MetLife, Inc.

Review: On 05/**/2015 I received a letter stating that my homeowner's insurance was cancelled. The reasoning was that the shingles were lifted and that the fence on the side of the house was damaged. The fence has since been fixed but the issue with the shingles in non existent. I've had an inspector of 20 years review the roof on foot and said there was no issue at all as well as an FHA inspector say that there was no issue with the roof. I've spoken with MetLife and there was nothing they could do to resolve the issue. I've since had to scramble to find new homeowner's insurance causing issues now with my home with New Jersey Housing. I'm beyond stressed now trying to fix this issue and cannot believe they would do this to a valued customer who's been with them for years. Then I'm told they won't refund me my total amount paid even though I was told by a supervisor on 05/**/2015 that it would be refunded to me.Desired Settlement: I need the remaining money refunded to me or if possible I need them to re-instate my policy as is.

Review: On September 2012, I called Metlife (Tricare Dental Program) to discuss my dental benefits. Metlife had promised to pay a portion of my dental bill for my braces. We had a recorded conversation about how they would cover their portion of the bill. Although asked many times, they continued to state that they would cover their promised amount. On June **, 2013 I called Metlife to address the payment and was refused payment on account of my age. This violates the promise that was made to me over the coverage. They stated I would be contacted by them on either Monday, but no later than Tuesday, to resolve this issue. On July *, 2013 after not being contacted by the date stated I called Metlife back myself. This time I was appointed to a senior representative. Not being able to come to an agreement, I requested that I receive a copy of the recorded conversation on which the promised coverage was made. The representative refused to give me a copy of the conversation. It wasn't until I requested to speak to someone of higher authority that she stated that I could receive a copy of the conversation via a hand written complaint and have it faxed. I feel as if Metlife is not honoring their part of the agreement and this is fraud. Product_Or_Service: OrthodontistDesired Settlement: DesiredSettlementID: Other (requires explanation) I would like the promised amount honored by Metlife to be paid.

Business

Response:

We have received your letter of complaint, concerning [redacted], a claimant under the TRICARE Dental Plan, which is a fully insured group dental plan, sitused in DC.

As you may be aware, Federal law requires a HIPAA authorization from a participant, in order to release claim details to a third-party. At this time, MetLife does not have an authorization on file from the participant to release information to your office. As such, we have reviewed the concerns brought forth and have issued a written response directly to the complainant, explaining our position, which he should expect to receive within the next five to seven business days.

Please address any subsequent correspondence regarding this complaint to the following address:

[redacted]

We hope this clarifies our position in this matter and will enable you to close your file.

Consumer

Response:

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

[Your Answer Here]

We would like to ensure we receive all recording so there is no confusion or mistakes. When would we expect to receive copies of all the recordings? Another concern is in order to receive our recorded messages and for it to be given to yourself we must acquire a subpoena? I just want to make sure that this is correct. I would also like more clarification as to information that was given through the phone as stated in a previous letter is “not guaranteed”. We asked specific question through the phone so that there would be no confusion, not just from our end but also from the orthodontist’s office. Why tell us we are covered then turn around and say no we are not and then we are in a financial situation we were not prepared for. Makes no sense in my opinion!

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

Sincerely,

Business

Response:

We have received your additional concerns submitted to the Revdex.com and will also be providing their office with a copy of this letter.

In response to your questions about obtaining a copy of the recorded call and the call details:

• A copy of the recording can only be released if there is a court order obtained by mailing a request to: [redacted].

• During the call in September 2012, we advised that the orthodontia claim was just processed and still pending and that you should receive something soon. The CSR went on to explain how orthodontia payments are made and payment will come out soon, which is incorrect information. During this call, service had already been performed and coverage information was not discussed.

Please address any subsequent correspondence regarding this complaint to the following address:

[redacted]

We hope this clarifies your concerns in this matter and apologize for the issues you have experienced.

