Liberty National Financial Reviews (%countItem)
Liberty National Financial Rating
Address: 800 W Rock Creek Rd Suite 107, Norman, Oklahoma, United States, 73069
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Has taken me over a year & I'm still getting the run around on a surety bond claim they have already approved.
3 months ago they said the check would be mailed in 2 weeks.
Worst surety company I have ever dealt with!
I am sorry. CHECK NO. *** Was mailed out the day prior to the review was sent.
I opened a claim against a broker that was insured by this company on June 28th of 2017. I ve been trying to get some answers from them regarding the status of the claim and when shall expect payment and always, with no exceptions I get the go around. Countless of phone calls and messages and of course we never get any returns. No matter who we tried to get in touch with to get an answer about our claim we always hit a wall. Customer service does not exist starting with the operator which will most of the time transfer us to a voice mail or the call accidentally gets disconected
As we have explained to *** Transportation LLC in the past only *** can call Uship and request payment or a code. *** needs to provide written proof from Uship to us that they did not pick up the money for the load. With Uship, the loads are prepaid and the carrier has to enter a code to get paid. We do not have access to the carriers or brokers Uship account to verify payments. Once the paperwork is provided, we can try to resolve the claim. Also, we checked our call history with our phone service provider and in the past 6 months *** has only called 3 times and every time the call was answered, it lasted more than a couple minutes. If they would like to contact us to resolve the issue or for us to explain the paperwork again we will help them out. They need to provide paperwork that they did not receive the money from Uship if that is really the case. As we stated, the load was prepaid so the money is sitting in an account for them. We explained this several times. They want us to do it but we tried again and because we are not the ones eligible to receive the payment, we can not retrieve it. This is not a legitimate claim due to the fact that the money is there for them to pick up. This is not a run around, the carrier just needs to collect their money. It’s pure negligence on their part. We are always available Monday-Friday 9 am-5 pm.
Complaint: ***
I am rejecting this response because:
they are purely lying. none of what they responded back to you is true. first of all the vehicle are to be billed so what does the uship code has to do with us? that is between the customer and the broker.
Sincerely
We delivered a load for the freight broker back in May 2017. We called Liberty National Financial to check broker's credit and to make sure they had no claims. We were advised that broker is in good standing with active bond. Two months later we still haven't received payment from the broker and decided to open up a claim. The claim was opened while broker's bond was still active and we were the first company who opened the claim against that broker. Liberty National Financial advised us that they will need to give broker 30 day to pay, later they should advertise them for 60 days and then after another 30 days they'll pay us. I was calling them every month to check on claim status and when I called in October 2017 I've been told that our claim is denied because $75,000 bond was reached. I never received a denial letter they were telling me about and even when I emailed them asking for a copy of my denial letter - it was never provided. I have not received a reasonable explanation of why we will not get paid since we were the first to open the claim. How could they reach $75,000 so fast if we opened a claim before anyone else (I know this because I asked if there are any claims and they said "no", but I decided to be safe and go ahead and open the claim, it took 3 days or less for my paperwork to arrive). We ask them to pay us the whole amount that freight broker owes to us. If they still refuse to do so we need an explanation in writing why we are not getting paid and a proof that the limit of bond was reached. Thank you!
Liberty objects to the complaint. What has been verbally explained to *** as per MAP 21 law has been written out word to word by *** in the complaint. Liberty started receiving claims against Globex forwarding LLC beginning July. Acknowledgement letters are mailed to the trucking companies once the claims are entered in our database. ***'s letter was mailed out on July 23rd. By the time, Liberty received ***'s claim, claims exceeded beyond $75k and they received a letter explaining that claims exceeded 75k due to prior claims. When *** called inquiring about the status in OCtober 2017, Liberty explained to *** about the claim procedures. Based on when the claim was received, *** is in the list for payout for end of December. Claim checks are mailed out end of every month. This cannot be a complaint when they are already in the list for payout. Thank you
Complaint: ***
I am rejecting this response because:
Liberty National Financial is stating that they mailed acknowledgement letter to us in July, we have never received it. Neither we received denial or any other letters from them. We have not received ANYTHING from Liberty National Financial at all during this time. Even when I called and asked for a call back I have never received a call back, until I called them again. Based on USPS tracking information of our claim paperwork Liberty National Financial received it on July 12th. I have call logs confirming that we called them on July 3rd, July 5th, July 10th, August 10th, September 8th and October 24th. All this time no one ever told us that the limit of $75,000 was reached and no one told us about mailed letters to us, until I called them on October 24th and I was told that we were supposed to receive a denial letter. We need a proof that the limit of $75,000 was reached before they received our claim, because when I opened our claim in the beginning of July they had no claims at all and they are stating that when they received our claim on July 12th, the limit of $75,000 was already reached. We need the proof, please.
