwell Ave Ste 107

    Fresno, CA 93711

  • THIS LOCATION IS NOT BBB ACCREDITED

    2140 N Terrace Ct

    Visalia, CA 93291

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    107 S. Church St.

    Visalia, CA 93291

  • THIS LOCATION IS NOT BBB ACCREDITED

    4130 Ardmore Ave

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    5500 Ming Avenue Suite #250

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    4400 Woodcrest Ct

    Bakersfield, CA 93301

  • THIS LOCATION IS NOT BBB ACCREDITED

    4400 Woodcrest Ct

    Bakersfield, CA 93301

  • THIS LOCATION IS NOT BBB ACCREDITED

    7305 Olympia Dr

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    4974 E. Clinton Way

    Fresno, CA 93727

  • THIS LOCATION IS NOT BBB ACCREDITED

    247 E Portland Ave

    Fresno, CA 93720

  • THIS LOCATION IS NOT BBB ACCREDITED

    1712 19th St Ste 109

    Bakersfield, CA 93301

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    11004 Accolade Ct

    Bakersfield, CA 93312

  • THIS LOCATION IS NOT BBB ACCREDITED

    807 Foxcove St.

    Tyler, TX 75703

  • THIS LOCATION IS NOT BBB ACCREDITED

    617 Chase Dr

    Tyler, TX 75701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1021 Ese 323 Loop Ste 350

    Tyler, TX 75701

  • THIS LOCATION IS NOT BBB ACCREDITED

    803 Cedar Creek Dr

    Tyler, TX 75703

  • THIS LOCATION IS NOT BBB ACCREDITED

    911 W Loop 281 Ste 210

    Longview, TX 75604

  • THIS LOCATION IS NOT BBB ACCREDITED

    712 S Chilton Ave

    Tyler, TX 75701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1620 N Kings Hwy

    Nash, TX 75569

  • THIS LOCATION IS NOT BBB ACCREDITED

    1021 E Northeast Loop 323

    Tyler, TX 75708

  • THIS LOCATION IS NOT BBB ACCREDITED

    3304 S Broadway Ave

    Tyler, TX 75701

  • THIS LOCATION IS NOT BBB ACCREDITED

    1100 Alakea St # 1

    Honolulu, HI 96813

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    74 Lono Ave # 206c

    Kahului, HI 96732

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    1771 E Flamingo Rd Ste 212A

    Las Vegas, NV 89119

  • THIS LOCATION IS NOT BBB ACCREDITED

    1850 E Flamingo Rd Ste 139

    Las Vegas, NV 89119

  • THIS LOCATION IS NOT BBB ACCREDITED

    1919 S. Jones Blvd. Ste. D

    Las Vegas, NV 89146

  • THIS LOCATION IS NOT BBB ACCREDITED

    6440 Sky Pointe Dr Ste 140 Pmb 221

    Las Vegas, NV 89131

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Complaint Detail(s)

12/22/2014 Delivery Issues
12/18/2014 Problems with Product/Service
12/16/2014 Problems with Product/Service
12/15/2014 Problems with Product/Service
12/15/2014 Problems with Product/Service
12/5/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: ello,My name is **** ******** I am a long time client of AFLAC. I wish to write with deepest regret about a complaint I have with a member of your company and a the lack of communication I have received. Please know it is not my intention to get anyone in trouble or have someone lose their job but with this injustice I have no other choice to post my complaint with the company. In addition I will be notify the BBB about the issue I listed below. In 2012 of JulyI met with a representative named ****** *** and one of his associates. His sales skills convinced me and after reading the terms of the products to change my Aflac current products which will have saved me money. I was very happy to do this but was reluctant on one product which was the canceling of my Caner policy. I was informed by ****** *** that Cancer was a high factor in my family and I did not want to wish to give it up. He explained to me about the optional rider policy which he assured will be added on in my account. Emails were sent in Sept and Oct of 2012 that he will handle this issue and my optional rider policy will be added and I will not have to pay anything over the current monthly fee I am paying. However I have never heard from him again or even a check up on how I was doing. Perhaps I may be over reacting but in good faith a letter to all clients should be sent out yearly on how they are even if it is a standard form. In addition I was sold a universal whole life policy not informed on the dramatic fees that I will receive on this policy.A year later when reviewing my policy to seeing if I was covered over a medical issues I was having and wanted to inquire with this optional rider I was not covered. Mr. ****** *** never sent me info I was requested in the past only when I wrote to him early October of this year and apologized for the late reply. To years later is a pretty late reply I must say. I asked him about the optional rider he discussed he told me he did not recall the convo and said I should have reviewed my policy. I have grown frustrated with email and repeating email and when asked to speak to a manager ****** said he was the manger and would not tell me who was above him. Even though I have not contact him ****** since these issues risen he has made no contact to fix to issue or do a check up the issue. It makes me believe I am just another number to this person and his care of my issue was only a concern when I emailed him. In all business ethics I should of least received a follow up from him to see if this issue was handled. But since I did not I have to report an unethical business practice this person is doing to my account. I hope this matter can be solved. Soon as possible and not harsh penalty will result in the employee being terminated. But I wish for a fair and just settlement to my complaint. I await for your response to discuss a settlement to this issue.However what I am would hope to require is a full refund of all polices except the DENTAL because it appears they were all sold to me under unethical conditions. If you like to speak to me about this issue please contact me at *** *** **** or email me back. I be happy to share more light on the situation incase my email

Desired Settlement: Refund and apology letter or have the product I was lead to believe to purchase.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we have forwarded this complaint to the approporiate department for review and response.

Thanks,

** ******

12/2/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I purchased AFLAC disability coverage over 16 years ago because I am an Independent Operator/Contractor (Hairstylist) and self employed. On August 27, 2014 I had very serious surgery that prompted my physician to take me off work for 6 weeks. It should be noted that my physician extended the disability period from 6 to 8 weeks. In August 2014, I filed a disability claim with AFLAC and have received inconsistent information from their Claims Department representatives. The explanations range from my disability does not meet the criteria to they need additional information, including name change and verification of employment. During the period the claim has been pending both my physician and I have been compliant by providing information and clarification. I believe AFLAC has totally and intentionally disregarded my claim. This situation has aggravated me to the point where it is has impacted my recovery from surgery because I have suffered from financial stress; I have not been able to meet my financial responsibilities due to AFLAC's improper business practices.

Desired Settlement: AFLAC will re-review all documentation I provided in which my physician determined that I would be disabled for a period of eight weeks due to the surgical procedure. That I would be compensated for the disability period my doctor removed me from work and I would appreciate a sincere apology for the disrespect and stress AFLAC has caused. Additionally, I am asking that my claim be made a top priority since so much time has passed since I originally filed the claim.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

11/25/2014 Advertising/Sales Issues | Complaint Details Unavailable
11/24/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My mother maintained an Aflac Cancer policy for 20 years. I have her original policy and description of benefits. She was diagnosed with ******** ******** and was provided hospice service for 63 days before her death. Her Aflac policy provides for $100 per day of hospice services and describes all of the services associated with hospice. The only restriction for claims payment noted is that additional home nurse visits will not be paid on a day hospice service is paid. Aflac was provided all of the required documentation for my mother's hospice claim including 5-6 contacts and documentations directly from the hospice organization. Multiple contacts ensued with Aflac demanding a breakdown of services with costs and maintained that they only pay for nurse visit days, despite hospice's practice of billing Medicare/Medicaid a per diem charge for all services inclusively and despite Aflac's own description of claim eligibility asking for an itemization of services "if available." To date, Aflac has refused to pay any hospice service claims except for the days the hospice nurse and only the hospice nurse actually provided service to my mother. A vast array of Hospice services are available and provided 24/7 and include significantly more than nurse visits. Phone call messages to Aflac have not been returned and when I can wait the significant wait times to reach someone, I get a different claims administrator with a different story each time and no follow through.

Desired Settlement: I want the the balance of my mother's hospice service claim paid in full. She was in hospice and received services for 63 days. She should have been reimbursed for 60 days @ $100 and 3 days @ $50 for a total of $6150. Aflac has only paid for 19 days @ $100.. for a total of $1900. Aflac needs to send payment for the balance of $$4250.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department research and address directly with policyholder's estate.

Thank you,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

There has been no offer to resolve this issue.  Aflac has made direct contact with me and forwarded my complaint details to their auditing department.  A follow-up call today resulted in the same unsatisfactory result with demands for additional unwarranted documentation of specific services my mother received while under hospice care.  Once a patient is admitted into  hospice, a wide variety of services are provided 24/7 to the patient and family.  These services far exceed the skilled nursing visits that Aflac has limited their approved claim payments for.  The Aflac policy and insurance documents booklet defines the many services provided and included in hospice care.  The only stated documentation requirement is a statement from the physician certifying terminal illness and hospice admission, and a statement of days the patient received services.  We have provided that over and over, only to have them continue to demand an itemization of specific services.  UNACCEPTABLE!


Regards,

***** ******

11/12/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have a recurring charge on bank my account from Aflac for 64.80. When I called they could not find provide me with the policy for the charge. We did find the three polices and charges for them but not the forth.They were also not able to connect me with a customer care person that could resolve my problem.

Desired Settlement: Under standing of the charge and policy that might be infect or a full refund of all recurring charges.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

11/10/2014 Problems with Product/Service
11/7/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I initially chose to pick four policies with Aflac. After experiencing some customer service concerns, I chose to cancel those policies. They have been very unprofessional,rude,inconsiderate. I have not received a refund that based on their policy should have taken 7 to 14 business days. In a few days it'll be November 1st and I still have not received my total refund. I really need to have some resolution and find out if I have any recourse against this company. Thank you. Sincerely Yours****** ********

Desired Settlement: I want an apology and or to be compensated for my inconvenience.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

11/7/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 1.) One year ago, I provided Aflac with all required documents to process a Continuation of Coverage. Aflac has failed to process said Continuation of Coverage, thereby effectively denying coverage. 2.) Aflac mistakenly removed $209.05 from my bank account in January 2014. Despite guarantees from supervisor "*****" in Feb 2014 that the check was on the way...eight months later, I still haven't received said reimbursement. I have kept copious notes and have documentation showing that I provided all required documentation to Aflac on time for both the continuation of coverage and the reimbursement. I have attempted to handle this matter to many times to count by speaking with representatives on the phone and eventually resorted to obtaining the help of local Aflac agent **** ******* in the **********, MI office. **** was initially very helpful and made copies of all my documentation but after weeks and months of reportedly receiving the run around from the main office, she eventually stopped returning my calls as well. I have attempted to enlist the assistance of agents in *** ***** and ****, MI as well but despite leaving multiple messages, I never received a return call.

Desired Settlement: Processing of the continuation of coverage with effective date of 11/1/14. Reimbursement from Alfac of $209.05.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to Ms. *****.

Thanks,

** ******

11/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was recommended and sold an Aflac Accident policy even though I am disabled and homebound. I for the most part would not have found value in such an arrangement.

Desired Settlement: Please refund the 4 months of policy paid. ********

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department research and address directly with the policyholder.

Thanks,

** ******

11/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I submitted the 3 required forms to file on accident and disability policy #******** ********* I filed over a month ago and I'm behind on bills . My employer completed the employers statement correctly and now they are trying to contact my employer and asking for all kinds of information that doesn't relate to my claim. My employer is upset because they already completed the form and now they want them to pull my file again which is putting a hardship on my employer and jeopardizing my job. I submitted everything correctly and should have had my check within 3 days. Now I have shut off notices. Pls help

Desired Settlement: Pls stop harassing my employer and issue my disability check immediately. I have 3 young children and need it

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly to the policyholder.

Thanks,

** ******

11/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac is not honoring my group policy for accident insurance. My son had a **** ***** ************* where he had **** *********. Although some repair was done to trim (resect) and remove the loose bodies, they don't consider this surgery because they claim it was not repaired, so they won't pay the ($400.00). Then Ok! Why not pay the benefit for the *********** ($250.00)?I want all of my premiums refunded since they are not honoring the policy which is about $704.00. Also, the person that was helping me, ****** *****, refused to return my calls or answer my emails. She was reluctant to send the examiner an email stating my issue. Plus she had a supervisor look at it and she refused it as well.

Desired Settlement: I want all of my premiums refunded since they are not honoring the policy which is about $704.00 for 22 months.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

Still waiting.  What a brush off!  I have contacted my HR Department.  Hopefully they won't be allowed to sell this fraudulent product during our Benefits Enrollment Meetings .
[Provide details of why you are not satisfied with this resolution.]

Regards,

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

Business Response:

Good morning,

These concerns have been forwarded to the appropriate department for further review.

Thanks,

** ******

11/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up fora disability plan a year ago for 12 months however I was unable to physically meet with the agent because I had just given birth to my son therefore we communicated via text messaging she advised me to sign a blank piece of paper so she could copy it to my application. I got hurt August 2014 and I put in a claim I was told at that time I only had a 6 month policy I told the representative no way I signed for 12 months however he advised me his system said 6 months and he transferred my case to another department and after a month they called me in Friday to let me know in fact it was only 6 months however I told the representative that I had proof I told the agent 12 months as I still had the conversation log on my cell phone text messages (thank God for technology) now I'm aggravated because clearly the agent messed up and I'm being dragged through more than 30 days processing which Aflac strive on 5 days or less processing time. Due to my injury my doctor has put me out until April of 2015 as my **** *s damaged and I walk all day as my job demands. Can someone please figure this out ASAP why should the customer pay for the employees mistakes. I forwarded the entire conversation between the agent and myself to ******************** as I was instructed to do.

Desired Settlement: I need my disability payment so I can provide for my children and for my policy to be fixed to the 12 months as I advised the agent I desires at time of signing. It has been more than 30 days.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to include in their review.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,
******* ******

 
I wish for my case not to be closed until Aflac reaches out to me and resolve my issue which as of today's date they have not contacted me 
Thank you 

11/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased multiple policies through a gentleman that represented Aflac and through my work. he miss represented how I would be covered. I was told that I would be covered even if hurt at work.... now after paying for 4 separate policies for 2 years I finally needed to file a claim. I was told that even though im temporarily disabled my temporary disability insurance wont cover it because it occurred at work... after multiple visits to the doctor and physical therapy I have not even received 200$ in over 2 months. I still haven't received the last check that there website says they sent over a week ago. I have called my new rep. at least ten times and she has not answered once. instead of returning my calls she texts me... im not sure she has an office in town because when I need to sign something or give her paper work im told (again by text) to meet her in a random restaurant parking lot somewhere around town. on one particular meeting I was told to drive 20 minutes across town to meet her in the parking lot of a Mexican food restaurant. 15 minutes after we were supposed to meet she called and apologized and told me to meet her in a movie theater parking lot 30 minutes away. it took my rep a considerable amount of time to file my claim... she told apologized to me once and said " sorry I dropped the ball, I completely forgot about you." then she messed up the claim and I am still waiting for payment on my physical therapy visit, that I should have received some time ago.after my claim I got a survey in my email asking about my experience. I told them all this in that survey and asked to be contacted... still nothing from them.

Desired Settlement: I would like to deal with someone that has some customer service and that will take care of my claims in a timely and professional manner. I would like the services that I have been paying for...

Business Response:

Good morning,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear 

 
I recieved my response in the mail today. There was no mention of why the aflac representative I purchased my policy from misrepresented it to me. He sold me multiple policies that day including short term disability, accident, and a cancer policy. He specifically told me that I was covered for anything that could happen. He showed me a piece of paper that of how much money I could expect in every situation. I distinctly remember him telling me that if I was hurt at work I would be very well off because workmans comp would pay my bills and I would recieve benefits from aflac... including dissability if I couldn't work.
 
Your records also confirm that my representative apparently lost the documents she was given in regard to my physical theropy. You then go onto tell me that if I have additional information to submit I may do so without going through my associate by uploading my electronic documents... which I dont have. By faxing it but I dont have access to a fax machine. Or by mailing the documents to you. I have had these policies for almost two years without a single claim until now and payed what I would consider to be enough money to have a representative do the paper work for me. I have talked to my rep twice about the missed payment for physical theropy and have recieved no real answers and again you guys supply no answers. Im wondering how it is that my aflac rep loses my paperwork and apparently doesnt have an office that I can go to to meet with her. 
 
I dont believe its my responsibility to get the paper work again that was already given to my rep regarding the physical theropy. And im no longer going to meet with her in resteraunt parking lots around town. 
 
I would like a response as to why my policies were missrepresented by my previous representative in order to get me to purchase them. Also i am expecting my last check in the mail for the physical theropy I had, since I already gave those papers to, and jumped through hoops to meet with my rep. 
 
Im a very dissapointed customer that up until this situation bragged about how I was taken care of no matter what happened to me. I convinced several friends to get aflac as well. I assumed that such a large company would have more resources than just one lady working out of the trunk of her car. I also never thought such a large company would be dishonest about the product they sale.
 
 
 

Regards,

***** ***

11/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: There were 5 Aflac benefit policies that I had purchased which were noted effective June 2008. The insurance deductions $33.41 were pulled out of my job payroll from July 2008 through January 2009; the W-2 tax form shared Cafeteria Plan? Upon making said claim to agent verbally and clerically for a tragic accident in Feb. 2009, it was discovered there was a minor discrepancy between Aflac,its local agents, and unfortunately my employer. During that time three active polices-accident, hospital, and short-term disability all of which yielded non-compensation nor any type refund by contractual terms. This incident was unsatisfactory and beyond my personal control. I am still to date without resolution, and therefore expect financial restitution. Product_Or_Service: benefits insurance Order_Number: CSDIFG, AADP02, DHIP Account_Number: ********* ********,

Desired Settlement: DesiredSettlementID: Refund I am requesting the maximum amount of $467.74 for 7 months (bi-weekly payroll of deductions $33.41x2=66.82 monthly)sent to me directly. However, I will accept $319.76 for the last active policies on file.The reimbursement may be made in an acceptable United States currency form of business, cashier's check or money order only.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

11/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for the short term disability and have been a policy holder since March of 2013. I delivered my baby on 7/22/14. From the start of submitting my claim till now (2 months later) everything has been an ongoing nightmare. I did not even receive my first payout check from them till one month after I delivered my baby and it seemed they tried to do everything in their power to make receiving what they owe impossible for me to obtain. I submitted my claim one week after I delivered. First problem, they sent a letter to me one week after I submitted my claim stating they don't have the physician form, I called them and told them I faxed it in already and have fax confirmations to show. They said the top was cut off so I refaxed it twice to ensure they received this. This is frustrating because I called them a few days after faxing my claim in to make sure that they recieved everything they needed and the rep said yes and it would only take a few days to process this. This letter they sent was dated on 8/9 and I didn't even recieve this till mid august! Then i call back a few days later to check my status and the rep says that they have been trying to contact my employer to confirm something and that this was what is holding up the claim and that they left messages with them. I called them and told them to call Aflac so maybe this can move along faster which they did but said that they never received any messages. Now I'm trying to call to inquire about my second check and am being told that I was only going to get a check for 28 days as opposed to 6 weeks due to a 14 day elimination period which I was never told about. I feel that they will tell you anything to make you sign and take your money. Had to speak many times with aflac which was frustrating and time consuming since I have a newborn! They then told me they can do a rebuttal claim and this can take up to 14 days, but today my agent said they denied it. Final conversation ended with me canceling my policy.This is the 2nd complaint

Desired Settlement: I would like aflac to honor what they say when I signed up with them. That means cutting me a check for $1500 for the last two weeks.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to review and address directly with the policyholder.

Thanks,

** ******

11/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I held three policies through AFLAC ********, ********, ********. The payment for those policies were taken directly out of my paycheck at *** ****** **. When I transferred to **** clinic I received a letter in the mail stating that I needed to contact AFLAC to set up different payment arrangements. Two call were placed; one to see the pricing of the policies as they were directly taken out, I told the gal that I would discuss this with my husband to see if we wanted to keep the policies. The following day a phone call is placed to AFLAC to continue my policy services. My premium was $145; my credit card information was given to the lady and I was told that starting in September payments would be taken from my credit card. In reviewing my credit card statements I did not see a debit placed so I call AFLAC and to my surprise my policies have been terminated.I spoke to two further people to see what had happened. According to the calls I was told that there was no record of the call and that they tell you when they are recording calls. I have called Aflac several times and have never been told that my conversation was recorded. I was told that I would have to fill out paper work to apply to get my previous benefits back. According to the information that was emailed to me I would not qualify for reinstatement. I told the guy that I did not feel I should have to do this as this was an error on their end not mine. I have always paid my premiums on time and followed their instructions to continue coverage. He said I could write a letter for reactivation but that there was no guarantee that I would be approved. I know I called the right number as it takes you through the AFLAC options and I have entered my social security number every time I called and they have located me. If I had called the wrong number according to them It would have not located me.

Desired Settlement: I have already told them I would be willing to pay back the $369 for reactivation of my policies. This was not an error on my part it was an error on theirs. My policies should be reactivated without me having to run around in circles and I would really like to know where my credit card information went that was given to the AFLAC representative. I expect a prompt resolution to this issue.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder. Please allow 48 hours for a response.

Thanks,

** ******

Consumer Response: [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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,
******** ****** 

10/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I e-mailed the company to get a fax number so I could send them notification of cancellation ofmy policy. They also ask why you are cancelling your policy. I told them I can NO LONGER AFFORD ITI would like your fax number so I can fax the info i faxed them and my pay stubs showing that they have not stopped deducting this off my check. I am also requesting my money back from the time I notified them up to now. I spoke to customer service 3 weeks ago and they confirmed they received my request and it would be taken care of.Sincerely,**** ******

Desired Settlement: So Far they owe me 150.00 back

Business Response:

Good morning,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ******


 
 
Are they aware of the the refund of 150.00 dollars I am asking? There
letter from **** ***** said if they owe me money
they would refund it. Also this is a first from them that I had to
notify my account admin. on no more deductions
coming off from aflac.This is a sad situation because had this been
handled correctly from the time I signed up
with aflac back in June2014 I don't think I would have these problems
now. **** ****** **** ******

10/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My rep said Aflac had great maternity coverage under short term disability- 12 weeks coverage. After I signed up (sept 2013), he gave me the carbon copy of benefits which he wrote "3mon" under the terms of how long I would get. It wasn't until I called the 800 number to get my claim forms in July (baby due aug 2014)- that I was informed it was only 6wks natural, 8wks c-section. I called my rep because that's not what he told me. He said all I had to do was have my doctor write a note. So, like an idiot, at my next dr visit I asked for a note- which is when I learned the note was only if it were medically necessary. I contacted my rep again informing him that she wouldn't just "write a note." He said he would contact his manager to see if we could get this resolved and apologized for the miscommunication. Two days later my rep is no longer with the company and no one wants to resolve the problem he created. I've placed countless calls to his manager, amongst numerous other people within this company- no one answers their phones or returns my messages. I feel like I was duped into signing up for a plan under false terms and everyone keeps passing the buck on resolving this situation. I've been fighting since July to get honored what I told I was was signing up for and have yet to get any resolution. Highly unethical company, with reps who don't know the real terms of the policies they're selling, and upper management who refuses to deal with issues! I shouldn't have to read the fine print paperwork to make sure what my rep told me (and wrote on my carbon copy!)- is accurate.

Desired Settlement: I want the remainder of my 6 weeks honored as it was stated I would be receiving.

Business Response:

Good morning,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and address directly with the policyholder.

Thanks,

** ******

Consumer Response: [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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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

10/21/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for coverage with Aflac when an Aflac representative (*** ******) came out to my job. While she was explaining all of the packages available I decided not to take the dental and medical at the end of the discussion. She drew a line through it and had me initial that I did not want it. I only purchased life for $51 per pay period and accidental for $24. When I recieved my first check with the Aflac deductions I saw where they were charging me for the dental and medical that I initialed saying I did not want it.I called the rep on September 15th and told her that I wanted to cancel the services and I was being charged more than what I authorized. She emailed me on the 16th and said she would call the next day. Of course, she did not call so I emailed her again on the 18th and she responded saying she was working on it. On the 22nd I emailed again and she responded saying she was on vacation but nothing could be done until October 1st. She also said she had to check my cafeteria plan under the section 125 IRS tax code. I checked it and emailed her on the 25th because she never got back with again like she said.I told her I still had the receipt I signed proving I was being charged for coverage I did not authorize and that the life insurance can be cancelled because it is after tax.All she said was I will call this afternoon and never responded.On the 28th I threatened to file a complaint with the BBB and she finally called. She told me she would fix it and apologized saying she had been ill.She told me she was going to fax a form to cancel it and I needed to sign and fax back.She never faxed despite my emails over the next few days telling her I never received it. On October 2nd she even said she was going to fax it right then.I emailed again saying I didn't receive it and she said she was emailing an attachment and to print it, sign and fax.I received and email without an attachment and on October 6th she said she would resend the next day and never did.

Desired Settlement: I want to be refunded for the full amount of unauthorized charges. As of October 1st I want the life insurance cancelled and a refund of any amounts they take past the time I first tried to cancel. I do not want to have any deductions from Aflac in the future as I am not the only one at my job going through this.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

10/21/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am in the seventh month waiting for this company to settle physical therapy payments. I am now homeless and unemployed.

Desired Settlement: I called yesterday and my wait time was seventeen minutes. However, when Requested a call back, I was told that they don't make outside calls. This company has no concern for fair nor true practices. I went on to tell ******,the person who received my call that the duck being shown on TV should really be in a casket. This is how they are treating me and my claims.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to research and address directly to the insured.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


This complaint was accepted: ********. 
I requested that I get a refund of the $39.12. 
There was no request from me, the patient and neither had there been any payment from this company which is someone's obligation regardless. The message is no clear here. Is BBB expecting me to continue to pay Aflac? It is their company advertising that if or when accidents happen to those persons insured by them, the insured will not have to worry about anything. At the moment I am homeless and jobless. Surely Aflac is not worried about this at all. 

Business Response:

Good afternoon,

We are in reciept of these BBB concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to be researched and addressed directly with the policyholder.

Thanks,

** ******

10/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have life insurance paid directly from my paycheck, and upon changing contracts my company has overpaid Aflac twice, and they have yet to refund my money. The agent ******* ******* was notified when she returned to the office, called "********" in my presence and stated I would be refunded within 5-7 days. The first incident was June 6 and the second in August, four months later I still dont have a refund and when emailing for a status the agent doesnt acknowledge my question at all. Instead she blind copies this ******** asking her to reach out to "this person".

Desired Settlement: I would like to have both overpayments of 19.26 each refunded and preferably a new agent or the ability to end coverage before annual enrollment.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

10/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had a ****** ******** in my right hand and filed a claim with Aflac and they are refusing to pay according to the policy. I have called on multipy times with no response.

Desired Settlement: I desire to be pay according to my policy.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

10/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have never experienced such poor customer service in all my life. I sent my completed disability forms way before the due date to your main office of Aflac like the application clearly stated. However, per **** ******,I was suppose to send the application to the **** office. No where on the application did it say that and I downloaded the application off the link that was sent to all **** members. I got a phone call saying I was missing one page. Then, I got a phone call saying I was missing two pages. I finally talked with **** ****** where he stated in a telephone conversation that my papers are most likely sitting in a pile on some desk at their main office but he wasn't going to get them because I did not send them to the **** office. This was extremely upsetting to me. By doing that, I would not fall under the pre-existing clause (how convenient) but he would let me have the insurance starting in November. NOTE: I have had disability insurance for years. When the **** changed over to Aflac company, any person who had previous disabilty insurance would be exempt from any pre-existing conditions. The way this entire situation went down was an embarrassment for any legitimate company.