Review: Read below. [redacted], the sales rep. for Met Life insurance quoted me $416.26 a month for my auto and home insurance. At that time we were paying $488.00 per month with another insurance. So it was a good rate. [redacted], the agent with MetLife gave us a quote for auto for our whole family and home owners and rental insurance. We told her that this was a big move for us with a big policy, and we don't want to make the move, unless we know the monthly rate for sure was what she quoted and that it would not change after we signed up. [redacted] assured us that this was a solid quote and she had ran all of our names and numbers to come up with the quote, and that it would not change. So we agreed to make the change to MetLife. About 45 days later, my payment was taken out of my pay check like usual and my rate had gone up $338.32 more per month. So my rate is now $754,58 from $416.26. I am not happy with this situation, it is fraud and I need an explanation. The agent for MetLife [redacted]'s supervisor is [redacted] phone # ###-###-#### I have not had a response back from her. I have called her twice. Another person told me when I called , that I had been given a miss quote from [redacted] and she rewrote the policy a month later. After telling us that no changes would happen and she has ran everything through to be sure.Desired Settlement: I need a refund. The angent missed quote and rewrote the policy within 45 days.

Business

Response:

Thank you for giving us the opportunity to respond to your correspondence, dated July **, 2013, concerning the above referenced file and for allowing us to assist you. The matter has been forwarded to me for research and response.

Upon review of the Auto policy, which was effective as new business, May **, 2013, I discovered an error was made in interpreting a speeding violation entry on the Motor Vehicle Report for one of the drivers listed on Mr. [redacted]’s policy. This error caused the increase to the premium after the policy was issued. I reviewed the Home policy and there were no adverse changes made to that policy.

As a result of the error on the Auto policy, I will have that policy rewritten and correct the violation entry and reverse the increase. This reversal will not result in a refund, however, because there is still a balance due, even with the reduced premium. The balance will be adjusted with the applicable credits and the future deductions will include the credits and adjust accordingly. I see that Mr. [redacted] has since added a 6th vehicle to his policy and removed coverage from one of the original vehicles on his policy, those endorsements will be taken into consideration also when adjusting the balance.

I will be contacting Mr. [redacted] by phone to advise him of the correction on his policy and if he has any additional questions, I will further assist this customer.

Thank you, again Ms. [redacted] for the opportunity to clarify your concerns. If you have any additional questions, feel free to call me at ###-###-#### Ext [redacted], or for your convenience my e-mail address is [redacted].

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID[redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

From: [redacted]

Sent: Thursday, August 15, 2013 12:57 PM

To: Complaints

Subject: Re: You have a new message from the New York Revdex.com. Complaint # [redacted]

Thank you, for the fast reponds. Metlife refunded funds and corrected the error.

Review: On 8/** a MetLife policy holder backed into my car in a parking lot. I wasn't moving. I honked three times, she hit my car. MetLife accepted 100% of the fault. I received a check and the go ahead to bring my car to a shop. I was not given any requirements or stipulations.

An adjuster (Robin Nicholson) came out and made an estimate. The shop compared it to their estimate. The estimates had $522 difference. MetLife has refused to budge at all on the estimate even though many of the

charges are listed as "judgement calls". The shop, on the other hand, used PMC Logic to come up with the estimate. Robin was not helpful and just told us to take our car to another shop (which is not how things

work in Georgia. In the state of Georgia it is unlawful for an insurance company to require you to go to a specific shop).

We have now been talking to Robin's supervisor, Tim. We haven't been able to make much progress there either.

I am very frustrated because the policyholder backed into my car, and the cost of the repairs is no where near her policy threshold. The discrepancies are over 2 hours of labor and the cost of paint. I am not paying for your policyholder's mistakes. In addition, the shop I have chosen, has fairly and accurately prepared an estimate that is in line with industry standards. Yet, it is still being rejected.

I spoke to my insurance company. [redacted], one of the largest insurance companies, said that they endorse PMC Logic because it is fair and accurate for the

insurance company and the shop.Desired Settlement: I would like MetLife to cover the costs to repair my car at the shop of of my choice (as stated by Georgia Law).