Sincerely
Liberty apologizes for sending conflicting signals to the complainant. Our heart is with the truckers and
we understand their importance to the US economy. We also understand that timely payment for
truckers affects their economy. Here is a little more detail on the claims process. Many BMC-85
trustees have complained to the FMCSA about the length of time it takes (30 days) to effect cancellation
on a defaulting broker after the trustee sends its notice of cancellation. This is entirely because once a
broker fails to pay and cannot immediately make it good, very often the one bad claim is rapidly
followed by many more. It is common for a financially failed broker to rack up more than $100,000.00 in
claims just within the 30 days between the trustee’s request for cancellation of the broker’s authority
and the actual cancellation by the FMCSA. This was the case here.
In these situations, the US Code governs our duties in the case of a financial failure of a transportation
broker. The trustee must advertise for claims submissions for a 60 day period and, where total claims
exceed $75,000.00, each one is pro-rated. In this statutory frame-work, a trustee cannot pay any claim
before the 60 days expires because the pro-ration formula would keep changing. It would not have
mattered if the complainant’s claim was the first or last, it could not have even been calculated until all
timely claims were accounted for. Unfortunately, it appears that on October 24 the complainant called
and was merely told (based partially upon a form letter that complainant never actually received) that
her claim was “denied” with no further explanation. As I understand it, in a second phone call that same
day, the complainant was informed that her claim was not outright “denied” but that it would be prorated.
I understand that confusing messages do not breed trust and we again apologize for the
confusion we created.
That said, there were 60 timely submitted claims against this particular broker including the
complainants. Liberty does not and will not make a practice of providing detailed financial information
via this public forum, however, and will not provide specific information on the other claims filed against
this broker’s trust fund. However, by the time this answer posts, the complainant should have already
received her check for payment from Liberty. If the complainant would like further information on the
actual total amount of claims made within the 60 day period, and how we calculated her prorated
amount, we welcome her to email us with that request, and we will route her to the individual can
provide that information.
Again, the complainant should have had an easier experience in obtaining payment. We apologize that
she did not, and we are making changes to avoid this problem in the future
Complaint: ***
I am rejecting this response because:Thank you for your response, but we would like to know what is the total prorated amount that Liberty National Financial will pay us. You said the payment will be going out in December. We didn't receive any checks yet. What amount should we expect to receive from you and when?
Sincerely
Liberty contacted *** on December 18th via email and below is the response
***, The check that was written out to you returned as not deliverable as addressed. IT was mailed to the address your provided in the email. Below is the address it was mailed to. Please email us the correct address to mail the check back. Thank you and Happy Holidays!
Liberty received a response from *** and below is their communication
Hello!It is very weird that the check that you mailed has been returned to you as not deliverable. I receive all my mail every day and never had a problem as such.The address is correct. I will come to your office tomorrow to pick up my check, it is not necessary for you to send it again to me. Please keep the check in its original envelope, the one that was returned back to you by mail service. Thanks,***
Also please refer to our response dated 12/14/2017 about the prorated amount. Attached find the check that was returned. You were notified of this and came to our office to pick up the check. Find the check number and your signature on the back of the check. The check went out in December. You picked it up and cashed it in December.
Thank you
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.
