ComplaintsforMetLife, Inc.

Insurance Companies

HeadquartersMulti Location Business

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Customer Complaint:

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Initial Complaint
05/22/2023
Complaint Type:
Billing Issues
Status:
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.
I requested a loan in **** against my life insurance policy in ****. Out of the blue, we got a bill for the loan with a payment due of over $30000 and it appears that the interest has accrued in the amount of $42,000. Going back through our records, we have never received a statement/bill from Metlife to do the repayment on this loan. We have another loan with them and have current policies. They know how to get a hold of us and the other loan is being paid. Why, out of the blue, we would be getting a bill for over $3000.Given that we make automatic payments for our policy and have paid the other loan, it is a bit mysterious that, in 26 years, we have no received a bill for month or even yearly installments on this loan.I believe that there is fraud at work here with Metlife and, when I requested copies of the bills, I was sent only a statement (attached) going by year back to the origin of the loan. This is unacceptable and there is clearly something amiss. I reached out to Metlife asking to have a representative get back to me in addition to copies of copies of monthly bills and have received nothing.
Business response
06/01/2023
Thank you for your inquiry. A response was sent directly to the client on 06/01/2023.
Customer response
06/12/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: While Metlife has stated that the loan didn't have to be repaid, who wouldn't want to repay it rather than allow it to balloon to over $40 grand and eat into their Metlife benefits? It was on Metlife to provide us with the option to pay them by providing us with loan payment vouchers so that we could address the issue. I believe that, despite their "flexibility" that this is a deceptive business practice. Furthermore, to get a bill out of the blue (yes, we had statements but the statements were NOT payment vouchers), since we have another loan with them, it would have been easy to confuse the two (which is why providing a specific loan voucher payment coupon would be helpful). Moving forard, I will not be doing business with Metlife due to the deceptive nature of this. To also expect a customer to remember the terms of a loan from 40 years ago AND not receive a payment voucher until THIS YEAR (specifically in **** is not a good business practice and is unethical in nature.

[Your Answer Here]

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

*********************
Initial Complaint
04/10/2023
Complaint Type:
Service or Repair Issues
Status:
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.
Hello I had Fedvip MetLife vision insurance for 2 years with my son. On November of 2022 I added my husband. In the first week of January 2023 I scheduled an optometrist appointment for my son and myself. 2 days later my optometrist office called me back and said my insurance was inactive. I called MetLife vision and they said my whole family plan was deactivated at the end of the year. I reached out to benefeds the company offering me the insurance for my federal agency that I work for and within 2 weeks we were active again. My so and I were able to get our eye exam and glasses. On April 1st my husband tried to get a set of contacts ordered. We both went to the vision center and we were advised that my vision insurance is not active. I called MetLife vision insurance and they said on January 30 of 2023 I was cancelled again and they are unaware why. So I called benefeds my direct insurance and provider and they called MetLife vision and were advised it was cancelled. Benefeds send in an verification form to MetLife vision insurance with no results because MetLife is saying they have not received anything. On April 6 I called MetLife vision still nothing. I called then benefeds and I was told that an emergency form was put in it should take 24 hours and issue should be resolved. It's April 6 called MetLife vision insurance again still no insurance and called benefeds and was told to keep waiting and the only thing they can do is send another verification form. I don't know what to do. I keep going back and forth pay MetLife premium for 2 years straight every 2 weeks and receive no vision insurance to this day. This year I only had insurance for vision for 2 weeks and I have been paying biweekly for 2 years without any break in premiums. What else can I do. My husband needs to see an optometrist and get his contacts but no resolution in sight with my reinstatement.
Business response
05/22/2023
We have addressed this complaint directly with the complainant.
Initial Complaint
03/17/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
1998 disability premiums paid to date. i was offered by MetLIFe the refund of all the premiums JUST for the disability coverage.Leave the LIFE INSURANCE ALONE>>>>>>>>> i did not know i had disability insurance , and have been on SSDI. I keep on repeating this . they sent paperwork, then would not resend the paperwork when i need to fill it out again. Ive tried company email, phone calls. to resolve this. Ive asked for a call from the management and they refuse. I have never been late with payments. AGAIN i only want the premium payments for the disability.
Business response
03/29/2023
Thank you for your inquiry. A response was sent directly to the client on3/23/2023.
Customer response
04/18/2023
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 and the matter has been resolved.