Business

Response:

Complaint Response Provided

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I contacted MetLife Auto & Home for a free quote on auto insurance rate with discount offered through my company payroll deduction program. They ended up deducting from my husband's paycheck without his written authorization. They gave me a quote on my company's discount and my husband's company's discount. They asked permission to send quote in the mail without any obligation or cost as I had confirmed on a taped recorded conversation with [redacted], ###-###-#### on August **, 2014. On September **, 2014, a payroll deduction for MetLife was made on my husband's paycheck without proper authorization.Desired Settlement: To receive the refund check within 2-3 business days. I was told on Friday, September **, 2014 when I called, the refund check would be expedited in 2-3 business days since it was an amount we required to pay a bill. It was stated by [redacted] through customer service we would receive it within 2-3 business days. When I called today and spoke with a [redacted], he stated it would be September **, 2014.

Business

Response:

I have contacted this customer and this complaint has been resolved

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Got Metlife Dental Coverage 4/*/13, then got married to an [redacted] on May **,2013 in which I get covered under his policy for dental and medical. I called the company to cancel the Metlife Dental Coverage and they refused to do so and stated that I could not cancel until "open enrollement in November". I will have to pay them 96 monthly for an insurance that I will not be using.Desired Settlement: Cancel my Dental Policy effective Immediately.

Business

Response:

Dear [redacted],

We have received your email of June **, 2013, concerning [redacted]. Her concerns were reviewed and [redacted], our Third Party Administrator, contacted [redacted] today to confirm that she indeed could cancel her FEDVIP benefits as she will be going onto her husband's benefit plan.

Please address any subsequent correspondence regarding this matter to the following address:

[redacted]

We trust this clarifies our position in this matter and will enable you to close your file.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: Metlife has configured their system to track customers by social security number and require they provide a social security number for all pracitices where a Metlife claim is filed. In order for a business to file a claim electroniclally, they must provide a social security number for the patient. Metlife skirts around this legal issue by allowing for claims filed by fax/mail to use only a group ID number. This is a prohibitive burden on companies which use electronic documentation systems. As such, I cannot use my insurance unless willing to pay for the services myself and do the manual paperwork to be reimbursed OR provide my social security number. As a repeat victim of identify theft, the second is not an option for me.

Metlife has refused to allow me to use an alternative ID number or file claims based upon the group ID number, despite the fact that they can easily pull up my information on their system when I call with just a name and the group number.Desired Settlement: Metlife needs to revise their system to allow for electronic submission of claims based on only the necessary information, and not a social security number.

As this is a lengthy process, in the meantime, I would like to be issued an alternative ID number that I can use for electronic claim filing.

Business

Response:

September **, 2015

Review: I had worked for 18 years at ValueOptions, Inc, and its predecessors, before I retired in April 2014. Upon my retirement, I was entitled to convert my group life insurance policy into an individual policy. As the insurance carrier for my group life coverage, Metropolitan Life Insurance was taking care of the conversion. Everything seemed smoothy and normal at first. All my group life insurance coverage was guaranteed 100% eligible for conversion and portability, according to the company's conversion confirmation notice on April **, 2014.

The premium was set at $109.50 per month and I was to send the payment out before the due date. But then I received another notice on April **, 2014 saying that due to type II diabetes, that I had through my work at ValueOptions and I listed the related medicine in the application form at the time of conversion, they declined my preferred portable rate and the new premium increased to $481.25. This was a huge confusion from the inside of the company and I had to hold the premium and seek for a solution.

I argued with the company on the existing symptom during the coverage of the Group Life Insurance. All the years I had paid premium for my coverage and nobody mentioned anything about diabetes that only is to be a matter when I became an individual consumer, that's not fair. I was told to present medical information.

While I tried to get a reference letter from my primary physician, I received the policy cancellation notice on June **, 2014.

Even with the reference letter from my primary physician showing the long existing situation. They finally decided not to honor my contract, just recently.Desired Settlement: Honor and reintall my policy at the already proved premium and nullify the cancellation.

Business

Response:

This policy was reinstated and a letter of explanation was mailed to [redacted].

Please send any subsequent correspondence regarding this complaint to the following address:

Consumer

Response:

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

[Your Answer Here]I have waited to receive the said letters to the dead line.

The only mail from MetLife dated August **, 2014, the day before I made this complaint.

It reinstated the policy, with a one-time adjustment of $470 out of $2020.78 but no any explanation at all.

