Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/21/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In March 2025 we started getting Delinquency Notices from ***** health care for insurance premiums on a policy we did not own. The policy was for my wife, ***** ********. After calling I learned the policy was opened through Tobias & Associates in **********, **. We live in **. We also received two 1095A forms showing two policies were in force during the last 8 months of 2024, and that we supposedly received advance payments of the premium tax credit to lower the premium cost. We have employer supplied health insurance and the 1095C that shows this. I called ***** and they said the claim I filed with ************** to report fraud and to cancel the policy cannot be honored since claims were filed on the policy. I would be responsible for any premiums owed during the active coverage period. Why would we never get any correspondences whatsoever from ***** the whole time until 10 months later from when the policy first started, and then only because of lack of premium payments? They sent the notices to our real address. And we still have never gotten any communications from Tobias & Associates or the agent ************** said did the enrollment. When I tried to call them, their office in **********, ******* is permanently closed. We live in a rural area and have no internet service, only cell phone service. We are both over 60, know very little about the internet, and would never attempt to do any major business on our cell phone, especially something this critically important. Yet I have a *************************, a State Government agency, and an insurance company telling us we did do this and we are responsible.

  

  Business Response

  Date: 05/06/2025

  see attached

  Customer Answer

  Date: 05/14/2025

  Thank you for helping me with this issue. I'm not good with using cell phones and computers. The information I got from ********************* said ******* agent was

  ***** ******* (really? )                                 Tobias &Associates.                                     ***********************                           **********, Fl 33432.                                  ************.                                                 I called the number and got no answer, no voice mail, no answering machine. That was when I looked them up on ****** and saw the place was permanently closed. All of  this only made my suspension about fraud worse. Could an agent be involved? The language used in their response doesn't match *******. We've lived together for 20 years and during this time signed multiple legal affidavits affirming our Domestic Partner status. She never refers to me as her"boyfriend"  and never uses her name without including her middle name, or at least her middle  initial. ***** has many issues and I have to take her to the doctor myself. She doesn't drive or handle anything business related. Unfortunately she really isn't able to handle any of this herself. She doesn't work due to health issues. She is totally dependent on me for everything. None of her doctors accept Oscar *********************** Hopefully the phone number in Tobias' response will work and they can help me gather more information about this. ***** ****** she knows nothing about this. I believe her estranged daughter has something to do with this. Due to the 10 day limit approaching I wanted to at least thank you  and Tobias for responding even though I don't have much more information yet. 

   

• Initial Complaint

  Date:03/07/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After reviewing my bank account I realized that I have been charged $94.95 for *** insurance for a healthcare plan through *********, from CFXHealth a.k.a ********* through broker Tobias & Associates, since September 2022 up to today. I received a contact number to call from my bank as I had no information on these reoccurring charges. CFXHealth is a third party vendor that collects funds on behalf of agent Tobias & Associates. I called CFX @ ************ and they gave me a member id number and gave me the contact information for the agent who supposedly sold me this *** insurance. I went ahead and had the **** policy" collected through *** on behalf of Tobias & Associates, as that was all they could do for me. *** advised me to call the agent, Tobias & Associates, for any other issues. *** could not provide me with any documentation proving I purchased this *** policy back in 2022. I contacted Tobias and Associates @ ************ and spoke with the customer service manager who told me that they had a recorded call on file that would prove I purchased the *** insurance but he could not provide me with it as it goes against *****. I asked for any other proof and he said they had nothing that he could send me proving this was not fraudulent. I asked how could he resolve this issue with me and he advised me there was nothing he could do for me and I was welcome to sue the company if I wished to do so. I did not sign up for a *** healthcare plan and I have been fraudulently charged since 2022.

  

  Business Response

  Date: 03/10/2025

  Please see the attached response and supporting documentation. 

