Massachusetts Mutual Life Insurance Company (Headquarters)

MassMutual Financial Group emails advertisements from which there is no legitimate way to unsubscribe.MassMutual Financial Group sent me advertisements through email I did not request. When I clicked on the link to unsubscribe, I was sent to a page advertising more of their products--not a place to take my email address off of their list. I don't know if this is purposeful or an oversight, but I consider it offensive and a bad business practice. I get to decide from whom I want to receive emails; that means I have the ability to deny others the right to use my address. When that right is taken away, their customer service is at fault. Desired SettlementI want MassMutual Financial Group to provide a legitimate and clear unsubscribe link in every email they send out; and, I want my email address taken off their mailing list. Business Response I am writing with respect to your letter to MassMutual Customer Relations dated [redacted] 2015 regarding the above referenced case. You have asked that we provide a response to Ms. [redacted]' concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]' concerns.Please be assured that we will research Ms. [redacted]' concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at X-XXX-XXX-XXXX XXXXXX.Sincerely,[redacted]

I had email twice now regard two [redacted] forms which I received. No respond regarding the one. The other one I knew about.I email mass mutual twice now. Then I roll over my 401k I ask before hand if I was going to pay tax. I was told no by [redacted]. I understood that I was going to receive one for my loan which it not correct. I have not heard from anyone but [redacted] which I could not speak with nor do I wNt to talk with him. I send an email [redacted] and [redacted] Nothing from mass mutual. I was lie too and not explain everything. Not happy at all with the service . If I had known that I was going to pay tax I would.d had never switch my account over. But no one said anything but [redacted] said it was a miscommunication no I ask him and ask again. There was no miscommunication .Desired SettlementI would like them to pay the amount of the federal that I had which over that one head told me but I ask them more than twice regarding this.Business Response [redacted] XXXXXRe: Case #XXXXXX[redacted] Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted], dated [redacted] 2015, regarding your file referenced above. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will Ms. [redacted]'s concerns and address them directly with her.Feel free to contact me if you need additional assistance.Sincerely,[redacted] XXXXX[redacted] (XXX) XXX-XXXX

Bought whole life in 1980 and in 1987 a friend had me to take out another policy on the first one and told me it would be a great. I know 18k.Over the years I did not keep track of policy and when I found out I had a loan was this big I called my broker and he told me to write a letter and ask them to make my original policy whole and eliminate the second one. I wrote them the letter and they flatly refused my request with no other offers.Desired SettlementJust to make my first policy whole or as if I was never scammed into taking out the second one.Business Response I am writing with respect to your letter to MassMutual Customer Relations, dated October 23, 2014, regarding your case referenced above. You have asked that we provide a response to Mr. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted]'s concerns.Please be assured that we will research Mr. [redacted]'s concerns and address them directly with him.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at [redacted] XXXXXX.Sincerely,[redacted]Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)This is just the beginning for me I am going to look at every review site and add my two cents to what a terrible company mass life is until I get some kind of justice.