That falls into neither the original preferred rate, nor the late modified rate, and nothing mentioned about the reason of this adjustemen and will it reflect a new rate.

I am dissappointed.

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

Sincerely,

Business

Response:

A letter was mailed 10/**/2014, to explain that portability does allow the indicidual to continue their Group Life and Accidental Death and Dismemberment insurance under a separate cover at the MetLife Group rates not the former employer's group rate. Conversion allows the individual to convert their Group Life insurance to a individual policy. The MetLife group rates are included with the Portability Enrollment form. If the enrollee does not complete the medical questions or does not satisfy MetLife's underwriting requirements, portable coverage will still be issued based on non-preferred rates. A copy of the Portability Enrollment form was enclosed in the letter sent to [redacted].

Consumer

Response:

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

[Your Answer Here]The said letter tried to repeat the company's practice one more time, emphasized on their own processes. But the insurance is a regulated business, all practice should comply with US government policy in the field. I'd appreciate their explanation based on the HIPAA, that is,

Health Insurance Portability and Accountability Act, to see if their tangling with my preexisting situation is inline with laws.

As a consumer, I do not want to deal with the company in a legal term, I have constrained myself within the line of consumer complaint, but the company deliberately omitted their legal responsibility all through my discussion, either through or without a third party mediator.

I wish the next step from the company is more serious and touch the basics, tell why an at least 14-years situation should be their target for the conversion, is that a fraut or not.

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

Sincerely,

Review: I applied and was granted a hardship withdrawal from my annuity which is held by MetLIfe. (this is after initially metlife told me I could not, which was a ... non truth. I waited for the money to be transferred into my bank account for two weeks. I then called om May **, 2014 and they told me I need to send them a void check and the money would be transferred 2 days later. I had received no email or phone call requesting that. I did so but still, did not recieve my money or call or email. On 6/*/14, sent the fax again of the void check. Still nothing. I called and was told by the rep that she does not know why it has not been sent and that they did receive the voided check. She stated "Someone" will contact me today. I do not believe them. I have been unable to pay my bills, and have severly damaged my credit rating due to their blatent ... quite frankly, to put it politely, disregard of their professional responsibilities.Desired Settlement: I want my money that is legally mine. About 18,000 dollars. I want a letter of apology. and I want Revdex.com to take note of this complaint and others and not give this company an A rating. My amount is small potatoes to these people, I know. But I can only assume they are doing this to many others and that adds up to plenty of money.

Business

Response:

Called the client on 06/** @ 6:08pm EST and left a message. Called the client on 6/** @ 9:25am EST and left a message. I am mailing a letter out to the client.

Review: Complaint with homeowners insurance policy. Failure to provide requested information.

I have a policy with Met Life. I have received conflicting information regarding coverage. I have requested a copy of my policy 5-6 times in the past 2 months. I still have not received a copy.I was lied to and told it had been emailed to me...not true. I was then told it had been emailed to my husband..also not true. I was then told that policies are never emailed. I was told no less then 5-6 times that it had been mailed. I was never afforded the opportunity to file a claim. The claims rep was rude and dismissive.Desired Settlement: I want a copy of the homeowner's that I paid for.I am tired of being lied to and treated with disrespect.

Consumer

Response:

At this time, I have been contacted directly by MetLife, Inc. regarding complaint ID [redacted], however my complaint has NOT been resolved because:for aMet Life has failed to send me the the specifics of my homeowners policy that I requested. The language that was used to exclude coverage for a problem that occurred was not included in what they sent me. I received only a 2 page document that looked like an invoice. It took me 2 months to receive this after multiple promises that "it was in the mail, it was faxed. it was emailed". None of this was true. I am appalled at their inability to take care of a simple request. I pay for this policy. I own it. But I can't get a copy of it? Something very wrong here.Your Answer Here]

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

Sincerely,

Consumer

Response:

At this time, I have not been contacted by MetLife, Inc. regarding complaint ID [redacted].Sincerely,[redacted]

Review: For the last four years, I have had non-stop issues with Metlife [redacted] that required several phone calls. Since Nov of 2012, they were taking out monthly payments while I was serving on active duty; error on my part that I didn't catch it and they dutifully stopped withdrawing payment in Aug of 2013, unbeknownst to me. Over the course of those months, they refunded me twice (first in March 2013 and then again in June 2013) for over-payment, yet again I did not catch the error that I was still paying them and they made no effort to contact me to communicate that error.

