Nighthawks

This is in response to your electronic communication to AIG Direct, which was referred to American General Life Insurance Company for review and response Mr [redacted] indicates that the Company's letter dated March 26, does not resolve his oomphtintHe also indicates that he is willing to forward his email example to your office and that you may forward the email to our Company Please note that the Company or AIG Direct does not have any record of receiving examples of the electronic correspondence from Mr [redacted] or your officeOnce the Company has received the electronic correspondence from Mr***, we will be able to do further research lfyou have any questions, please contact me at 1-800-528-2011, extension ***, or by fax at 217-541- Sincerely, [redacted] Consumer Affairs Analyst

VIA FACSIMILE ([redacted] December 8, [redacted] San Diego Revdex.com Re: [redacted] [redacted] Consumer Complaint Number- [redacted] Dear Ms***: This is in response to your correspondence received In theConsumer Affairs Department on November 20, 2014.Mr [redacted] alleges that he received many calls to his cellulartelephone from the American International GroupMr [redacted] further alleges he advised the representative that It was the wrongnumber for the Individual the representative was calling for andasked the representative to place him on the Do Not Call list;however he received another call a few hours laterA properly detailed response to the consumer's concern wouldinclude specific policy related data and personally identifiableinformationDue to privacy concerns, the Company will notprovide the "Nonpublic Personal Information" to your officeAssuch, we are responding directly to, Anderson [redacted] with specific detailsand an explanation addressing his concernsThe Compeny appreciates the opportunity to provide thisresponseIf I can be of further assistance, please let me knowSincerely, [redacted] Consumer Affairs Analyst Mail Code ***

Final response Dear Ms***: We acknowledge receipt of your November 3, electroniccorrespondence to the Company which was referred to the ConsumerAffairs Department on November 6, Mr [redacted] explains he purchased a Prudential policy through an AIGDirect agentHe also explains AIG Direct informed him that personalinformation was inadvertently emailed to an unauthorized third party.He alleges he has incurred additional cost to ensure his identity isprotected and is requesting a settlement for the face amount of hisPrudential policy due to the incidentPlease understand that the Company previously addressed Mr [redacted] ’sconcerns with our letter dated July 28, Due to Privacy Laws andRegulations the Company will not provide this “Nonpublic Personalinformation” to your officeThe Revdex.com did not provideany new or additional information for the Company to consider at thistimeIf I can be of further assistance, please contact me at [redacted] ,extension [redacted] by fax [redacted] or at the address provided aboveSincerely, [redacted]

This responds to your correspondence dated December 24, 2014, whichwas received in the Consumer Affairs Department on December 26,In his complaint to your agency Mr [redacted] states in part "I would like AIGDirect to stop their advertising and bait and switch tactics ..."The Company's response to Mr***'s concerns would include specificpolicy related data and personally identifiable informationDue toPrivacy Laws and Regulations, the Company will not provide this"Nonpublic Personal Information" to your officeAs such, we areresponding directly to [redacted] with specific details and explanationaddressing his concernsI appreciate the opportunity to provide this responseIf J can be offurther assistance, please contact me at 615· 49·

My husband took out a life insurance claim throughout NYSUT while employed by SUNY college After he retired he still paid out on his claim My husband died and I the designee was then redirected to Mercer Consumer Meredith Drive in Urbandale IA They asked for and received an original copy of my husband's death certificate together with the corresponding forms filled out at the direction of one of their employees They received this information because I have the proof of an overnight delivery I never got any verification in writing or by email that this was successful only that it would take some time to process this information Once this was accomplished, I was told by the representative that it would be sent to Us Life AIG I never received any verification other than verbal that it would be sent to AIG I was left with no paper trail of the information being sent no corresponding numbers and told that it would all be accomplished with his social security # I had to beg for the proper certificate number at MERCER They also spelled my name wrong on the original and only paper work which was on the form I had to fill out (though I corrected in in the paper work) When I asked for verification that it was in the hands of AIG I was told that they would not provide me with any such document I was told to just sit tight and waitFirst I was told it would be deposited in some bank account of their choosing and that I could then withdraw it Then they told me that I would just have to wait until AIG contacted me I was told it could take a week or 2, then I was told it could take a month or two, then I was told it cold take up to months to process I had to beg for a phone number for AIG TO find out what happened to my husbands death certificate and the paper work MERCER sent out Mercer said they do not provide any assurance that the paper work was sent out or on what date and that I would just have to wait and keep calling AIG They also said that "even though it was going to "THEIR processing department that it was a SEPARATE company and that they would no longer be available to help me I'd just have to wait When I asked how I ever know what bank they deposited my money in they again said that it was a separate business and that I'd just have to find out about it myself I have know way of knowing if it was lost or ever got to AIG if there was not some sort of corresponding number that I could refer toNO! when I asked why they did not provide some paper tail they said they were sorry but that's just the way things were and too bad I will never know what happened to my insurance policy because MERCER PUT UP a fire wall It washes itself of all responsibility and there is know way to follow up on this except to keep calling AIG AIG CLAIMS TO HAVE no knowledge of receipt of paper work from MERCER EVEN though it is clear that this is the 3rd party that NYSUT used to process claims I am at my wits end And there is no hope or follow through Mercer though having received a FED EX overnighted package from me ( so it is verified) is unwilling to help me in any way to discover what happened to my husband's information or death certificate Who do you call for help? And this is the bill of goods that NYSUT sold my husband