Sincerely,

*****************************
Initial Complaint
02/09/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have submitted a claim to my mother's, **********************, life insurance company and am getting the run around. The beneficiary of the policy is a Revocable Trust, of which I am the Trustee. She passed away on 9/1/2022. I first filed a claim online in 10/2022. Did not receive acknowledgement. My most recent claim was on 12/22/2022. I have submitted the claim form 4 times per the company's request. I have submitted all the supporting documents requested at least twice and some up to 4 times. I continue to get letters requesting the same documents I have submitted. I have submitted the documents by ***** email, and on the company's site. I have spoken with customer service on 3 separate occasions the most recent being 1/16/2023. I emailed with a manager, ***************************, who sent me the claim form via email, he asked me to send the document back to his email, which I did and I never heard from him again despite sending a follow up email asking if he had received the documents. My most recent letter from the company was on 2/7/2023 asking again for documents I had already submitted multiple times. This has been going on for 4 months.
Customer response
02/15/2023
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 and the matter has been resolved.

Sincerely,

*********************************
Initial Complaint
12/27/2022
Complaint Type:
Service or Repair Issues
Status:
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.
I have applied for life insurance with MetLife thru my employer. I have summitted a required statement of health twice via hardcopy and have tried to submit electronically as well numerous times and am always met with a "technical difficulties at this time message" A verdict on the coverage is supposed to given within 10 days according to metlife standards. there has no been one given and i am still getting messages that statement of health has not been received when I have confirmed verbally twice with the statement of health sept at met life that is was received.They also have claimed to have requested info from my wifes physician. Physician never got such a request.It seems like this company is operating nefariously to deny coverage on technical grounds they can try to use against the person applying.
Business response
12/30/2022
We have reviewed this information and have contacted the complainant directly under separate cover in response to the stated matter due to privacy concerns.
Initial Complaint
11/03/2022
Complaint Type:
Billing Issues
Status:
Unanswered
The business failed to respond to the dispute.
Metlife financial services bought my mortgage originated in Nov 2021. right now i am trying to remove escrow without success. I pay my taxes so I requested escrow removal and MetLife is requested ShellPoint to collect escrow regardless, as a result I pay escrow twice, once to state of WA and another payment goes to MetLife. ShellPoint does not know how to manage cases like that. I requested MetLife to remove escrow without success per ShellPoint(mortgage servicing company) my request was transferred to MetLife. - requested written escrow removal. - my loan to value is 25% ; original amount of mortgage was 250k - provided statement of securing account in in amount of 400k just to make sure there is no financial concern - my credit score around 820 out of 850 - requested license numbers and legal documents with governing policy, my request declined as private information disclosure. I am looking for license number for MetLife and ShellPoint, so I can contact general attorney in respective state, I am looking for government instance which will perform and audit. Double escrow could force a default for some of the customers, and that practice should be illegal. MetLife financial services = Bright house life insurance company financial services.
Customer response
11/27/2022
Better Business Bureau:

At this time, I have not been contacted by MetLife, Inc. regarding complaint ID ********.

Sincerely,

*********************************
Initial Complaint
07/05/2022
Complaint Type:
Sales and Advertising Issues
Status:
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.
My father has had a $10,000 insurance policy for over 65 years. The policy was originally taken out by his employer, con ******* Once he retired he began paying $158 in premiums, once he turned 80 his premiums went up to $281.40, in June he turned 85 and now his premiums are $467.10. When I spoke to Metlife they had no solution for this senior citizen who paid more towards the policy than its actually worth and that he cant afford the $467 no premium. Is there anything we can do for him?
Business response
07/06/2022
***** **** *************** ************ *******************************

Dear Investigator

This is in response to your communication regarding the above referenced complaint.