Desired Settlement: I should be able to get the disability insurance without any pre-existing clauses like I was suppose to...I have never used my previous disability insurance and I hope to never use this one but a person does not know what life brings.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to Ms. *****.

Thanks,

** ******

10/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been a client of Aflac - accident, disability, and cancer policies now for about 5 years. In April 2014 I added health care, and life insurance. In June I had my normal ************* appointment and due to a pain I was recently having my Dr. ordered some tests. The results of all the testing between June and August has led to a total ***********, which I had done in late September. For whatever reasons, my claim happened to hit an auditors desk and for the last 2 weeks has asked for files, documents, and office notes repeatedly. They have evey single piece of documentation available other than being in the OR and filming the surgery. As I am out of work for 6-8 weeks was depending on this claim being settled in order to pay rent and feed my child. The complete run around I get every time I call is extremely stressful and completely unnecessary. Between ****(my rep) and myself we have contacted the claims department everyday, more than once, and still have to answers as what they could possibly need. All the information they asked for I faxed to them. Then they asked that **** get the documentation directly and fax it herself. Now yesterday they asked that the Dr. fax the SAME documentation directly for their office so they know it's not tampered with. REALLY?! Why have an agent? I believe I am being sidelined and I have had enough of the run around. I am supposed to be healing and resting, not running around town to get documents they already have, or being so stressed that it delays my healing process.

Desired Settlement: I want the claim settled and the payment I am entitled to from my ************ and hospital stay.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

Consumer Response: [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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

**** ****

10/17/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: First I would like to say I am extremely disappointed with Aflac. Aflac has been double charging my work account and have been contacted several times about this problem. I contacted my ******* ******* and I rarely get a return call but when do it filled with empty promises ,and lies. I was told months ago this problem would be taken care of ,and it hasn't. I been waiting on a refund check ,and I was told it was mailed on the September 9th ,and I was told I would see it in a few days. That never happened. When I called ******* to touch basis about the situation he did not answer my call and I left a message ,and never got a return call. So I decided to call his manager **** ****** ,and left a message with the same results. He wouldn't return my call. I hope this company will do the right thing and put people in these positions that care about there customers. Thank you.

Desired Settlement: DesiredSettlementID: Refund I would like my refund ,and a return call

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

10/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I filed a death claim in January 2014 for my spouse and the status of my claim has not been finalized. I have supplied all required documents, Aflac Claim Form, Physician Statement, marriage license, death Certificate and anything else that was required and I am still waiting for my claim to be handled. In addition, the company continued to take insurance payments for my husband who was deceased. I have spoken to, ******, *****, ********, **** and others, that I hate to mentioned. My files went to the Auditors, but I can't get the name of the auditor. I am still waiting to hear, from them again today. I would like my claim to be settled and sent to me along with the funds they continued to receive after my husband's death. I have all my other insurance with this company and I am so dissapointed with them and my insurance agent, Mr. ***** who also has done nothing for me.

Desired Settlement: I would like my life insurance policy claim paid to me and any over payments that are due to me. I would also like the company executives to take a look at what is going on at the bottom. After all it is a good company so I thought.But, I hope by filing this complaint my claim is not denied. "Peace of Mind" Aflac is not

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to researched and addressed directly to the policyholder.

Thanks,

** ******

10/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: When signing up for AFLAC the rep sold me on the timeliness and ease of how claims are processed. He also stated I could submit a Wellness claim once my policy was active. He never mentioned a grace period. Once the policy became active I submitted the claim but it was denied stating that I had to wait 30 days. I tried calling AFLAC local and left several messages for the rep who signed me up, as well as the rep assigned to me for my policy. This was 2 months ago and I still have not heard from either of them. In August I was seen in the emergency room on 08/07/14, I was there overnight and then admitted to the hospital on 08/08/14. I submitted a claim for this and was paid for an xray, 2 days in the hospital, and being admitted to the hospital. However, according to my policy I am supposed to also be paid for emergency room visits. Nowhere in the policy does it state that if you are admitted to the hospital after being seen in the ER that you cannot get paid for being in the ER. I called AFLAC once I received a statement of what they paid and inquired about the ER and lab services payment. At first I was told my policy did not cover ER visits, and after I told the rep that it did and I was looking at my policy, I was placed on hold and then he confirmed that it was in my policy. He re-submitted the claim for the ER and lab payment. Today, 09/29/14 I called to check on the claim and was told that because I was admitted that I could not receive payment for being in the ER or having lab work done. It takes AFLAC much longer than the time they advertise on television to process a claim. They do not live up to what they place in the contracts and will basically say anything to sign you up and then you're pretty much on your own. They have the worst attitudes and get mad if you read your policy to contradict what they're saying. They do not adhere to what is in the contract.

Desired Settlement: I would like to be paid for what is in my contract and not be told something different, when it is clearly not what my contract states.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to research and address directly with the insured.

Thanks,

** ******

10/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a accident policy with Aflac, their was a death from an accident. I am now being told my policy is invalid. Policy was issued 11/1/05. Policy has paid on Hospital policy which I also have. I am now being told as we were not married the poliy is invalid (we were together for 39 yrs)

Desired Settlement: policy paid

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *******
 

All they are saying is that they will review the case, Which they have been telling me since July.

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to address directly with the policyholder.

 

Thanks,

** ******

10/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This is a hospital indemnity policy. There is a benefit that states I will be paid $150 if I have an MRI. On 08/28/14 I had an MRI and AFLAC will not honor their policy. They have sent documentation to the wrong doctor to delay my claim twice and it took six phone calls to their claims department for anyone to look into this. Now they have denied the claim citing a pre-existing condition. The MRI was of my left shoulder. The MRI showed a **** ****** of my left shoulder. Aflac is citing a pre-existing condition because a different doctor treated ******** in my left shoulder last year. ******** is not a **** ******, ******** can not cause a **** ****** and is not a pre-existing condition to a **** ******. Aflac has still never contacted the specialist who ordered the MRI, though they have contacted two of my other doctors to try to avoid paying this claim, though they are not the specialist treating me.

Desired Settlement: Pay the claim $150. without more delays.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be researched and addressed directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]
this is not a solution, they are reviewing (delaying) again. FYI, I surgery yesterday and it will take me a few days to look at my email again.

Regards,
******** ****

Business Response:

Good afternoon,

We are in receipt of these concerns and will forward to the appropriate department for further research.

Thanks,

** ******

10/10/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In January of 2014, I signed up for an AFLAC Accident Only Plan.On the 22nd of January, I started paying for this policy:01/24Withdrawal Debit Card VISA CHECK CARDAFLAC COLUMBUS OT 706-3233431 GA - 01/22 -52.26 Every month since then I have paid for this policy:02/23Recurring Withdrawal Debit Card VISA CHECK CARDAFLAC COLUMBUS 706-3233431 GA - 02/22 -52.26 03/23Recurring Withdrawal Debit Card VISA CHECK CARDAFLAC COLUMBUS 706-3233431 GA - 03/22 -52.26 And so forth until the most recent deduction:Withdrawal VISA CHECK CARD AFLAC COLUMBUS 706-3233431 GA Date 09/23/14 *********************** **** ** **** ** *****-$52.26Authorization Number: ******* have been trying to cancel this policy for over a week.No one can find my policy information nor have attempted to help me in any way.I have been paying for a policy for 9 months that doesn't exist???I need the payments to stop. I need this policy or whatever it is to be terminated and I want a refund, because apparently this money has been going to nothing.

Desired Settlement: I am in need of a refund in the amount of $470.34 and need someone to stop the recurring debits to my check card.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the Ms. ****************

Thanks,

** ******

10/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I filed a disability claim on Monday, September 15, 2014. I had all my statements ans paperwork in order. Actually my human resource director at ******* ******** faxed the paperwork to Aflac for me. They claim to be "fast", and get claims done in 2-3 days. Well, I called on Sept 18th and they told me they did not have the Physician's Disability Statement. I asked them to look again, because my doctor filled out two!!! Well, the girl I spoke to found it and sent it over to auditor. this weekend I get on computer to check status of claim and it says it is missing physcian's statement. So, I call today Sept 22, 2014, to speak with someone and I get the same thing. I ask her to take a good look. She sees statement. I ask to speak with auditor, and no, you can't do that!!! Information is falsified about my case on the computer because it still shows my physician statement is missing. I have been out of work 2 1/2 weeks and I'd like my money. I do, after all, pay these people for coverage,

Desired Settlement: I would like my money that is owed me quickly. I'd like Aflac to stand behind their advertisements of claims being paid in 2-3 days. I would like the auditor to speak with the consumer. I would like them to get their crap together and LOOK at everything and stop making excuses. They knew they had that paperwork. I would appreciate a heavy reprimand for this. They need to also be placed on your list as a poor business.---- can you please get my check? Thank you so much.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be researched and addressed directly with the policyholder.

Thanks,

** ******

10/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC DID NOT PAY THE MONEY THAT IT WAS ENTITLED BY OUR CONTRACT FOR SHORT TERM DISABILITY. MY POLICY #********. I HAD AFLAC SINCE 2011. AFLAC PAID ME FOR MY 2012 SHORT TERM DISABILITY FULLY. IN 2013 I HAD THE SAME SHORT TERM DISABILITY FOR WHAT AFLAC REFUSED TO PAY FOR 5 MONTHS. I HAD THE COLONIAL AT THE SAME TIME WHICH DID A GREAT JOB SUPPORTING ME. AFLAC ASKED FOR DOCTOR'S NOTES AND ALL INFORMATION WHICH I PROVIDED ON TIME BUT THEY KEPT REFUSING TO PAY, HOWEVER, THEY NEVER REFUSED TO GET PAID BY ME FOR MY POICY WITH THEM. I REALLY THINK THAT THEIR REFUSAL WAS UNREASONABLE SINCE I HAD THE SAME POLICY DURING THE PREVIOUS YEAR AND THEY PAID ME FOR MY DISABILITY BUT THEY REFUSED TO PAY FOR NEXT YEAR. MY SHORT TIME DISABILITY WAS RELATED TO ********** AFTER WHAT I WAS EXPERIENCING SEVERE **** ****, *** **** **** AND ******** ****, WAS NOT ABLE TO SIT, EXPERIENCING *********, **** ***** ***** DUE TO WHAT I WAS UNABLE TO GO TO WORK. I WAS TAKING *******, ******, ********* AND SO ON.

Desired Settlement: AFLAC INSURANCE AGENCY WERE OBLIGATED BY CONTRACT TO PAY ME $2606.67 A MONTH. THEY DID NOT PAY ME FOR 5 MONTHS FROM 01/22/2013 TO 07/02/2013.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be researched and addressed directly to the policyholder.

Thanks,

** ******

10/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In August 2013, an Alfac representative offered Aflac to the employees at my job. I went ahead and signed up not knowing what the future would bring. In May of 2013, I was told I had *********** and a focus of well-differentiated *********** ************** which was explained to be a pre-cancerous state meaning "not cancer" so when I signed up for Aflac, I marked no on being diagnosed with cancer or treated because it was not formed yet as cancer (this is how it was explained to me). In June of 2014 I was hospitalized for 7 days because I was having pains. After running a series of tests, the doctors said they had found what appears to be a stage 3 cancer in my ****** *** **********. They ran test after test until they decided that a ************ was the only solution (removing everything). Once I woke up from surgery the Doctor said he found reasont o not remove anything therefore still having my insides. Miracle!!!Now once I received all my paper work needed to file a claim to Alfac, I did on Augst 1. Now it is October 2 and have yet to receive a response. From what I have been told time and time again since mid August is that my application is being investigated because of my results in May 2013. I understand the investigation but I havent received any updates at all!!! It has been the same run around for over a month. I have called almost everyday, spoken to people in the claims department and everyone offering to call me back with only few who have to tell me the same exact thing!!!! Before the investigation was announce to me I was given a paper to sign that would cancel my policy and have them return my premiums along with a form I had to sign for my claim... I f I were not smart enough to read it they would of tricked me into signing it!!!! I told them that was very sneaky of them and that I didnt appreciate that!!!! Please help me get this resolved? I have hospital bills that I have to pay and back payments I have to catch up to for the time I was in the hospital. Thank you.

Desired Settlement: I would like to stop getting the run around from this company and get a response from them. It has been almost 2 months of the same mess from them.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly to the policyholder.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and I would hope that they address this asap with whoever it may concern.

Regards,

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

10/3/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: 3 attempt to collect money from Aflac on my accident policy and every time I had to call to figure out why the claims were not being paid in full... This last time they are trying to dispute money that is owed to me with all the proper documentation in front of them.

Desired Settlement: Just awareness of how the pride themselves in paying out claims however they try not to pay the money that I am entitled to as per my policy...

Business Response:

Good morning,

We are in receipt of these BBB concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to research and address directly with the policyholder.

Thanks,

** ******

10/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for the short term disability with Aflac and been a policy holder(********) since March 2013. I delivered my baby 07/22/14. From the start of submitting my claim until now, more than 2 months later, the process has been a nightmare. I did not receive my first check until 8/23/14 and went through hurdles to obtain it. First, I receive a letter from them more than one week after submitting my claim stating it was incomplete However, I already faxed in all my paperwork (I have the fax confirmations) I then call them to ensure they received everything and they said yes. I had to call them and learn that the top of the forms were cut off.I then refax everything twice.A few days later I call back to check my status. They tell me the claim has not been processed as they are trying to contact my employer and they left a message for a call back. I got in touch with my employer myself to ask them to call Aflac in hopes that this will fasten the process, it did. However, my employer alerted me that they never received a call/message.Now,3 weeks in since I submitted my claim, I am exasperated and very unsatisfied with this process. Finally a week later, I recieve a check. The last/ main issue is that when I finally receive a check it was NOT in the amount my AFLAC agent and I discussed when i signed on. After many phone calls back and forth, AFLAC said that due to a 14 day elimination period, which was NEVER mentioned to me, that I would only be paid for 28 days as opposed to the 6 weeks they tell people. Bottom line, I feel that I have been scammed by Aflac.On two separate occasions I had to fax things in then endured multiple phone calls back and forth all the while with a newborn and 5 year old. The whole process has caused large amounts of stress and anxiety both emotionally and financially on my family and me.They handled everything so poorly that the final conversation with AFLAC concluded with me voicing my disappointment and frustration and canceling my policy.

Desired Settlement: I would like Aflac to honor what we agreed on when I first signed up and pay the last two weeks which should be in the estimated amount of $1500.00 and then cancel my policy immediately. (*********

Business Response:

Good afternoon,

We are in receipt of this BBB concern.  Due to privacy regulations, we will forward these concerns to the appropriate department to have researched and addressed directly with the policyholder.

Thanks,

** ******

Consumer Response: [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 ********.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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

9/29/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Have been an AFLAC policy holder for 6-7 years under the Accident plan. Recently on a run, I passed out and fell down while having to take a Ambulance to the hospital. Was treated for dehydration as well as many tests to see if I had broken anything and treated for a laceration on my back right shoulder. My sales rep ******* ******* led me to believe these are the kinds of things that would be covered under my plan, so for 6 years or so I have had money taken out of my paycheck to do so. Sent my claims in as requested, and for them to find a "loophole", calling it a "health issue" is typical insurance scam jargon. I don't request much or any money for this, but just want to voice my frustration with the sales process and claims processes as I believe them to be misleading and what give insurance companies a bad name. I also wish they indulged deeper into a claim if they reject it. Thanks and look forward to hearing from you.

Desired Settlement: Like stated above, would like some consideration for my years of paying under false presumptions or to reopen the investigation under my claim.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and address directly with the policyholder.

Thanks,

** ******

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to be reviewed.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]


Still no response from company. 

Regards,
***** *****

9/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am writing this complaint because of Aflac policies that are just outrageous I got hurt over 2 weeks ago and my claim is still pending because of Aflac negligence they are very rude at customer service and no one ever knows what the other said or is saying. I've been given the complete run around I had signed up after giving birth to my son 2 years ago and I was not able to go physically in the office to the agent so she requested that I signed a blank piece of paper and send it to her so she could add it to my application I remember distinctly telling her I need a 2 year plan now that I'm hurt and put in a claim which I am still waiting on to be processed I'm also hit with the story that it was only a 6 month policy I have contacted the agent by phone and text message yet with no answer. What is truly going on within the walls of this company. I pay faithfully ever month $93 and there is never an issue now that I'm disable this is outrageous and I need HELP

Desired Settlement: I need for my claim to be processed I need for my contract to be corrected to the 2 years in which I requested and I definitely need for Aflac to stand behind their 3-5 day processing claims which they state on commercials and on their website. Also the adjuster that is handling my claim really needs to get it together and do their job efficiently and correctly their turn around time is absolutely ridiculous

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and address directly with the policyholder.

Thanks,

** ******

9/29/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My company canceled our policy effective July 1, 2014 and we are still getting invoices, past due notices and I am getting the run around from ******* ****** our district sale coordinator and our sales rep ***** ********** Still no confirmation the account was canceled.

Desired Settlement: cancel our account and send us notification.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the account.

Thanks,

** ******

9/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Hello, My name is ****** ******** and I am employed with the *** ***** ************ ****** ********** ******* since 2/2010. I am playing for 4 Aflac polices: Hospital ********* Accident ********* Short Term Disability ********; Cancer ********. Maybe I was naive when I elected to have AFLAC as a supplementary Insurance. But I specifically asked questions about each policy I was agreeing to and what I was sold in the presentation is why I decided to accept AFLAC. Because ***** does not have a STD policy for Commissioned or Civilian employees who are off work due to a injury or sickness it was highly encouraged that we purchase the Short Term Disability policy. I have spoken with both Commissioned and Civilian employees who were injured on the job that resulted in them taking time off work and I was told by both that if it were not for having AFLAC STD they would not have been able to managed the additional finances with their bills. In other words AFLAC paid them STD while out due to an injury that happened on the job. I injured my back 02/2014, went through workers compensation rehabilitation, MRI and epidural shots for pain management and then released by workers compensation to full duty, stating there was nothing else they could do for the pain. I missed several days from work due to the pain until finally I went to see a specialist who immediately stated I needed surgery. I did not have any sick time left to cover me while I was out for surgery and rehabilitation but I knew I had AFLAC for STD which will help cover the expenses of those must be paid expenses. I had also spoken to other employees who had on the job injuries and they were covered under STD with AFLAC and confirmed to me that AFLAC covered there on the job injury and I should not worry. I had my back surgery on 8/26 and was released on 8/29 to a rehabilitation center. Completed all my paper work to file a claim. I was even told a check was in the mail from the Accident Policy claim and to this date, I have not received it. Well, today, I called the customer service number for claims at ###-###-#### and opted to have someone call me back due to high volume of calls. I received a call at 3:11PM from ###-###-#### and spoke to the rep asking why I have not received any checks and this is what I was told, I am not covered for on-the-job injury". So I asked, are you saying that I am paying for a policy that I cannot benefit from, "silence". I told the rep that Workers Compensation is not covering the surgery at all. That all medical issues for my back surgery is my responsibility to be covered under my insurance. I knew I did not have any sick time left to compensate me while I recovered and rehab from the back surgery, I was confident in knowing I had a short term disability policy with AFLAC which will help in compensating me for the expenses that needed to be paid until I was well enough to turn to work. But after speaking to the customer service rep and her telling me I will not be receiving any Hospital, Accident or STD payments because this is an on the job injury. Even after I explained to her that workers compensation said that they closed their case and returned me to full duty. I was seen by a specialist who determined I needed surgery. The total coverage for this surgery is on my UHC insurance and is not covered under workers compensation, she still stated I will NOT be receiving any benefits. And I said to her, you are saying, I am paying for AFLAC policies that I will never be able to use, "Yes" because AFLAC does not cover on-the-job injuries. I then said to her, what you are telling me is that since I will not be getting any financial compensation to help with paying my bills, I should return to work as soon as possible rather my body is ready or not if I want to pay my bills. So what I am saying to AFLAC is that on Monday, 9/15/2014, I will ask to be released from rehabilitation, contact my doctor and inform him that I must return to work because I just found out that I am not covered under AFLAC for short term disability and I do not have any paid sick time left. I will also contact my lawyer and inform him that I could not complete the rehabilitation because AFLAC stated that even though Workers Compensation stated that the surgery to my back is not their problem, AFLAC is also stating that the hospital stay and rehabilitation is not their problem as well. So because I cannot get adequate care to resume a normal life, I am now under extreme stress. What will AFLAC do if I re-injure my back because I could not afford to remain off work to fully recover because I needed to work to pay my bills? I will file a law suit against AFLAC for mis-representation and lying in their sales pitch to get people to enroll in their plans. The purpose of me getting short term disability through AFLAC was because of the sales pitch and because the commissioned and civilian employees who have had on and off the job injuries sworn that AFLAC covered them during their STD. Thanks to AFLAC, I need to return to work early in extreme pain.

Desired Settlement: I am paying for four policies.I want the refunds from my accident policy and I was told that MRI and rehabilitation was included.I want the refunds from my hospital policy and when I signed up for the hospital policy I was told this also included rehabilitation, I want that refund as well.I want to receive short term disability while I am off work. My injury or surgery is not covered under workers compensation. I do not have sick time left and was depending on STD to cover my needed expenses.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and address directly with the policyholder.

Thanks,

** ******

9/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have sent all paper work to Aflac directly and to my Aflac agent. They refuse to pay me on my claims. I keep getting a claim form sent to me in the mail that I have faxed and scanned over several times.

Desired Settlement: I would like to get paid on all my claims.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and address directly with the policyholder.

Thanks,

** ******

9/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: MY HUSBAND ****** ******** HAS A CRITICAL ILLNESS POLICY WITH MY JOB ********* ********* HOSPITAL. HE HAD A STROKE SENT IN ALL THE PAPERWORK I HAD ,EVEN A LETTER FROM THE DOCTOR WITH HIS INFO.ON IT HIS MEDICAL NUMBER ADDRESS,PHONE NUMBER AND CONDITION OF THE PATIENT.BUT THEY TELL ME MY HUSBAND DIDNT HAVE A STROKE.I HAVE APPEAL TWICE,I TOLD THEM SOMEONE IS LYING AFLAC OR THE DOCTOR.CAN YOU HELP ME WITH THIS ISSUES. THANKS IN ADVANCE.DELINDA ******* ###-###-####,DOCTOR-****** *****-###-###-####

Desired Settlement: I WOULD LIKE TO RECIEVE MY MONEY FOR WHICH I AM OWE FOR THE POLICY I PAY FOR EVERY 2 WKS

Business Response:

Good morning,

We are in receipt of these concerns addressed to the BBB.  Due to privacy regulations, we will forward these concerns to the appropriate department to research and address directly with the insured.

Thanks,

** ******

Consumer Response: [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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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

9/19/2014 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: I submitted a hospital indemnity claim for my husband and they keep trying to say that it is a previous injury. I sent them a letter from my husbands surgeon saying it was not, and they still denied it. They are thieves and will not pay!

Desired Settlement: I would like my claimed to be paid!!! Based on my policy it should be.

Business Response:

Good afternoon,

We are in receipt of this BBB concern. Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly to the policyholder.

Thanks,

** ******

9/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am a current policy holder with Aflac; both personal sickness and cancer policies. At the time I signed up for these policies I also signed up for Life Insurance. I even called my chosen beneficiary to get her social security number right in front of the sales rep. I asked about changing beneficiaries at a later date. I absolutely, 100 percent, without a doubt signed up for life insurance on the same day I signed up for cancer and personal sickness coverage. Now, after being diagnosed with cancer; Aflac says they have no record of my life insurance policy!!!I have contacted Aflac and they tell me I don't have a life insurance policy with them. So, I contacted my sales representative directly. He will not even return my email... I have been going through cancer for 2 years and thought that if I passed away my children would have financial security at least. Aflac and the sales rep have been unhelpful. I want to know what happened to my life insurance policy? My other policies are paid to date. Did they lose it conveniently because I have cancer?

Desired Settlement: I want them to find out what happened and reinstate my policy at the same rate it would have been before I had cancer. I have never let my policies lapse in payment. Either the sales rep is at fault or Aflac is at fault. Someone needs to fix the problem.

Business Response:

Good afternoon,

We are in receipt of this BBB concern.  Due to privacy regulations, we will have the appropriate department review and address directly to the policyholder.

Thanks,

** ******

9/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased a short term disability policy as well as the hospital plan in October of 2013. I became pregnant before the first ten months of my policy so they denied my claims. The agent told me as long as I wasn't pregnant when I signed up they will pay for the claims. I put this in writing when I was told my claims were denied. I wrote a letter requesting a full refund for my policies since the agent didn't give me the right information. They refuse to give me a refund.

Desired Settlement: I would like a full refund of $1224.10.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and address directly to the policyholder.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]  


I am rejecting their response because they say they will resolve it but nothing changes.  I have spent over two weeks trying to get the matter resolved and they keep giving me the run around. I did everything they requested as far as sending a letter to get a full refund and they still refuse to give me a refund.  I do not wish to speak with them because they are just trying to avoid the problem at hand. 

Regards,

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

Business Response:

Good afternoon,

These concerns have been forwarded to the appropriate department to be researched and addressed.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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

9/8/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Hello,Cancelled AFLAC insurance in writing with confirmation from local agent in May 2014. However as of August 2014 still getting charged for insurance after multiple follow-up correspondence through agent and AFLAC website and no way for a consumer to remove automatic payment information online.

Desired Settlement: I would like to be refunded the fees charged after May 31, 2014.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

9/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: - Cancellation policy was unexplained at the time of signing of the contract.- Specifically, it was unexplained that written authorization is required from the employer for cancellation. This policy is not stated on the on-line account, nor it is stated in the insurance document. - It is also not stated in any of the above location that cancellation is only possible during an open enrollment period.- Starting and ending dates of the open enrollment period is not available on-line, nor in the insurance document. - Cancellation is made difficult: cannot be done online. No cancellation forms downloadable online. Have to call agent for cancellation form.- Cancellation request is not handled in a timely manner. - Reply was mailed 14 days after faxing the cancellation form.- Cancellation was not processed, and additional dues were collected after the effective date of cancellation.

Desired Settlement: Refund is requested for the premium collected after the effective date of cancellation, August 1, 2014.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

9/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: After having Aflac since apprx. 2001 ,In 2011 I needed surgery for a fall at work that tore up my shoulder.The claim was denied,my agent in 2013 told me to re=file , stating it should have been paid out. when denied again , she tried to cohearse me into lying to aflac to get paid. I refused and went to my state of Oregon Insurance commission. They investigated , and I was told...sorry, they now state that you do not have the full policy for on or off the job...ONLY off the job.What I was told in 2001 , and every year after by aflac reps. was that on or off job were no different. (Average amount of co workers present at the agents sales pich when they make this statement is around 25 people). I have in my possession the Aflac report to the state insurance commission in which words were put into my mouth by the agant who wanted me to Lie.