Sincerely
We hauled a vehicle from Florida to Rhode Island on 9/29/2016 brokered by ***. We were never paid for this service. We submitted a claim for non-payment in October 2016 to Liberty Financial who is the broker bond company. We received a receipt of claim on 11/07/2016. Over the next several months, we received no updates. We called in to request information and was told it was processing, they will contact us when they get ready to send a check. In May of 2016, we were told that the claim would be paid at the end of June. The end of June came and went without a call or payment. At the beginning of July, we called in and were told they were shorthanded and that it would be sent at the end of July. The end of July came and went without a phone call or payment. We called in the beginning of August and we were told they couldn't send the check without verifying our address. Our address is the same as it is listed on the claim form and the DOT website. We were told that now that we verified the address it would be mailed at the end of August. The end of August came and went without a call or payment. We called in several times and did not receive any call back from our voicemails. We finally got through to them at which time we were told that check #*** was mailed out 8/22/17. It had been 2 weeks since then and I had received all other accounts receivable. They said it was probably due to Hurricane Harvey and that I would just have to wait. We are in FL and they are in OK, the hurricane in TX has no impact on that mail route. It is now 9/27/17. I have called and emailed several times without much response. Today we spoke with *** who stated that if the check is lost, we are liable for the fee for canceling the check with their bank and will take up to 6 weeks to process a new check. Another person in their office told us that they have been having issues with all their checks getting to claimants. We are owed $400
The complaint ID, check no. *** for $400 was mailed to *** to the address PO BOX *** FL ***. According to ***, the address is correct. Attached is the check that was mailed. The check details were also provided to ***. With our experience in the past it has taken almost more than 6 weeks for the check to return.
The trucking company wants us to send the whole copy were it shows the routing no. and checking no. to deposit the bank immediately. Liberty national cannot provide all the information when a check is already mailed out. The payment can be taken twice by ***.
Liberty has been patiently working with ***, it is not our fault when the check has already been mailed. They have called us several times and each time we have patiently answered their question, giving them the options. We have given them options on how to handle the check and since they did not like the options, a complaint has been filed with Revdex.com.
Complaint: ***
I am rejecting this response because:We have not received payment
Sincerely
CHECK NO. *** HAS BEEN ISSUED AND CLEARED ON OUR END. COPY OF THE CHECK WAS SENT TO MR.. WE ARE NOT SURE WHY THERE IS A COMPLAINT STILL. THIS CLAIM IS CLOSED ON OUR END.
We are an over the road carrier and hauled a load for the company, *** Express, we never got paid by them so filed a claim with their bond company, Liberty National. Liberty National is saying we are exempt from getting paid because we hauled onions and they are "*** produce". They are saying under law 104-88 it is exempt, but under that law it says "a motor vehicle controlled & operated by a farmer and transporting (A) the Farmers agricultural commodities & products; or (B) Supplies to the farm of the farmer. We did neither of those. We picked up the onions at a packing company and they were on pallets, ready to be delivered. They have been pushing me off since March 2017 and still are not wanting to pay us.
As per the conversation we had attached are the documents showing that the claim was denied due to the fact that the commodity that was hauled is exempt commodity. The commodity hauled is *** onions. Even though the onions were packaged, it is still an exempt commodity. The product needs to be changed from its raw state in order for it to not be exempt, such as cooked in some matter to preserve it. Attached please find the documents showing why the claim is denied. This has been clearly explained to *** but were not satisfied and therefore filed a complaint with Revdex.com.
List of paperwork attached along with email.
1. Liberty denial letter,
2. Exempt commodity list pulled from Federal Motor Carrier Safety Administration since Liberty follows the federal guidelines
.FMCSA - Composite Commodity List
Of Administrative Ruling No 119
Bagged – Exempt – Law
3. Bill of Lading which clearly states that the commodity hauled is exempt commodity. Highlighted the exempt commodity portion
4. Claim form - clearly explains to read the instructions carefully before filling the form. Attached is the claim form for your reference.
Please acknowledge once you receive this. Thank you
Thank you
Complaint: ***
I am rejecting this response because:It is the same exact response/information they sent on 10/4/17. So clearly Liberty National Financial Corp. cannot explain to me why they will not pay. Kind of a fraud for a company and would stay far away.
Sincerely