My name is [redacted], By way of introduction, I am a sixty-four year old retired [redacted] administrator and also previously worked for the [redacted] of [redacted] and the State of [redacted] and [redacted]I have had a long (45 year) association as a customer of the Connecticut Mutual/Mass Mutual Life Insurance Company.I was first sold a $10,000 Connecticut Mutual Life Insurance Policy in [redacted] of [redacted] I maintained this policy until October of 1990 when I was persuaded to roll it into a larger, $75,000 Policy. The agent was [redacted] I had married since I purchased the earlier policy and now had two children living at home.At the time Mr. [redacted] (who has since passed away) explained to my wife and I that we were to pay $800.00 the first year. The next year $1900.00 from the $10,000 policy would be rolled over and applied to the new policy and we were to pay a $200.00 yearly premium which could be paid in quarterly installments. The foregoing was mutually agreed to and the arrangement commenced.Through the course of the ensuing 23 years we faithfully paid the premiums with the belief that the policy as agreed to was fully intact. We were never contacted by any agent of Mass Mutual alert¬ing us that there was any need to change or increase the previously agreed to payments.In [redacted] (XXXX) my wife sent in the quarterly $50.00 payment.In [redacted] we received several documents in the mail. A Special Notice that stated that the policy was in danger of terminating if $246.63 was not received by [redacted] The Notice of Payment Due was confusing. It stated that the Quarterly Payment Due was now $246.63. The informational statement on the form was even more confusing. It said that a minimum payment of $246.63 was required or we had the option of paying the original planned payments (which were $50.00) totaling $249.99 (?).However, the most concerning form was the Policy Lapse Dates. It said that the policy would not maintain the insurance in force unless a minimum payment of $905.73 is made prior to [redacted]All of this led to a call to the Mass Mutual Service Center. [redacted] I spoke to Mr. [redacted] He could not specifically respond to my questions and concerns. He suggested that I request a Policy Report to help explain. I asked him to have one forwarded to me by email.In an effort to avoid a policy cancellation my wife forwarded a check for the $246.63 (this is in addition to the previously submitted $50.00). I also placed call to [redacted] of Continuum Financial/Mass Mutual in Omaha. I was referred to a [redacted] who agreed to review the report and help us interpret the information. He indicated to me that the policy was not cancelled.My wife forwarded him the email from Mass Mutual and he scheduled us to meet with him on Wednesday, [redacted]In the [redacted] meeting Mr. [redacted] advised my wife and I that he had reviewed the report, that the policy is a [redacted] Policy, that there was no cash value left in it, and added that if the new higher premiums were not paid, the policy would lapse. He said that these premiums would continue to increase next year and in the years after.We expressed concerns that we had never been advised that we needed to increase the premiums, that was not explained when the policy was sold to us and that we had a long history with the company. We also advised him that at this stage of our lives such continuously rising premiums were unaffordable. I questioned why the increase should occur now that I am retired and again asked why this was not previously brought to our attention.Mr. [redacted] said that there was nothing he could do. Needless to say we left his office extremely frustrated, feeling that we were out of alternatives, had no life insurance policy on me, and the company did not care.(The foregoing is the first half of my complaint. The following is the second half)A few days after the [redacted] meeting Mr. [redacted] called me at my home and said that he had another option, based on my status as a "valued client". He said that there was a $15,000 whole life policy and mentioned some of it's characteristics. Because I was feeling desperate to see that my wife, children, and grandchildren would at least have some insurance based financial legacy, I requested to meet with him and bring my wife along. A meeting was scheduled for [redacted]At the[redacted] meeting, based on his explanation of it, we completed the entire application process, including providing names, addresses, and social security numbers of my beneficiaries. Mr. [redacted] said that a physical examination would be required as a part of the process and I agreed to this. I believed that based on my knowledge of my medical history and Mr. [redacted] extensive experience, as described in his on-line Bio, the concerns about about my having some kind of life insurance were close to resolution. I was willing to accept the much lower face value and the premiums, which would be considerably higher than we had been paying.I had the physical on [redacted]I did not hear anymore from Mr. [redacted] until [redacted] At that time he advised me that "everything went through okay" as far as the physical. However, he added that the company Underwriters would not approve me for a $15,000 policy. The lowest they would go would be a $25,000 policy. He advised me of the cost of these premiums and I expressed renewed concerns about our budget and the costs.I felt very much that this was a "Bait and Switch" tactic and have not accepted the $25,000 policy.At approximately this same time I received a letter from a Mr. [redacted] Customer Relations Consultant with Mass Mutual. Although parts of the letter were confusing to me ( I am not an insurance expert), it basically reiterated Mr. [redacted] description that my policy was a [redacted] policy. Several documents were forwarded to me, that according to Mr. [redacted] , indicated that I "knew or should have known" this.However, it did not explain why, at no point over the last 23 years, did any agent of the company contact us to increase the premium. As I asked him in a letter I subsequently sent in response, how were we to know to increase the payment and by how much? Obviously if I knew I would have paid the higher premium or inquired about other options before I would let the policy lapse. As I pointed out, no quarterly payment was ever turned down or returned indicating it was insufficient.In his correspondence Mr. [redacted] referenced a class action settlement, [redacted] v. [redacted] He indicated that I could have previously submitted a claim under it under a Claim Review Process. However, as I noted in my response, Mass Mutual did not contact me to explain the situation and describe my options. An agent of the company should have notified me. If I would have known the ramifications of not submitting such a claim, I would have pursued this.I sent my letter to Mr. [redacted] on [redacted] 2014.As of the date of this communication I have received no response.I feel that such extremely negligent customer service practices and questionable sales tactics warrant this complaint.I would have submitted one of the forms described on your website, however, I believed that since there was such a long drawn out series of events, it might be easier to understand by sending it in letter form. Let me know if the form is required or if any additional information is needed,I can be reached by telephone at (XXX) XXX-XXXX or mail correspondence if you have any questions.Business Response Good afternoon [redacted],I am writing with respect to your letter to Ms. [redacted] dated [redacted] regarding your file referenced above. You have asked that we provide a response to Mr. [redacted] concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted] concerns.Please be assured that we will research Mr. [redacted] concerns and address them directly with him.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at [redacted], xXXXXX.Sincerely,[redacted]Consumer Response Dear [redacted]I apologize for not getting back to you before today, [redacted] the date your [redacted] letter advised me to provide my position to the company's response. I did not receive your letter until late last Friday and I was awaiting the outcome of communications [redacted] and I were having regarding this matter. He contacted me by mail shortly after my complaint was submitted. I replied and the issue of the company's failure to issue me the $15,000 whole life policy has been resolved as of yesterday, [redacted]However, the concerns regarding the previous $75,000 policy remain unresolved.In regard to [redacted] response, I felt it basically said that you were out of your jurisdiction,that they were going to address my concerns with me directly,and really did not provide an explanation to you addressing my complaint. My hope in submitting my complaint to your organization was that a neutral third party could examine both sides of the issues and help bring about a resolution. I am requesting you to please review my complaint again, look at Mr. [redacted] response, and let me know your thoughts.Any assistance you can offer in this matter would be greatly appreciated.Sincerely,[redacted]Consumer Response Consumer supplied email: [redacted]@gmail.comBusiness Response I am writing with respect to your letter to Ms. [redacted] dated [redacted] regarding your file referenced above. You have asked that we provide a response to Mr. [redacted]'s additional concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted]'s concerns.Please be assured that we will research Mr. [redacted]'s concerns and address them directly with him.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at [redacted] xXXXXX.Sincerely,[redacted]Consumer Response I am forwarding this as a follow up to our telephone discussion this morning. As I advised you, I have decided to withdraw this complaint so you may list it on your records as resolved. I thank you for your consideration and helpfulness in this matter. Please let me know if you need any further information. [redacted] XXXXX(XXX) XXX-XXXX