Desired Settlement: AFLAC STILL owes me aprx. 9600.00 dollars in wage replacement. They have paid out a total of 25.00 to me for one physical therapy visit. I feel like this has all fallen on deaf ears. How hard is it for a company to act in good faith , and just maybe say, we are sorry mr. ****** there has been a mistake,and we would like to correct it for you.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

9/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: July 21, 2014 I had a colonoscopy at the LOUISIANA ENDOSCOPY CENTER ON Jefferson Hwy in Baton Rouge, La. DR. George McCelland from the Baton Rouge clinic on Perkins Rd. did the procedure. I paid a 100.00 co-pay AFLA is refusing to reimberge me for the co-pay. I have a hospital indemity policy which has always reimbursed me in the past. Policy# ********

Desired Settlement: AFLAC should send me a check for $100.00

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, the appropriate department will review and address directly to the policyholder.

Thanks,

** ******

8/26/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am currently subscribed to Aflac for short term disability coverage. I had surgery on a knee injury on June 6, 2014. This injury was a new injury to my knee due to a fall in front of my home. Aflac has made every effort to avoid paying me the wages that I missed while off work due to my recovery. Instead of contacting the doctor who did my surgery and finding out why I needed the surgery, they have consistently been contacting the doctor who was treating my knee for the previous two years. I have a torn meniscus in my knee for a couple years but steroid shots have kept me from having to have surgery and I could live with the injury just fine. WHen i fell this past winter I tore the kneecap and that is why the surgery was needed. I could no longer walk and had no other choice due to this NEW injury. Aflac keeps trying to get out of paying by saying the injury to the knee is old. Yes it's old, but the reason for the surgery was because of a fall and A NEW TEAR. If they would contact the correct doctor they would know that. I don't think they should take adavantage of people this way. Everything I have read about them on the internet says the same thing. They don't want to pay out and I will not accept that. Every time I call they say they have not gotten the paper work and for the past 4 times they tell me that. This last call on August 11th the representative said she did not get the form and then all of a sudden she found it. Stop playing around and do what you are paid to do Aflac. I am not out to be a thief I just want what is due to me. I am honest and expect the same thing from Aflac. I will not be renewing this service when my benefits come up in November and will find insurance elsewhere. Believe me, I did not want to get surgery but in order to live and walk I had too.

Desired Settlement: I want paid for my disability benefits I signed up for and want Alface to quit playing around and get the correct information from the correct doctor. They are being very unprofessional and I feel like they are taking advantage of people and not doing what they are paid to do. I want my money and I am honest and above board. I have all the fax confirmations and paperwork documented on my end.

Business Response:

Good afternoon,

We are in receipt of the BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed directly to the policyholder.

Thanks,
** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I want this to be completed the proper way with the correct doctors notes on the injury who is Dr. **** ******** and not Dr. ****** ******.  They are totally incompetent in their business tactics and taking advantage of people and although some may let them get away with this, I will not.  I am not defrauding anyone and for them to make me feel that way is unprofessional.  Do what you are paid to do and not give people the runaround so you don't have to pay out.  People have a hard enough time surviving being out of work with illness and not getting paid. Aflac is paid each month and I expect the same courtesy with my claim. As a matter of fact if you try to look up my claim, nothing is in their system even though I have copies of all forms and fax confirmations sent to Aflac.   How weird is that???????

 

Regards, 

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

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded to the appropriate department to be addressed.

Thanks,

** ******

8/25/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Aflac came to job after reviewing contract signed us up. Said we could use policy after 1st payment. Come to find out have to be in a yr before use An Aflac rep came to our office on two (2) separate occasions. The first (1st) was the offer and breakdown of different policies. The second (2nd) time she came out was to sign up employees. Myself and one (1) other employee signed up in June 2014. She ( ******* ****** ) again went over the policies that we wanted. The only time she said anything about a year waiting period was for the Dental policy, which neither one (1) of us got. She stated several times that we would be able to use our policies for reimbursement after first (1st) payment on (July 1, 2014) I signed up for the Accident and Specific event policies. Here are the policy # (Accident ********) (Specific Event ********). We would pay for these policies thru deductions from our paychecks in the amounts of 52.78 month and 59.78 month and both were to be pre-taxed. In the first month of August 2014, Family went to doctors for physicals for school and spouse went also. Because I have the whole family covered with Aflac plan I followed there procedures and filed my claims (August 11, 2014) A week later I received three (3) letters in the mail from Aflac stating that I was not eligible for benefit reimbursement because I have to had policy for 1 year. ******* ****** did not I repeat DID NOT state this or explain this. Why would I pay for something that I can't use for a year. I called Aflac and asked them to cancel my policy, and they said that since it was pre-taxed that I could not cancel it. They also stated that like normal insurance I could not make any changes until enrollment time (May 2015). They stated that I would have to have my job (***** ****) call or write for me to be able to cancel it. I informed my supervisor who called HR. They explained to him as he explained to me, that I was stuck. In other words I had to keep paying for something that I wanted to cancel. And all this was because it is pre-taxed and per my super visor and HR "it would open up some IRS red tape". I asked them to stop deducting Aflac payment from my checks and they said they could not. This sale rep ******* ****** misrepresented Aflac by not giving all information out, because 10 our of 10 I would not have purchased this insurance. Thank you ***** *******

Desired Settlement: All money's applied to this program/policy. I was paying for something I could not use.

Business Response:

Good afternoon,

We are in receipt of these concerns addressed to the BBB.  Due to privacy regulations, we will have the appropriate department review and address directly to the policyholder.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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

Update:

I will hear what they have to say, but I will not consider the complaint resolved if I am not released from the contract and refunded for the time I was in said contract because services were never used.

8/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: The intent was to change my coverage with AFLAC from Family coverage to my individual coverage due to divorce. My ex-husband gave AFLAC my new address and I received a packet from AFLAC at that address of my conversion options. I followed their instructions, completed their forms, and sent in a check for the premium to cover the new policies, spending almost $40 to overnight them this information since I was in the middle of Arizona (I received the paperwork on a Maonday. I left to got Arizona early the next morning, and AFLAC's letters said that I only had until THAT Saturday to return the paperwork with the check with the premium).The following is the policy information I have to date:HOSPITAL INT CARE - Old Policy # ******** New Policy # ******** $*****ACCIDENT - Old Policy # ******** New Policy # ? $*****CANCER - Old Policy # ******** New Policy # ? ******I received a letter from AFLAC dated 7/16/14 that the hospital int care policy was short-paid by $21.60. NOT ACCORDING TO THE PAPERWORK AFLACK SENT ME!!!I called AFLAC (800)992-3522 REF# ******* and told them that I sent a check for $180.30 which was the total premium for the three individual policies. The person I s/w said that another policy was short-paid as well. I NEVER did get that letter to give you any specifics on it. It was supposed to be considered a "CRITICAL FILE" and take 3 business days for AFLAC to research and respond to me.I have not received a response AT ALL from AFLAC. I am now asking my local AFLAC agent to step in and help me. She is very kind but tells me that AFLAC is waiting on making a decision.The decision is clear. AFLAC needs to respect the premium amounts they mailed me to my address in my conversion packet.PLEASE HELP TO CORRECT THIS UNETHICAL BEHAVIOR.Respectfully********* ***** ************ ***** **. #****Fort Worth, TX ******************

Desired Settlement: AFLAC needs to issue my new policies at the rate that was in their conversion paperwork that they sent me (which I have pre-paid for a three month period).

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

 

Consumer Response: 8/24/14

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

 
AFLAC has decided to honor their original rates for me for the threee AFLAC policies.  However, AFLAC had declared that the effective date of the conversion policies would be 7/1/14, AFLAC is now stating that the effective date of the AFLAC policies should have been retroactive back to 5/9/14.  While I did receive letters from AFLAC regarding their decision to honor the original rates they have quoted me, I have not received the actual conversion policies with the corrected premium rates with the corrected effective dates.
 
However, I trust in good faith that since this issue went to a level of management in an attempt to discect this debacle, that I will have the originally quoted premium rates with the 5/9/14.

Regards,

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

8/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: As a group member of Bethpage School District, I originally purchased a Cancer Policy (Maximum Difference) in January of 2013. In February of this year I discovered that the initial policy issued to me did not have a wellness benefit which was always part of the coverage for teachers in prior years. My agent, ***** ********* didn't inform me of this and I didn't learn of this until my claims for wellness benefits were denied. I submitted, to my agent, an application to have the policy converted to include wellness benefit in February 2013. My agent never submitted it to the company and several months went by. I never received any confirmation so I called AFLAC NY only to be told they had no record of this application. I complained to AFLAC NY and asked to be represented by another agent. I was told I could receive another agent only after this original conversion was completed. I again contacted ***** ******** and again signed conversion papers on June 3, 2014. Approximately 72 hours later I confirmed the policy conversion was sent into AFLAC NY but an accompanying letter requesting a new agent was not submitted. I faxed in a copy of the letter to AFLAC NY on June 11th of this year. I was told to check on the status of the conversion in 2 weeks time. I did check 2 weeks later to be told the status was pending due to incomplete information from the agent. Again AFLAC NY told me I must go through the agent. I again complained. I contacted the regional office in charge of agents (**** ********) and I called the state commissioner of insurance agents (******* *****) with no positive outcome. I spoke with ******* ******, ****** ******** and ******* **** from those offices who will no longer return my phone calls. I have been told by those offices that I no longer qualify for group discount since I have retired from the district 6/27/2014. I have contacted AFLAC NY again and again and was told the conversion is still pending and none of my complaints have ever been answered.

Desired Settlement: I would like my policy to be converted and retain group member status in reference to billing.

Business Response:

Good morning,

We are in receipt this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 10170491, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am not confident that I will receive a reply.  I have been waiting since February of 2014 for a resolution to this issue.  Why can't this be resolved in a timely manner.  I would prefer to have the BBB to remain involved.

I have received one voice mail message from ******* *****.  I returned his phone call and have still not received a response back.


Regards,

***** ******

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to further research and address.

Thanks,

** ******

8/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I signed up for aflac coverage in 2012, received a cancellation letter last month, called & spoke with mindy, was told my coverage was canceled 3/1/2014, our company was removed 6/1/2014, yet payments were still being deducted from my paycheck, spoke with my payroll department and was informed that my money was sent to aflac for my premiums, I told mindy to keep my coverage canceled, I am looking for a refund of my money in the amount of $132.60. my payroll department told me that our sales rep ***** is looking into this but nothing is been taken care of. all i'm looking for is a refund for my money.thank you, ***** *******

Desired Settlement: I am requesting a refund check to be cut & sent out as soon as possible.thank you

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

8/18/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been trying to cancel my Aflac insurance coverage for over 1 month. I called Aflec and they wouldn,t cancel my policy over the phone. So they informed me they would send a letter/form to my address. After a week and 1/2 , I called Aflac and they said they had mailed it out already. Well, another 2 weeks went by and still no letter/form. I called and was a little upset and asked why they didn't send out the form yet and the lady said she would send it again and that they weren't responsible. I'm charged automatic every 2 weeks out of my paycheck about $31.00. I was actually happy to have the coverage but can't afford it anymore, but it seems to me they don't want you to cancel there coverage once your signed on. Please help me with this as going on 2 months now. Thank you, **** **** ******************* Aflac insurance coverage Account_Number: ****** **********

Desired Settlement: DesiredSettlementID: Refund At least get this coverage canceled. I have been getting charged for something I didn't want anymore and forced to pay.

Business Response:

Good morning,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

8/11/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a life insurance policy on myself and my husband and I have repeatedly requested from aflac insurance a copy of my husbands policy which I do have proof I am paying for this policy. I did recieve a copy of my policy but they still refuse to send this his copy. This is automatically taken out of my paycheck at work or I would of already cancelled. This should be a quick fix aflac just needs to send a copy of his policy! Thank you.

Desired Settlement: Either a refund of the premims which total of $ 224 or a copy of ****** ******* life insurance policy.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

A. Lackey

8/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC has not paid benefits as spelled out in my policy:************ ********* BENEFIT: AFLAC will pay $255 (two hundred fifty-five dollars) per day for a insured person who receives experimental ****** treatments for the purpose of modification or destruction of abnormal tissue. The treatments must be consistent with one or more National ****** Institute sponsored protocols. This benefit does not pay for laboratory tests, diagnostic X-rays, immunoglobulins, immunotherapy, colony-stimulating factors, and therapeutic devices or other procedures related to these therapy treatments. No lifetime maximum***** ********** ** **********This benefit is not payable on the same day that the ********* and ************ Benefit is paid. I have been undergoing an ************ ********* for ****** since May 2013 (As of August 6, 2014, 15 28-day cycles of treatment. 7-days on, seven-days off, for a total of 210 days.)I have provided AFLAC with statements from my physician that "The medications in this study have been shown to have many effects on ****** cells including stabilizing the disease by stopping ****** cells from growing and dividing thus leading to ****** cell death."I have AFLAC with a description of the ************ ********* found on the internet at **********************************************. That site is ClinicalTrials.gov and is a service of the National ****** Institute (NCI). Those demonstrate that I have met the terms of the policy as regards receiving ************ *********.

Desired Settlement: I would like AFLAC to honor the terms of the policy and pay for the days that I have received Experimental Treatment.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

8/5/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have been a customer with Aflac since 2006, I have never filed a claim until this year. I mailed a claim for my hospital stay form 4/23/14 to 5/04/14, the first time I mailed the wrong bill, it was from my insurance company and a copy of a bill I still owed the hospital, I was told those were unacceptable, they didn't accept other insurance form, I was told by a representative(with a tone of you should have known)to send a copy of the hospital bill, everything was itemized. My claim was denied because now they need a form with my Dr to show everything from the diagnosis to what he was paid, all that was on the bill from the hospital I sent them, at this point I am upset, I had open heart surgery, this is added stress that I don't need. I did receive two checks for doctor's visit for $15, another for $30 this isn't even the premium of $55 I pay every month. I called and cancel the policy, but I do want what's owed to me, can you help me?

Desired Settlement: I want my claim paid, since it going on before I cancel the service.

Business Response:

Good morning,

We are in receipt of these concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to have addressed directly with the insured.

Thanks,

** ******

8/4/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had two policies with Aflac through my job. Upon trying to minimize bills, I decided to cancel one of the two policies, which should have gone into effect on May 1st, 2014. I realized on May 30th that there was a problem, when $100.62 was taken from my paycheck (at my job we get paid once a month on the last day of the month). It seems ******* ******* and her associate ***** *******a lost the signed cancellation document I filled out. I contacted Robyn and after she searched, she found the form. Because of this, I decided to cancel the other policy I had. With the first cancelled policy though, since it came out of my paycheck in error, I was due a refund for the month of May 2014. Since then, I have received multiple packets in the mail from Aflac stating I am not due a refund. ******* keeps telling me "disregard the packets, the refund is coming". Now today, July 22nd, 2014, I finally received a check in the mail....someone else's check! A woman from Fayetteville, Arkansas is out $40 because I received her check.

Desired Settlement: I am due a refund because of an error in ******* *******'s Aflac office. I simply want the refund for May 2014 for the Hospital Policy that I cancelled, and ***** ******** lost.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

8/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My employer offered us accidental and critical illness insurance policies. They sent a representative, ***** *******, to the office to explain their products to us. I was under the impression that we would receive paperwork in the mail in a week or 2 after enrolling. A coworker asked if anyone recieved paperwork in the mail and we found out that nobody received paperwork. When I called to cancel the policy, the employees were not helpful to me at all. I spoke to a ******* and he was supposed to keep the premium from coming out of my paycheck. Of course, the premium came out. When I called back I was told ******* doesn't work there and nobody seemed to have any idea what I was talking about. I was told that "somebody" was going to be e-mailed about the problem and they would get back to me. Well, that still hasn't happened yet. This back and forth problem has been going on since June 2, 2014.

Desired Settlement: I want the promiums taken out of paycheck returned and I do not want further payments taken out in the future

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and address directly to the insured.

Thanks,

** ******

8/1/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Aflac representative signed me up for insurance without my consent and knowledge...they been garnishing money out my check starting in march 2003 until 2012.i wrote to Aflac on several occasions trying to dissolve this matter asking them to send me some kind of proof that I signed up.they told me the signature on the applications were processed on a smart app computer.i never signed up for the insurance.also in order to sign up for insurance I would have had to be on my job for a certain amount of time and I wasn't.

Desired Settlement: Aflac been taking money out my check for years now and all I want is my money back..because I never signed up for that insurance and I don't think its right to garnish my money for something I never signed up for.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have these concerns addressed by the appropriate department directly to the insured.

Thanks,

** ******

7/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I CANCELLED MY INSURANCE WITH AFLAC 6-1-14 I WAS TOLD I NEEDED TO CALL MY AGENT WHO I CALLED BUT HE DIDN'T RETURN MY CALL, THEN I FOUND A DIFFERENT AGENT WHO I CALLED AND HE FINALLY RETURNED MY CALL, I TOLD HIM THE OTHER AGENT HADN'T RETURNED MY CALLS AND HE SAID MY AGENT WAS OUT OF TOWN AND HE OFFERED TO HELP AND E-MAILED ME PAPERWORK TO SIGN THEN HE WANTED IT FAXED BACK. I HAD NO WAY TO FAX AND HAD BEEN TRYING TO GET THE POLICY CANCELLED ALL WEEK SO I CALLED THE 800 NUMBER AND TOLD THEM WHAT HAPPENED AND THEY TOLD ME THAT THEY WOULD CANCEL THE POLICY AS OF 6-1-14, WHEN I ASKED FOR AN E-MAIL SAYING THAT SO THERE WOULD BE NO PROBLEM GETTING A REFUND FROM THAT DATE. I WAS TOLD THEY DON'T E-MAIL THAT INFO. I SAID I HAD TO HAVE IT AND SHE AGREED TO TYPE ONE HERSELF AND SEND IT WHICH SHE DID.(I HAVE THE E-MAIL AND CAN FORWARD IT TO YOU!!!!!) THEN THEY SENT A LETTER TO ME ASKING ME TO KEEP PAYING THEM AND THE CANCEL DATE WAS ON THE LETTER AS OF JULY 1 SO I CALLED THEM THEY TOLD ME THEY WOULD CORRECT IT AND SEND OUT MY REFUND I HAD OVER PAID THEM FOR JULY AND 1/2 OF AUGUST AND NOW THEY ARE REFUSING TO SEND ALL THE MONEY BACK AND ARE KEEPING 92.95 FOR THE MONTH OF JULY, AND SENDING A REFUND OF 46.47 EACH TIME I CALL THEY TELL ME A NEW STORY AND NOW THEY ARE REFUSING EVEN THOUGH I HAVE THE E-MAIL SAYING IT WAS CANCELLED AS OF 6-1-14

Desired Settlement: I WANT A REFUND OF THE ENTIRE MONTH OF JULY REFUND $92.95,WHAT THEY TOLD ME, THEY CLAIM THEY DON'T KNOW WHO SENT THE LETTER E-MAIL IT CAME FROM THEIR COMPANY. ALSO I HAVE NEVER RECEIVED THE 46.47 REFUND EITHER!!!! BUT THEY HAVE MANAGED TO SEND 3 LETTERS ASKING ME TO RENEW MY POLICY.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response: Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I guess you don't read the complaints, They have never contacted me and complaining to the BBB is a waste of time all you do is forward to them and they do nothing. Aflac you are thieves and you have never contacted me or even returned the money you said you owed me,  Aflac you said you mailed me a check on 7-16-14 and it has never been received. LIAR!! The BBB is worthless and I can't believe business owners pay you???

Regards,
******* *******

7/25/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had a cancer claim for my wife denied last year even though I was told by the representative who initially approached our company about the policy that it was ok to sign her up despite her currently undergoing chemotherapy. She would just have an initial 12 month waiting period before she would be eligible for benefits. I waited the 12 months and filed a claim but it was denied based upon it was pre-existing and not an initial diagnosis of cancer. This not only contradicts what my representative advised me but also is a direct contradiction to their own Pre-existing clause which states:A claim for benefits for loss starting after 12 months from the Effective DATE WILL NOT BE REDUCED OR DENIED on the grounds that it is caused by a Pre-Existing Condition. A critical illness will no longer be considered pre-existing at the end of 12 consecutive months starting and ending after the Effective Date. So after the 12 month waiting period, I filed a claim for her critical illness. Since it was after the 12 month waiting period then PER THEIR PRE-EXISTING CLAUSE, her cancer cannot be considered pre-existing and therefore cannot be denied. Thats not my opinion. Thats per AFLACS POLICY that she advised me to sign up for.My rep was not able to help me and I found her to be useless and not forthcoming. She mentioned that the problem had to do with the Re-Occurrence clause which cannot be considered relevant until after the First Occurrence or Pre-existing clause.Lets be clear. I have my health and life insurance license. Im quite familiar with selling insurance and clearly explaining benefits and exclusions. I did not have a conversation with ***** that said something to effect that she can sign up for the policy but her cancer would not be eligible for benefits since its pre-existing and ongoing but she would be eligible for ot

Desired Settlement: I expect Aflac to pay me all benefits in the policy since I fulfilled the terms and conditions of the policy before filing a claim. This would be a minimum of $10,000

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and address directly with the policyholder.

Thanks,

** ******

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to be reviewed and addressed directly with the insured.

Thanks,

** ******

Consumer Response: [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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

****** *****

7/25/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We filed a claim on the 26th of May 2014 to Aflac insurance after my husband was released from the hospital after having **** ***** surgery. To this date as of July 15th 2014 we have not received a check from this company. We keep getting request for paperwork which we have repeatedly sent in and the company keeps send us request for more paperwork. It seems to us that Aflac wants us to give up on our claim. We received another letter today stating that if all necessary documentation was sent in they would process the claim within 14 days. This is the third letter stating the same thing. This company has brought on undue stress to my husband and me. We have payed into the company and have tired of the constant run around. Their sales rep misrepresented the company when I was sold the policy and on their TV ads they state claims will be paid in 4 days, to us that is laughable. We will never recommend this company to anyone and even letting people know on social media what we have gone through.

Desired Settlement: PAY THE CLAIM !

Business Response:

Good afternoon,

We are in receipt of this complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i had accident insurance from aflac. i had a accident in november of 2013. as asesult i got an ********* ** *** **** ** ** ****. i was hospitalized in febuary 2014. i spent two months in the hospital getting i.v. antibiotics. i had 6 surgeries a partial aputation of my foot skin graft and numerous mris. and xrays after my release from hospital i was not able to walk for over two months the stress from caring for me and the rest of the family resulted in my wife having a miscarage. i have exausted my bank accounts i am supoting my family on disability unable to go back to work yet my bills have gone unpaid for months my credit score has gone from over 700 to around 500 and aflac keeps refusing to honor there responsablity and pay this claim.

Desired Settlement: i want my claim payed like it should have been months ago.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I WAS A MEMBER OF AFLAC FOR 3 YEARS WHEN I FINIALLY DECIDED TO FILE A CLAIM IN ORDER TO BE REFUNDED. ONE OF THE POLICIES I HAD WITH AFLAC WAS DENTAL AND I WOULD GET REFUNDED FOR THE PROCEDURES DONE AND PAID FOR AT MY DENTIS. THE PAPERWORK WAS HANDED TO MY DENTIST SO SHE CAN FILL OUT THE PROCEDURE CODES NEEDED. WITHOUT MY KNOWLEGE, SHE WENT AHEAD AND FILED THE CLAIM AND NOTED IT TO BE PAID OUT TO HER. I DID NOT AUTHORIZE THAT. WHEN RECEIVING A COPY OF THE CHECK SENT TO HER, I WENT AHEAD AND CALLED AFLAC EXPLAINING THE SITUIATION AND EXPECTING SOME KIND OF AN ANSWER OR HELP. I THEN CONTACTED MY REPRESENTATIVE **** *********. I WAS TOLD THAT THERE IS A LOOP IN THE CLAIM FORMS AND I FELL INTO IT. HE WAS THEN SUPPOSE TO CONTACT HIS MANAGER AFTER SEEING AND TOTALLY UNDERSTANDING WHERE I AM COMING FROM. I WAS TOLD I SHOULD HAVE RECEIVED THAT CHECK AND NOT MY DENTIST SINCE I DID NOT AUTHORIZE THAT. I WOULD TEXT AND CALL HIM AND GET NO REAL ANSWER OR PROGRESS REPORT. I THEN FAXED OVER THE LIST OF PROCEDURES THAT MY DENTIS FILED TO MY DENTAL INSURANCE SO I CAN GET REFUNDED FOR THOSE BESIDES THE 2013 ONES MY DENTIST PUT ON THE CLAIM. THAT SHOULD TAKE 7 TO 10 DAYS FOR ME TO RECEIVE AND STILL HAVE NOT SEEN THAT. THIS ALL HAS BEEN GOING ON FOR AT LEAST 3 MONTHS. I AM VERY DISAPOINTED AND DISCUSTED. I CALNCELLED MY MEMBERSHIP WITH THEM.

Desired Settlement: I DESERVE TO BE PAID FOR THE CLAIM MY DENTIST FILLED WITHOUT ME AUTHORIZING AND AFLAC NOT MAKING SURE I OKAYED THAT. AND FOR THE CLAIM I FILLED FOR THE REST OF THE PROCEDURES DONE BESIDES THE ONE SHE FILLED FOR. I WAS PAYING FOR MY MEMBERSHIP EVERY SINGLE WEEK. I DESERVE WHAT I AM DUE.

Business Response:

Good morning,

We are in receipt of this complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In October of 2013 I was notified by AFLAC that my existing life policy in the amount of $50,000 was going to terminate on December 1, 2013 because I had not notified them in 2008 at age 65 that I would be converting my policy when I reached 70. That was it! No other options offered of any kind. On January 10, 2014 I received a letter from AFLAC stating "We have been notified that you have applied for coverage at another company to replace your Aflac Life policy listed above" ********. We encourage you to compare the two policies" Your policy is currently active and will remain active as long as renewal premiums are paid. I made the payment on 1/27/14 and have continued to make the payments. I received a letter dated March 12, 2014 I received a letter stating they were enclosing a check in the amount of $259. for overpayment on my AFLAC account ****** I contacted AFLAC spoke with a representative who looked up my account. The $259.00 divided by two represented 2 payments of $129.50 on my life policy. She assured my the payments were applied to my policy. She asked me to destroy the refund check and the matter I thought was resolved. On May 7, 2014 I received another letter stating my policy was terminated but could be reinstated using the three payment choices available to me. Also enclosed was another check for $259. I contacted AFLAC AGAIN. I explained my payments were current. If they check my account they would see all of my existing policies were current, why would I not pay my life policy. I have been attempting to resolve the matter with AFLAC but they insist they can not activate the policy which contradicts the two letters I received. I have been lead to believe that my life policy was active while we were trying to resolve this issue by ******** **** of AFLAC. I have made multiple calls and have been handed off multiple times. Today I contacted AFLAC and was told by ***** ******** who explained the issue had be accelerated and they refuse to change.

Desired Settlement: I simply want my life policy to be active, have them honor the offers made in their correspondence and put it in writing so that I can have the peace of mind that my family will benefit by a policy I've paid for over 10 years. On a side note, I still have both the refund checks issued which have not been cashed.

Business Response:

Good morning,

We are in receipt of this complaint.  Due to privacy guidelines, we have forwarded to the appropriate department to be addressed directly with the policyholder.