• Initial Complaint

  Date:11/13/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for *********** through a ************** service. The mans name was ******* *****, and the phone number provided was **************. In February 2023, I tried to get healthcare for my wife and two kids, but after one of my kids became ill, I found out I did not have any insurance for my kids at all. I had been paying $223/mo, $70/mo, and $178/mo for the insurance that I was told was covering my children and my wife. This was for Dental/Vision, Health Insurance, and a supplemental insurance that was supposed to cover the people I listed. Upon finding out my kids had no health insurance, I called the marketplace to get it figured out. This was in May 2024. I asked them to cancel all the other plans that I had, and put us on a new plan that would cover my wife and children. We continued paying $70/mo and 223/mo up until 11 November 2024, when I called AGAIN to get those charges cancelled. I had been told that the new plan we got was covering my wife and kids, but it got cancelled because of a payment issue back in April 2024. However, we were still paying for the old insurance plan, and my wife was able to be seen by her provider because of this reason. I found out that this $223 was a supplemental plan that I could not legally use in the state of *****. I want to be reimbursed for this money that I was lied and coerced into purchasing for the profit of a healthcare salesmen. He knew I lived in ***** because he put us on a BCBSTx plan to start, but he did not give us anything we needed, and had me paying $400+ every month to cover my wife and kids, just to find out my kids were never under coverage, and we couldnt use the plan anyway.

  

  Business Response

  Date: 11/27/2024

  The complaint was resolved with the consumer. 

  Customer Answer

  Date: 12/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:08/30/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My wife notice a $50 charge on her credit card from First Enroll-Health Plan on July 28th. She called ************** and spoke to "*******" who informed my wife that I had an insurance policy that started in March, 2024. "*******" said it was purchased through Tobias & Associates. She continued to connect her to Tobias & Associates. "*******" came back on the line and said to stay on the line because the music is really low and hard to hear. I was on hold for at least 10 minutes before they disconnected the line. I then tried calling "*******" back and have not been able to connect with anyone. I see online that this business is closed permanently. I fully believe we've been scammed by these people. I have insurance provided by my employer, I would not willingly purchase additional health coverage. Money paid to business:$310.00 Desired settlement:Refund

  

  Business Response

  Date: 09/05/2024

  Please see the attached response. Thank you. 

• Initial Complaint

  Date:04/29/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My mother with progressive Alzheimers disease was coerced into purchasing a policy over the phone. Any reasonable rep speaking with my mother over the phone would know she is not capable of making such decisions. Additionally, her name is incorrect, address incorrect and email address incorrect. She was convinced into providing her debit card information over the phone and the monthly premium drafted from her account. How is this even legal without appropriate signatures. In the event we needed to access the policy, we would not be able to as everything is incorrect. I happen to notice the charge on her account and stumble across the paperwork. Her caregivers and POA need to be involved in this process. I am beyond livid and the agent (****************************) needs to be reprimanded and terminated. This is absolutely sad and ridiculous to pray in the vulnerable. Serving as a primary caregiver to a loved one is challenging and stressful in itself and to have to deal with this creates even more stress.

  

  Business Response

  Date: 05/13/2024

  Please see the attached response. Thank you. 

  Customer Answer

  Date: 05/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:02/29/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of fraud: November 2022 Amount they took: ******** I never agreed or even heard of this insurance company ************ Health. I have no insurance cards, paperwork from this company. They would not mail me any information that they said they had. I did not see money being taken out of my account until 3/29/2024. I called many times to advice them that I never ordered insurance from them and they need to refund me. Extremely rude, hung up on me many many times. They said I should have noticed that the money was being taken out. Then they would not answer my calls. Just kept me on hold over and over again and calls just keep getting dropped. I cancelled my debit card and disputed amounts with my bank. Can't say much about the Tobias & Associates because when I call I am on hold and then it just disconnects

  Customer Answer

  Date: 02/29/2024

  Above is all the payments they took without my permission. 

  Customer Answer

  Date: 03/01/2024

  Above is the company info   

  

  Business Response

  Date: 04/04/2024

  Please see the attached response and supporting documentation. 

• Initial Complaint

  Date:01/11/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a formal complaint regarding unethical business conduct exhibited by Tobias and Associates, specifically involving an agent's unauthorized enrollment of an individual without their consent.The reported incident raises concerns about the ethical standards and practices upheld by Tobias and Associates, and it is imperative that appropriate action be taken to address this matter comprehensively.Our aim in filing this complaint is to bring attention to the reported incident and to ensure that Tobias and Associates is held accountable for any unethical behavior exhibited by its agents. We trust that the Better Business Bureau will investigate this matter thoroughly and take the necessary steps to address and rectify the situation.We are hopeful that our complaint will prompt Tobias and Associates to uphold the highest ethical standards and provide a positive resolution for all affected parties.We appreciate your attention to this matter and look forward to the Better Business Bureau's involvement in addressing this serious concern.

  

  Business Response

  Date: 01/12/2024

  Please see the attached response with supporting documentation. The mp3 file will be emailed separately. Thank you. 