This is where my current dilemma lays, my dental coverage ended Nov of 2013, no one told me. I went to the dentist in Dec and then again in March. My dentist verified that I had coverage and received payments for service offered. During this time, MetLife swears that they sent me bills letting me know they hadn't received payment since Nov; I never received a single bill. What I did receive was a letter the end of May letting me know that my dental coverage was ending unless I took action. I called MetLife to discuss what this meant because I swore I was still paying into my dental account (remember they cancelled the payments on my behalf in Aug without telling me). I was told that my six-month open coverage ended on May [redacted] for failure to pay for the last six months, which only gave me a very small window to correct the errors. I was promised by the gentleman on the other end that if there was an issue with my payments, he would call me back. I never heard back from him.

On July [redacted], I received two notices from MetLife that they were sending two bills to my dentist for over-payment. I immediately called MetLife; after going back and forth with them over the last 20 days, three broken promises to call me back, and getting absolutely no where I was told today the $600+ bill was now my responsibility. I will pay the bill because I am good person, but where my frustration lies is with the incompetent customer service I experienced with several people. Had someone communicated with me properly, this whole situation would have been avoided but because my service went six months with no payment activity (remember I never received a bill or a phone call, though they promise they sent the bills….just like they promised to call me back three times) I am now responsible for the bill.

Due to errors of the employees that work there, the member is being punished for it. When I brought this up to the [redacted], she told me that people make mistakes and there’s nothing they can do; mistakes that costs the member, not them. Had I EVER made a mistake in my military job, people would have died and I would have been held accountable. There is no accountability for this company and by the way I was treated I knew they did not care. I was promised phone calls back each time I talked to someone regarding this issue and never heard back. When I asked the [redacted] to go back through the notes of the previous conversations, there were no remarks about calling me back. Employees are lying and not doing what they tell the customer. I am a military officer, who upholds the core values of the Air Force everyday. To be told that I disregarded bills or overlooked paying them is ridiculous. I did not authorize them to stop taking funds out of my paychecks and yet they stopped, without notifying me. Now I am being held accountable when it should be MetLife.Desired Settlement: I am requesting MetLife allow me to pay for insurance coverage from Dec [redacted]-July [redacted] to avoid paying my dentist back the money they have already received from MetLife. Due to lack of communication and Metlife cancelling my automatic payment without my permission, I am being punished.

Consumer

Response:

The business contacted me directly this morning and we have resolved this issue in reference to complaint ID [redacted].

Sincerely,

Review: I left work for stress leave, I pay for MetLife services through work. I received income from the state for my disability, but still have yet to receive a dollar from MetLife, the case manager that was assigned to my case has only return my calls twice, and I'm stuck working with represenitives. The only reason I know what they wanted from my doctor to approve my case was cause of constant calls to MetLife. Finally in June of 2015 they said they received all the supporting documents from the doctor but had to give the info to there in house doctor. After spending close to 500 in documents from the doctor they said it would take no more then 45 days for a decision. Well it's been well over 45 days and today I called in again, and they said my case was denied due to insufficient evidence. This has been a nightmare and I'm getting the run around. If they needed more documents from the doctor they should have asked during the 45 days. This is not right.Desired Settlement: If they are not going to pay me my short term disability I want them to refund me all the money I spent asking for doctors notes and letters. The doctor charged me every time he had to sent documentation to MetLife. I don't see a reason why my claim was denied. The state disability had no problem approving my claim.

Business

Response:

The claim is currently under review.