Thanks,

** ******

7/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My husband purchased a policy with Aflac for disability. My husband was injured as a result of a fluke accident, (playing softball his ******** ****** ********** with NO prior condition that would've led to this injury. It was simply a fluke. We were as surprised and devastated as anyone. He hasn't been able to work. He has had and is still enduring such a tough road physically. He may not ever gain the ability to walk normally again. We are hoping he'll be able to return to work. Certainly he should be able to at some point, but it will be a very long road. Regardless, we have complied with Aflac requests since the beginning in getting them the proper documentation to follow through with their claim. We've spoken with countless representatives who claim someone will call us back with answers. We've requested to speak with an auditor countless times and told they too would call us, we have NEVER received a call from one. We reached out to the sales person who sold us the policy and even THEY couldn't get an auditor to call us back by the time promised which is always "end of day." We were told in the beginning we couldnt speak with auditors and after weeks of pushing was able to at LEAST get a name and be put through to a voicemail. In the beginning they claimed "all we had to do" was fill out certain forms. It was "that easy." We submitted the forms. They then requested more information. We supplied that. We then were told he had prior surgeries on his ******** ******. Two in fact is what they claim. He has NEVER had prior injuries, conditions, or surgeries to his ******** ******. Once they admitted that mistake, they asked for more information for which we supplied. They have now requested MORE! Each time it has been broken promises from them yet more demands to simply get them to follow through with the very service they sold to us to begin with! They've sent us letters claiming inaccurate claims including the claim we haven't provided information their own reps told us they received.

Desired Settlement: Pay our claim. Its that simple. Follow through with YOUR promise as you sold it to us.

Business Response:

Good morning,

We are in receipt of the attached complaint. Due to privacy guidelines, we will respond directly to the customer.

 

Thank you,

*******

7/22/2014 Problems with Product/Service
7/17/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: We are located in ****** *** We were told by the Mpls BBB to file the complaint in the home city of Aflac Corporate offices. I own a company in ****** *** The Aflac sales representatives come to our office numerous times a month to solicit business after they have been told for years we are not interested. They still ignore our privacy and no solicitation signs and send in a new rep each time. ****** ** has some of the strictest no solicitation laws in the US that allows us to have them arrested for solicitation. They tell there reps the laws do not apply to them but they do as they are soliciting a product. I have spoken to numerous supervisors and they all promise they will leave us alone but they don't. I will contact the ****** police on the next rep that walks through my door and they can let the courts sort it out. If you do not have a permit in ****** to solicit, you will go to jail immediately. It would appear they have no regard for the privacy of private companies or the welfare of there sales reps who they send out. It would also appear they have a constant turn over of employees as each time it is someone new. Its unfortunate that a young sales rep fresh out of college trying to make a living will end up in jail due to the sales tactics of the company they work for.

Desired Settlement: Stop coming to our place of business for ever. Were not interested. I will never ever buy anything from them so they can stop wasting there time and mine.

Business Response:

Good morning,

We are in receipt of these concerns and have forwarded them to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Until I get something in writing that they have addressed this issue with the MN sales office, I won't consider it resolved.  I have received a voice mail from the MN sales director who said he  will address it.  I want something in writing for my files in the event of future issues.

 

Thank you.

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I've had nothing but difficulty processing my claim with Aflac. Tried contacting my representative (******* *********) 3 TIMES and left messages over the course of 3 WEEKS and still have not received a call back. Unable to access online claims and I'm told it's because I have an Apple computer. They are a major corporation, why is their system not compatible with Apple? After finally reaching a regional supervisor she was confused why I was told by the corporate representatives that they aren't compatible with Apple because one of their offices are run on Apple. I was told I would have the claims mailed to me since I can not access online and they sent my policy information instead. When I called back again after receiving the wrong packet, I was then told the forms could be emailed to me. WHY WERE THEY NOT EMAILED TO ME IN THE FIRST PLACE TO MOVE THIS PROCESS ALONG??? I've now been out of work for 3 weeks and have just begun to process my claims. They advertise claims get processed in 4 days. I'm EXTREMELY disappointed in the service. I've finally spoken to the regional supervisor for my representative and I'm still having difficulty. The website is not allowing me to process my claim and the (800) AFLAC representatives told me to contact my personal representative for more help in moving the claim along. I WOULD DO THAT IF HE OR ANYONE ELSE WOULD ANSWER THIER PHONE OR RETURN ANY PHONE CALLS!! The State of NJ has processed my temporary disability faster then their private corporation that I pay monthly. Unacceptable. Further research has shown me that I am not alone in these problems. Consumeraffairs.com has a long list of other disgruntled clients.

Desired Settlement: I would like someone higher up in the company to contact me and move this along. I would also like a new representative that can actually handle claims. When speaking to the regional supervisor she agreed that it was unacceptable but that was 4 days ago and I still haven't reached a resolution. I've tried uploading online and their website isn't working. I'm on disability and unable to leave my house to go fax information. They won't accept emails! When they advertise the ease of processing claims, that is what I expected. I feel like I've been taken advantage of and no one in their company seems to care or want to resolve.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response: [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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for Alfac short term disability in Aug 2013. I was told that if I got hurt on or off the job this would help pay the bills. that when i sumint a claim it should take 7 working day to get payed. I was injured on the job on Dec 13,2013 the doctor took me off work for 30 days. i file my claim on Dec 15, 2013. my actually claim paper work did not get file to her office until april 15, 2014. the first paper work they needed was the employer statement. then they wanted the doctors medical record. the claim was denied due to they could not get medical records.after many many called and faxes of the same paper work over and over again the claim was denied again due to it does not pay if you hurt on the job. when I called them to find out why when there was a rider policy included which pays for injury on the job they said I m so sorry for that mixed up i will get this over to the auditor I have repeatedly told them that if any paper work they need to please call me and I can get it for them,no call back as been return. I want what is owe to me and not what they want to pay me.

Desired Settlement: would like them to resolve this quickly and pay what is owed to me no more no less.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been a member in the Aflac Hospitalization policy for a few years now. At first putting in a claim was easy and I would get my payment in a few weeks. Now I have been fighting to get my claim settled since June 14, 2013. Yes of last year. I sent in my paperwork once, twice and third time and even sent it to my agent **** ******. I have been trying to get my money because I had surgery on my **** ***** last June 14, 2013. My Agent kept telling me I needed more paperwork and more paperwork that I called ****** ******* center so many times we were on a first name basis. She even told me I was getting the run around and she had sent everything they should have needed as she had dealt with Aflac before. So my agent **** ****** said he would stop by my house and pick up again what I had and make sure it was rushed through because of the long wait. Well he took my papers and that was the last I heard of him. I called the corporate office of Aflac and after months and months they finally said I needed to write something in writing about what happened to me and that **** ****** would not mail or give me my paper work back. So I did I faxed it over to the corporate office and said I thought they should contact Mr. **** ****** and get my paperwork. What company makes you wait a whole year and go through a living nightmare just to get what is rightfully mine. Beware of Aflac it is not what they say they will do for you. *** *****

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like them to get in touch with **** ****** get my paper work, settle my claim and send me my money then make sure Mr. ****** doesn't do this to anyone else ever again. I will not be renewing with Aflac again this is not a reputable company to deal with. Beware Aflac members.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

 I have not received any money for a claim that was opened over a year ago from Aflac.  The agent took my papers and will not give them back.

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

7/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am a sick customer suffering from terminal illness. My certificate number is xxxxx****. I filed my claim about a month ago for two separate hospital stays 04/19/14-04/26/14 and 04/28/14-05/02/14 at ** ****** Hospital(SSH)and ****** ****** Hospital(BJH)respectively according to my policy's benefit schedule of payments. AFLAC GROUP refuse to pay me my full amount as outlined in the benefit schedule. To date, I have received partial payments for my hospital stay at BJH. AFLAC is now trying after a month and a representative admitting that the *** hospital information was overlooked (thought it was SSM) and an rep. *** finding the information and forward it to escalations, now saying the illness is the same. AFLAC has supporting documentation verifying my hospital stay and my operative report verifying a different surgery. I have called several times (at least five I have the tracking number of most calls) often receiving different representatives and various messages. However, one message rings true. It appears that AFLAC is aware that they are not paying sick customers the total amount of their claims and dare us to appeal the decision is the verbiage most representative have conveyed to me.I was also told that there is no complaint procedure when clams have been processed in error. Who is governing this large company?

Desired Settlement: DesiredSettlementID: Other (requires explanation) I am requesting the total amount due as outlined in my schedule of benefits.Design a procedure for complaints or when claims are in error outside of appeals. Develop a form that goes out with the denial letter.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

7/10/2014 Problems with Product/Service | Complaint Details Unavailable
7/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: We have been harassed at work by AFLAC for years!We have asked to be removed from their calling list dozens of times to no avail.We are also on a do not call list but they persist.Their representatives refuse to honor our requests and continue to disrupt our business with obnoxious calls.

Desired Settlement: We want them to stop their harassing telephone calls.

Business Response:

Good morning,

We are in receipt of this BBB complaint and have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

7/2/2014 Problems with Product/Service
7/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been trying for over 2 months to cash in an insurance policy that I have with Aflac. After several attempts I finally received the paperwork to get the money and sent it back in. Now, I cannot get them to send me the money that is owed to me. Everytime I call I get a different excuse. From the date it was mailed to when it was processed. I have been looking for a check since the first of June.

Desired Settlement: I just want the money that is owed to me from Aflac.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

7/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had a short term disability policy with Aflac insurance company dated back since 2008. There was an medical incident where I could not work at all due to the ********* ***** ********* and ********** ******* that I was diagnosed with back in 2012. I've provided Extensive detailed Medical documents that two different Doctors confirming everything. Medical codes: ********* ***** ******** ( **** *****) ******** (**** ******). My claim was denied and I need some one to Help Me Please!!!!!!!! This issue has existent for the last two and a half years. Please Can Some One Help, Please.

Desired Settlement: I just want for Aflac to compensate me for the amount of finances that are owed to me based on policy pay out for short term disability which premiums were paid for. That's all I ask for.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

6/30/2014 Billing/Collection Issues | Complaint Details Unavailable
6/27/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: over the last year i have been called 774 times by Aflac after my wife and I have informed them to remove my name from their call list.I will never recommend or use Aflac due to their harrassing phone calls!

Desired Settlement: NEVER CALL ME AGAIN!

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

6/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am enrolled in an accident policy and I pay for it. I broke my arm in April of 2013 and the agents are telling me I wasn't covered. Every time I call I get a different agent telling me different things. I began working with ********, but when I call back, the reps either say there is no such person, or they will send her a message. I do not believe she is getting the messages, because she never calls back. Because I have no policy information, I do not know what is covered, how to file a claim or anything. I printed one from my computer and filled it out, but apparently that was the wrong one. I didn't know that because NO ONE ever contacts me regarding my claim. I have sent in doctors notes and surgical records, but after waiting almost a month to hear from Aflac, I called and was told they couldn't read them and to re-send them. Why didn't anyone let me know that?? Then I called to check the status of that and the notes were filed in the wrong claim. Then I called back and was told I needed to send in a letter better explaining the claim. Then I called back and was told I needed the doctor to write on a piece of paper that it was an accident. Then I called back and was told I wrote Jan 11, and the examiner thought I meant 2011. I am doing all the calling. I haven't received anything from Aflac. Recently I was told I needed to appeal the decision. Why? That takes 45 MORE days!!! This could have been resolved if one person would work on my claim and maybe called me if there was an issue.

Desired Settlement: I would like to be paid for this claim that I had coverage for. It was given a claim number over the phone. I have nothing in writing. CL# *********. It shouldn't take 14 months.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

 I have received a letter from Aflac regarding my BBB complaint.  

I disagree with much of it as being untrue; but regarding the claim, The fourth paragraph of the repsonse states my doctor stated I had no new injuries. The fifth paragraph states this same doctor  "noted an aggravation of my right arm by pushing a door, but no diagnosis of a new or seperate injury".  

Pushing a door  that said pull caused immediate pain to my arm, and I immediately sought medical attention. This would be an "accident".  A new event, new injury, new diagnosis, because the "aggravation" caused new pain.

I was unaware that I needed to chose appropriate wordage to my doctor, and to have him specifically use the word "accident" to have my claim covered. The doctor was not present at the time of the injury, and cannot confirm nor deny it was an actual "accident".  And in my opinion,  telling the doctor what to say seems to boarder on insurance fraud, and I am not interested in that.

I did not go to the doctor with the intention of filing a claim, so semantics was not a priority.  This "aggravation" caused a surgical necessity, to include a plate, 14 screws and a cadaver bone.  

Please supply the name of your orthopedic doctor/surgeon, so that I may discuss my claim with him/her and have the two doctors discuss my claim for approval.

 

I do not know of an "incident" on 9/26/13 that they refer to.

They requested medical documentation for clarification, however that has been sent.  Unfortunately, there are other claims tied into mine, and I have been told my information gets placed in the wrong files.

 

Please continue to keep this report open, as I would like to receive a reply from Aflac.

Thank youi

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

 

Business Response:

Good morning,

We have forwarded your concerns to the appropriate department to be reviewed and addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

 

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

 I have received a letter in the mail.  It is quite confusing.  I don't know where the claims department is getting their dates of injury from.  I do not recall an injury in 2005, 2011, nor 9/23/2013.  

 Your response letter states my doctor said I had no recent injuries; then refers to the doctor's note which says "new aggravation due to pushing on a door in April of 2013" .   That would be "new" and an "accident" exactly what the policy I purchased was intended for.

Then the letter claims my policy terminated 4/01/13; however, at that time it was ported from group plan to single pay, and I have the receipts to prove that.

So please pay for my loss, as I have done everything my policy stated I need to do.

 

Thank you

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

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

 This is a form letter that I have received several times.  I would like to speak with ONE PERSON to resolve this claim.  Aflac is now denying the wrong claim.  This is a mess. There are too many people working on this claim and it is getting messed up even more every day.  The most recent denial letter I receieved states I had no coverage on the date of injury.  That is false.  I do not have a claim number- Aflac has more than 3, I am making only 1 claim. This experience is causing me undue stress and I have already had a heart attack over it.   It is driving me into severe depression.   Please have someone with authority call me so we can get this resolved.  It has been 14 months.

Thank you.  ******* ******* 

 

6/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My wife and I were planning on having a third child, so we attempted to purchase a policy that would supplement her income during her maternity leave. We met with **** ***** and specifically told him that we wanted to purchase insurance because we were planning on having a third child. He explained to us that we would have to wait at least one year before we could claim those benefits. Now AFLAC is claiming that our policy does not cover these benefits. We have paid our policy for over two years and now that we are trying to initiate a claim we are told we dont have coverage.

Desired Settlement: We would like to receive the benefits that we asked for and thought we were paying for. The AFLAC representative told my wife, Its too bad theres nothing you can do now because he doesnt work for AFLAC anymore. If it is not possible for us to receive compensation for the policy we requested to purchase we would like a full refund since we have never exercised our right to file a claim on these policies. Furthermore I feel that AFLAC should be held accountable for any person representing them while conducting business, I am appalled by their lack of professionalism.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

6/20/2014 Problems with Product/Service | Complaint Details Unavailable
6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I submitted a claim last year, I submitted all necessary information from ********* Hospitals medical records department. And they still refused my claim, saying they needed more information. What more is it they need? Aflac was deducting monies from my account weekly, when I submit my claim they don't want to pay out. And I am appalled! There trying to find negligence within my claim. There asking for toxicology and drug records, which are not relevant. My son was stabbed, and my accident policy is supposed to pay me! Disgruntled Customer

Desired Settlement: I want my claim processed and I want what I'm due my money!

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good morning,

We have forwarded these concerns to the appropriate department to be reviewed and addressed.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

****** *****


 

 

6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have purchased a short term disability policy and an accident policy back in2013. I was involved in a motor vehicle accident in March of this year with my policy has been in effect for over a year. They have made it impossible to get any sort of payouts on the policies and that every time I call and ask I hear a whole different list of things they need. I have had the physician fill out the statements and requested a copy of the police report as well for them but the ****** state police have been unable to locate the report. I am a mother of 3 girls in college and have no other source of income and could really use the money I have paid out for these policies. if they are going to continue to give me the run around Even after I submitted all of the reports, doctor forms and dmv reports as well as the police report of a motor vehicle incident that they should pay out or return all the money I have paid out to them for the past year( which would be much more than what they would have to pay out for my disability). Because of all the stress of worrying about finances and the endless phone calls and faxing reports to them I have been having increased anxiety as well as high blood pressure secondary from stress. This company makes it sound so easy to file claims and that they payout fast but this is not the case at all. I am not sure if there is anything that you will be able to do but I would like to know if they have done this to others as well. I could surely use a break as my bills have been adding up and I have not yet returned to work, but at this rate I am going to be back to work before I see anything from aflac. I would surely appreciate if you could look into this unfortunate situation Nd would greatly appreciate your help in getting me the money I have paid into them for the accident and short term claims.

Desired Settlement: I have been paying I to aflac for over a year now for myself and my children. I was in a MVA and have been unable to work. I have filled out all of the forms, police reports, doctor forms and others .I have been very patient and have done all of my part and they continually find other reasons to not pay. I Would like to see either my polices to pay me what is owed or have them reimburse me for all the year and a half I paid in to them. It has caused me a lot more unnecessary stress

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to address.

Thank you,

** ******

6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Working on a case now for two months and went to **** ***** District Manager, still no help with getting my claims resolved since March. They have release of records from ******** Regional Hospital. I was in an accident and the office did not write up a report, but exchange of information and went to the police station and only a dispatch notice and this claim is with injuries Product_Or_Service: insurance

Desired Settlement: DesiredSettlementID: Refund I need this settled

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

6/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC is not honoring the policy I have with them. It has been in review for more than 10 weeks now. My doctor and I have sent in every type of document requested. All of them have been basically the same just worded differently. Policy was in affect on 01/04/14Claim was filed thirty days later. 02/04/14 . Even if they say there was a thirty day waiting period this is past that date. My doctor has sent in documentation stating that any proir injury back to the year 2012 has nothing to do with this injury. This included 2013 to date of injury.

Desired Settlement: Honoring of policy, pay the policy, all of the negitiveity now listed on my credit report be removed and or AFLAC taking responsibility for the reports. Compensation for the physical pain and mental anguish during this period, plus all interest and penalties acquired.

Business Response:

Good afternoon,

We are in reciept of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


Again AFLAC puts things off to another review. My CLAIM has been in review for over 10 weeks now. Just how much longer is this going to TAKE. I have had no income since the injury on Feb. 4,2014.

My policy I've paid for should have been giving me some type of income. AFLAC will be the first to take your money but to pay on your claim they use every tactic to delay payments. My credit rating is now sufferinng because I can't even make a good faith payment to any of my creditors. This is why I paid for this policy, to keep from distroying my credit and to keep things going forward, not in a downward spiral.

 

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


I have called them several times. If not daily then on some days several times through the day. I have gotten the same response each time, that a manager has been asigned to review the claim, and there is no change in the status. My doctor has sent in documentation stating that NO PRIOR INJURY has anything to do with this injury. How much more BLACK and WHITE can it be ? My policy went into effect January 4,2014. I had called in December of 2013 to set up the policies and for the automated drafts be taken out on the 3rd to the 5th of every month. I don't believe their is a 30 day grace period on the accidental policy. Even if there was January has 31 days, count the days from Jan. 4, 2014 to Feb. 4, 2014 the date of the accident. It's 31 days. Which is past the 30 day period if there is such a clause. I don't believe there is in this policy. One or 2 of the other policies I have with them do have a waiting period. Like the Cancer Policy for example. My Doctor says they have delt with AFLAC several times before and in most cases there weren't any problems but have never inquiored this type of delay. Please make this public in every way posible so that potiential customers can read about the possibility of problems such as this if they so choose to purchase a policy from AFLAC.  AFLAC has put me into a situation that I specifically bought the policy to avoid. I haven't paid my rent for 4 months now, bills are piling up, utilities are being shut off, delinquent payment reports are now being filed on my credit reports and I'm now having to figure out how I'm going to move, but I can't I don't have any money to find a new place or to rent a moving truck to even move into a family members home until I have my **** *********** surgery, them the rehab sessions and am able to return to work. Please help me I don't know what I can do at this point. I'm to be homeless soon.

 

6/5/2014 Problems with Product/Service | Complaint Details Unavailable
5/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: wheen i signed up with agent at work she said my policy would go in effect on an.1 2014 an i went in hosiptal around the 23th of jan .filed my papers to collect insurace an they denied me said my policy went in effect.on feb not an. so they refused to pay me an i was scammed by them when agent told me it went in effect jan 1 at the time i signed paperwork then aflac changed it after i filed paperwork to feb .i thank they should pay me not scam me out of my money

Desired Settlement: pay me what they legaly own me an tell there agents to quit lieing to get people to sign up with them

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** *******


 

 just recieved letter in mail from aflac .was not happy with what was said an yes in letters  on nov.18 20133 an jan.25 2014 .was right but when i signed up at ****** thru ur agent .she informed me it went in effected on janary 1 2014 not feb 1 2014 .the agent lied to get me to sign up an she even told me if i cancelled to calll her so she would nt get in trouble with aflac when i called her to get her to file paperwork an i had to file them on my ow an the customer resource person i talkedto on phone said it went in effect on jan.1 an it would pay an told mee how much an mailed me forms to file with.i have already cancelled my policies what is a reason to pay insurance that dont pay

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

5/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I obtained a policy from Aflac in 2010 and just discovered in February of this year that I had a duplicate policy. I was told I would be getting a refund for the duplicate policy I have paid on for 3 1/2 years. I have contacted them numerous times and all I get is please allow more time. They have already terminated the extra policy but I still have payroll deductions for both policies and I want a refund. It can not be that hard; the policy is terminated so just stop the extra payroll deductions and issue a refund check.

Desired Settlement: I want a refund check in the mail immediately and I want payroll deduction for only one policy.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *****


 

The only thing that their response said was that they are in receipt of the complaint and it has been forwarded to the correct department to address the problem. There is no resolution in this response at all. As stated in the complaint I refiled I did receive a check in the amount of 1630.20 on or about April 29; however this policy went into effect on 9/2010 which means on 4/15/2014 (the date of the refund) I had made 44 payments at $42.90 per month for a total of $1887.60. I thought they would stop payroll deduction and they did not so I have now had another payment taken out of my check in the amount of 42.90 on my May payroll check. That leaves a total of $300.30 that they still owe me.

Business Response: Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Business Response:

Good morning,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  Forur reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *****


 

 There  is still no resolution offered 

5/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a complaint with Aflac Group Insurance. They gave me the run around on a claim that I was trying to have paid out. I had to repeatedly fax over documentation to them to substantiate a **** *** ****. They never tell you whether or not you have all the correct information, they just deny the claim after waiting for over a week. You go back and forth with them continuously sending them paperwork so they can pay you your benefit amount. Then when they cut my check, they had the nerve to pay me off of the wrong benefit schedule. They sent me a check for more than less than 1/2 of what I was entitled to. I had to bring it to their attention that they were wrong and now they are looking into it, but yet I have to wait again to be paid out on my benefit. Not to mention, they are trying to rip me off because I submitted documentation stating that my husband had been admitted to the hospital for an overnight stay and they want to pay me the cheaper benefit payout because it benefits them. They are trying to tell me that I get the confinement benefit instead of the Admission benefit because although he was admitted to the hospital and stayed over 24hours, he was only there for 24 hours. Nowhere in my certificate does it state that this is a stipulation and truth be told I should be paid out on both the confinement and the admission because I had to do their jobs and go through my policy with a fine tooth comb and figure out whether or not they were actually ripping me off or just avoiding paying me and it appears that they were trying to avoid paying me. They keep asking for more and more documentation to substantiate there justification for not paying me, but I am not stupid. I know what my rights are and what I am entitled to. I hope that you will help me to find justice in this situation, I am thoroughly disgusted and disappointed in this company and they should not be allowed to get away with this kind of deceitfulness and trickery. Product_Or_Service: Accident Insurance Account_Number: Policy # **********

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want to be paid out on the correct benefit amount for the Admission rate and have them waive the 1st year rider due to all of my aggravation. they should reprocess my claim due to their error in processing of the intial benefit schedule and making me wait. They aren't claiming any responsibility or ownership for their actions.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

5/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for the temporaray disability insurance. I was told there wasn't a pre eslxsisting condition clause. I went out of work with an injury in January and returned to work at the end of February. When I called the lady who I signed up with and she stated she was working on the claim and was allowing her boss to try and get me paid but couldn't make any promises. I never received any calls from her and never got paid.I feel I was lied to just to get sign up. When I called the corporate headquarters I was told of the pre exsisting condition clause and that there was nothing I could do. I was out of work nearly 2 months without pay. I also visited the doctors office and was told mybthe lady I signed up with to contact her with all the claims and ahe would process them which would be faster and could never get ahold of her.

Desired Settlement: I would like to be compensated for the time I was off work and or refunded for every month I paid for service and never received any services.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

5/16/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: false Advertising, misleading information to get contract signed.On 2/20/14 I met with ***** ******* phone number ###-###-#### about short term disability, after I was given all the information I decided not to go with Aflac because she told me the price which I thought was too high. she then told me I would be covered from day one and the only thing I would not be covered for was if I was already pregnant, once I told her no I was not she said well you have nothing to worry about you will be fine. In the meeting was another co-worker who witnessed the whole conversation (****** *****). Upon signing the contract which was not on paper, I was told to put my initials, which was to state I was not pregnant already and that will be the only thing I will not be covered for. Now in April I put in a claim form for payments due to an unexpected illness, I was denied because the illness was in the first 30 days. The illness was 3/6/14 and my surgery was 4/21/14 and I will be out of work for 4 weeks, I called the office of ***** ****** and was advised it was nothing that could be done the only thing ***** kept doing was trying to make me keep the policy and didnt care about what was going on now. I told her I was going to the BBB to report that the rep was opening policies under false and misleading information, and she said ok.

Desired Settlement: I would like this matter resolved by aflac paying me for my claim that was placed.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

5/12/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have called numerous customer service agents and supervisors since February when I filed the claim. I signed off on a premium full refund release form and have seen no action. Everytime I call, I am told that the release form is in the right place than to find out nothing has happen. I have spoken with a * *********, ** ********** and a ** **** and none of them gave me true and credible information. They would say it is in the wrong place and they forwarded to the right place. However, each time I call back, I find out it is in the same place. However they can process a deny on other claims, but have yet to handle my refund of my premium release form which I have mailed and even e-mail to the addresses they have provided me. This is the most not credible insurance company on information that I have ever heard from and my frustration has reached the roof.

Desired Settlement: I just want the release of all my premiums refunded back as agreed by the sign contract that I have done. I believe all this inconvenience should be more than enough for them to speedily send back my refund.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded to the appropriate department to be addressed.

Thanks,
** ******

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.  I am bothered that they only sent my money back but without any interest for having it sit around.

Regards,

***** *****


 

 

5/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: After having the plan for about 16 months I had to file a claim due to an accident under my accident policy and it was not handled for a few weeks, so I called and was told to talk to my agent which told me it would be handled asap. A few days later when talking to the agent I was told that nothing had been done, so I asked to cancel and was told that he would rather expedite the claim so that he could "take care" of me. Around a month later I received a call that the claim had been filed with the corp. office and I should hear something in a few days from them and did not hear anything until I called them a week later to find out that they couldn't help me and when I asked to cancel my plan was told I could not do so nor get a refund because I had tried to cancel two months earlier.