On behalf of my elderly father, [redacted]; I am filing this complaint on MassMutual Financial Group/The Hartford; the retirement investment division of the Hartford company. Back in [redacted] 2014 the Hartford wired [redacted] in to a [redacted] account that was not my father's account. My father was notified by receiving a letter from [redacted] indicating there was some usually activity on his account. My father notified [redacted] by phone to advise them he did not have account with [redacted] In addition my father contacted The Hartford regarding the information he received from [redacted] of the unauthorized wire transfer of the [redacted] The Hartford wired the money to the [redacted] account without contacting my father to confirm/ approve the transfer. The [redacted] was wired [redacted] 2014 and by [redacted] 8 or ** 2014; [redacted] had been withdrawn from the account. This was done through ATM withdrawals and the temporary checks given at time the account was setup, they do not have an identifying information, their blank checks. [redacted] open the account was setup without a picture ID and with a post office box as an address. Since [redacted] 2014 to current day, my father has been getting the run around between The Hartford and [redacted] when calling to find out when his money will be returned. The information he receives from the customer service support is the information is in the fraud investigation department. When he asked to speak with a manager or higher level, he is told no one is available. Not one level of management from either financial institute has ever once called or written to my father regarding what we see as a very serious matter. My father is very stressed about the situation and is becoming anxious about the situation and feels he will never get his [redacted] money back. Please contact me, as my father and I will be happy to discuss further moreover getting some resolution. Thank you for your help. [redacted] c/o [redacted] XXX-XXX-XXXX or [redacted] ([redacted])Desired SettlementThe return of the [redacted] plus interest on the time the money has left his account to the day it is returned. In addition to have the management from both financial institutes held accountable for their neglect to respond to my father.Business Response [redacted]6 [redacted] MA 01605Re: Case #XXXXXX[redacted]Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted] and [redacted], dated [redacted] 2015, regarding your file referenced above. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will Ms. [redacted]'s concerns and address them directly with her.Feel free to contact me if you need additional assistance,.Sincerely, [redacted] XXXXX[redacted] (XXX) XXX-XXXX

Bought whole life in 1980 and in 1987 a friend had me to take out another policy on the first one and told me it would be a great. I know 18k.Over the years I did not keep track of policy and when I found out I had a loan was this big I called my broker and he told me to write a letter and ask them to make my original policy whole and eliminate the second one. I wrote them the letter and they flatly refused my request with no other offers.Desired SettlementJust to make my first policy whole or as if I was never scammed into taking out the second one.Business Response I am writing with respect to your letter to MassMutual Customer Relations, dated October 23, 2014, regarding your case referenced above. You have asked that we provide a response to Mr. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted]'s concerns.Please be assured that we will research Mr. [redacted]'s concerns and address them directly with him.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at [redacted] XXXXXX.Sincerely,[redacted]Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)This is just the beginning for me I am going to look at every review site and add my two cents to what a terrible company mass life is until I get some kind of justice.

My daughter is a minor, has been receiving letters for an account with this company she has never signed up with. This is a SCAM. We started receiving letters for our daughter about a IATSE Annuity Fund from MassMutual, [redacted] She has never ever heard of this, she just turned 18. We started getting letters from this company when she was 17. There is even an account number of XXXXX-X-X-X. This has got to be some kind of SCAM and it should be investigated. We have received letters with financial statements containg vague financial information, our daughters name and birth year. Again, we have no idea what this is.Desired SettlementWe want all our daughters information removed from this company and a certified letter stating this. We would also like to know how this company acquired our daughters information and if any damages occur to her from this we will proceed with litigation.Business Response October 30, 2014Ms. [redacted]Revdex.comCentral and Western Massachusetts and Northeastern ConnecticutRe: Complaint Case Number: XXXXXX[redacted]Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted], dated October 23, 2014, regarding your file referenced above. You have asked that we provide a response to Mr. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted]'s concerns.Please be assured that we will Mr. [redacted]'s concerns and address them directly with him.If you need additional assistance, please call our Participant Information Center toll-free at X-XXX-XXX-XXXX between 8:00 AM and 8:00 PM EST Monday through Friday.Sincerely,[redacted]Retirement Services [redacted] XXXXXPhone (XXX) XXX-XXXXConsumer Response (The consumer indicated he/she DID NOT accept the response from the business.)This response does not address any of our concerns. We have nothing to do with this organization and believe it to be a scam.Final Business Response This complaint was responded to directly to the Participant, [redacted], on November 14, 2014. Final Consumer Response They mailed a letter saying her name was removed from their system. It had to do with a one day job she did when she was 17 or 18 a year or so ago working back stage with a theater production. She still has no idea how she was signed up with MassMutual.This could have all been avoided though if MassMutual had sent some sort of detailed introduction letter explaining who/how she was signed up. There was nothing. We just started receiving financial statements but no details about what or where the money came from. There was nothing saying who the employer was, just a blank line where you would have expected to see it. Here social security number was not on the statement either. It looked like some sort of identity theft/scam that had our daughters name and address but nothing else.Anyway, thanks again for your help in resolving this matter.[redacted]