Review: Due to Government shuts down last year my autopay was disconnected and I started to receive bills. I contacted MetLife on November **, 2013 regarding the issue to find out why I was receiving bills when I was suppose to be set up on auto pay. I was told that the auto pay disconnected when the government shut downs happen and a payment was due and I would be re-enrolled back into the auto pay plan. I made a payment of 95.88 and was told that it would satisfied the past due amount and I would be re-enrolled back into the auto pay plan. It never happened. My wife spoke to someone on April **, 2014 to inquire about the maximum allowance because we do not want to pay extra out of pocket and was never informed that a payment was due. My wife spoke to someone back in May to be told the policy was cancelled due to non payment and all dental work prior would be collected from the dentist and we would owe the dentist and also be denied any further coverage. My work spoke with "[redacted]" today July *, 2014 and was ask to provide the date and time of when I spoke to the representative about maximum allowances. She was told they would actually listen to calls but [redacted] just read the notes on what was said and not actually listen to a call. I believe the same thing happen for my call on November **, 2013. My wife ask do they typically let customers know their policy is in risk of cancellation when they call and was told yes. However, [redacted] explained because my wife only asked about maximum allowances for dental bills and not my actual bill it was not disclosed to me that a payment was due because "billing is on a different screen." I find it very frustrating up until the government shut down my payments have been taken out automatically with no problems. My wife and I have called on several occasions and was never informed our policy was in risk of being cancelled. I find it disturbing that we are told tapes will be reviewed and all they are doing is reading notes for the date of call. Also, I inquired on what was needed total to bring the account active and put back on autopay and was only told the past due amount and not the past due and current to be re-enrolled into auto pay. Because of not being told the right information and also my wife not being inform this year when she inquired about maximum allowances our policy is cancelled and we are locked out for coverage for a year.Desired Settlement: I would like for them to allow us to pay the total amount since it was not disclosed and retro active our policy back to active and let us pay all premiums owe total and en-roll back into auto pay. It was not negliegence on our end we have always had auto pay with no problem then the government shut downs happen and everything is thrown off course. We had plenty of opportunities to rectify the situation but because no one was letting us know the total amount due or let us know we were in risk of a cancel policy we are denied.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

I do not recommend MetLife for annuities. Whatever you do, don't choose them.
My account was set up with BOTH before tax money and after tax (Roth) in the same account. What a nightmare getting the required minimum distributions after I retired (last year). I'm getting this rolled over ASAP. Very poor servicing by their salespeople. They're good at selling though! It took me 22 days to get a response from my sales rep. when I needed service. I faxed, mailed [redacted], phoned, left some messages, on one number there was no way to leave a message etc.

Review: I had been a loyal customer to Metlife and had honored my Term Life Insurance Policy with them for the last 10 years. All payments were made through automated debit from the bank, thus was always paid on time. There are changes happening in my life and I was reassessing my family's and my own financial condition. With that in mind I decided to switch services to another company [redacted]. My wife and I had two polices, one we were able to cancel without a problem. The other policy had a cash value and based upon what myself and my family needed at the moment, we wanted to take this policy's cash value and transfer it into one of the products to [redacted].

Case in point I've been calling at asking if there is anything I can do to help with the process. They are taking their time to work with [redacted] and cut the check to transfer the amount. This has been going on for almost 2 months now. It is completely unacceptable and I question their methods of cash disbursement. If I were to have died within those 10 years of paying the Term Insurance would my family have to wait 1 year to receive the death benefits? Regardless ,it is completely unacceptable and I'm not sure how else to resolve this but file a complaint with Revdex.com.

I just want what is belonging to me paid out with a check so that I may transfer it to my new financial instrument with [redacted].Desired Settlement: Cut the check already to [redacted] to allow the transfer of funds for the cash value. It has been 2 months of calling and waiting. I've already paid on time each and every time for the last 10 years (120 payments), why can't Met Life do their diligence and cut the check already.

Business

Response:

Thank you for your inquiry. A response was sent directly to the client on 10/**/2013.

