CUNA Mutual Group

The insurance company safety net operates through the insurance company listed above. And they have been taking money from me for months for job insurance. They say they tried to contact me multiple times. But I just received in the mail today my final notice for non-renewal of policy as of June 11. Today is July 6. There is no reason for them to stop my policy besides the fact that they’re taking customers moneys and not paying out. They are taking my money and running with it not allowing their policy to continue. I have had them on my automatic withdrawal from my bank account for years and I have not had any money paid out to me from them. And they say it’s not from this Covid but I am not believing it because why would they not continue it if not from that.

Fraudulent and deceptive business practices. Don't waste your time with this company.
Would not let me cancel my policy.
Had to call 2X to get an "email" to then "mail" them to cancel and they never sent it! STILL CHARGING ME!
They won't let me cancel and have to file a claim with the Revdex.com to be able to cancel.
Good services should not have to be this hard to cancel! They want to keep your money and hope you forget how to cancel.

Trustage refuses to take me off their mailing list. They acquired my name through a credit union I was a memger of years ago. I have made several attempts to resolve the issue with Trustage, and am told it is not their problem. The credit union also states the same.

My father had passed away in May of 2019 and CUNA had charged my father for AD&D insurance. In early June, I had contacted CUNA to get my father's AD&D insurance closed and reimbursed for the $90 charge. On 11/27, I find out that CUNA charged me $90 twice for a total of $180 for my father's AD&D insurance even after I had informed them that my father had passed away. I have tried to get assistance but one agent informs me to call the customer service number on 11/29. I call them and find out that their still closed and I even get a different phone number via email from CUNA WebsiteAssistanceMail. I even tried that number and the automation informs me that their still closed. How can CUNA charge for AD&D insurance for someone who has passed away even after they were informed that the CUNA customer passed away?

Continually receive unwanted mailings from the company at my address sent to "***" soliciting return of a benefits form on behalf of ***. Have submitted numerous requests in writing to remove my address from their mailing list. At one time I was a member of that credit union but quite some time ago I stopped doing business with them.

I received the policy to review in July/August 2019 and because they had my name wrong again, I sent it back with a written request to cancel. They have since taken $120 from my account, I want them to stop taking money from my account and refund what they took on a cancelled policy. I also want the $60 in overdraft fees refunded. I don’t have the account number since I returned the policy but they have been drafting it so they have my information.

insurance began sending me unwanted mail as of 27 September 2019 on behalf of ***. As of a year ago I terminated my banking with *** because they were selling my name to third party insurance companies. As I am no longer a member of ***, there is no reason why they or this insurance company should be sending me any mail whatsoever. The mail is unwanted and unsolicited, and needs to cease and desist immediately and permanently.

My personal information was provided to this business without my consent. They have been trying to open a life insurance policy for me and send me obnoxious advertisements for multiple forms of insurance despite two previous attempts by me to be removed from all of their systems and all of their mailings. As a result of this problem, I am now also in the process of leaving my current bank who provided my personal information (and who has refused to respond concerning this matter). Please help remove me from TruStage's system!

See attached.Compliant Description:On October 25, 2017 I received a letter from TruState thanking me for choosing
Trustate Life Insurance issued by Cuna Mutual Life (CMFG) and for requesting
automatic deductions be processed thru my credit union account. They were going to deduct $1.00 for the Nov.2017 prem. and $34.62 for Dec.2017 prem. and $ 34.62
monthly thereafter...We immediately contacted TruState and told them this was a mistake as I never purchased this insurance policy"DID NOT WANT THIS INSURANCE" and never authorized
Trustate to make any automatic deductions from my credit union account which at that time Oct. 2017, was named Employees Fed. Credit Union.The name was later changed to Relyon
Credit Union.They
agreed to resolve this discrepancy immediately and nothing was deducted in November,
2017 or December, 2017 statements as stated in the letter...nor
January, 2018 thra November, 2018 statements... however, in December, 2018 statement a premium of $34.62 and the January, 2019 statement a premium of $34.62 was debited to my credit union account. Please note this is a whole year later after we notified them we never wanted this policy.We have since received a refund check of $29.02 which we will not accept and want the full refund of$69.24 due me from TruState and Ciina Mutual Insurance. They
charged me a cancellation fee for a policy that was never in effect.It was very inappropriate for these companies to debit my financial account a full year later for a policy I never owned. These type of SCAMS are being done to many seniors because they think we are not fully aware of what is going on with our financial matters. They need to be investigated because many of these products are offered thru various
credit unions and banks.Best regards

The customer service at *** is horrible. I can't even get basic information on my policies or any competent help. I called in today because I have an existing policy I pay for. I wanted to increase this policy. Also, I had taken the free policies from other credit unions and wanted that to show in my online portal. I call in and the person asks me for a ton of personal information, then puts me on hold. Apparently he transferred me without telling me. The next woman takes EVEN MORE personal information from me, then tells me she can't help me and she's going to transfer me but doesn't tell me to who or why - still leaving my problem unresolved. At this point, I became so frustrated with the process that I disconnected the call. Not a competent answer in sight with these people.