Desired Settlement: I would like to take the correct necessary actions to cancel the contract and pay if necessary to do so, also I would like to be refunded from the date I first contacted them about my accident on Feb 26, 2014 which I started being run around by their company.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

5/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I canceled my insurance policy within the 30 trial period and requested a refund exactly like I was told to. The policy stated I would receive back ANY premiums paid. The won't tell me why I haven't received it. They just keep sending me bills. This is going on three months.

Desired Settlement: All my premiums paid back according to their policy.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

***** ******


 

 

4/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have tried to contact our AFLAC representative at both of his e-mail addresses and received no response, yet he sent out a mass mailing on behalf of his son who was selling baseball tickets. I telephoned and FAXd info to AFLAC the week of 4/1 and week of 4/7, asking both times to be contacted by end of that business week. I didn't receive calls either time. Product_Or_Service: Stopped reimbursement check Account_Number: ********

Desired Settlement: DesiredSettlementID: No settlement requested - for I've asked for a response as to why a check they sent to me ($60) that I cashed was stopped, making my bank account overdrawn. If I'm not due that $60, why didn't they contact me?

Business Response:

Good morning,

We are in receipt of your concerns and have forwarded to the appropriate department to be addressed.

Thanks,

** ******

4/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have had Alac coverage for 2 years. I recently had a baby and had a hospital stay. Aflac is denying my claim saying that is was a preexisting condition. As I stated I have had coverage for 2 years so I was covered a year prior to getting pregnant. If they would look at their records they would see this. They have no ground to deny the claim. I wonder how many other clients they have done this to.

Desired Settlement: Pay my claim.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

4/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been an AFLAC accident policy holder for several years now. I have family group coverage and back in January my wife received a **** ***********n by a chiropractor and had a ********* ****** ********** ****). My wife was being seen by the chiropractor for pulled muscles causing a headache. The *** was described by the ER doctor and family doctor to be an accident caused by mild trauma causing a *** and ultimately a stroke, and should be considered an accident and not a medical illness. I understand that my accident policy does not cover sickness or illness, but a *** is a physical injury accident and Aflac denied my claim stating my policy does not cover strokes. The ER medical report indicated my ******* *******'s final diagnosis was a ***. Aflac has been sent all the doctors note that stated the above and I believe they just don't want to pay on my policy because they aren't sure what a *** is or how it could be an accident. My wife was seen by the chiropractor on January 8th and then again on the 10th she was hospitalized on the 11th of January. Aflac is denying my claim stating my wife wasnt seen within 72 hours at a hospital from the time of the accident. The doctors believe she had the *** on the 10th due to the sudden loss of vision, vertigo, nausea, and vomiting.

Desired Settlement: Having Aflac Pay on policy as outlined in my policy, with out any further delays.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

4/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC DOES NOT LIVE UP TO THEIR HYPE!!! Put in a claim for Short Term Disability on 4/9/14 and received confirmation that it was received and am still waiting for payment or updates on the status!! Have tried to call to speak with them for TWO DAYS now, but yesterday they COMPLETELY CLOSED their Customer Service for HALF the day for a meeting and are now closed entirely today for Good Friday! This from the company who's big ad campaign right now is all about how fast people receive payment for their claims!! They are putting my health and my family's well-being at risk by their actions with my claim. Their payment is my only source of income because I can't work due to my illness and I have nothing until they live up to their end of my policy and pay out my claim! I say extremely poor customer service and one VERY UNHAPPY CUSTOMER!!

Desired Settlement: Want the status of my claim and my payment ASAP! Also,want my payment sent overnight, at their expense, so that I can take care of my health needs and my family's household needs.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

I finally made contact with the customer service for their claims department and they expedited the review (which still had not even been started) and finally paid out my claim yesterday. I'm now waiting for the check to arrive.

Regards,

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


 

 

4/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been receiving 2-3 calls per day from local AFLAC offices regarding "employment opportunities". They make it clear that they have found my information on a job board but I work in an unrelated industry and have asked to no longer be contacted by the company -- that was four weeks ago! Today I received another call from ***** ******** (###-###-####) claiming that her manager asked her to contact me for an interview - never gave her name, company name, position, etc until I demanded the information.These calls are unsolicited and have quickly moved from annoying to harassment. I have filed numerous complaints with the job boards requesting that they no longer allow AFLAC agents access to our personal and private information as I feel violated.

Desired Settlement: A phone call to ensure that I will NO LONGER be contacted by any AFLAC office or agents.

Business Response:

Dear Ms. *********:

We received the attached complaint.

If a candidate is posting a resume on a free database, such as Career Builder or Monster, then they also agree to their terms which state that their information will be available to employers for contact.

Thank you for providing us the opportunity to address their concerns.

Sincerely,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ****


 

 I left a message at AFLAC Headquarters yesterday in the legal department with no response....yet here again today, I have received two calls and one email for AFLAC representatives.

Business Response:

Dear Ms. *********:

We received the attached complaint.

If a candidate is posting a resume on a free database, such as Career Builder or Monster, then they also agree to their terms which state that their information will be available to employers for contact.

Thank you for providing us the opportunity to address their concerns.

Sincerely,

** ******

4/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up with Colonial insurance company and canceled my Policy with Aflac by written notice on 9/28/2013 and requested a refund of my premium dated 9/23 which was not due until 1 Oct 2013. They neglected to cancel a part of the policy and persisted in billing for it. I sent back the bill with a copy of the cancel letter. Aflac persisted in billing instead of canceling and I responded by re-sending the cancel notice 2 more times plus another letter my wife wrote expressing our frustration. The billing stopped after that but, no official notice was sent confirming the complete cancellation and no refund. From there we got monthly letters to stay with them. My wife wrote another letter 27 Feb 2014 requesting the refund be sent. The response Arrived 4 April 2014. No refund just refund rules which are invalid form letter excuses for no refund. For example it was demanding refund request on business letterhead for insurance I didn't run through the business it was all done by personal check never by payroll deduction. They demanded that the request include employee payroll deduction info that doesn't apply or no refund because of a claim or a credit (that doesn't exist). If they intended to send a refund it would have been here long ago. Here it is April and the refund request was sent in September plus multiple reminders. The service and integrity of this company did not look bad until we cancelled and then we saw a very different side. It has nothing but grief and frustration from this company over something so straight forward and it appears to be an attempt to make the refund such a pain it is not worth it. They underestimate the cost to their business. I would never go back or refer friends based on how we have been treated here. This is underhanded and uncalled for treatment. Obviously money is number one and how they get it is a lower priority.

Desired Settlement: Prompt refund of $89.76 with no more excuses. Apology for the poor service.A dinner for two gift card to Olive Garden restaurant for $30 (or cash) for putting up with this for 6 months ($5/mo) and for our time and postage dealing with something that should not have happened.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

4/16/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i made a claim may 5 2013 iwas given 3 differnt agents within several months niether agent filed my claim i was told they no longer with this company i faxed the needed paper twice to the agent i was told to fax for the third time i said to forget the claim i wanted my aflac cancelled i was told the matter would be handeld for months i called with no responce i have phone logs of many calls i have a list of names of people who said they were helping me still not getting anywhere in jan **** ***** came to my work i told him i wanted to cancel my aflac because i got no where with my claim i was very dissatisfied with aflac **** said oh no dont cancel i will personally take care of this matter so he pulled up the claim on his lap top and said oh i can take care of this right away he said he would call me at my job he never did i called him he told me he would fax me some paper work to fill out and sign my humane resourse worker faxed them back the same day 2 weeks no responce kept calling i talked to over a dosen people asking them to cancel my aflac still no responce i call bbb 3 days later i get a call saying we will send you a claim check then finally **** ***** calls me after 2 months of failing totells me he sent me a check which i still havent recieved and told me good luck with my bbb claim they are still taking it out of my check every week i feel you have took advantage of me you have took money i have asked you not to your agents have called my job given information to humane resource worker my bussiness should be private the agent changed dates on paper work to cover his tracks all iever wanted was my aflac canceldsince last year when my claim wasent handeld properlly in may i was client of aflac and it took the bbb to get your attention if i am not reimbursed my money from may 2013 i will be contacting my attorney and will take further action i will post the bbb information at my work place

Desired Settlement: i would like all my payments of $15.54every week since may 8 2013and I WANT MY AFLAC CANCELD

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to address.

Thanks,

** ******

4/16/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been an AFLAC client for a number of years. Recently I filed an accident/disability claim following a surgery that resulted from a fall at my home. The claim was filed the first part of December 2013. I submitted the documents as required. I was let go from my job after 34 years and was paid full pay and benefits until Dec 2013. As such I according to my two policies entitled to payments for accident/disability. I called AFLAC numerous times and was told additional documents were required. AS of today, I have submitted to my agent 77 pages of documents and have called "customer service" not less that 15 times since the claim was filed. Most recently I was told the claim was still being reviewed and that I would hear on the status within 24 to 72 hours. I called customer service again today and was told they it was still being reviewed and they needed 24 to 48 hrs. I explained to the CS person that I was told last time that the claim would be taken care of in the 24 to 72 hour time frame. I was also told that they still needed a document from my MD's Office, I asked the CS person to check her file as that document was sent on March 14. She researched and "discovered" the document. She would now expedite my claim!!! She then told that the time frame would be 24 to 48 BUSINESS HOURS!!!!! I have paid my premiums and have been exceedingly patient..especially with NO INCOME as promised by AFLAC.

Desired Settlement: I would like to be paid my disability payments ASAP, without further run delay.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

4/16/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: aflac agents sell insuance will not pay claims district agent for ohio breaches privacy act falsifing dates on dlaims not allowing clients to cancel leaving client hanging for months no responce taking money from my check when i wanted to cancel almosy a year ago ive had 3 agents on a claim i made almost a year ago and im still getting run around distict agent for north ohio is very incomptent has not return my phone calls he leaves messages with random people at my job what happend to the privacy act **** ***** he misreprence aflac totaly

Desired Settlement: i want all my money i payed since my claim was made may 8 2013 i want my aflac canceled i dont want another agent like **** ***** intimidating me telling me he will handle everything so i dont cancel then never even made the claim as the other 2 agents before him i was told they were let go along with my faxed information all i want is my money

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

***** *****


 

 

4/16/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had an Aflac Critical Illness policy through my employer. In January I was diagnosed with ******* *** ***** ***** ******* which was a condition covered under my Aflac policy. I submitted my claim form on January 9, 2014. I received a letter from them explaining that there was a 30 day waiting period and requesting a form from my ******** center which I sent in to them. Then on February 17 they sent me another letter saying that because I had had the policy less than 1 year, they had to do an investigation to determine that this was not a pre-existing condition. At that time they also requested that I sign a HIPAA authorization so they could request my medical records. I sent the HIPAA form in immediately. I gave them a couple of weeks then started calling about once a week to check on my claim. The first time they said they were still waiting on medical records. The next week it was that they were waiting on prescription records and were suppose to review my claim again the following week. I told the customer service rep that I talked to that day that I really needed the money because I have not been able to go back to work and had bills I needed to pay. She said she could email the claims department to see if they could expedite the claim and that it would take a few days to get a response. I called back on Friday March 21 and the lady I talked to that day said they were still waiting on medical records from one doctor that they had had to send a second request to. I asked her if she could tell me which doctor so I could call them and see if I could get them to submit the records. She said that she did not know which doctor it was. I asked to speak to my claims adjuster and she said that was not possible. She said they could only communicate with the claims department by email. I asked her about the email that the other lady was suppose to send and she said that until they completed the investigation there was nothing they could do. I feel like they are trying to delay payment of my claim.

Desired Settlement: I would like them to pay my claim immediately. I feel that they have had ample time to complete their investigation and are dragging their feet. I have been out of work for three months and have a lot of medical bills that I need this money to pay. My claim number is ********* and my coverage ID number is *xxx-xx-xxxx

Business Response:

Good afternoon,

We are in receipt of this complaint. Due to privacy regulations, we have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and it is acceptable that they forwarded the complaint to the appropriate department.

Regards,

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


 

 

4/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Our family has had Aflac for several years. We pay monthly for this service through the company. When someone in my family has an accident, we are allowed to file a claim through Aflac for the injury (but wait there is a stipulation, dont file claims because you will get nasty letters and will be flagged as a cheat). The whole selling point of Aflac to companies is so that employees can file claims (but wait, only if they dont exceed a certain number). We received a letter from Aflac this past August 2013 stating that Aflac is noticing the high incidence of claims and that from now on we would need to produce the HIFCA 1500 form when we fax in our documentation. So for 4 months there were no claims worthy of a doctors visit. In January of 2014, we filed a claim. It took Aflac over 2 months to pay out on this claim. We never received any documentation via mail indicating the denial or that further documentation was needed. Aflac gave me multiple excuses as to why my claim wasnt being processed. I was not aware that once the claim closes out we dont need to refile as they would open up the old one. Who knew that????????? Our representative actually told me there were too many claims. He was instructed to check the dates; there was only ONE date for the injury. Regardless, after numerous phone conversations, we were told that the reason it wasnt getting processed was because we now have to produce the HIFCA 1500 form because Aflac needs to make sure that we are not committing fraud. Aflac further informed my family that many people are in cahoots with the doctors office and will end up splitting the monies received by Aflac rather than file the claim through the insurance company. We were outraged that we are basically being accused of fraud. We have never been so insulted. We have never had a problem in the prior to August of 2013 and always sent in the proper documentation (which was the doctors signature and notes). The overall nonsense and stall tactic created by Aflac was insulting and outrageous. We cant finish your claim because we dont have the correct documentation. All proper documentation had been faxed in several times and it still wasnt good enough. We also tried working with our rep. from Aflac and he was useless. He did not act as a representative and help us file the claim. He was rude and the phone conversations were shouting matches, which was unacceptable. Then, finally the claim was processed only because I threatened to file with the BBB and low and behold, a manager was able to finally finish processing the claim. Then a second claim was filed for my son. And, the doctors office faxed over the HIFCA form several weeks later because it took a while to get it. Low and behold Aflac told me on the phone that the claim had been closed out due to lack of documentation. Just today, we were told the doctors notes are now needed. Yet every other representative told me that those notes were not acceptable only the HIFCA 1500 form was. No one at Aflac can get their story straight. Now we need to produce not only the HIFCA 1500 form, but the doctors notes. So once again, my claim has not processed. Aflac is doing everything in their power to get me to give up filing claims. Just because we file claims, we have now been flagged and are treated like criminals. We are still waiting.

Desired Settlement: Aflac needs to treat us with respect, process claims in a timely manner, make phone calls to let claimants know that there were problems with the processing of a claim, allow us to file claims like every other claimant, needs to recognize that we have six people in our family, and should reimburse our family for our time and energy spent on processing LEGITIMATE CLAIMS. SHOULD BE SUED FOR INSUATING AND CLAIMING THAT WE WERE COMITTING FRAUD AND TRYING TO PROCESS FRADULENT CLAIMS.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,
** ******

4/9/2014 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: I have had a short term disability plan with Aflac for 2 years. I got pregnant and I am allowed by law to take 8-12 weeks off. I was planning on taking the full 12 weeks off with my newborn because I work in a hospital with very sick patients and I did not want to expose myself to them while my child was so young. Well I have never filed a short term disability form before and my manager only filled out the . Paperwork for my company's FMLA. I had my child feb 5th and got my paperwork turned ib on either the 25th or 26TH. When I spoke with a representative he said it would go thru in 7 to 10 days. A week later I called and the representative told me its anywhere from 15- 30 days before it would processed. In the meantime I had to move unexpectantily. Finally after I had been off work for over a month aglac gave me a check for 1 month so I called and asked about any other money and that representative told me they only pay for 6 weeks of maternity leave. So every time I call the rules change and more stuff is added on. So now I have to go back to work instead of letting my child's immune system be a mature as it can be.

Desired Settlement: I want my policy cancelled and a refund of what I have paid into this policy

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thank you,

** ******

4/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I PAID MY HEALTH INSURANCE PREMIUMS AND NOW THAT I GOT SICK THEY ARE LOOKING OFR PRE-EXSISTING CONDITIONS WHICH I DID NOT HAVE IN 2012 OR 2013 AND THE PRESIDENT HAS ABOLISHED PRE=EXSISTING CONDITIONS BEING CONSODERED ANYWAY. AFLAC THROUH CONTINENTAL AMERICAN INSURANCE COMPANY IN COLIMBIA, SC ARE TYRING TO HOLD UP PAYMENT FOR MONTHS. i PAID OVER $400 A MONTH AND THEY HAVE NOT PAID ME ANYTHING NO SHORT TERM DISABILITY AND I HAVE BEEN OF WORK SINCE fEB 06 2013.THESE PEOPLE ARE CROOKS AND DISOBERYING LAWS TO NOT PAY ME

Desired Settlement: I want my money that is owed to me for being off sick and on short term disability

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

4/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac has denied my claims based upon a "pre-exisiting condition" after I was hospitalized 11/18/13 - 11/22/13. Myself as well as my doctors were furious to hear this because is it not only untrue, but the Aflac customer service agent told me they based their decision off a test done in October 2013 in which a radiologist gave indication of a issue and Aflac used it as a diagnosis. A radiologist is clearly someone who interprets tests to help establish a diagnosis, they do not give them, that is what a doctor is for and it is unfair practice that my claims are denied based upon what a radiologist says. I have been seen by over 8 specialists since my hospitalization and even though I have received some diagnosis after 11/18/13, I continue to be treated to determine the further cause of my illness. I have stated to Aflac countless times by phone and by written correspondence that all diagnosis related to my current condition that has kept me unable to return to work were given after 11/18/13 yet they will not respond. Since I have an HMO, my primary doctor has had to approve all referrals to specialist as well as testing and therefore hand wrote a letter to Aflac stating that that I did not have a pre-exisiting condition. Aflac still denied it with no indication as to why.Our Aflac Agent barely responds to our emails and phone calls and when we contact Aflac Customer Service directly, each rep has a different answer every time we call. Aflac has only told me via phone that my claims were denied on February 12, 2014 however have not and will not provide anything in writing. My claims are very detailed with a lot of information that I had to provide and I truly believe that they are misinterpreting the claims or are not reviewing everything at once - if they did they would see that I clearly did not have any pre-exisiting conditions.

Desired Settlement: My claim should be approved and my short term disability income along with my hospital indemnity income be released to me so I can continue treatment and pay my bills.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we are forwarding these concerns to the appropiate department to address.

Thanks,

** ******

4/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased several Aflac policies and was forced to use them after a severe accident requiring major surgery on may 29th 2012, after surgery I followed there claim process and was mailed a check for 2400 total after 45 days and many screw ups on there part for example we mailed the check to wrong address, I had purchased a disability policy paying 6000 per month for 6 months and was told by the sales lady that she could get that extended to 24 months, when I tried to collect on the short term disability they said first that I had no coverage, second that I had a sickness and it was not covered, third waiting on medical paperwork that my doctor had not sent, in all these were completely false, 18 months later after losing my home,car, and everything sold of value I could find to survive, and over 100 phone calls to there offices I was mailed a partial check of 23400 and was told I needed to fill out more paperwork to get the remainder of my funds because my employer had filled out a form saying I would only be off work two weeks, I called my employer they said not only did they not fill out any form but that they never heard from Aflac in any way.my employer filled out a form saying I still had not returned to work because im permenantly disabled and Aflac sent me a check for 12,600informing me over the phone that I never had two years coverage what Aflac did to me is terrible and im not the only one this has happened too.

Desired Settlement: honor what the broker told me that I would have coverage for 24 monthsreimburse me for all items I sold just to survive aka farm equipmentnew truck, and written apology

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

 

*** ******* *********************

*** ** ** **** ****
to complaints
 
 
 
 
I have no faith that I will be contacted by Aflac but thanks for your attempt to resolve 

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to further research.

Thanks,

** ******

4/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i had 3 policy insurance with aflac. acc for $24.48psi forfor $40.34std for $22.68 the total of my tree insurances is $87.50 per month.Acording to my policies im cover for accidents, ill, and medical bills .recientily i hurt my back and couldn't work for 8 days.My anual income is 31 000.00.im onlly going to recive from aflac 186.66.this is trick that aflac use to goes away with client money and avoid to pay my salary day of 119 dollar.if we consider 264 day at the yea as working days.im being pay every month to them.i fell robed for them.they are the best scam ever.

Desired Settlement: they calculate better the money that a supose to get back

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will forward to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 9******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** ******


 

 

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My dental policy was wrongfully terminated by Aflac due to change of employer which leads to nonpayment. I was told that Aflac would bill me directly for the monthly premium due, However I received nothing in the mail, no email, no phone calls from Aflac regarding monthly premium pass due. I even reached out to my policy agent within Aflac and received no response at all. Now they terminated my dental policy which started on 7/15/13. I filed a couple of claims for the dental work I did during January. Aflac is refusing to reinstate my policy with no lapse and refuse to process my claims. I sent in a check in the amount of $225 to pay my past due premiums, it was cashed first, then sent back to me with the refusal. In conclusion, why should my policy be terminated due to nonpayment if Aflac never made any effort to notify me. there is no online payment or phone payment options available to customers either. Absolutely horrible experience over all with Aflac. Worst insurance company in the country without a doubt.

Desired Settlement: reinstate my policy without any lapse process my claims submitted ASAPI'll pay Aflac any past due premiums

Business Response:

Good morning, 

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

 

 

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: admitted to ********* hospital on 5-18-13 until 6-3-2013 in intensuve care. filed claim with aflac office in ********* ************ and mailed hospital form ******* and **** to that offfice. no response in 3 months. called office and not answering phone. went to office and doors locked. called 800 number and agent said the ********* office did not fax info for the claim but he called that office and assured me that he had it now and was sending it in. nothing happened. called 800 to check on claim and no claim filed so i personally sent them info after they mailed me another consent form for the hospital tp release info. now i called to check and it has been turnrd over to the auditors whatevere that means. on and on the run around. its been a long ride with no action. this policy has been in force since 1987 that my mother took out on me along with a cancer policy policy. the intensive care policy number was at first called a hospital indemity policy but aflac changed the name of it. the intensive policy acount number is ********. my cancer policy number is *******9. the hospital "********* ****** ****** ***** ** ******* ,tn located in********** area is where i stayed in the i/c for two weeks. Aflac seems to be dragging their heels and i need my proceeds to pay the drs bills for the ********* that i was admitted for. Can you help me with this. thank you BBB for being there. ****** *****

Desired Settlement: i would like for aflac to pay me for the intensive care and anything else for the 2 weeks inthis hospital. i have bills rolling in with NO MONEY!DUH!

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we have forwarded to the appropriate deparment to be addressed.

Thanks,

** ******

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been with Aflac for several years and this is the second time I have had trouble with this issue. As of March, 5th 2013 I have been out of work due to injuring my ****. I was on light duty at my employer for a couple months between March and September of 2013 and then had **** surgery on September, 9th 2013. I first filed a claim in November 2013 and sent in what was asked. Which was a detailed billing statement. They then wrote me back and said they were denying me and that I was allowed to appeal this. When I called I was told that what I had sent in was not the correct information and that I needed to send in the documents from my first ER visit. I did that and now they say that I am not eligible for accidental benefits because the ER doctor said that it could possibly be from degenerative diseases. In my statement to the ER doctor I stated that I had injured my **** due to a work injury as I am currently in a workers comp. claim right now. I feel as though Aflac seen the bill from my surgery and all of the MRI's and Xray's and such and is trying to back out of coverage on me. They have no trouble sending out a small check for check-ups and other small things but when it comes to bigger issues they try to back  out and find every move they can to not pay out the benefits. I had to contact the Better Business Bureau a couple years ago over this company because my wife had surgery on her foot and they tried to figure out a way to get out of that as well. They are trying to leave this up to an ER doctor saying that it could be something but it might not be. Oh but I have a chance to appeal this denial as well. How many times am I going to have to appeal this befor i give up?

Desired Settlement: I want benefits that are due to me. I have paid for this insurance for several years and now that I need it this company seems to find it funny that they can do whatever they need to to deny a large claim. To see how many times I will appeal befor I just give up apparently.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I received a letter from Aflac stating that they are basing their denial decision off of what an Emergency Room Doctor said in his notes.  That doctor that they are going by is an "ER" doctor, and because he said that it could be degenerative they are saying that there is no way that it could be an accident. Aflac has asked me for paperwork on my claim three times now, the first two times "it happened to be the wrong info they requested from me." The third time it was the first ER visit that they wanted notes from. 

Due to the type of injury i sustained, the Emergency Room Doctor should not be the determining factor in this claim as Aflac is trying to make it. The Emergency Room Doctor did absolutely nothing, no X-ray's, no MRI's, they put an "asprin shot" in my back and sent me home with a non narcotic pain reliever and told me to see my regular doctor. This was two days in a row that i was in the ER for the same injury. After seeing my actual doctor i was sent to a Neurosurgery department and within a few months was in having a major **** surgery.   I also made calls to the Hospitals HR department and their relations department and was told that the way these ER doctors handled my injury was unprofessional.  In the doctors notes you can see that I told them that my injury was from either helping someone move, or from "work." But because the ER doctor said that it "could" be degenerative, Aflac obviously feels that they do not have to keep their part of our agreement.  

 I have since had a * **** ***** **** ****** and have been out of work with multiple X-rays and MRI's and  I feel as tho, since my employer, (******* *******) is no longer offering Aflac's services to their employees, Aflac is doing what they can to not compensate me for my injury.  With surgery and everything else it will be a larger figure and I feel as though they are doing everything they can to get around it and try to get me to forget about it. Why else would they ask me for different paperwork twice and then write me back and tell me that they needed completely different information a third time? A large company like this should know exactly what they need on the first attempt. And then to base their decision from an ER doctor who did absolutely nothing to dig into whether i had an injury or was faking it is completely absurd.  I feel as though Aflac is doing what they can to get out of approving my claim. 

Regards,

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


 

 

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded them to the appropriate department to be addressed.

Thanks,

** ******

4/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I took out a disability policy on myself with Aflac. I met with a local Rep. We sat down and I explained that I owned a business with my husband, I worked alone here and had a **** **** and was concerned because they wanted me to have a huge surgery on my **** and I need to have disability insurance in case I needed to do this to help pay for someone to run the store. I also took out an accident policy on myself, husband and daughter in order to qualify for a disability policy. Apparently this was the only way she could write me a disability policy legally. It turned out I had a different surgery on my **** the end of November, 2013 and after weeks on emails on February 19th, 2014 my rep finally contacted me that I will not be getting anything due to pre existing conditions! When I had first came to her for help in getting my claim started, for the first few weeks she was under the assumption I had wrist surgery!

Desired Settlement: I either want my disability paid for my 8 weeks or all my premiums I paid while I thought I had insurance refunded by this company.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[I have received a document stating that you have received a claim for a disability claim.  This claim was filed for November for my surgery November in 2013.  In which you just informed my in February 2014 in which you denied after you requested hundreds of pages of documents from the hospital, tax returns and W2 in which you received.  Next you informed me my claim was denied due to pre existing conditions in which #1 when I took out my insurance,my rep never mentioned mattered.  #2 I was up front in communicating with my rep the reason I was getting disability insurance was I had a *** ****.  At thus time I had no employees, only myself and was told to have disability insurance my business had to have 3 employees enrolled in a plan so if I took out a policy on my daughter, husband and myself of even if my daughter and husband weren't on the payroll, I could then get disability.  So since the rep said it was okay, that is what we did.  I was miss led to believe I had disability insurance. I had surgery. Was laid up for 10 week and received NOTHING from you!!  .]