Review: I am writing because I currently enrolled to the metlife dental plan. I am an unsatisfied customer after only having the plan for one month. To simply to put it the plans coverage information that states what a patient will pay in the event of a claim is very unclear and I have contacted customer service about 3 times so far and have gotten the same response and to sum it up they all said that in order to get actual numbers as to what would be paid a claim HAS TO BE FILED and that also if the dental office looks further and does more research they would find different information. This plan is very confusing and very misleading. My plan clearly states a composite filling will be covered 1 in 24 months 70% that to me is plan English and I should be responsible for 30% which I am ok with because thats what it states. But this is not the case but according the the customer service rep this does not pertain to molar teeth. This is not stated on this information provided to the dental office. But once it comes to fluoride its very specific by age of 14 on molar teeth etc. WHY CANT THIS PLAN BE STRAIGHT FORWARD AND IN PLAIN ENGLISH AND EASY TO UNDERSTAND. The reason for my complaint is because I am a new member to your company and I have already gotten the screw you welcome. If this is the way business is run your company will have a bad reputation. This is a dental plan and should not be complicated. I am now being billed additional fees by the dental office corporate office due to the misleading and non straight forward mess this situation has created. This is 2014 we all have access to the internet and if I log into my account find composite fillings and it clearly states its covered for 70% then thats what it should be I should not have to go around looking for more information than what is clearly posted on there. This situation has caused me a great frustration in my life and I am very unsatisfied with the outcome of this decision to finally pick up dental insurance. I am very discouraged from ever buying a dental plan and will advise all my social network and all that I come across me what they should not do according to their dental plan choices. I cannot believe this plan has wasted numerous hours of my life instead of being honest with its customers. I have gone online and have read the countless complaints and now see why they are dissatisfied. I want something to be done. This is very unfair and should not be done to anyone else I will be filing a complaint with the Revdex.com as well. Thank YouDesired Settlement: DesiredSettlementID: Refund

I want the right information to appear online in my benefits page without the running around and hassle. It should be made simple and straight forward. I was told services would be covered and they are not and am requesting for the estimates to be honored

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I had filled met life forms on May * and had supplied signature guarantee by my bank and also signature of my program administrator and since I did not hear from them I called them about two weeks later and explained to them that the fixed account on that day was $13115.47 and they argued that it is more than that and I explained that the account changes everyday due to accrual of interest and they said that they would do it that day. then I wrote them two email and one of the email I am copying and enclosing which I wrote on may 30,2014 followed by another one on June *., 2014. They said that they would reply me within one or two business days. They did not respond and were notified that I would complain to Revdex.com and the [redacted]. THey do not care.

Here is the email of May **,2014:

REF.: # [redacted] Fri, May **, 2014 10:12 am

I WAS given the above # as reference and was told that within a day or two you would reply to me. three days have passed! What happened? why am I being given the run around for my own money? why? Previous to my email inquiry I had called you ten days ago and explained that I just want my fixed account

money to be transferred to my IRA Rollover and you asked me a few questions regarding which I explained to you. The amount changes everyday due to the interest being added!!

My spouse is very angry and is going to write to the [redacted] and the Revdex.com!! He also wants to write to some newspapers. I am sure you

do not want the publicity?? I have put my husband on hold and if I do not hear from you by this friday than my spouse will contact the above!!

dated: 6-*-14

Very dissatisfied customer,

After I sent the response I got the following message:

THANK YOU!

We have received your request. And got another Reference #:Contact Annuity ([redacted]) Wed, Jun *, 2014 2:26 pm

1.

you for contacting MetLife Online Support. We have received your

inquiry, which will be personally reviewed by one of our consultants.

2. Our normal response time is within 1-2 business days

I have both the email confirmation of two wmail which I sent on their website and they cannot deny because they gave me the reference #.

Please help.

THanks so much

Sincerely

[redacted]Desired Settlement: transfer my fixed account only to the TDAmeritrade ROllover Account as mentioned in the application done on met life form supplied by you on May *,2014

Business

Response:

Contact has been made with the client.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

THanks so much. do to your efforts they finally responded. KIndly see my attachment above.

Review: I had a term life insurance policy with METLIFE that was to expire on 2/*/14. The premium of $34.79 was set up on auto withdrawal from my bank, Wells Fargo. In Dec. 2013 I received a letter from METLIFE stating that the policy would soon expire and if I wanted to keep the policy I would need to notify them. The premium would be $520.11 per month. I immediately wrote a letter to METLIFE stating I wanted to cancel the policy and stop the auto withdrawal immediately. On 12/**/13 I received a letter stating they had received my request and that the policy had been terminated and no more withdrawals would be made. On 1/*/14 a withdrawal was made for $34.79 and another on 2/*/14 for $520.11. I called my METLIFE rep and she said she would handle it. I also called my bank and filed a complaint. On 2/**/14 the money was returned to my acct by METLIFE. Today I received a bill from METLIFE for $1040.22 for 2 payments for a policy I never signed for. I will not pay this but I don't want this to go on my credit report. I have excellent credit.Desired Settlement: I would like for METLIFE to stop sending me bills for a policy I never signed for and that they have acknowledged in writing that I don't have and if this has been reported to a credit agency I want it fixed.