My daughter is a minor, has been receiving letters for an account with this company she has never signed up with. This is a SCAM. We started receiving letters for our daughter about a IATSE Annuity Fund from MassMutual, [redacted] She has never ever heard of this, she just turned 18. We started getting letters from this company when she was 17. There is even an account number of XXXXX-X-X-X. This has got to be some kind of SCAM and it should be investigated. We have received letters with financial statements containg vague financial information, our daughters name and birth year. Again, we have no idea what this is.Desired SettlementWe want all our daughters information removed from this company and a certified letter stating this. We would also like to know how this company acquired our daughters information and if any damages occur to her from this we will proceed with litigation.Business Response October 30, 2014Ms. [redacted]Revdex.comCentral and Western Massachusetts and Northeastern ConnecticutRe: Complaint Case Number: XXXXXX[redacted]Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted], dated October 23, 2014, regarding your file referenced above. You have asked that we provide a response to Mr. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted]'s concerns.Please be assured that we will Mr. [redacted]'s concerns and address them directly with him.If you need additional assistance, please call our Participant Information Center toll-free at X-XXX-XXX-XXXX between 8:00 AM and 8:00 PM EST Monday through Friday.Sincerely,[redacted]Retirement Services [redacted] XXXXXPhone (XXX) XXX-XXXXConsumer Response (The consumer indicated he/she DID NOT accept the response from the business.)This response does not address any of our concerns. We have nothing to do with this organization and believe it to be a scam.Final Business Response This complaint was responded to directly to the Participant, [redacted], on November 14, 2014. Final Consumer Response They mailed a letter saying her name was removed from their system. It had to do with a one day job she did when she was 17 or 18 a year or so ago working back stage with a theater production. She still has no idea how she was signed up with MassMutual.This could have all been avoided though if MassMutual had sent some sort of detailed introduction letter explaining who/how she was signed up. There was nothing. We just started receiving financial statements but no details about what or where the money came from. There was nothing saying who the employer was, just a blank line where you would have expected to see it. Here social security number was not on the statement either. It looked like some sort of identity theft/scam that had our daughters name and address but nothing else.Anyway, thanks again for your help in resolving this matter.[redacted]

On behalf of my elderly father, [redacted]; I am filing this complaint on MassMutual Financial Group/The Hartford; the retirement investment division of the Hartford company. Back in [redacted] 2014 the Hartford wired [redacted] in to a [redacted] account that was not my father's account. My father was notified by receiving a letter from [redacted] indicating there was some usually activity on his account. My father notified [redacted] by phone to advise them he did not have account with [redacted] In addition my father contacted The Hartford regarding the information he received from [redacted] of the unauthorized wire transfer of the [redacted] The Hartford wired the money to the [redacted] account without contacting my father to confirm/ approve the transfer. The [redacted] was wired [redacted] 2014 and by [redacted] 8 or ** 2014; [redacted] had been withdrawn from the account. This was done through ATM withdrawals and the temporary checks given at time the account was setup, they do not have an identifying information, their blank checks. [redacted] open the account was setup without a picture ID and with a post office box as an address. Since [redacted] 2014 to current day, my father has been getting the run around between The Hartford and [redacted] when calling to find out when his money will be returned. The information he receives from the customer service support is the information is in the fraud investigation department. When he asked to speak with a manager or higher level, he is told no one is available. Not one level of management from either financial institute has ever once called or written to my father regarding what we see as a very serious matter. My father is very stressed about the situation and is becoming anxious about the situation and feels he will never get his [redacted] money back. Please contact me, as my father and I will be happy to discuss further moreover getting some resolution. Thank you for your help. [redacted] c/o [redacted] XXX-XXX-XXXX or [redacted] ([redacted])Desired SettlementThe return of the [redacted] plus interest on the time the money has left his account to the day it is returned. In addition to have the management from both financial institutes held accountable for their neglect to respond to my father.Business Response [redacted]6 [redacted] MA 01605Re: Case #XXXXXX[redacted]Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted] and [redacted], dated [redacted] 2015, regarding your file referenced above. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will Ms. [redacted]'s concerns and address them directly with her.Feel free to contact me if you need additional assistance,.Sincerely, [redacted] XXXXX[redacted] (XXX) XXX-XXXX