For exactly 6 years, TruStage/Cuna Mutual has been drafting a premium from my checking account for an insurance policy I never applied for, wanted, or authorized. This went unnoticed because this particular account is not my primary account, and the premiums were relatively low.

This all began after *** sent out an application for insurance coded with my unique checking account information to an address I don’t live at (privacy concern). Once it was sent in, I began making someone else’s life insurance policy payments without my knowledge.

When I brought it to their attention 2 weeks ago, I began to get the run-around and varying explanations as to what occurred. I was told they needed to “research” the issue, but I followed-up every other day and was told the matter would be resolved — First in 4 days, then in 2-3 weeks, then 5 - 10 business days, and now an additional two weeks.

It should not be this difficult to deposit the refund into my account via ACH the same way it has been taken out for the last 6 years. As I have interacted with the reps, Supervisors, and even via direct message on Facebook for a resolution, I have been consistently given inaccurate information, and there is obviously no urgency on the part of this company to make this right.

My bank off of the services of Q no mutual group for a life insurance plan. After much consideration and a Life insurance policy offered from AARP for $12 less per month I excepted the New York life insurance. After filing a surrender of the Q no mutual group life insurance I wa Life insurance policy offered from AARP for $12 less per month I excepted the New York life insurance. After filing a surrender of the Q no mutual group life insurance I I understood that I would get a full refund. Nothing was explained to me that I had to be in this planned for two years to get a refund. I am a senior citizen on a fixed income and no matter who I spoke to at the Q no mutual group they said I would not get my money back. The payments of $70.12 per month for six months at up to $420.72. I am asking Revdex.com to please help me get a full refund for the payments that I put in as I cannot afford to lose this money. We always strive for the best price of any product we can get. They keep sending me literature to re-sign with them which I consider harassment after sending them my letter of surrender. Please help me.

I received a mailing from supposedly my Credit union. Letterhead on the mailing showed My Credit Union and their symbol for Mortgage Protection Plan, I had just refinanced my home. I filled out the information thinking it was from my Credit Union since it had my Loan Amount and information which seemed to be coming from my Credit Union. I filled out the information, Personal, and sent it back in. When I showed the letter and information to my representative at my Credit Union they advised me it was not from them but from an Insurance company who goes to my information at the tax office to get the information. Isn't this illegal to use the Credit Union logo and information that looks like the letter is coming from my credit union? I have just received another letter from them, same return address showing my Credit Union as sender and with a copy of the personal information that I had sent to them back in 2016 thinking I was sending it to my Credit Union. I have tried calling the numbers shown on the information sent to me and none are correct numbers for them. How do I go about having them erase all information they have on me and stop sending me information. Isn't it Illegal to use another companies logo on your mailings? I have kept the latest mailing from them and also the envelope from them if that is needed.

The person who took the application for the insurance policy did not write down the correct banking account number and thus they never received the payment; however, to this day I have not received any email, card, or letter notifying me that I did not have life insurance for this policy no. 7752. No one sent me any form of notification until after I called and was informed. However, I have received a card notifying me of an address change that I never did dated December 07, 2018, two calls to increase the face value of the policy but did not mention that the first payment had not been received; and an email dated December 15, 2018 at 4:09 a.m. "Don't forget your Beneficiary Updates" that I had completed on December 12, 2018. Thus this company has continually made mistakes on my account causing stress and aggravation. I requested a month premium which they did only after I made a payment via phone. If I had not called, I would not have known that my policy was not in effect due to lack of payment and the notice would probably have taken two weeks to get to me. Also, I never changed my address or phone so I should not have been notified of that and I had already sent in two updates for beneficiary which had been acknowledge but never processed.

see attached

I purchase life insurance and I did online billing where I will receive a bill online, I haven't received anything and I emailed and still nothing but emails stating they will call me in 1 business day but still noting, I also created an account but unable to log in and Trustage I never created an acoount. My email address is [email protected] and my last 4 is 7976, but when I tried logging it is staing incorrect so I tried to get user name and reset passowrd and it states last 4 ssn is incorrect and no such email address. I want my money back for 3 months of payment.

My mother recently signed up for TruStage Whole Life Insurance over the internet. It said that she had to pay down $1.00. I let her use my Debit card to make this one time payment, and then she opted out of Auto Pay. She was suppose to be billed instead of auto payment. She called and they told her that we had both called and agreed upon auto payment which is a lie. We never spoke to anyone over the phone and did it all over the Internet. Now when she called they would not refund the $34.85 that was taken out of my debit card. Because of what TruStage did without my knowledge, my checks bounced because I did not know they would be taking that money out. My mother has proof of where she did the application online and never spoke to anyone over the phone. TruStage is lying.

I have been trying to access my policy online for several weeks now. I have emailed the company NUMEROUS times, with no response. I have already paid my first month's premium. I want a refund and I want to cancel this policy. I have read many reviews with the same experience I am having. I do not feel right about this company anymore, and do not want to continue my business with them.