Regards,

***** *****


 

 

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to review and correspond directly with the policyholder.

Thanks,

T. Austin

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I received another letter from you, once again the letter states that I filed a disability claim on my wrist which I NEVER DID, but then goes into my ****. ONCE AND FOR ALL, I NEVER FILED A CLAIM ON DISABILITY ON MY WRIST, it has always been on my ****.  Let's get a few things straight here. When I met for the very first time to discuss taking out disability insurance, the rep I met with stated that a business had to have 3 employees take out some policies and it had to come out of payroll. I told her at this time I didn't have 3 employees, I only had myself.  She had if I could take out a policy on my husband and my daughter even though they didn't work for me and then I could get disability. I told her upfront I had **** issues and never ONCE did she ever mention the word PRE EXISTING CONDITIONS. SHE WAS MORE THEN HAPPY TO WRITE ME OUT THE POLICY.  The surgery on my **** came up, I never planned it, I never new that the ********* I had put in 3 years ago had slipped so I had it fixed, thinking I had disability insurance, I went for it.  Now I found out I never had it and I continue to get letter after letter indication I had surgery on my wrist!  I submitted my documentation on my ****, I sumitted my financials, W-2 and know you will never pay me. I was mislead all along by my rep and your company which was all to happy to accept my premiums. Your company rep took advantage of me was dishonest and how you won't pay.]

Regards,

***** *****


 

 

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department for further review.

Thanks,

** ******

3/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On January 27th, 2014 I was told I needed **** *urgery. I faxed my Aflac forms on January 30th. My claim was accepted and was told that a disability check was issued on Feb 10th. I spoke to Aflac Customer Service on Feb 20th because I still had not received my check. I was told that my check probably had not been sent out until Feb 12 due to the storm that Georgia had. I called my rep and she stated that the check had not been cashed and to "be patient and give it a little more time". I was told that the check could be cancelled and another could be overnighted (at my expense). On Feb 25th and asked that the check be cancelled and overnight a new check be issued. I was told that a new check could not be issued until 15 business days had passed since the day of mailing of the original check. This meant that I could not cancel the check until March 3rd. Today is March 4th and I cancelled the check. I was told they could not overnight a check to me because I did not have a FedEx or UPS account.I now have to wait another 3 to 5 business days for them to issue me a new check and 5-7 days for the Postal Service to deliver. I am now 2 mos behind on rent, car payments & utilities, borrowing money for food and cannot fill prescriptions I need due to my surgery. I was supposed to return a continued disability form (which comes with check) by march 15 in order to have uninterupted disability but that will not happen. I am on disability per my Dr. until May 1st but I may have to return to work before I am healed so I don't lose everything I have worked so hard for. If I reinjure my back before it's healed, Aflac will probably deny any claim because I went back to work against Dr's orders. I cannot believe that the BBB can give this a good rating. Bad excuses from a company is not a "resolved" issue as far as I am concerned. I will be cancelling my 5 Aflac policies when I return to work and have been spreading the word to not bother with aflac.

Desired Settlement: Have Aflace overnight me a check to my post office so I can pay for it there. They can surely offer a certified letter.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

3/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I cancelled my Hospital Confinement Indemnity Insurance. I received confirmation from Aflac that my policy was cancelled effective January 1, 2013. Aflac continued to take monthly deductions in the amount of $49.53 after my confirmed cancellation. I made several attempts to contact Aflac customer services to rectify the situation; however each time was told something different and transferred to multiple people. They reactivated my policy without authorization and I received a total of nine (9) unauthorized deductions from my payroll account totaling $445.77.

Desired Settlement: I am asking for my full refund in the amount of $445.77 and to discontinue any future unauthorized deductions.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

3/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I've had some issues with some things that I needed or should have been taken care of earlier so I have been having to communicate with my rep Mr. ****** ***** who works for Aflac and deals with the ****** *** Employees that are a part of the program. First of all his attitude is one of very little professionalism when it comes to dealing with customers, secondly he knowledge of the policies and how they are executed is one of very little knowledge since I have dealt with Aflac many years previously. I asked him to take care of an issue with signing me up for Hospitalization plan since that was not done as I requested earlier and he got a attitude and when I asked him who I needed to contact in the Benefits department to get him what he needed he had no knowledge of the person's name who is even over dealing with Aflac, yet he is suppose the rep for the ****** ****** Employees. I then asked him to assist me with a claim that I have submitted he was very disrespectful and I think that he needs to be dealt with because at this point I am truly questioning Aflac's selection of Representatives for their company. He has very POOR CUSTOMER SERVICES SKILLS and needs to be replaced with someone who knows their job.

Desired Settlement: Want another person to handle my situation without a attitude and get my current issues resolved as Mr. ****** ***** has no knowledge of what he is doing and his attitude STINKS. If he is replacing your company I may need to rethink my policies and look into someone or some other company to assist me.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

3/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I was briefly, very briefly contracted with Aflac in Southern Florida. Due to some personal issues I was not able to pursue a career with them. I was only there a few weeks and then I moved away due to health issues. During the process I was not, I repeat that I was not told by the recruiter ********* ****** anything about a licensing fee. I was not aware of any fees for licensing with Aflac and I wasn't aware it was a ludicrous amount of $60. I have been told since then by ********* ****** that the fee is a Florida licensing fee. However it's nothing to do with the state because other insurers that deal in Florida don't charge a fee or they charge a much lower fee. Regardless, she never made me aware of such an outrageous fee to join the company. Now, I am receiving a collections letter from their collections department for the amount of $60. There is absolutely no explanation of what the charge is for, just what it might be for with several options. I have called and left three (3) messages up to this point with the number provided on the letter. I have asked to have the charge explained however no one is taking the time to return the calls or messages that I have left. I have a hard time paying a fee for unknown reasons. I am very upset that I have been handed this ridiculous fee and get no explanations at all as to the charges. I have to pay the fee to keep my license valid and not be in debt to anyone but I don't agree with it and I feel I should have the fee returned.

Desired Settlement: I have to pay the fee since I have to keep my license clear of any blemishes so that I can join another insurer. I was told nothing about the fee and I don't remember signing anything saying I agreed to pay it. I have asked for someone to call me back to explain it to me but they have yet to do so. I want the money refunded to me immediately.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to review and address.

Thanks,

** ******

3/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In March of 2011, my husband slipped on some ice and broke his arm. I called Aflac and entered his social security number and was told no policy was found.In about August of 2013, I received a mass mailer from Aflac updating their privacy practices. I called Aflac and was again told we had no policy; we must have received it by accident. I disregarded it.In September of 2013, ******* fractured his knee. I called Aflac and was told ***** had no coverage. After chatting with the phone rep about receiving this mailer, she advised ***** did not have an individual policy, but his SS number WAS listed under a GROUP policy from Schneider National and that he DID have coverage at the time of BOTH accidents. I immediately asked for policy information, coverages, anything she could send me, and a claim form. She advised she would send everything right out. Because I had no policy information or instructions on how to file a claim, the woman gave me the number **********. About a week later, I called again because I hadn't received anything in the mail. I asked how far back I could go to make the 2011 claim. She advised they go back one year, but seeing as to how ***** had been covered for so long, and we didn't know we had this policy, they could over-ride the exclusion. She advised she would re-mail everything, and re-verified my address.I made a complaint with the State of MN, who fined you $700,000, but that doesn't help me get my money. Apparently, Aflac has a legal obligation to send me out renewal notices and policy information, especially after I had requested it so many times and to at least inform me of the status of my claims. I have been calling since November. I sent in all the paperwork. I was then told the policy had lapsed for non-payment. I sent the money 2 months ago. You received it but didn't re-start my policy to process this claim. Everytime I call, I get new information and am told try back in a week. No one ever calls me and I still have no idea what is covered.

Desired Settlement: I have no idea what is covered in my husband's policy, but he had time loss of work, surgery to install a ***** *** ** ****** in his arm, a bunch of physical therapy, hospital visits, a brace on his knee, crutches- some parts of this has GOT to be covered!!!! I would like to be paid for what we bought insurance from you for!! As an aside, when my husband left his employer due to being a ****** ********, no one called to ask if we would like to continue our coverage and pay for it ourselves.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response: Hello.  I have heard back from Aflac.  They want me to send them more money. She stated they cannot send me a certificate or any policy information until I do. I don't know if I want to send more money before I know if my husband's claims will be approved!  And because the doctor did not say my husband "accidentally" fell down and broke his arm, it may not be covered; because the doctor didn't use the word "accident".  I think now I have to bother the very busy doctor with an office visit and co-pay just to re-word his file. Seems like a lot of work for me, not knowing if it is even going to be covered. And how much it pays.

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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


 

 I received nothing from Aflac, but their customer service department DID pay

3/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac has refused to pay a claim that they admit is covered but have come up with nothing but excuses on paying this claim. I filed my hospital sickness Ryder claim with them in Nov of 2013 and was told by them a check was mailed Dec 2013 but that it was sent to wrong address now how can a company that can bill me and send me info all the time make this mistake human error once is excepted but three times is intentional and fraudulent.

Desired Settlement: I would like all claim moneys paid as well as all premiums paid for the year 2013 as a way of showing good faith and a mistake that was done intentional.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to review and corresond directly with the insured.

Thanks,

** ******

3/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I enrolled in a health insurance plan with Aflac through my workplace back in the middle of November 2013. The plan took effect on Jan. 1st 2014 and as part of the agreement, the cost of the plan has been getting taking directly out of my paycheck each week. However, I still have yet to receive any documentation about the coverage included in my health insurance or any form of proof of insurance. I have called their office numerous times (usually just to get the voice-mail after one or 2 rings) and have been told three separate dates for when my information would be mailed to me, none of which have proven true at this point. Every time I do manage to talk to an actual person I get the same excuse of "The group of people that you enrolled with (aka fellow employees) was so big that it is taking longer then expected to process and mail out the information," followed by a "you should have it next week" response. The last time I got to talk to an actual person I got maybe a 5 min conversation at most before they tried to hang up on me. I was told that I have been covered since Jan. 1st and could call and start a claim if I needed to which led to my response of "that does not do me any good if something were to happen to me and I was incapacitated in a ER." As of today, 2/25/2010, I still have not gotten any documents and/or proof of insurance for my health insurance despite having been paying for it each week since Jan. 1st 2014 and having enrolled back in November of 2013. I have also gotten no real explanation as to why it is taking over 3 months after I enrolled to get this information other than the "your group was so big" excuse. I don't even have information on what is all covered by my health insurance. The horrible thing about this situation is that I am not the only one having these issues. My coworkers have been having the same exact problems I have had with getting their insurance information and dealing with Aflac's customer service.

Desired Settlement: All I request is to be given the documentation I need so that I know what my health insurance plan covers as well as the proof of insurance I would need in a emergency. I want the ability to actually use the service that I have been paying for since Jan. 1st 2014.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

3/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was sold policy # ******** by representative ***** ******* who works for Aflac in October 2014. ***** sold me the policy advising me that it was an accidental policy with a disability rider on the policy. I became ill and needed to file a disability claim on the policy 1/26/2014. At that time I was advised that the policy was only an accidentally policy and that I had been misinformed. *****/Aflac falsely advertised and sold me this policy and did not truthfully disclose what the policy really was. Since then I have left several messages and sent several emails to ***** and he has yet to respond. Which further shows his dishonesty as well as the company's dishonesty . I am severely behind in my monthly bills because if the lying and false advertisement of Aflac

Desired Settlement: I was depending on the policy to pay me my income while off work if I ever be me sick. At this time I have lost about $2,300 in income and $156 in monthly premiums which I would like all refunded to me. Totaling $2,456.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly with the policyholder.

Thanks,

 

** ******

3/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: While attending the University of Maryland, I was hired as a sales and marketing intern for AFLAC for approximately 4 months at the end of 2012. I have not been in contact with the company since my last day of employment in mid-December of 2012, and besides receiving a couple letters in the mail about how to be in the "Winner's Circle", I have not received other communications from AFLAC. On March 5, 2014, I received a bill from AFLAC in the mail stating that I have a debit balance of $839.59. I called in after hours on March 6, and was told to call back on March 7 to be connected with Agents Accounting. Around 4 PM on March 7, I was connected with Agents Accounting and spoke to a woman named *****, who told me I was charged an amount of $790.87 back on February 28, 2013 for the commission that I previously earned, and that my account has been gaining interest of a little over $4/month ever since. Why did it take over a year for me to receive any notification that I had a debit balance in my account, especially one gaining interest on a monthly basis? Also, taxes for the $790.87 I was compensated for were already filed with the IRS and the State of Maryland. How am I to obtain that money back?Moreover, prior to talking with *****, I had no knowledge that statements were made available online or that I had any sort of access to anything else related to my internship at AFLAC online. In addition, I was never made aware of any cancellations of policies from which I earned commission or that I had to pay back the amount I earned if the policyholder did not keep their policy for at least a year. I do recall signing a contract upon being offered the internship position at AFLAC. However, the specifications of that contract were only briefly summarized to me by my regional agent. I was never given a copy of that contract or told how to obtain a copy of it.

Desired Settlement: I am requesting that this matter regarding the total debit balance of $839.59 in my account be closed, which includes the interest accrued in my account over the past year.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to ******* ***.

Thanks,

** ******

Consumer Response:

[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 9*****7, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, review their course of action regarding this matter.  I will keep the BBB informed of any issues or unsatisfactory resolutions that may result from my communications with the business.  However, if an agreement can be met, I will notify the BBB.      

Regards,

******* ***


 

 

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: We receive approximately 2-3 sales people per month at our business location. We have no solicitation signs clearly marked at our front door but the sales people still come into our offices. We offer to take a message for the business owner but the sales people insist on a meeting or for us to schedule a meeting. I point out our no solicitation policy only to be told that they are not selling anything. I inform said salespeople that they are indeed selling services and ask them to leave the business. We still receive these sales drop ins even though we have repeatedly asked them not to drop by or call. At times the salespeople become combative or hostile in manner. We ask that Aflac remove us from each and every office database and we demand that these calls and drop ins cease immediately. This could be considered as acts of harassment if continued.

Desired Settlement: To not have any Aflac representative contact or come in to our offices again, ever.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint and have forwarded these concerns to the appropriate department to be addressed.

Thanks,

** ******

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to be addressed.

Thank you,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

*** ******


 

Unresolved

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up with aflac maybe about 1 and a 1/2 yrs ago or more . They quoted me a certain amount, each month . The rep. said :" we pay up front for how ever long your doctor says " NOT TRUE !!!!!!! I was originally supposed to be out from Dec. 13th -Feb.13th they paid me until Feb2nd and made me fill out a continue form. Even though they had a doctors form then said it would take 7-10 days to even look at it. I called headquarters no response, still havent gotten a check yet they said they mailed it out on the 14th, but on the phone they supposely already had mailed it before that. now I wont be back until March 17th I faxed the papers on the 14th they said it would take a 7-10 day turn around just to review the claim. This is so bad you have to call a hundred times either they cant find your paper or you didnt do something so they dont contact you they let it just sit there until you finally get back through . It is un fair we pay alot each week in order to have aflac they advertise 48hrs turn around that is completely un true they have great service when you sign up and maybe the first payment but I suggest you get your tweazers out because getting the money your promised it will be very stressful , hard and alot of work and phone calls I defently would not reccommend there service get everything in writing have all paper work you will have to stay on top of it and prepare to work hard even though your not suppose to worry with AFLAC.

Desired Settlement: Would just like the payments up to March 17th , now BEFORE I GO BACK TO WORK SO I CAN PAY MY BILLS ON TIME THAT WOULD BE GREAT AND TAKE THE STRESS OUT OF BEING OUT OF WORK !!!!!!!!!!!!!

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

3/7/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: customer service and problems with setting up payments for drafting

Desired Settlement: someone changed my draft dates without my permission, i would like the draft dates to be corrected so that they draft when i have them scheduled and not just whenever AFLAC decides to take the payments out.

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

3/7/2014 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: I have aflac insurance. It pays $100.00 a day wile in the hospital stay. I was in from nov.18 to 26. Thats 8 days. Its been 2 months now. All the information was sent to aflac pertaining to hospital records of my stay. I need this money to pay my morgage. Can you please help me? My agent is giving me the run around.

Desired Settlement: I need my $800.00 that aflac owes me.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On January 6, 2014, as part of my ****** ****** treatment, I underwent a ********* ********** with reconstruction using ********. I have a cancer policy with Aflac which provides a $3,000 benefit for surgical prosthesis - which would be the ********. I filed a claim with Aflac on January 18th, providing them with my surgeons notes - which indicated my reconstruction involved ******** - as well as an invoice showing a charge from the surgeon for the implants. To date, Aflac refuses to pay the benefits Im entitled to from this policy. If you can assist me in getting this matter resolved, I would greatly appreciate it. If you need any other information, feel free to contact me.Thanks,******* ***************************###-###-####Policy No. ********

Desired Settlement: Pay the benefits that are due

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

3/6/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I'm submitting this complaint against Aflac. I just recently had a baby and prior to having her I filed a claim with Aflac. I have been off work since December 30th due to my job not being able to provide a stationary position like my doctor requested. After giving me the run around Aflac is denying my claim because my doctor did not indicate any complications with my pregnancy. My doctor wanted me stationary at my job because she did not want to risk my water breaking while I was driving which is 50% of my job. I called Aflac to see what else I can do and since I had my baby a week early I was told to re-file my claim. Aflac has been no help in any kind of way. Because of this I'm having to return to work earlier than I am suppose to so that I can get caught up on bills that have not been able to pay.

Desired Settlement: I pay Aflac monthly to help when it's needed but they have only given me the run around. It will be very helpful if Aflac pay for the time I have been before delivering my baby and I will be filing a claim for after my babies delivery.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department reveiw and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. In the event this complaint isn't resolved I will be contacting a lawyer. 

Regards,

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


 

 

3/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Short Term Disability PT******American Family Life Assurance Company of Columbus refusedto additional units for my pay increase since 2010. As per myagent.Hi *****, I have an update. Although the short term disability policy is, fullyportable and you can keep your policy regardless of job changes bycontinuing to pay the premium, Aflac will not add additional units to thispolicy because it is not on payroll deduction. I agree with you if you provideproof of income and that income is higher than Aflac should be able to addunits regardless of payroll deduction or direct pay. I am so sorry. LI have decided to escalate this to management and see if we can get adifferent answer.Fully PortableWhen you own Aflacs Personal Disability Income Protector,you may choose to keep your policy regardless of job changesby continuing to pay premiums.******** ******Aflac Associate AgentSU***Cell# ###-###-####Fax####-###-####----------------------------------------------------------------Its not the agents fault but its the companies fault.As per the booklet.Fully PortableWhen you own Aflacs Personal Disability Income Protector,you may choose to keep your policy regardless of job changes

Desired Settlement: To add additional units that is current with my pay.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

Business Response:

Good morning,

We are in receipt of these concerns and have forwarded them to the appropriate department to review and correspond directly with the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[STILL NO ONE FROM AFLAC HAS CONTACTED ME BY PHONE OR BY MAIL]

Regards,

***** ******


 

 

3/3/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Myself and my fiance opened accidental policies on Dec 27th, 2013. On Sunday Dec 29th, 2013 Aflac withdrew $50.05 twice from our bank account for the first month payment. On Monday, Dec. 30, 2013 I called customer service to cancel the policies. On January 6, 2014 I faxed a cancellation letter and our bank statements showing the withdrawals to Aflac's billing department. On January 31, 2014 after several calls because we had not received a refund, I was advised that nobody generated it but that finally on January 31st, refund checks were sent. As of February 14, 2014 we still have not received the refunds.

Desired Settlement: I feel as though Aflac deliberately dragged their feet in the process and gave me the run around. If they took the refunds electronically in less than 72 hours and on the weekend, they can refund the money the same way. I am asking for the refund of amount of $100.05.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

3/3/2014 Billing/Collection Issues | Complaint Details Unavailable
3/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I work for ******** ********* ********* in *****. In Nov 2013 I selected Aflac in my insurance form, then in December I felt it was not needed so I called my company and was told by them just call Aflac after 1/1/2014 and they will cancell it. I called on 1/2/2014 and was told to fax a form to them cancelling my policy which I did on 1/4/2014 and on 1/11/2014. Since that time I called on 1/10,1/17,1/24 and 1/31 about why money was still being taken out of my pay check. Nobody can tell me anything and on 1/24 and 1/31 a manager was suppose to call me back but never did. Seeing what they have put me through with this I would HATE to have to use the insurance they have. I feel like I am being scammed by them and have written a letter to ******** ********* also telling them of the HORRIBLE way I have been treated.

Desired Settlement: Refunfd the money they have taken out of my check since 1/7/2014 and cancell by contract. I have all the faxes that I sent them with proof that it went through and they received it.

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the insured.

Thanks,

** ******

3/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This company has has caused me about a 100 in fees from my bank. I called them 12-2-14 to cancel my policy because I had no money in the checking account that was on automatic withdrawal. Customer service assured me it wouldn't be a problem but said I needed to fill out a form. They emailed me the form and I immediately filled it out and put it in the mail. The withdrawal was not cancelled, I tried emailing the customer service representative but did not receive a response. Long story short I was charged again in January tried again to contact the customer service rep, no response. Finally got a hold of someone by phone who claims they never got my paperwork. (Had to re-send it) she claims she cant process my request in time to stop February's payment so my only option is to have my bank do a stop payment (the stop payment was $31) So now I have two $79 dollar charges on my line of credit plus two $30 overdraft fines, plus interest charges, plus the stop payment fee. I've yet to see any sort of reimbursement from AFLAC, they made it clear they will not reimburse the fees I've incurred. I'm extremely disappointed with how they are handling this. Their customer service has been unacceptable. All I want is to be reimbursed for the money I've lost so I can pay off all the charges on my credit. Product_Or_Service: Hospital & Accident Insurrant

Desired Settlement: DesiredSettlementID: Refund Refund of $250 as soon as possible before I get hit with more interest charges.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

2/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased a hospitol indemenity plan from Aflac as a supplemental insurance and was denied for payment. I stayed in the hospitol 7 days.The first denial was because I did not have the right paperwork so I sent in the right paperwork which was an itemized bill.In the meantime none of the represenatives sent paperwork or told me on the phone that I was not going to get the benefits because I had a pre-existing condition. I continued to pay the insurance and still no one called me to say that I was denied for the second time until I called.When I enrolled into the insurance plan, the represenative never said that there were no pre-existing conditions even though I told her my situation concerning a hip injury prior to enrollment. I asked her about still receiving payment if I needed to stay in the hospitol and the reply was that I would.When purchasing the insurance I thought it was advertised as a supplemental insurance that pays if something should happen. In filing out the paperwork for the doctors visit I was asked about any incidents that may have caused the problem I was now having and I put down a fall in the year 2008. When sending in the paperwork for Aflac, all of my previous paperwork was sent to Aflac for proof that I had the surgery.Because of me telling my story and giving a date this is why I was denied.The surgery was done in 2013 and 6 years ago I fell.These are my complaints below:1.I feel that I was not fully informed when getting the insurance. If I had been told there were no pre-existing conditions after telling the representative about my hip I would have known not to purchase the insurance.2.I had the surgery on November,19,2013 for a *** ***********. I sent them the paperwork 2 weeks later and got the denial 3 weeks later. I called and was told I need an itemized bill which I sent that in. 2 weeks later I called and asked about the status of my claim and was then told I was denied again, "no pre-existing".Thank You****** *****

Desired Settlement: I feel I was not fully informed about supplemental insurance before enrollment and that the represenatives need to fully inform applicants before registration about the coverage and what is not covered if you purchase the insurance and to make it obvious whether its in presentation or enrollment so that potential customers are aware.I would like be refunded for the premiums that I paid in to the plan.Aflac should have informed me so that I would not keep paying them for nothing.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

2/27/2014 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: I faxed my claim forms to Aflac on January 20th 2014. On January 27th 2014 my claim was processed. January 31 I call Aflac to inquire about my claim check. I was told It was sent out that day due to bad weather. I called aflac February 3rd 2014 again to inquire about my check. they, transfered my call to the claims department. I was told the check was sent out on the 30th do to the weather again. Two different dates they gave me. As of today february 6th 2014 I have yet to receive my check. Yet on January 22nd Aflac sent me my bill. I received this on the 23rd of January! Really!!!!!!!!!!!

Desired Settlement: What can the BBB help me with?

Business Response:

Good afternoon,

We have received this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

2/27/2014 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: Was lied to by the sales representative from your company. When I signed up for your service your representative had me sign a contract stating wages would be withheld and all that good stuff. Then told me the date that I signed said piece of paper (October 2013) I would have coverage. When I submitted my claim they denied it stating that my coverage did not begin until February 1, 2014. When I contacted your sales representative as to inquire why my claims were denied he advised me that by the end of the week everything would be sorted out and not to worry about it. Needless to say it was not sorted out. I'm extremely frustrated at being lied to. If he would of been up front and honest I wouldn't be feeling so violated now.

Desired Settlement: Would like my claims processed as promised by your sales representative.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the insured.

Thanks,

** ******

2/27/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I signed up for Aflac supplemental insurance on June 18th, 2013. I signed up for the Accident policy at $2.81/per week and the Cancer policy at $6.05/per week. I was told that this would be taken out of my ***** credit union bank account weekly. After a few months I realized that the charge was being taken out once a month for $38.83. This was not what I was told in the beginning and I decided that I no longer wished to have these policies with Aflac. So mid October I called Aflac and they informed me that I had to fill out a form to cancel the policies so they proceeded to email me a form to cancel. I filled out the form and faxed it to them. At the beginning of November they charged me for these policies once again I called and informed them of this and I was told I cancel only one of the policies. This is incorrect because I cancel both the accident and cancer boxes in the cancelation form. So I filled out another cancelation form and sent it to them on Novemeber 11th, 2013. I followed up on Novemeber 21st and was told that the payments would stop. I was then charged again on December 3rd, 2013 in the full amount of $38.83. I once again called on the 5th and 6th of December about the policies being canceled. Again I was insured that the deductions would stop. Another deduction was taken on December 30th, 2013 for $12.61. Again I called Aflac on December 31st, 2013 and told them that I canceled my policy well over 2 months ago and that the deductions needed to stop immediately. I was told that it can take up to 2 full billing cycles to cancel a policy. So then I was told I could expect a refund check in 3 weeks maximum. I still have not received a refund check on January 30th, 2014. I called Aflac on January 30th 2014 and asked when I was going to be refunded my 2 and half months of overpayment I was told an ajustment was made on December 17th, 2013 and I should get a check in 2 more weeks.

Desired Settlement: I want a refund of $109.68 for the over payment of service for half of the month of October, the entire month of November, the entire month of December, and the partial payment at the end of December. I feel that this solution is fair.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded this complaint to the appropriate department to review and correspond directly with the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

I have dealt with Aflac several different times regarding this matter and I always get pushed to someone else or told my check is in the mail and on its way. I would rather resolve this matter by Aflac issuing me the refund that is owed to me and that is the resolution I will accept. 