Please provide us with the following information, as this is needed in order for us to respond to the complaint:

Social Security Number of Insured
Date of Birth of Insured
***************************** Name
Dates of Service
Copies of any correspondence from MetLife

Please provide the requested information to **************************************** or reply to this email.

If a direct contact is needed, please reach out to:

*************************, Compliance Consultant
Corporate Customer Relations
*** *********** *** ***** ******** ** *****

Phone: ************
Fax: ************

Sincerely,
MetLife Corporate Customer Relations
Initial Complaint
06/21/2022
Complaint Type:
Billing Issues
Status:
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.
Account ********** ***************************. When *************************** left the employment of ****************** in 2020, we took advantage of a Group Term MetLife insurance offer offered by the University. He was approved and was covered for the monthly rate of ****** starting in May 2020. We were charged high initial fees, which I was assured would be removed and our rate of ****** honored.However, in 2021 our monthly Payment was increased to $558, without any warning. We did not receive a rate increase letter. In 2022, the monthly payment was increased to ******. Again, we did not receive a warning for this increase. After paying into the system, we have now ceased payment and lost all the money we put in. It is grossly unfair to increase insurance premiums by such a huge percentage. When we called Met Life to ask why the rate had increased so much, they said we came in at a "preferred rate" and were switched to a nonpreferred rate at the company's discretion.I have attached bank record of all payments made 2020-2021. You can see we only got two months at the $168 rate before payments ballooned. Also there are huge payments in 2020, that are overcharging for premiums.
Business response
06/30/2022
We have reviewed this information and have contacted the complainant directly under separate cover in response to the stated matter due to privacy concerns.

We appreciate your assistance in bringing this matter to our attention.
Customer response
07/01/2022
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

I have not heard from Met Life, even though they indicated they have corresponded. They left a voicemail on the day I filed the complaint saying they were aware but have not heard anything since.

In order for the BBB to appropriately process your response, you MUST answer the question above.

Sincerely,

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

Business response
07/12/2022
Formal response was mailed via ***** to the insured and delivered as of July 2, 2022 per *****.
Initial Complaint
02/08/2022
Complaint Type:
Service or Repair Issues
Status:
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.
After months of confirming and being told I was to receive a check of $23,7777 the very day the check came in I got a call saying that they put a stop payment because of an error on their part and they will get back to me, instead of calling they sent out a letter that I would not have gotten for weeks just to find out that they sent that money back and have giving me no resolution to fix the issue or compensation for damages or losses, I plan on taking it to court if compensation isn't being made and will be filing for damages and negligence
Business response
10/17/2022
MetLife addressed the complaint and responded to the customer directly.
Initial Complaint
12/08/2021
Complaint Type:
Billing Issues
Status:
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.
In **** I purchased a MetLife Whole Life Insurance Policy Number ********* with a stipulation that after a few years my Premiums would be paid by the Policy Dividends. This is called Accelerated Payment. For many years my dividends paid my policy premiums.This year MetLife claimed that dividends were not enough to pay the policy premiums. I made an arrangement with MetLife **************** over the phone that I would pay the difference: policy premiums amount minus policy dividends amount. I calculated it to be $461.43. On 11/16/21 I sent a check for $461.43 to MetLife.Then a letter from MetLife came dated 11/10/21 that I owed them $459.88. I accidentally overpaid $1.55. Then I called MetLife ****************, who confirmed over phone that they received the check.I have downloaded a list of my Bank's transaction which shows that my check was cashed on 11/26/21.Then on December 7, 2021 I received a letter showing that MetLife made me a Policy Loan for the whole yearly premiums of $2,220.12. They are also charging me interest at Adjustable Base Rate of $4.50%, which already is $24.23.MetLife is trying to extort $2,244.35 from me while they actually owe me $1.55.I pray that BBB help me resolve this matter and return me $1.55.Respectfully,**********************************
Business response
12/27/2021
We are responding to your recent inquiry concerning this case number, referenced above.

A letter has been sent to the owner to address her stated concerns.

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ComplaintsforMetLife, Inc.

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