Business

Response:

Thank you for your inquiry. A response was sent directly to the client on 02/**/2014.

Review: I had an accident and I pay for a full coverage on my car every month. After the accident my car, when I pick it up from the bodyshop, was having electrical issues that never had before the accident. I called Metlife to let them know my car was having these issues and instead of sending a claim adjuster, they told me that they want me to take it to a dealership for a study. I did so and the insurance adjuster never got in contact with the dealership. When I called back, they said I should pay for the repair and they will go ahead and see if they can reimburse me, but they are not giving me a garantee. Now, I don't have a car and I can't afford to pay for all the damages. Metlife seems not to care about the issue and comes out with excuses trying to imply that the electrical problems are not related to the accident. I would like to get this matter resolve because I pay this company for full coverage every month and now that I need the coverage they are evading the issue.Desired Settlement: That my vehicle gets repair without me having to put the money since I pat them for full coverage every single month.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.The business has resolved my dispute and no further action is needed. I am not sure if it was this or a complaint I put on their face book but which ever one it is resolved. Thanks for your help.

Sincerely,

Review: I've been having ongoing issues with my neck (cervical disc displacement and bone spurs). I have been trying to get short term disability approved through metlife for over a month now.

When I first submitted the claim, I filled out all the paperwork they said I needed, and called a week before I went on disability to ask if they had everything they needed, and they said yes.

Three weeks later, after multiple contact attempts, phone calls, and emails, I finally get a call saying they didn't get any of the information they needed to approve the claim.

I called and got someone else, and they said that they actually HAD the documentation, just that it was missing the second page because the first page was two-sided, and my doctor didn't scan both sides.

THEN the same day, I got a call from my case worker's manager saying they had the full document. Why if they had it all along did they wait 2 weeks to tell me about it, and waste 3 days saying that they didn't have it? I had to go to my doctor's office to get the information, and upload it to the website myself, which cost me $25 for a thumb drive because they couldn't give me an electronic copy.

After that, two days later, I get a call saying that the information wasn't sufficient, and that I needed all of my medical records from that doctor. So I went and got everything, and uploaded it to the website again.

Another two days, and I find out that they again said it wasn't enough information, and that I'd need documentation from all three doctors involved.

Another two days, and they said that the information my primary physician should be enough for the disability to be approved, and that they'd send it over.

Another two days, and I find out that they DID need more information from my physical therapist, which isn't what they told me before, but my physical therapist had already sent them the information. So the next day, I went to my physical therapist and got a digital copy of what they sent metlife.

Today I was told that they never received the information even though I had submitted it to their website LAST NIGHT. We spent quite a lot of time on the phone, and today was the first day I actually got a direct line and email from the case worker. The case worker said she would take the information I provided, and give me a call back today, which never happened. I sent her an email, left a voicemail, tried to call their customer service, and it seems that they're having issues with their phone system which is incredibly convenient for them at almost 5pm EST (When they get off work).

I'm absolutely sick of dealing with this, I'm going to be late on my mortgage, among other bills, and I'm getting no help from anyone at metlife. They have all the documentation they said they needed at this point, and I'm the one that is suffering because of this. They waited 2 weeks to tell me they didn't have the information they needed, which is NOT my fault.Desired Settlement: I would like for metlife to finish approving the claim immediately so I don't have to rack up damages (late/other fees) for not paying my bills on time.

I should have to stock up on food for natural disasters, not because I don't know when I'm going to get to go shopping next because my insurance company can't get it together in a timely manner. I'm supposed to be resting and recovering, and this issue is keeping me from doing that.

Business

Response:

Detailed letter mailed to [redacted] today via [redacted]