Regards,

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


 

 

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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


 

 

2/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I bought this insurance with the guarantee of short term disability if needed. I hurt myself 12/16/13. It required I go to the hospital. My doctor recommended that I not return to work until 1/18/14. My disability claim has not been paid. The company claims the auditor must verify a few things however the auditor is never available my doctor can never contact the auditor. It's been months. I pay my policy I expect delivery. I can't ever talk to the auditor. The company representatives claim auditor hours are from 8:00am till 4:00pm. Yet when I call during these hours they are never available.

Desired Settlement: I would like my disability payment. I would like the auditor who's first name is ****** to be available to call the doctor when the doctors office is open or be available when he calls you because it's been a few months.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

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


 

 

2/20/2014 Problems with Product/Service
2/19/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In September 2012, an AFLAC Representative visited my place of employment to offer products. I met with him and had an interest in the policies, however; I was concerned that I would not be able to afford the premium(s). I was ensured that if I was willing to sign the paperwork that day, that I had (30) days to cancel. I was coerced to sign the papers because there would be "no problems" if I decided to cancel. WIthin (7) days I cancelled the policy (October 2, 2012) by telephone with the local agent, by e-mail to AFLAC headquarters (just to make sure) and was told that I had to follow up in writing to AFLAC headquarters which I did. So, I cancelled (7) days later by phone, e-mail, and written letter. The policy effective date was 11/01/2012. I received documents from AFLAC indicating the cancellation. I watched my payroll deductions for (3) months to make sure that the premiums were not being deducted from my payroll. In November 2013, in checking my pay stub, I saw that AFLAC had deducted over $43 per pay period since 01/04/2013. Immediately, I prepared a certified letter with the backup documentation (including a letter from the Local AFLAC Agent who indicates that he cancelled my policies upon receipt of my phone call) requesting immediate cessation of future payroll funds for a policy that I had cancelled prior to it's effective date and reimbursement of all funds they have received for a policy that was never effective. To date, I have received two notices indicationg my policy was cancelled January 1, 2014 and November 1, 2013. Neither is correct. Regarding a reimbursement, a check was issued to me by AFLAC for $111.00. They have errantly received over $1100.00 from my paycheck for a policy that was never in place. Each time I call, I hear a different story about them reviewing my case. This is HORRIBLE. Clearly the attempt is to frustrate me past the point I will not continue to ask for my refund. I will seek Legal Representation to receive a full refund. Please help.

Desired Settlement: Full Refund for money collected from my pay check for AFLAC funds. I have never had an active policy with AFLAC. I cancelled any policies prior to their effective date. This was an error on AFLAC's part - not mine. I have cleary asked for this and AFLAC continues to avoid their responsibility. The last AFLAC Service Rep. (******) said that if I did not have an active policy, then AFLAC never received the money but my Employer has the money. This is NOT true.

Consumer Response:

 
 

Please add the following information to my complaint and there is a matter that I need to clarify.  The deductions started on 11/09/2012 and ran through 01/03/2013.  A total of $1368.60 was deducted from my paycheck for AFLAC. 

 

Thank you.

*********

 

 

********* ** *********, 

 

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

2/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: An insurance company that refuses to uphold it's responsible portion of payments to the insured client. The company finds ways to make it as difficult as possible to release the appropriate settlement agreement of full coverage related to illness or injury to a loved one, even in the event of loss of life. I'm a seven year customer of Aflac, who recently lost her son due to a covered illness. Aflac knew he was an adult when they covered him and having full knowledge of the medical laws, insist on having records that only the deceased has the authority to release. I paid the premiums for his coverage while he lived, now that he's gone I have no authority over his matters anymore. Aflac knew this before hand, but made no stipulation about any of the current request their now making. I'm battling a giant who believes any form of treatment to the little guy is acceptable, I do not accept it. I would've expected for Aflac to be more considerate than this.

Desired Settlement: To honor it responsibility by paying for the insured amount of coverage with dignity and respect towards it's customers without crafty ways of avoiding payment! Thank You

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

2/19/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In September I tried to contact someone about the fact I would be changing jobs in the beginning of October and I wanted to continue payroll deduction for my policy. I reached a Ms. ******** who said she would get back with me and that never happened. After a week or so I expected I would just get a letter in the mail since a premium payment had been missed, that never happened either. In October I called again, was transferred to several different representatives until I got one who advised me that I would be sent the necessary paperwork to complete, as nothing could be done over the phone. As of the middle of October, I still had received nothing. I saw that they did deduct my payments for both September and October as usual, so I wasn't too concerned. On November 12, 2013 I still had heard nothing, so I emailed Ms. ******** back explaining I want payroll deduction nothing else. She never got back with me and on December 3rd I called and was told it was $99.32 I owed and everything would be good. I was emailed the forms, which I have in front of me, but with the holidays in full force I lost track of everything. I then called on Jan 3rd and the amount had doubled to $198.64, and they refused to take any lesser amount to even catch me up to date, even after I explained that previously my premiums had been due in the middle of the month, not the beginning. My premiums are $49.66 due on the first. So I should owe $148.98 until Feb 1st. Nobody with Aflac will assist me nor will they respond to me, and I have had this policy for several years.

Desired Settlement: I want Aflac to make contact with me, and complete a phone call giving me satisfactory explanations of my policy provisions and options. I do not want to be transferred and disconnected with promises of forms and documents or phone calls to come that never arrive. I want to discuss the option of surrendering my policy that has lapsed due to their failure to complete a payroll deduction or accept a reasonable payment that did not require an extra month. I want quality custimer service.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

 
 
 
Subject: Complaint #*******
To: "************************* *************************>


Good afternoon,

I submitted a complaint which was assigned the above complaint number on January 6, 2014.  On January 13, 2014 Aflac responded to your inquiry by advising that due to privacy regulations, they would reach out to me to settle this dispute.  They have not made any attempts to contact me, and every attempt I have made has been futile.  An email I received from you on January 27, 2014 indicated that by your account this matter has been resolved.  Their lack of contact is what inspired the complaint in the first place, and at this point I have paid $3,029.26 into a policy that they will not grant me access to or respond to me about.  As my original complaint was shrugged off, I am not sure what steps to take.  Your website indicates that mediation is available, but I am unsure as to how to seek this or any other resolution without again being shrugged off by them once again.  Please advise me as to whether or not you are able to offer assistance in this matter.

 

 

Sincerely,

*** ** ****

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

2/19/2014 Problems with Product/Service
2/19/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Aflac overloads and requires so much paperwork from you that you eventually give up and don't complete the request. Aflac refuses to gather the information for you when you sign the information release form. Aflac is a direct cash reimbursement company and is a luxury , not a supplemental or primary insurance, therefore you should submit the claim and get a check in 7 - 10 days, as per advertised. As of now they are requiring diagnoses, date of service, certain approved facilities, outcomes, future appointments etc. Aflac is evaluating for payment like a primary insurance, again Aflac is operating outside of their scope of practice. I am a member since 1998 and up until 2009 never did not receive a check within 5 - 7 days. The representatives have shown amounts due, filed my paperwork and I still have not been paid. I pay over $ 2000.00 annually and am owed approximate $ 3000.00. Said I was paid $ 1450.00 in year 2011, still trying to find a record of that.

Desired Settlement: Aflac to modify their paperwork justification process and pay the desired claim. For example you break you arm and get $1000.00 then 2 years later you break your arm and you have been submitting again and again your claim for a year and have not got paid

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thank you,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** *******


 

 Number 1, I am not asking to divulge private or medical information, so the " companies policy to not give out policyholders information" is not applicable at this point.

 

Number 2, " company rep will contact the policy holder". Well it has been a week and even before the answer to BBB I could have been contacted. This is always the answer. As I stated " have had a rep come to my house and still could not get our entitled money" even after she filed.

I want the company to pull my records, get the information from the doctors and hospitals themselves as they have been permitted to do by my Release of Patient Information forms and send my benefits to me in 5 - 7 business days as promised. I will not accept: "wrong claim form". " injury not reported within 72 hours". " not an approved facility". "Need another diagnosis". " not a covered benefit". We have our policies and would not be filing if it was not covered, and some claims we have already done and been paid previously for. Remember I have been a member since 1998. Ask Aflac if they have record of the denied Heart Attack benefit denied a Los Angeles Fire Department "Captain" was denied approx 2008 - 2009 and the petition from the LAFD and other California Fire Department to cancel their policies. Eventually Aflac paid like it was a big publicity act. I will only represent myself at this point and if I cannot resolve this, then I alone will cancel my policy. That will be a measly $2044.00 per year loss for them, hardly anything for such a large Fortune 500 company. Thanks BBB for you attention, however I am exhausted just trying to get this resolved as a little person. As a Los Angeles City Fire Department Captain, I will not hesitate to spread the word of my dissatification of this Company, **** *******

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded them to the appropriate department to review and address.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

**** *******


 

 As of 2/3/14 I have received no resolve or attempt at resolve. Please post and make my complaint visual to the public. Mr. ****** as a spokesperson for AFLAC, your name on the signature line should mean more than a signature. Anyone can state" this matter has been referred to the proper person" . In my opinion that would be you, **** *******

Business Response:

Good morning,

We will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

Consumer Response:

[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 would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

Regards,

**** *******


 

 

2/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was recently taken off of work and placed on disability. I tried to file a claim with AFLAC on a policy that I've held for five years and my agent, ******* ******, denied my claim before even sending it to AFLAC, which is not her job. Ms. ****** has been working for my former employer for over 10 years. I feel that she is trying to protect them, a very large account, and not me, the consumer. I had to convince her to read the physicians statement and medical documentation that was attached to support my claim. After providing AFLAC with everything that they needed to know, I wasn't contacted for weeks. I finally went online and called to follow-up and couldn't access my claim using my social or policy number. I called on December 5th and waited on hold for over 10 minutes to speak to someone and was told that they had just received my claim, that day, even though I submitted it to my agent on November 21. The next day my agent sent me an email and said that I would be sent a letter regarding my claim and further information needed. Well, they sent a letter to an address I hadn't lived at for nearly four years. All of my info was updated on Dec. 6th. The letter was sent out Dec. 9. I didn't find out about the letter until December 17. It was requesting the same docs that I already submitted and a 25 page medical report. I attached three pages (diagnosis) with my claim merely for additional support; it wasn't required. AFLAC made it required that they be sent the entire 25 page report. This made me extremely skeptical since I am being represented by a WC attorney and my agent is working with my former job, as well as me. On Dec 18th, I called to cancel my claim because I felt like it was being mishandled and sabotaged. I also feel like it was strange that I couldn't access my claim using any of my personal info via online or telephone. It was like the claim didn't exist. AFLAC was supposed to send my confirmation that my claim was cancelled, by mail, and I'm still waiting.

Desired Settlement: Although I called to cancel my claim, out of frustration, I would like for ALFAC to honor my claim, using the documentation that they were already provided. I have ALL of my email correspondence with my agent and copies of documentation. I honestly feel like my agent is discriminating and sabotaging me to protect my former job, which is a very large account for her.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I do not trust that AFLAC will resolve this matter based on how they have conducted business with me over the past couple of months. I have email and other correspondence that I don't mind faxing to the BBB to support my claim. 

Regards,

******* ****


 

 

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

2/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I placed a claim on Dec 19th 2013 and they missed placed the claim to Dec 26th 2013, so they did not contact to let me know about the waiting process. I called them from Dec 26th to today (10) times about this claim. They that claim usually take about 7 to 10 business days, but it has been longer than that. I contact them yesterday and they stated they couldn't have the date on the paper and they made corrections in their system, because the date was on the paperwork that I sent in 3 weeks ago. Now today they are saying the hold was they didn't know where the location was, but that also was on the paperwork that I sent in 3 weeks ago.I do not know what the holdup is today of the process claim that I sent in on Dec 19th 2013. It's about to be a whole month just to process the claim.

Desired Settlement: I am still waiting for payment for the anesthesia portion of the claim.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

2/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Went to file a claim with my rep ***** * ******** on 12-18-13 sent him all my stuff plus the forms he dropped off too me to fill out. He told me takes about a week maybe two to receive the check. Called him on the 26 he told me he was on vacation he can check on Monday the 30 and let me know. He also told me too call him on the 30 to remind him to check on the claim. Called him on Monday he said he has a meeting from 12-4 and will let me know after that. Did not hear anything call on wednesday said that the girl that handles that has the flu. I told him I have bills coming in and needed that check! So I call a friend that has a different Aflac person and asked them too check the claim; she told me there wasn't a claim for me. So I called him back an asked him why I didn't have a claim he said he can't find my paper work and the girl is out with the flu and he doesn't know we're to find my stuff. I told him again I needed that check and that I'm very ****** off with this service. Then he shows up with all my stuff 2 hours and said he just sent it out. So I decided too sent the stuff he gave me too my friends Aflac person which she told me they are going to deny it because I need a statement from the hospital and I need to get a signature from the doctor. ***** told me that I didn't need that because I signed a release form. Now it's 1-10-14 more than 3 weeks later! now have to get a appointment to get a doctors signature also takes a week for the hospital to send a statement too me. Very disappointed will not be keeping my Aflac policy now witch I pay $1600 a year for. Lies after lies ***** gave me!

Desired Settlement: That Aflac know how ***** ******** is representing there company and that he cost Aflac 1600 a year from me!

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will forward to the appropriate department to review and correspond directly with the policyholder.

Thanks,

** ******

1/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had surgery on October 18, 2013. I submitted my first claim for short term disability one and a half weeks after my surgery, by mail. I contacted the company approximately two weeks later and they claimed that they hadn't received my claim. After receiving a new claim packet, via email, I completed and faxed back the claim. Two weeks later, I got a letter in the mail, stating that they my information was incomplete. Since then, I've been to my doctors office three times and have had them fax information to AFLAC twice, at my expense. To this point, all the can tell me is that my claim is being processed. They won't tell me what the exact status of my claim is or when orIf I can expect to see payment of my claim. They had no problem taking money for my premiums twice a month but they seem to be having a great deal of difficulty paying a claim. This is without a doubt the most unprofessional company I've ever dealt with.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I'd like the BBB to help get my claim paid. I've spent more money on gas, faxes and doctors fax fees than I should have had to.

Business Response:

Good morning,

We are in receipt of your BBB concerns.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

1/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This agency consistently has renegged on it's own service policies. My daughter is covered along with myself. This agency has taken money for a policy it CONTINUOUSLY fails to deliver on. Their reasoning is that the benefits for the policy have been paid yet they have yet to pay anything for her wellness benefits.

Desired Settlement: This is not a refund but fullfillment of claims made on the policy. My daughter has had two physicals and two blood draws under this policy. Per policy those wellness claims are to be paid. This agency owes my family at least $200.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

1/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I HAVE BEEN PAYING FOR AN AFLAC POLICY TO 10 YEARS AND FOUND OUT TODAY THAT THE POLICY THAT I HAVE BEEN PAYING FOR IS OUTDATED. I WAS NEVER TOLD THIS BY THE COMPANY OR ITS AGENTS OR REPRESENTATIVES. I HAVE FILED A CLAIM AND NOT ONLY BEEN GIVEN THE RUN AROUND FOR 2 WEEKS BUT I AM TOLD THAT THEY WILL NOT COVER ANYTHING THAT THEIR PRODUCT OR POLICY ADVERTISES. I HAVE FILED NUMEROUS COMPLAINTS WITH THE OFFICE AND THEY HAVE BASICALLY REFUSSED TO HELP OR CORRECT THEIR NEGLIGENCE. I DO NOT FEEL THAT THIS IS RIGHT I HAVE BEEN PAYING THEIR COMPANY FOR NOTHING AND AM GETTING JUST THAT NOTHING. IT IS NOT FAULT OF MY OWN I HAVE NOT BEEN TOLD ANYTHING OR GIVEN ANY UPDATES. THIS COMPANY HAS FRAUDELENT CLAIMS ON THEIR ADVERTISING AND THEIR WEBSITE AND MISLED THEIR CUSTOMERS AND TAKE THEIR MONEY AND GIVE NOTHING BACK.

Desired Settlement: I WANT MY PREMIUMS TO BE REFUNDED BECAUSE I HAVE NOT BEEN GIVEN THE SERVICE OR POLICY THEY CLAIM TO HAVE AND THEY REFUSE TO CORRECT THIS.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

****** *****


 

I do not accept this business response. The company AFLAC contacted me several times and claimed that they were working with me to resolve the matter and they were helping me. They have not done anything except give me the run around and pass me off to different individuals. They are not a respectable company they continue to scam and hurt peole and nothing is done. Each person that has called says they are speaking to someone else and going to help then a different person calls and says the same thing.  

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

1/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for aflac 8-13 policy effective 9-1-13. I have the hospital confinement. I had a fall on 8-27-13, went to dr 9-6-13 after effective date. Local agent provided me with wrong information that due to a accident the 30 hold period would not be held. I seen surgeon on 9-6, and she, ******* ******* provided me and the drs with the "proper" paperwork needed. Surgery was 9-26. Now that it is time to pay the claim they are stating that I wasn't effective till 10-1-13 Dont you think as a consumer, tax payer, I would WAIT till after 10-1 for services?? Not according to Aflac, I was covered. Now i get excuse after excuse that all paperwork is submitted, and will be expeditiously worked on, Nov 26, 2013 was told payment would be received in 4 days, minus the holiday that fell in there. Still nothing. Then told I didn't have this signed or this signed, when another agent stated on the phone that most my paperwork was submitted in triplicate??? yet not enough paperwork. Now I am told it was the wrong paperwork. I feel that they want to take your premium but when its a big claim they back track their way out of payment! Now they want to see if i want my premiums returned to me versus a possible denial. How is their errors lay on the consumer and dr doing everything that is asked of them?? I have already filed with the state of ** Dept of Insurance. Something must be done about this!!

Desired Settlement: I believe that after all the phone calls and false promises, and the fact that the agency is at fault for false information, and due to the dates....they should have to follow through and make the required payments. no wonder why they have lots of money. Hard earned money from the consumer that when it is a large claim they will do what it takes to not pay. I have heard every lie and excuse for months now. How should I the consumer be responsible for their errors???

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be reviewed and addressed directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

 There has been no resolution to any of this. I was reassured on Dec 27, 2013 that I could follow through with a 80 mile trip to my doctors office and complete this so called missing paperwork. They assured me that everything was faxed successfully, and indicated that due to my injury the 80 miles in -25 below weather would be horrible, but assured me once again. I get to town and to my dismay once again, the nurses and doctor had no idea what to do as there was never anything faxed. It was another wasted trip. I have made contact with the ** Insurance Commissioner, as I feel even the BBB is in the pocket of Aflac. I get told one thing and yet nothing ever happens. Therefore I am not pleased with any "outcome" as there is no outcome.

Business Response:

Good afternoon,

We have forwarded these concerns to the appropriate department to review and correspond directly to the policyholder.

Thanks,

** ******

1/23/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had short term disability as well as accidental and sickness and and the policies were cancelled. However the premiums were still coming out of my payroll and at the same time the policy had been cancelled.I contacted the regional sales coordinator who told me a check had been mailed to me, unfortunately it was some unknown address and the premiums haven't been returned and I'm not covered. I was told that the money was in a third party back account but this is the same bank account that AFLAC had previously withdrew my premiums from.

Desired Settlement: I would like my policy reactivated versus requesting reinstatement.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.

I  made  contact  worth  the  business  prior  to  this  complaint  to  no  satisfaction I  would  like  my  policy  reactivated  as  the  cancellation  was  not  due  to  any  error  on  my  behalf.

Regards,

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


 

 

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

1/14/2014 Problems with Product/Service | Complaint Details Unavailable
1/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I Purchased an Aflac policy in 2011 thru my job and I upgraded it on Jan 2013 to include disability and life insurance and I was assured that this was a good policy. The agent assured me that this was a good policy and when I needed it that it will be there. So I went out to have surgery on Nov 22, 2013 before I went out our local Aflac Reps were at the job and I asked again about the policy and I was told about the 14 day waiting period for the type of surgery that I was having. I was told that a check will be issued on the 15th day I filed all of the proper paperwork that I was told to file by the agent. I have been out of work since Nov 22 my claim was denied I was told that I have not been out long enough I asked why I was told that the doctor's office filled out the paperwork wrong. I had the doctor send the corrected paperwork a week ago I called to call center today to check the status of the claim and I was told that my paperwork can't be found. I am in danger of losing my car and my phone and electric will be shut off soon I have to take my daughter out of school because I can't afford to make a tuition payment. They don't have any problem taking money out of my paycheck thru payroll deduction but when it comes to paying you for any injury there is an issue. I have depleted my savings account just for gas and food. My coworker has been back at work for almost a year and she has just received 11 checks from Aflac 2 weeks ago that was due her when she was out. As of today I have been out of work for 34 days and no support from Aflac so the ducks lies

Desired Settlement: I want to hear from someone in management

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,
** ******

1/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: ###-###-#### FOR THEIR OFFICE.., I RECEIVED AN AFLAC DENTAL INSURANCE ON 01/15/2012. AFLAC DENTAL POLICY # ********. VERY IMPORTANT INFORMATION WAS FAXED TO YOUR OFFICE ON 08/30/2012.., THE ABOVE IS FOR YOUR INFORMATION, DUE TO BANK BEING JP MORGAN IN SYRACUSE, NY. IT IS DUE TO THEY CANCELED MY ACCOUNT DUE TO THEIR JP MORGAN BANK IN SYRACUE NY WAS IN THE USDOJ LAWSUIT Click here: JPMorgan Chase Lawsuit: New York Attorney General's Suit Is First For Task ForON 08/30/2012, IT WAS FAXED TO THEIR OFFICE TO THE ATTENTION OF ****** ******.THIS IS THE DENTIST THEY HAVE NOT PAID DUE THEIR BANK BEING IN A FEDERAL GOVERMENT LAWSUIT.Dr. ******* ** ********, DDS **** ********* ************** ** ********) ******** (Office)###-###-#### (Fax)THIS IS SS ID FRAUD AND MEDICARE FRAUD.., THEY HAVE INCREASED THE BILL TO OVER $700.00 AND WILL NOT REPLY TO PHONE, EMAIL OR ANYTHING.

Desired Settlement: TO FOLLOW THEIR POLICY AND PAY OFF THE BILL AS THEY ARE REQUIRED.***** ** *****

Business Response:

Good afternoon,

We are in receipt of this BBB. Due to privacy regulations, we will have the appropriate review and respond directly to the policyholder.

Thanks,

** ******

1/10/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: For weeks we have been battling with AFLAC, who continues to withdraw money from my deceased father's bank account for the cancer insurance he had, despite his death and cancelling his policy. They have even deducted premiums weeks after they confirmed that the policy had been cancelled. We have sent them death certificates, copies of the trust, bank statements, but to no avail. We have finally shut down the bank account so they can no longer take his money.AFLAC owes us $31 for the two months' premiums they deducted after his death, plus compensation for all of the grief they have caused while we try to deal with our own loss.

Desired Settlement: AFLAC owes us $31 for the two months' premiums they deducted after his death, plus compensation for all of the grief they have caused while we try to deal with our own loss. And a heartfelt apology would go a long way, as well.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

1/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: On July 25,2013 An sales Agent {Mr ****** *******} was allowed to enter Local Teamster local Union *** Located ********** **** to sale union members Short Term Disability Policy. The above agent only provide limited information such as what cost would be and claim member would receive A Discounted rate of 47%. At this time I ask very detail policy matter in ref to my own on-going health issue {***** **** ****** *** ***** *****} and ask this agent If this policy would cover my condtion he stated "YES" after the 30 days after policy start Date. On 10-1-1 my Short Term Disabity stated In Early November { After 30 Day Waiting Date} I was forced off-work by my company due to ***** *****. I filed an claim to Alfac and was denied bas on Refused under Sickness / Effective e date policy. I had an personal Attorney read the Short Term Disability It clear lack information not give to Agent and all complexing important matter such as Pre-Existing Conditions Limitations Under Defintitions under Sickness States " Disabilty will not be covered unless it begins more then 12 month After the Effective date of coverage" So in fact none personal Health matter would be pay or honoured until after 12 months. This Agent acted in Bad faith ,lied about when policy will go into affect . This Agent also engaged in Bad Business Practices by own info in which he false claim Union member will be discounted 47% which is false . I have also canceled this policy last week. I have also filed complaint to ******** ** ******** Life And Insurance Guaranty in regards above matter since this policy was written under ********* ***.

Desired Settlement: Full Refund Denied Claim per my Policy $2,300 month off work . The above agent should be reported to ALFAC HQRS due to nature of his sales this which in my opion is insurance fraud.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded this information to the appropriate department to be reviewed and addressed directly with the insured.

Thanks,

** ******

1/10/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My complaint is that AFLAC took my money for 11 1/2 months, provided me with horrible customer service, lied and was not a benefit after all. The complaint is sort of a story so, I will provide you with the problems as they occurred in bullets. My (******* **********-Policy Holder) wife was not included on one (1) of my four (4) policies with AFLAC.The representative for AFLAC with ***. Government (***** ******- can no longer be reached (only had email address) no longer working *************************) admitted to me that she forgot to include my wife on one of my four (4) policies with AFLAC and admitted in an email that she needed to contact headquarters and "take care of it". My (******* **********-Policy Holder) agent (**** *******l- ###-###-####; *********************************) was never reachable and his staff promised to fix this issue once in February 2013 and again October 2013 via telephone and never did. We (The ********** Family) were not able to file a number of claims using our Hospital Indemnity Policy, because ******** ********** was never added to the policy.We (The ********** Family) were only able to file 1 claim over one-year using our Accident Policy which was a pay out of approx. 300.00. That is the complaint. We are paying this company to provide us with a benefit in case of an accident, hospital confinement or specified event that occurs withing the time period of January 2013-January 2014 and we cannot use the benefit, in the way we need or want.

Desired Settlement: We (The ********** Family) paid AFLAC approx. 1,984.00 from January 2013 until today and we would like all of our money back. The only other settlement that we would accept is;A pay-out in the amount of 1,984.00 (or the full amount paid to AFLAC for all active policies during the effective period; whichever is highest) minus the amount of all claims paid out to us.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the policyholder.

Thanks,

** ******

1/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I carry AFLAC accident insurance through my employer. I was involved in an accident 8/22/2013. Since that time, I have filed my claims as they have requested; supplying information via mail and email attachments. I have spoken to them numerous times and have sent the details/documents they have requested. My claim has been delayed, denied and basically, ignored. This case was originally opened in August and I am still trying to obtain benefits from the submitted information. I feel the AFLAC representatives I have spoken to are not being honest about documents needed and each one has asked for more and more...yet, they are never consistent with their specific requests, therefore, after allowing the "time to process" and follow up phone calls, I am still in a quandary over what is truly needed and now they are denying what I feel, is a justifiable claim. I have also contacted the agent of record to no avail. This is a health claim, so I am sure they will declare confidentiality, however, they should have documentation of what was been requested, what was received and our conversations, if not, I can provide them. It should be noted they have paid SOME of my claim. (I do have my employer working on this claim as well, also with delays.)Thank you for any advise/suggestions...on how to pursue this.******* **********

Desired Settlement: They need to pay the claims as stated in our signed contract as to what they will pay for accident claims in a timely manner and what the contract state they will pay.