My name is [redacted], By way of introduction, I am a sixty-four year old retired [redacted] administrator and also previously worked for the [redacted] of [redacted] and the State of [redacted] and [redacted]I have had a long (45 year) association as a customer of the Connecticut Mutual/Mass Mutual Life Insurance Company.I was first sold a $10,000 Connecticut Mutual Life Insurance Policy in [redacted] of [redacted] I maintained this policy until October of 1990 when I was persuaded to roll it into a larger, $75,000 Policy. The agent was [redacted] I had married since I purchased the earlier policy and now had two children living at home.At the time Mr. [redacted] (who has since passed away) explained to my wife and I that we were to pay $800.00 the first year. The next year $1900.00 from the $10,000 policy would be rolled over and applied to the new policy and we were to pay a $200.00 yearly premium which could be paid in quarterly installments. The foregoing was mutually agreed to and the arrangement commenced.Through the course of the ensuing 23 years we faithfully paid the premiums with the belief that the policy as agreed to was fully intact. We were never contacted by any agent of Mass Mutual alert¬ing us that there was any need to change or increase the previously agreed to payments.In [redacted] (XXXX) my wife sent in the quarterly $50.00 payment.In [redacted] we received several documents in the mail. A Special Notice that stated that the policy was in danger of terminating if $246.63 was not received by [redacted] The Notice of Payment Due was confusing. It stated that the Quarterly Payment Due was now $246.63. The informational statement on the form was even more confusing. It said that a minimum payment of $246.63 was required or we had the option of paying the original planned payments (which were $50.00) totaling $249.99 (?).However, the most concerning form was the Policy Lapse Dates. It said that the policy would not maintain the insurance in force unless a minimum payment of $905.73 is made prior to [redacted]All of this led to a call to the Mass Mutual Service Center. [redacted] I spoke to Mr. [redacted] He could not specifically respond to my questions and concerns. He suggested that I request a Policy Report to help explain. I asked him to have one forwarded to me by email.In an effort to avoid a policy cancellation my wife forwarded a check for the $246.63 (this is in addition to the previously submitted $50.00). I also placed call to [redacted] of Continuum Financial/Mass Mutual in Omaha. I was referred to a [redacted] who agreed to review the report and help us interpret the information. He indicated to me that the policy was not cancelled.My wife forwarded him the email from Mass Mutual and he scheduled us to meet with him on Wednesday, [redacted]In the [redacted] meeting Mr. [redacted] advised my wife and I that he had reviewed the report, that the policy is a [redacted] Policy, that there was no cash value left in it, and added that if the new higher premiums were not paid, the policy would lapse. He said that these premiums would continue to increase next year and in the years after.We expressed concerns that we had never been advised that we needed to increase the premiums, that was not explained when the policy was sold to us and that we had a long history with the company. We also advised him that at this stage of our lives such continuously rising premiums were unaffordable. I questioned why the increase should occur now that I am retired and again asked why this was not previously brought to our attention.Mr. [redacted] said that there was nothing he could do. Needless to say we left his office extremely frustrated, feeling that we were out of alternatives, had no life insurance policy on me, and the company did not care.(The foregoing is the first half of my complaint. The following is the second half)A few days after the [redacted] meeting Mr. [redacted] called me at my home and said that he had another option, based on my status as a "valued client". He said that there was a $15,000 whole life policy and mentioned some of it's characteristics. Because I was feeling desperate to see that my wife, children, and grandchildren would at least have some insurance based financial legacy, I requested to meet with him and bring my wife along. A meeting was scheduled for [redacted]At the[redacted] meeting, based on his explanation of it, we completed the entire application process, including providing names, addresses, and social security numbers of my beneficiaries. Mr. [redacted] said that a physical examination would be required as a part of the process and I agreed to this. I believed that based on my knowledge of my medical history and Mr. [redacted] extensive experience, as described in his on-line Bio, the concerns about about my having some kind of life insurance were close to resolution. I was willing to accept the much lower face value and the premiums, which would be considerably higher than we had been paying.I had the physical on [redacted]I did not hear anymore from Mr. [redacted] until [redacted] At that time he advised me that "everything went through okay" as far as the physical. However, he added that the company Underwriters would not approve me for a $15,000 policy. The lowest they would go would be a $25,000 policy. He advised me of the cost of these premiums and I expressed renewed concerns about our budget and the costs.I felt very much that this was a "Bait and Switch" tactic and have not accepted the $25,000 policy.At approximately this same time I received a letter from a Mr. [redacted] Customer Relations Consultant with Mass Mutual. Although parts of the letter were confusing to me ( I am not an insurance expert), it basically reiterated Mr. [redacted] description that my policy was a [redacted] policy. Several documents were forwarded to me, that according to Mr. [redacted] , indicated that I "knew or should have known" this.However, it did not explain why, at no point over the last 23 years, did any agent of the company contact us to increase the premium. As I asked him in a letter I subsequently sent in response, how were we to know to increase the payment and by how much? Obviously if I knew I would have paid the higher premium or inquired about other options before I would let the policy lapse. As I pointed out, no quarterly payment was ever turned down or returned indicating it was insufficient.In his correspondence Mr. [redacted] referenced a class action settlement, [redacted] v. [redacted] He indicated that I could have previously submitted a claim under it under a Claim Review Process. However, as I noted in my response, Mass Mutual did not contact me to explain the situation and describe my options. An agent of the company should have notified me. If I would have known the ramifications of not submitting such a claim, I would have pursued this.I sent my letter to Mr. [redacted] on [redacted] 2014.As of the date of this communication I have received no response.I feel that such extremely negligent customer service practices and questionable sales tactics warrant this complaint.I would have submitted one of the forms described on your website, however, I believed that since there was such a long drawn out series of events, it might be easier to understand by sending it in letter form. Let me know if the form is required or if any additional information is needed,I can be reached by telephone at (XXX) XXX-XXXX or mail correspondence if you have any questions.Business Response Good afternoon [redacted],I am writing with respect to your letter to Ms. [redacted] dated [redacted] regarding your file referenced above. You have asked that we provide a response to Mr. [redacted] concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted] concerns.Please be assured that we will research Mr. [redacted] concerns and address them directly with him.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at [redacted], xXXXXX.Sincerely,[redacted]Consumer Response Dear [redacted]I apologize for not getting back to you before today, [redacted] the date your [redacted] letter advised me to provide my position to the company's response. I did not receive your letter until late last Friday and I was awaiting the outcome of communications [redacted] and I were having regarding this matter. He contacted me by mail shortly after my complaint was submitted. I replied and the issue of the company's failure to issue me the $15,000 whole life policy has been resolved as of yesterday, [redacted]However, the concerns regarding the previous $75,000 policy remain unresolved.In regard to [redacted] response, I felt it basically said that you were out of your jurisdiction,that they were going to address my concerns with me directly,and really did not provide an explanation to you addressing my complaint. My hope in submitting my complaint to your organization was that a neutral third party could examine both sides of the issues and help bring about a resolution. I am requesting you to please review my complaint again, look at Mr. [redacted] response, and let me know your thoughts.Any assistance you can offer in this matter would be greatly appreciated.Sincerely,[redacted]Consumer Response Consumer supplied email: [redacted]@gmail.comBusiness Response I am writing with respect to your letter to Ms. [redacted] dated [redacted] regarding your file referenced above. You have asked that we provide a response to Mr. [redacted]'s additional concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mr. [redacted]'s concerns.Please be assured that we will research Mr. [redacted]'s concerns and address them directly with him.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at [redacted] xXXXXX.Sincerely,[redacted]Consumer Response I am forwarding this as a follow up to our telephone discussion this morning. As I advised you, I have decided to withdraw this complaint so you may list it on your records as resolved. I thank you for your consideration and helpfulness in this matter. Please let me know if you need any further information. [redacted] XXXXX(XXX) XXX-XXXX