  Customer Answer

  Date: 01/28/2024

  I actually called their office with my client on the phone who told them I am his agent. They confirmed it was him by asking his date of birth etc and he told them I am his agent. Even though they have been told that they have gone in again and made the change. I will now have the ** department of insurance handle this. Along with NC BCBS and the marketplace. Honestly if the  client himself has told them that but they have still made that change, they need to be held accountable 

  Customer Answer

  Date: 01/29/2024

   
  Complaint: 21124875
  
  I am rejecting this response because:

  I actually called their office with my client on the phone who told them I am his agent. They confirmed it was him by asking his date of birth etc and he told them I am his agent. Even though they have been told that they have gone in again and made the change. I will now have the ** department of insurance handle this. Along with NC BCBS and the marketplace. Honestly if the  client himself has told them that but they have still made that change, they need to be held accountable
  

  
  
  Sincerely,
  
  ********************

  

  Business Response

  Date: 01/29/2024

  Please see our attached response as well as documentation showing the application was already cancelled. Thank you. 

• Initial Complaint

  Date:10/06/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In *********************** healthcare to get coverage because I was unemployed and had no insurance...After almost dying that year...I was able to get some sight back and walking again after being diagnosed legally blind in both eyes (when I signed up) and I was home nursed for 3 months..after getting my walking back again. I then got a job at CVS at the end of the year 2021 and then called up get me healthcare and cancelled my insurance with them to join my work insurance which Aetna is CVS...I also did a stop payment with the bank card which was my bank account. I joined my work insurance in January 1st 2022. While get me healthcare kept me on ****** insurance anyway through the whole 2022 into this year in April 2023...When I went to HR BLOCK to do taxes in 2023 they caught it for 2022..as of right now..I am being charged around over ******* for 2022 and who knows for 2023..my tax pro says to *** this company..not only for money purposes but having ALOT of stress too. ****** insurance said that if my broker *********************** would've just sent them a letter saying that I cancelled based on my call and stop payment then they would have closed the premium payment to the **** Please stop this company and employee from doing this to another consumer..this has been a terrible experience.. I have bank statements obviously

  

  Business Response

  Date: 10/26/2023

  Please see the attached response and supporting documentation. Thank you. 

• Initial Complaint

  Date:09/12/2023

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello,I am writing you on behalf of my husband *****************************. He has been charged for the last three years for service he did not agree to. We just canceled the contract which is below. I need the original documents that you have that he signed for. I did receive documents from the third party Imemberbill, and it is not his signature. I need this information to dispute all charges from September 2020 to present. We will put in a complaint to the BBB and report this incident. if someone from your company could please call or email us back, as the number that is on the paperwork is not active and not able to speak to anyone.

  

  Business Response

  Date: 09/27/2023

  Please see the attached response and supporting documentation. 

• Initial Complaint

  Date:06/01/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  May 8, 2023 $77.56 falsified documents My father did not authorize policy for he was not available at this time to speak to anyone.

  

  Business Response

  Date: 06/02/2023

  Please see the attached response. The verification recording has been sent separately by email to ************************************* as the website is not allowing uploads of recordings. 

  Customer Answer

  Date: 06/02/2023

   
  Complaint: 20132202
  
  I am rejecting this response because: My father was in a drug/rehab at the time. I have a POA and Medical POA for my dad *************************** rather he does sound ok, dementia does not necessary sound a certain way! He did not enroll him self in any medical plan such as the Amerigroup, someone had to call him or your company took the initiative to call him directly and sign my dad up. How did you get his cell number to call him originally, prior to the agent calling HIM back on the 5th to sign him up for a life insurance policy? I had just turned back on the cell phone May 3rd because I knew I was placing my dad in rehab and the VA allowed him to have a cell phone in the facility. He has a government phone line and many solicitors call to scam senior citizens targeting these government issued  phones that are given based off income and I fell that is what took place here. Why did /do you have the wrong age on the life policy if he doesn't have dementia? Yes, he currently has United Health because I his daughter and caretaker was able to call and have the policy canceled on time prior to the policy for Amerigroup taking effect on June 1st.

  Your company needs to do better on soliciting calls to seniors or our veterans my dad suffers from mental health and what does that sound like? You would not know just by a phone call your only worried about numbers. 

  Have a great day!

  Sincerely, a frustrated daughter!

   ***********************

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