Business Response:

Good afternoon,

We are in receip of this BBB complaint.  Due to privacy regulations, we have forwarded these concerns to the appropriate department to be reviewed and addressed directly with the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

I have read other AFLAC complaints and it appears this is a standard reply.  While the material, is, in general, sensitive, they have already involved other parties (i.e. broker and agent of record) and did not need to disclose or violate HIPA.  I would expect a different resolution ...

 

Business Response:

Good afternoon,

We are in receipt of these concerns. We have forwarded these concerns to the appropriate department to review and correspond directly to the insured.

Thanks,

** ******

Consumer Response:

[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 do want to note that AFLAC has made a recent payments to my claim, however, it is still ongoing as there are still pending submissions "under review."

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.

 

Thank you

Regards,

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


 

 

12/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a policy with Aflac I have been trying to cancel for 5 months,fellow employees have been trying to cancel as well. Aflac has been deducting money from my checks every two weeks. The agent ******** ******* is bad news-she is running such a scam...avoiding peoples calls-you can never reach her and she dosnt return your calls. I have talked to many other people affiliated with aflac about my issues and some have said oh yes, I see your information on the screen and I will flag that account put cancel on that policy and you should have no more problems. Or I get someone who says this is not something I can cancel your employer has to do that.I go to the employer and they say that Aflac has to cancel that.******** sent me a form in the mail to cancel- I filled it out and sent it back via mail-she said she never recieved it. I filled another form out for Aflac to cancel and gave it to them- they still deduct money from my check.I have even contacted someone from Aflac corporate office who claims to be the special investigator-his name is **** *****-****************...ph.###-###-#### He said he would cancel it and give me a refund ,he didnt do anything. I recieved a check after talking to another person affiliated with aflac( I told him my next call would be to the BBB.) The check was in the amount of 33.28 (One months premiums) They said they didnt have proof of anything else.The Balance - They owe me for 4 months worth of deductions equals to 133.12 Proof? I am sure if you investigated my phone bill you might find aflac numbers dated back 5 months.I work for the *** ****** store...There are other employees located at the ******** store that are trying to cancel their policies..She needs to be stopped..Money needs to be refunded....Thanks ****** *** DesiredSettlementID: Refund Product_Or_Service: accident insurance

Desired Settlement: That she be stopped from scamming anyone anymore and that I recieve my 133.12 that is owed me and that my fellow employees also recieve their refunds in ********, **. Also a letter of apology be written by her that whatever hardships and stress I have encountered due to her actions that she sincerely apologize for.

Business Response:

Good morning,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

12/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased both a short-term disability and hospital indemnity policy from Aflac. On August 21, 2013 I fell, injuring my ***. Unfortunately, the injury was somewhat complex and I was seen by five different ************. To add insult to injury, Aflac has been avoiding making payments to me, stating that the paperwork that they needed was not filled out adequately. Even though I have been out of work since 8/21/2013, to date, Aflac has only paid me through 10/7/2013 and this was only recently and after much effort. Despite speaking (Aflac representatives phoned more than one of my physicians) to the medical staff and having more than ample documentation proving my injury and that I need extensive surgery to repair my ***, Aflac continues to refuse to pay me per my policy. I have been in regular contact with my local representative, but I keep getting excuses such as "paperwork is backed up because of the holiday" and "the paperwork may not be adequate", even though the other insurance company I have, ****, approved my claim weeks ago through my scheduled surgery date of 1/13/14. Additionally, the documentation that Aflac is saying is "inadequate" is almost identical in content to that sent to ****. I understand Aflac's need to ensure an actual injury, but I have more than proven a legitimate injury and need to be compensated immediately per my policy.

Desired Settlement: I wish to be paid per my two policies in an expedient manner.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we have forwarded this information to the appropriate department for further research and will correspond directly with the policyholder.

Thanks,

** ******

12/23/2013 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: AFLAC BBB COMPLAINTI was enticed to join AFLACs supplemental insurance group policy through a presentation I was required to attend at my work place in ********** ***** ******* ****. In that presentation we were told of all of the benefits offered by signing up for this wonderful opportunity to have money paid directly to you in your time of need when you need it most.My experience in trying to obtain what was promised in that presentation, in their on-line information, their endless television ads and the promotional and benefit packages I have reviewed is a far, far cry from what I have experienced with them since my accident in May of 2013.I have had to send countless e-mails and file numerous second, third, fourth and even fifth claims to obtain what their information clearly outlines as my being entitled to in the form of reimbursements for my accident expenses which in total amounted to over $20,000 and I still have lingering effects of it.Their benefit information packet states that hospital confinement will be covered for $200 per day for up to 365 days per covered accident per covered person. My hospital bill and my physicians statement both clearly show that I was hospitalized for four days May 21, 22, 23 and the 24th. AFLAC has denied my claim for the fourth day for no explainable reason. I was not dismissed from the hospital until around 7:00 p.m. on Friday, May 24th. How can that claim for a fourth day continue to be denied? I am at a total loss and have had no reasonable explanation from AFLAC on my $200 payment for it.Secondly, their same packet and in their presentation at my work place, they promised $200 per year per covered person for major diagnostic exams such as an EKG. While hospitalized, my physicians saw it necessary for me to undergo such a diagnostic exam yet AFLAC refuses to reimburse me for that item as well and again for no explainable reason and in total opposition to what we were told when we were being recruited to join their plan and in their benefit packets.Finally, again in their presentation and in their benefit packets, policyholders are entitled to a $60 wellness benefit once per 12 month period after the policy has been in force for 12 months for items such as dental examinations. I filed for that benefit several weeks ago and have never been compensated as outlined in both their presentation and their benefit packages.I am at my wits end and am turning to both the BBB as well as the **** Attorney General to see if they can have more success than I have had in making AFLAC honor their promises and pay these rightly deserved benefits as they outlined in both their presentations and their information packages. They are guilty of either misrepresenting their products and benefits or stonewalling me in order to not have to pay what I am undoubtedly entitled to receive, if not both.I want my deserved benefits as outlined above in the amount of $460 paid to me and in a timely manner and not require me to appeal four or five more times.

Desired Settlement: I want my deserved benefits as outlined above in the amount of $460 paid to me and in a timely manner and not require me to appeal four or five more times.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we have forwarded these concerns to the appropriate department for further review and we will correspond directly with the insured.

Thank you,

** ******

Consumer Response: From: Jim Warren ********************
To: **** *************************
Sent: Sun, Oct 13, 2013 7:42 pm
Subject: FOLLOW UP ON COMPLAINT AGAINST AFLAC - BBB # *******

Attached is my response to AFLAC's reply concerning the aforementioned BBB complaint I filed with you earlier - I want it on the record at I am totally unsatisfied with their reply and their complete lack of concern for my plight.

I would not allow AFLAC to insure my pets!

They are uncaring and unprofessional even to the point of sending out unsigned letters as well as placing line codes on checks when they deny coverages and then blaming individuals for not being able to properly interpret their meanings.

Unreal!




BBB COMPLAINT CASE # ******* – AFLAC

MISREPRESENTATION OF SERVICES AND FAILURE TO HONOR THEIR OWN POLICIES

AFLAC LETTERS DATED OCTOBER 8, 2013

CLAIM #:  ********* – COVERAGE ID#  **********

 

I once again received two unsigned letters from unidentified individuals (I guess) identifying themselves as only the Appeal Department, with which I and my fellow employees have become very familiar with as they continually stonewall every avenue to be compensated for the damages suffered in my accident as outlined in both their presentations at my place of employment as well as what was outlined in the handouts and pamphlets distributed at that time and again from our local representative.

 

I shall address their inadequate responses item by item and want them and the BBB to acknowledge that there is absolutely no offer of a possible agreement or even to a “meeting of the minds” let alone an adequate offer to settle this dispute.  I shall continue to fight for my rights as presented in their at work presentations as well as in those documents they presented at that time. When one receives an unsigned letter there is really no way to adequately address their concerns to the proper individual or the “decision maker” as his been the case in my experience with AFLAC from the first day of submitting my claim.  It has been nothing but denials and stonewalling and resubmitting forms that were already in their possession.

 

Also in survey of my fellow employees after having received the second of AFLAC’s inadequate replies, I found that up to 80% of them have encountered the same stonewalling techniques that I have encountered in my experience with AFLAC.  We are planning to approach our employer about finding an alternative insurer for our supplemental insurance coverage in the near future as a result of our complete frustration and AFLAC’s stonewalling of our legitimate claims.

 

ITEM 1:  EKG BENEFIT

 

Their letter states:  “We provided the maximum Medical Fees benefit of $125.00.  There is no separate benefit for an EKG.” (which is now defined or called an EEG)

 

What we were told in their presentation and what is stated in their “Accident Indemnity Advantage” pamphlet provided to me:  MAJOR DIAGNOSTIC EXAMS section: $150 - “Payable when a covered Person requires on of the following exams for injuries sustained in a covered accident and a charge is incurred:  . . . . electroencephalogrpahy (EEG).  No lifetime maximum.

My hospital bill as well as my physician’s statement clearly indicate that this test was required as a result of my accident and clearly show those charges yet AFLAC continues to stonewall my reimbursement payment for it.

 

ITEM 2:  PAYING FOR MY HOSPITAL STAY OF FOUR DAYS

Their letter states:  “On the 9/16/13 EOB (whatever that is) we asked for an itemized hospital bill showing dates for actual room charges.  We would be able to pay an additional Hospital Confinement benefit if you were charged for 4 days, however, without an itemized bill we are unable to provide an additional day of hospital confinement.”

 

As for an EOB? – is that their lines of code on checks that are so small you need a magnifying glass to read them?  As for “itemized bills” nowhere in their sales pitch or in their pamphlets are requiring “itemized bills” stated or listed.  Their pamphlet states:  ACCIDENT HOSPITAL CONFINEMENT - $200 per day up to 365 days per covered accident per Covered Person – “Payable when a covered person is admitted for a Hospital Confinement of at least 18 hours for treatment of injuries sustained in a covered accident.”

 

My hospital bill and my physician’s statement clearly show that I was admitted to the hospital on May 21 and continued to remain there on the 22nd, 23rd and the 24th.  If “itemized bills” are required for such reimbursement, why are such issues buried in the fine print of their documents and not covered in their presentations when we were promised the “AFLAC” family of protections?

 

ITEM THREE: Payment of Wellness Benefit – now their claim again is that I never submitted the required claim!  Not only did I submit such a form for a second time, I attached in my e-mail to my local representative but “we have no record of receiving a Wellness Claim”, how convenient!

 

I am very upset by these form letters, no contact information by name and the continued stonewalling presented by AFLAC who continues to disappoint me with both their attitude doubting my following of their required protocol but also their lack of concern for my continued struggles with overcoming my accident.  I will do everything within my power to make certain that my employer as well as our several hundred employees know exactly how shabbily I and my fellow employees have been treated by AFLAC – shameful!

 

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

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly with the insured.

Thanks,

** ******

12/23/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In April of 2013 I purchased Aflac short term disability which I was told covered on the job injuries. On September 12 of 2013 I was deemed disabled by doctors after I had surgery. I filed forms with Aflac and was paid for the disability. I filed another claim on November 22, 2013 and now they tell me that it does not cover on the job injuries. I have already received 2 checks that now they tell me I need to pay back. Before I sent in the initial claim I called and was told that it did cover on the job. Now that I have been terminated from my job because I cannot do the job do to the injury all of a sudden now I am not covered. Product_Or_Service: Short term disability

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like my benefits to continue

Business Response:

Good afternoon,

We are in receipt of the BBB concerns. Due to privacy regulations, we will review and respond directly to the policyholder.

Thanks,

** ******

 

12/23/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Over the course of the past five years or so, I have periodically received emails from different people at Aflac in an effort to recruit me to their sales team. Each time I have respectfully requested to be taken off their email list as I am not interested in working with Aflac. Back on September 4th of this year, I got another such email from a ****** ***** at Aflac, attempting to recruit me again to the sales team, to which I gave the same reply, requesting to be taken off Aflac's email list. On September 5th of this year, I received confirmation from ****** that I would be taken off Aflac's email list. On September 13th of this year, I got another email from ****** *****, again trying to recruit me after confirming less than ten days prior that I would be taken off Aflac's email list. I again, more firmly this time, requested to be taken off Aflac's email list. This time, I didn't get any type of response at all (not even confirmation that I would again be taken off the list). To my dismay, I received another email from ****** ***** on November 1st of this year, again, trying to recruit me. I am considering this harassment and need help getting Aflact to simply stop contacting me.

Desired Settlement: I simply want to be finally taken off Aflac's recruiting list permanently. I want to stop Aflac from contacting me.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will forward these concerns to the appropriate department for review and will respond directly to the insured.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

 Basically, the response I got from Aflac is that they will take me off their list but they can't guarantee that I will stay off their list. At this point, I am not okay with  continued harassment regardless of their excuse as to why they tell me they "don't have to" follow my request to be taken off the email and phone list.

Business Response:

Good afternoon,

We are in receipt of these concerns and have forwarded them to the appropriate department for further review.

Thanks,

** ******

12/12/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Around June/July an AFLAC represenative came to a company training and provided me with insurance information. I DID NOT agree to a policy because I needed to speak with my husband. I was still supposed to sign indicating that i received the information, and MY information was supposed to be put on hold until further notice. Due to personal reasons I was unable to get back to the represenative. All of a sudden I was getting the premium taken out of my paychecks. Eventually I was able to get this deduction stopped but by then, around $85 had already been taken out. That is about 4 paychecks. The represenative did not return my phone calls in a timely manner so I contacted customer service. I was told the I would receive a check in 2-3 weeks. About a month passed and i got nothing so I again called customer service. I also called the represenative but never heard from her. This time i received a letter asking to put something in writing indicating that I wish to terminate the policy.I did this and faxed the paper in. Again I was told 2-3 weeks and I would get my check. As of 11/12/13 i have not received my check and it has again been about a month. This time i received a letter saying that their records indicate that i do not get reimbursed. I called customer service and this time i was told that i needed to put in writing that i never wanted the policy. I was NEVER told to do this before. EVERY time i have called them since this whole problem started i have said that i NEVER wanted the policy and was NEVER told to put it into writing. It has been MONTHS and i have just been led in circles.

Desired Settlement: All that I have been asking for since the beginning is to get my money back. It is around $85 or so. What they took from me is what I want back.

Business Response:

Good morning,

We are in receipt of this BBB complaint.  Due to privacy regulations, the appropriate department will review and correspond directly to the insured.

Thanks,

** ******

12/12/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Premiums have been taken out for 2 years with the exception of 3 months out of work. Never received a letter of cancellation, too much going to think about it. However when returning to work, installments were once again taken out of paycheck in Katter part of 2012. In September 2013 tried to file a wellness benefit and was denied. Was told "Union moved accounts around and have not informed us." Two months later called back. Now we are being told that our coverage was cancelled in March 2013(?). If so, why weren't we informed and why has our monies still being taken out of our paycheck? Why do I have to find out in November 2013 when filing again for a benefit claim that we have been cancelled and why are you still taking our money and not honoring our claim/policy. I just don't know why you treat people like this.

Desired Settlement: A better system worked out. You say you notified the ******** plant. Why didn't you notify us? You have all our information- It is just wrong to treat people like this. What if something was seriously wrong? What kind of compensation is the blame game?

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, these concerns have been forwarded to the appropriate department for review and we will correspond directly with the insured.

Thanks,

** ******

12/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for Aflac Accidental Policy through my company. I was injured on the job where I received a *********** I was sent to the doctors where I received *** ****, ******** ******* sessions, and other testing. I called the company to file my claim only to find out that my claim had been canceled for non payment. I checked my paystubs and every week money was being taken out for Aflac. My agent called me and stated that it was an error on their part and will work on fixing it. He kept telling me in a week it should be set. However it has been 4 weeks and still nothing has been done. I may soon take legal action.

Desired Settlement: I would like to be compensated that money that I am owed through the services that I was paying for.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint.  Due to privacy regulations, we will have these concerns reviewed and addressed by the appropriate department.

Thanks,

** ******

12/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: AFLAC has been charging me a higher rate with expectations of providing for me a higher pay out for my short-term disability. This occurred originally in May 2013. We settled that instance and agreed that in the future I would be charged less on a bi-weekly basis, and would therefore receive the lesser pay out accordingly.However, I was never charged the lesser amount. I have even called AFLAC to remind them to begin charging me less. I was told that my account was flagged to be changed.NOW, in November 2013, I am still being charged the higher rate-as can be proven on my most recent pay stubs. However, I am out on ********* ******* and going in to ******* ** **** in less than 8 hours. AFLAC is again denying me the higher coverage even though they have continued to charge me the higher rate. When I spoke to an agent I was told that I would be refunded the overage that I was charged. I do not feel that that is fair or sufficient. What is to stop all insurance companies and otherwise from doing the same?

Desired Settlement: I feel that the comparable pay out for what I was paying into my Short Term disability plan is fair and reasonable.

Business Response:

Good afternoon,

We are in receipt of this BBB complaint. Due to privacy regulations, we will have the appropriate department review and correspond directly to the insured.

Thanks,

** ******

12/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am emailing regarding my short term disability policy with AFlac. I signed up for the policy in April of 2009. When I signed up for the policy I was a kindergarten teacher within the ********** **** School District making about $22,000. In August of 2012, I left ********** **** School District and took a fourth grade position at ****** ******* Schools making $43,000. When I left ********** **** School District (****) Aflac could no longer automatically take out my monthly dues, so I made arrangements to have it automatically debited from my bank acct. When I was an employee at **** it was an automatic payment from payroll, since ****** doesn't offer AFlac I made the arrangements for personal debits. (Just wanted to make sure that was clear) At that time I told them my salary change and they said it would be noted, paperwork would be sent out and my monthly payments would be adjusted accordingly. The company never did so. I attempted to call my representative several times, but never a return call. Finally, in July (July 11th to be exact) I called to receive maternity paperwork for my short term disability. I asked at that time for paperwork to be sent out again and for adjustments to my pay. Again, nothing - after several emails (I have them all) I was finally told that my rep was retired and given another name. I have met with him as well at my work place and he told me we could resolve it by prorating things. I would have to make the differential payments to have my compensation pay go up. He told me the figures and said he had to get approval from his regional manager. After three emails to him and no response from him now either I feel I have no other choice, but to turn to you for assistance. I have less than a month left and the company is taking their good old time to resolve issues and ignoring emails.

Desired Settlement: I would like to receive the compensation I'm supposed to receive based on my salary. I had no problems prorating things ... I do have a problem with lack of customer support and final results. I feel they're now responsible for the compensation. I'm doing all the leg work and they're doing nothing. This is a company that can track emails and phone calls, I've provided them with dates, emails, phone numbers, and emails, and have taken my time to meet with them and call them, but NO results.

Business Response:

Good afternoon,

We are in receipt of these concerns.  Due to privacy regulations, we will forward these concerns to the appropriate department to be reviewed and addressed directly with the policyholder.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

***** ******


 

 I have reviewed the response from Aflac stating that short-term disability recipients can not increase their coverage once they leave a place of employment that is not Aflac affiliated.  After initially calling Aflac in August of 2012, talking to several representatives over the course of the year, meeting with a regional manager during my plan time (since I'm a teacher), I do NOT know why it's taken until now (October 7th - the date of the letter) for Aflac to respond that they cannot do this.  If they couldn't have done this, wouldn't it have made sense to tell me, the customer (since 2009), that I could sign up for a different policy, a family policy, or something where I could increase my units based on my salary so that I would be properly reimbursed?  Since Aflac logs all of their conversations, I welcome that to be checked because it was never ever mentioned or offered.  In fact, the only thing that was offered was paper work to be sent home to increase the policy.  When I didn't receive that.  The regional manager, **** ******, offered to do back payments - in other words increase the amt. I would have to pay a month over the course of a year so that once I was on maternity leave I could receive the appropriate amt.  His figures were instead of the $26.40 I was paying it would go up an additional $30 / month.  This would be multiplied over the year I was employed at a non-affiliated Aflac agency.  I would therefore receive the appropriate rate of $1900 instead of $800.  Rich also told me he'd be back in contact with me after a week and that was at the beginning of September and he has yet to return a phone call or email.  

 

There are hundreds of thousands of people that work for non-affiliated Aflac agencies and choose to take out policies on their own with Aflac.  I do not understand why an agent would not have offered appropriate coverage when my salary doubled.  It's not like I only called once or just spoke to one person, there were a multitude of people spoken to throughout the course of a year.  You mean to tell me no one knew this information until I fought it?  I find that very difficult to believe.  I teach children on a daily basis to be accountable for their actions, yet in the "real world" / corporate world I suppose that doesn't have to happen.  

 

I am therefore still filling a complaint with Aflac to maintain their integrity and upgrade the policy as several representatives and regional managers said they were able to do.  The amount I should receive should be $1900 not $800 and at this point I feel I shouldn't have to make all the back payments since I'm doing all the leg work and they're changing rules as they deem necessary.  Everything is clearly outlined in my policy - never does it state that I can't upgrade if Governor ******* cuts the budget and I lose my teaching position in an Aflac affiliated school and I find an alternative teaching position within a charter school.  Not to mention, the fact that Aflac themselves did not seek out my current place of employment to be affiliated with Aflac.  It is the job of representatives within the area to seek out and set up appointments within local businesses / schools / etc... and get accounts.  I should not have to suffer because they did not do that.  Nor should my family be short changed because they didn't offer different coverage if they supposedly knew they couldn't raise my units when my salary nearly doubled.  

 

 

Business Response:

Good afternoon,

We are in receipt of this complaint.  Due to privacy regulations, we will have the appropriate department review and correspond directly to the policyholder.

Thanks,

** ******

12/9/2013 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This business harasses customers and prospective customers. They lie about who they are and why they are continuously calling. They go door to door and again misrepresent who they are and what they are there for.They call job searchers and say they are hiring for legitimate jobs. They lie and say the are recruiters, but they are telemarketers that are searching for more telemarketers.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the office to be stopped from this unethical and deceitful practice.

Business Response:

Good morning,

We are in reciept of this complaint.  Due to privacy regulations, we will forward to the appropriate department for further review.

Thanks,

** ******

Business Response:

Good afternoon,

Due to privacy regulations, we have forwarded these concerns to the appropriate department for further review.

Thanks,

** ******

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

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


 

 There is no response listed.

12/5/2013 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Also, I would like to mention that it is challenging to have a new hire come in to take care of my account every time I need something. I feel like they don't know the products well and are not able to assist me in knowing what doctor visits are eligible to claim. They say, "let me find out" but I don't hear back until they randomly show up a month or two later and by that point I have no idea of where we left off - nothing done in a timely manner. I know that our original guy that worked with you on signing us up on our policies was "let go", however, whenever he would come in, he would have the forms pre-filled out, then he would sit down with me and make sure they were completed and then take them and submit them. It was painless. Since *****...he is great WHEN I CAN REACH him, but even then, he may (or may not) supply the forms and if he does, he may put my account number on there but does not help with anything else. Also, I go to the doctor quite frequently and I am sure that I could fill out claims for that, however, I do not have a comprehensive understanding of what or how they would fall into one of the 3 policies I have. I thought I could just say (to our Aflac rep that I know because I see the same face and person everytime), " Hey, I went to the doc for this..." and the Aflac rep would say, "We could place a claim under your ...policy. Here are the papers and let me help you and I will submit them." Perhaps I was wrong in my understanding that is what reps were here for....I do not have confidence in my rep or the few new hires they send my way - I would greatly appreciate an update on the status of income differential for my short term disability for ********* ***** as well the time differential of the 30day when it should have only been a 7day waiting period.Also, I would like a stable rep that knows me, our account, our policies and who I can count on.When I signed up for Aflac - I signing up with a gentleman who was IN-TRAINING and accompanied by his supervisor, *** ****. I chose an Accident, Cancer and Short-Term Disability policy for myself. I chose a short-term disability because I have ******** ********* and if I have a flare up, it can last one day to an indefinite amount of time. Now that being said, with my employer paying 100% of my Aflac premiums, I am certain I signed up for the 7 day waiting period (the best coverage there was) as I do have to be out from time to time with flare ups or complications. It wasn't until a few years of having my Aflac policy and encountering my first short term disability claim with ********* ***** that I found the problems with my policy. When I received the Aflac payment from ********* *****, I was appalled at the payment - it was less than 1/2 than what I expected. First, I was told I had a 30 day waiting period and I were to only receive 55% percent of my salary. Regarding the waiting period - I clearly KNOW I signed up for 7 day waiting period NOT a 30 day, as I mentioned my employer paid 100% of the premiums and because with my flare ups - I am usually only out 2-3 weeks (in which a 30 day would not make sense for me). And In regards to salary; when I signed up, my salary was $75,000 and I was NEVER told to contact Aflac if my salary were to change - NEVER, NEVER, NEVER TOLD THAT!!! The year after I signed up for Aflac, my salary increased from $75K and I grossed over $90,000. Had I known that I was supposed to contact Aflac about a salary change, then I would have, especially knowing I was going to be using my short term disability for ********* ***** (it was planned) the following year! I looked in the binder that the training rep brought back to me a few weeks after we signed up which was to be filled with copies of all the policies our company employees had signed up for, as well as the employees who declined coverage. I admit I did not glance through it and put it on the shelf with the other company info. When I first received that check from Alfac that was less than 1/2 of what I was told I would get - I immediately went digging to find my original contract. I was not able to find my original contract or any of them (other employees) for that matter in the binder we were given. It is in a locked office to only which myself and the owner have access to. I was looking for my contract to prove I had signed up for a 7 day. When I couldn't find it - I contacted Aflac to request a copy. They couldn't find a copy either and that is when they told me that the guy who set up my account was "let go" so they had no way of asking or finding out. Remembering that *** **** was his supervisor and was there that day we (myself and our employees) signed up, I called him. He said he would look into it and I never received a response. I called MULTIPLE times and left multiple voicemails, emails, even contacted the district. No response. I sent emails to everyone and even contacted the district manager, *****, for resolution.I requested my short term disability to be paid with my 7 day waiting period, not my 30day. A difference of 3 more paid weeks I deserved to get plus I was out for extra weeks due to a complicated *****, a *********, and a week-long hospital stay. I also requested that those 3 weeks (plus any additional weeks I was out) that I have NOT been paid for - that they be paid at the salary I had of $90K since that is what I was making at the time and a year before I placed my claim. My 2011 W-2's were over $90K and my 2012 W-2's was in the $65K ish range because I was out for several months for ********* *****. Again, I was never told I had to notify them of salary change. I also requested that they pay me the difference on salary for the weeks I was paid for (pay me 55% at my current salary of $90K not the $75K they paid me for).In all fairness, if lack of education on the part of the Aflac employee that signed us up

Desired Settlement: I am requesting that my account be paid to what I believe I was getting when I signed up with Aflac with my short-term disability claim when I had ********* ***** which was a 7day waiting period, with my salary of $90K for 8 weeks.I also request that my current claim recently placed on 9/23/13 be explained to me how they made their decision based on the policies I have. When I call for an explanation - I leave a message and no answer. I was out again for another 6 weeks and my waiting period had been adjusted to 7day at this point and salary adjusted to $90K and my check for the 5 weeks was $1473.33. I make an estimated $6600 a month. How did they come up with $1473.33 for my 6 week out of work disability???For the hassle I have had to go through on my accounts - I feel they should not deduct the premium difference from the 30day vs 7day and they should pay me the unpaid weeks as well as the salary differential I was underpaid.I still want an response to h