Fraudulent activity with my accounts.Upon the recent passing of my spouse, I inquired as to the balance of my 3 accounts, to find they were surrendered in 2003, without my permission, or knowledge. Mass Mutual has been deficient in verifying to me the details of these transactions.[redacted]XXXXX [redacted] XXXXXwas the representative in regards to my accounts.He hasn't returned my calls either.Desired SettlementWould like verification to said transactions, as well as reimbursement of funds missing with interest.Business Response I am writing with respect to your letter to MassMutual Customer Relations dated [redacted] regarding the above referenced case. You have asked that we provide a response to Mrs. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mrs. [redacted]'s concerns.Please be assured that we will research Mrs. [redacted]'s concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact us at X-XXX-XXX-XXXX.Sincerely,[redacted]

MassMutual Financial Group emails advertisements from which there is no legitimate way to unsubscribe.MassMutual Financial Group sent me advertisements through email I did not request. When I clicked on the link to unsubscribe, I was sent to a page advertising more of their products--not a place to take my email address off of their list. I don't know if this is purposeful or an oversight, but I consider it offensive and a bad business practice. I get to decide from whom I want to receive emails; that means I have the ability to deny others the right to use my address. When that right is taken away, their customer service is at fault. Desired SettlementI want MassMutual Financial Group to provide a legitimate and clear unsubscribe link in every email they send out; and, I want my email address taken off their mailing list. Business Response I am writing with respect to your letter to MassMutual Customer Relations dated [redacted] 2015 regarding the above referenced case. You have asked that we provide a response to Ms. [redacted]' concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]' concerns.Please be assured that we will research Ms. [redacted]' concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at X-XXX-XXX-XXXX XXXXXX.Sincerely,[redacted]