Cuna Mutual insurance was added to protect my Navy Federal credit card. I am a government Contractor, as are many veterans. Cuna took my $15-$20 monthly for iver 5 years. When I was laid off, wanted to file a claim for them to pay my credit card while unemployed, as they promised! They made the filing process so rediculously slow. Snail mail, no returned calls. Etc. Next they denied my claim stating that since I was a contractor, I did not qualify. After workimg for a company gor 1.5 years as a regular employee, I was denied. So my advice is do not deal with rhis swindling company and shame on Navy Federal for dealing with Cuna Mutual

I have paid for CUNA insurance on a credit union card for over ten years and it is been a nightmare trying to file a claim due to unemployment. They have been happy to take my money all this time, make a profit, and pad their salaries, but are making the processing of my claim (to even decided if it is approved or denied) an even bigger nightmare.
Yes, I get it, as a former insurance company employee myself, I know they don't like to pay out and look for reasons to deny claims. My case is pretty self explanatory with documentation to back up the details, including my unemployment claim determination showing how much I will receive from the state unemployment people. Those were included with a set of paperwork returned to CUNA after filing my claim with NFCU for a second time, because the wrong year was placed on my claim initially.
Now, CUNA want to drag this out by requesting proof of all unemployment payments received. The woman who leaves me messages requiring this or that, indicated she was specifically interested in documentation showing 2 weeks that I wasn't paid unemployment. Maybe just asking me about the waiting week and other would be more effective than a mainframe print out of non formatted dates and zeros. Ironically, another rep told me it was to prove I was receiving payment, but that doesn't align with what the CUNA indicated in her voicemail message to me.
Regardless, why is that necessary when they have proof of my layoff, as well as a letter from the unemployment commission indicating my claim was approved and the amount I would be receiving each week. It really looks like they are looking for some reason to deny it (and if they do, I will be involving my attorney and it won't just be over a denied claim). The funny thing is, they will only cover 6 months of payments while unemployed at most, so this additional request for documentation is even more suspicious.
Over time I have paid more for their service than what they would have to pay out to cover those 6 months of payments! I suspect they are spending more than my claim will cost, just in their approval/denial process.
Anyhow, obtaining this information will require a trip to the closest unemployment office and explaining why I need this, trust me, I already did this for something else and the unemployment person tried to argue with me about needing it lol. Unfortunately, this isn't available for me to access online unlike the CUNA lady seems to think. I would much rather use my time to actually look for a new job to apply for, but that is just me.
At this point, I have already made the payments on my credit card for the past couple of months and will continue doing so, thus CUNA's payment protection has been completely useless anyway.
Further dragging out of my claim approval and processing only confirms my negative view of the product and company. Since they will only cover 6 months of payments during unemployment, I will likely be working again by the time they make a decision and they will finally have their reason to deny it. Okay, I am being facetious, but in all reality, even if I jump through every hoop and get every single thing they want, I will hardly recoop a fraction of what I have paid to CUNA for this useless coverage and I will have wasted my time. It should not be this difficult for such a small benefit for a long time paying customer who has never had a claim with them.
I will never again fall for any extra protection/unemployment/disability type insurance sham again. Stay far away from CUNA and any insurance offerings from Navy Federal Credit Union. NFCU provided very little transparency in regards to this company or in using the benefit. NFCU messed up and dropped the ball when I first filed this claim (or that is what I was told), but I am learning that I apparently need to take time to call all parties each week to check to make sure they are doing what they are supposed to. Ugh, really? I pay for a service, that I don't get access to or to use as advertised, the burden of proof is on me times however many items they want and number of times they demand it. This is not how I define good customer service, or a service provider holding up their end of the deal.
It is important for people to know that if they have this coverage, it is unlikely you will be able to receive benefits right away or in time for the first or even second payment due after a job loss.These plans do not really work they way they are advertised or presented to the consumer and do not believe for a second, that because you paid for this service, you will be able to even use it when a qualifying event occurs.
Oh the joy of being loved & courted as a valued customer when I have a large paycheck for these companies to want a piece of, then being treated terribly when I no longer have anything they want. Funny how they make things difficult and time consuming for a customer when they are down on their luck. (I can only imagine how difficult it is for people who have less money and education to deal with a service provider or agency like this).
While CUNA does have some exceptional customer service employees to answer the phones, there is little they can do to help. I will make sure that my story and negative experience with CUNA is shared. I have been paying CUNA anywhere from 10-30 bucks a month for about 10 years or longer and this is my first claim. All my money paid for this useless service has only gotten me headaches and hassles. I would have been far better off keeping that money myself. NFCU and CUNA are marketing to many military folks that have lower than lower pay civilian salaries and also have more constraints on them in some cases.
What is even worse, is that I had a enhanced version of this type of plan through one of the large top ten banks, but it was designed to reimburse you for certain expenses, regardless of whether or not you used the bank's card to pay for them. I never had a single problem filing a claim and was able to speak to one person on the phone in one phone call to take care of everything. If anything additional such as a receipt was needed, it was much simpler and faster process.