I had email twice now regard two [redacted] forms which I received. No respond regarding the one. The other one I knew about.I email mass mutual twice now. Then I roll over my 401k I ask before hand if I was going to pay tax. I was told no by [redacted]. I understood that I was going to receive one for my loan which it not correct. I have not heard from anyone but [redacted] which I could not speak with nor do I wNt to talk with him. I send an email [redacted] and [redacted] Nothing from mass mutual. I was lie too and not explain everything. Not happy at all with the service . If I had known that I was going to pay tax I would.d had never switch my account over. But no one said anything but [redacted] said it was a miscommunication no I ask him and ask again. There was no miscommunication .Desired SettlementI would like them to pay the amount of the federal that I had which over that one head told me but I ask them more than twice regarding this.Business Response [redacted] XXXXXRe: Case #XXXXXX[redacted] Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted], dated [redacted] 2015, regarding your file referenced above. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will Ms. [redacted]'s concerns and address them directly with her.Feel free to contact me if you need additional assistance.Sincerely,[redacted] XXXXX[redacted] (XXX) XXX-XXXX

On behalf of my elderly father, [redacted]; I am filing this complaint on MassMutual Financial Group/The Hartford; the retirement investment division of the Hartford company. Back in [redacted] 2014 the Hartford wired [redacted] in to a [redacted] account that was not my father's account. My father was notified by receiving a letter from [redacted] indicating there was some usually activity on his account. My father notified [redacted] by phone to advise them he did not have account with [redacted] In addition my father contacted The Hartford regarding the information he received from [redacted] of the unauthorized wire transfer of the [redacted] The Hartford wired the money to the [redacted] account without contacting my father to confirm/ approve the transfer. The [redacted] was wired [redacted] 2014 and by [redacted] 8 or ** 2014; [redacted] had been withdrawn from the account. This was done through ATM withdrawals and the temporary checks given at time the account was setup, they do not have an identifying information, their blank checks. [redacted] open the account was setup without a picture ID and with a post office box as an address. Since [redacted] 2014 to current day, my father has been getting the run around between The Hartford and [redacted] when calling to find out when his money will be returned. The information he receives from the customer service support is the information is in the fraud investigation department. When he asked to speak with a manager or higher level, he is told no one is available. Not one level of management from either financial institute has ever once called or written to my father regarding what we see as a very serious matter. My father is very stressed about the situation and is becoming anxious about the situation and feels he will never get his [redacted] money back. Please contact me, as my father and I will be happy to discuss further moreover getting some resolution. Thank you for your help. [redacted] c/o [redacted] XXX-XXX-XXXX or [redacted] ([redacted])Desired SettlementThe return of the [redacted] plus interest on the time the money has left his account to the day it is returned. In addition to have the management from both financial institutes held accountable for their neglect to respond to my father.Business Response [redacted]6 [redacted] MA 01605Re: Case #XXXXXX[redacted]Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted] and [redacted], dated [redacted] 2015, regarding your file referenced above. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will Ms. [redacted]'s concerns and address them directly with her.Feel free to contact me if you need additional assistance,.Sincerely, [redacted] XXXXX[redacted] (XXX) XXX-XXXX

Fraudulent activity with my accounts.Upon the recent passing of my spouse, I inquired as to the balance of my 3 accounts, to find they were surrendered in 2003, without my permission, or knowledge. Mass Mutual has been deficient in verifying to me the details of these transactions.[redacted]XXXXX [redacted] XXXXXwas the representative in regards to my accounts.He hasn't returned my calls either.Desired SettlementWould like verification to said transactions, as well as reimbursement of funds missing with interest.Business Response I am writing with respect to your letter to MassMutual Customer Relations dated [redacted] regarding the above referenced case. You have asked that we provide a response to Mrs. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mrs. [redacted]'s concerns.Please be assured that we will research Mrs. [redacted]'s concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact us at X-XXX-XXX-XXXX.Sincerely,[redacted]

Fraudulent activity with my accounts.Upon the recent passing of my spouse, I inquired as to the balance of my 3 accounts, to find they were surrendered in 2003, without my permission, or knowledge. Mass Mutual has been deficient in verifying to me the details of these transactions.[redacted]XXXXX [redacted] XXXXXwas the representative in regards to my accounts.He hasn't returned my calls either.Desired SettlementWould like verification to said transactions, as well as reimbursement of funds missing with interest.Business Response I am writing with respect to your letter to MassMutual Customer Relations dated [redacted] regarding the above referenced case. You have asked that we provide a response to Mrs. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Mrs. [redacted]'s concerns.Please be assured that we will research Mrs. [redacted]'s concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact us at X-XXX-XXX-XXXX.Sincerely,[redacted]

On behalf of my elderly father, [redacted]; I am filing this complaint on MassMutual Financial Group/The Hartford; the retirement investment division of the Hartford company. Back in [redacted] 2014 the Hartford wired [redacted] in to a [redacted] account that was not my father's account. My father was notified by receiving a letter from [redacted] indicating there was some usually activity on his account. My father notified [redacted] by phone to advise them he did not have account with [redacted] In addition my father contacted The Hartford regarding the information he received from [redacted] of the unauthorized wire transfer of the [redacted] The Hartford wired the money to the [redacted] account without contacting my father to confirm/ approve the transfer. The [redacted] was wired [redacted] 2014 and by [redacted] 8 or ** 2014; [redacted] had been withdrawn from the account. This was done through ATM withdrawals and the temporary checks given at time the account was setup, they do not have an identifying information, their blank checks. [redacted] open the account was setup without a picture ID and with a post office box as an address. Since [redacted] 2014 to current day, my father has been getting the run around between The Hartford and [redacted] when calling to find out when his money will be returned. The information he receives from the customer service support is the information is in the fraud investigation department. When he asked to speak with a manager or higher level, he is told no one is available. Not one level of management from either financial institute has ever once called or written to my father regarding what we see as a very serious matter. My father is very stressed about the situation and is becoming anxious about the situation and feels he will never get his [redacted] money back. Please contact me, as my father and I will be happy to discuss further moreover getting some resolution. Thank you for your help. [redacted] c/o [redacted] XXX-XXX-XXXX or [redacted] ([redacted])Desired SettlementThe return of the [redacted] plus interest on the time the money has left his account to the day it is returned. In addition to have the management from both financial institutes held accountable for their neglect to respond to my father.Business Response [redacted]6 [redacted] MA 01605Re: Case #XXXXXX[redacted]Dear Ms. [redacted]I am writing with respect to your letter regarding [redacted] and [redacted], dated [redacted] 2015, regarding your file referenced above. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will Ms. [redacted]'s concerns and address them directly with her.Feel free to contact me if you need additional assistance,.Sincerely, [redacted] XXXXX[redacted] (XXX) XXX-XXXX

MassMutual Financial Group emails advertisements from which there is no legitimate way to unsubscribe.MassMutual Financial Group sent me advertisements through email I did not request. When I clicked on the link to unsubscribe, I was sent to a page advertising more of their products--not a place to take my email address off of their list. I don't know if this is purposeful or an oversight, but I consider it offensive and a bad business practice. I get to decide from whom I want to receive emails; that means I have the ability to deny others the right to use my address. When that right is taken away, their customer service is at fault. Desired SettlementI want MassMutual Financial Group to provide a legitimate and clear unsubscribe link in every email they send out; and, I want my email address taken off their mailing list. Business Response I am writing with respect to your letter to MassMutual Customer Relations dated [redacted] 2015 regarding the above referenced case. You have asked that we provide a response to Ms. [redacted]' concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]' concerns.Please be assured that we will research Ms. [redacted]' concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact me at X-XXX-XXX-XXXX XXXXXX.Sincerely,[redacted]

mass mutual is stalling on releasing my funds into my current employers 401k accountI requested in writing the transfer, and they continually needed more and more items. the last items was an acceptance letter from my employer, which our current 401k administrator confirms this is not a requirement. but they did it anyways for me. I re-reached out today to find out my balance owed to me is work ** less and they state my request is outdated and I have to start over. its a complete scam and I have no idea why my account balance is ** lower now. I am requesting my funds get transferred now. and their sales charge of [redacted] gets waived!Desired SettlementI am requesting my funds get transferred now. and their sales charge of [redacted] gets waived!Business Response I am writing with respect to your email to MassMutual Customer Relations dated [redacted] regarding the above referenced case. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will research Ms. [redacted]'s concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact us at X-XXX-XXX-XXXX.Sincerely,[redacted]Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)doesn't seem like we have a choice. I did get my check 6 months after requesting. and after contacting the Revdex.com. glad to be gone, will not refer them businessFinal Consumer Response

mass mutual is stalling on releasing my funds into my current employers 401k accountI requested in writing the transfer, and they continually needed more and more items. the last items was an acceptance letter from my employer, which our current 401k administrator confirms this is not a requirement. but they did it anyways for me. I re-reached out today to find out my balance owed to me is work ** less and they state my request is outdated and I have to start over. its a complete scam and I have no idea why my account balance is ** lower now. I am requesting my funds get transferred now. and their sales charge of [redacted] gets waived!Desired SettlementI am requesting my funds get transferred now. and their sales charge of [redacted] gets waived!Business Response I am writing with respect to your email to MassMutual Customer Relations dated [redacted] regarding the above referenced case. You have asked that we provide a response to Ms. [redacted]'s concerns.While MassMutual appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address Ms. [redacted]'s concerns.Please be assured that we will research Ms. [redacted]'s concerns and address them directly with her.I hope that this addresses your concerns. If you have any questions, or need additional information, please feel welcome to contact us at X-XXX-XXX-XXXX.Sincerely,[redacted]Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)doesn't seem like we have a choice. I did get my check 6 months after requesting. and after contacting the Revdex.com. glad to be gone, will not refer them businessFinal Consumer Response