August 21, Revdex.com of San Diego ATTN: [redacted] Viewridge Ave Suite San Diego, CA Consumer Case Number: [redacted] Consumer: [redacted] Dear Ms***: This letter Is In response to your August 15, e-mail correspondence received In the Consumer Affairs Department on August 18, regarding Mr [redacted] ' previous concerns pertaining to the numerous unsolicited e-mails he received from AIG Direct/Matrix Direct Enclosed are copies of the letters dated July 29, and August 13, the Company sent to Mr [redacted] addressing his concerns If you have any additional questions, I can be reached at 1/800-528- 2011, extension [redacted] or by fax at 1/217-541- Sincerely, Ms [redacted] , ACS Consumer Affairs Analyst Enclosures Cc: AIG Direct/Matrix Direct

I would like to warn everyone that this is horrible insuranceMy insurance lapsed on April 8,(which I wanted)I called the first week of April to make sure it would cancel and that nothing would be taking out of my account and was assured it would cancel and nothing would be taken out of my accountAfter doing what I was supposed to do, they still took the amount out of my accuntI have fought for two weeks now to get my money returned to my account to no avail They sure didn't have a problem taking the premium out, but I can not get it refundedThey are just making it so difficult I would never recommend this company

My husband and I have been customers for yearsWe have term life insurance with themI have always paid my premiums every month never lateWell today I received a letter from them saying that our insurance had lapsedI call them and the 1st lady I talked with kept telling me that I skipped payments and the whole time I was looking at my checking account and they had cashed the checksI told her this and she wanted me to mail them my bank statementsI told her no way that I need to talk to someone higher up than her, so after being on hold for several minutes I talked to another lady which preceded to tell me the same thingBut after I was very persistent she decided to look at it closerWhat had happen was my policy had reach its anniversary date and the premiums had increase by and they were holding the check until I paid itBut the paper that they sent to me saying it had lapsed wanted me to pay on each policyIt was a total messShe did say it was their fault bc the statement they sent me didn't have the increase on itBut she wasn't very apologetic about itSo I guess after all of these years I will be shopping for life insuranceThey need to teach their employees how to comucate and how to figure things outI was on the phone for almost an hourI would never recommend AIGLook somewhere else

October 7,
*** K***
PO Box ***
***, AK ***
RE: AIG Direct
Dear Mr***:
This is in response to correspondence received from the Boner Business Bureau of San
Diego regarding a complaint that you
filed
You state that AIG Direct is using a spam website to redirect customers to their website
You are requesting that AIG Direct remove your Information from their spam listing
As part of the Investigation, AIG Direct was contacted for additional InformationA
representative for AIG Direct Indicated that you.r information does not appear In their
database; therefore, at this time, we are unable to definitively conclude the source of your
email Included In the email advertisements is from AIG DirectAs a precaution, the email
address you provided of b*.net has been added to the internal "Do Not
Contact'" listThis will remove your email from any future marketing initiatives by AIG
Direct or other AIG Companies
In order to confirm the origin of the email, the Company can review the actual email to
determine the senderPlease provide a copy of the emails you received to us, In order for the
Company to review this matter furtherYou may forward a copy of the emails to [email protected]
The privacy concerns and contact preferences of our customers remain our utmost priority
We apologize for any inconvenience this matter may have caused
If you have any questions, please contact me at l-800-528-2011, extension ***, or by fax
at 217-541-
Sincerely,
*** ***
Consumer Affairs Analyst

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
AIG still will not provide for the public record what actions they have takenThe letters they provided will not be part of the online Revdex.com public recordHave they taken action to take my email address off their spam mail? They need to state that for the public recordThey don't need to disclose my email address or other information.
Regards,
*** ***

VIA FACSIMILE (***February 10,2015Revdex.com of San DiegoAttn: *** ***Viewridge AveSuite 200San Diego, CA 92123Re: San Diego Revdex.com Case Number ***Complainant: ***
***Dear *** ***We acknowledge receipt of your January 27, electronic communicationto the Company, whtch was referred to the Consumer AffairsDepartment that same day for review and response.In her correspondence to you Ms*** requested the Companycease any email solicitation to personal email and requested for themarketing firm to be sanctioned.The Company's response to her concerns would include specificpersonally identifiable informationDue to Privacy Laws andRegulations, the Company will not provide this "Nonpublic PersonalInformation" to your officeAs such, we are responding directly to *** with specific: detail and explanation addressing her concernsIf I can be of further assistance, please contact me at (800)929-6252,extension #### by fax 615-749-or at the address provided belowSincerely,*** ***Consumer Affairs Analyst

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Company responds "As stated In our July 29, letter, a proper detailed response to his concerns would Include specific policy related data and personally Identifiable Information. " Why would I have a policy with this company????????? That is why I reported the high pressure sales tactics via spam? Why would I provide the company that is spamming me with more information? All the information that is required was provided to the Revdex.com in the complaint including my email addressThey can not fall back on the Privacy Act as far as responses to the Revdex.com as it does not apply in this complaintI do NOT have an AIG accountThey would like me to have an AIG account but based on their high pressure tactics via spamming and their evasiveness in providing a public response to the Revdex.com I would never ever have an AIG account!
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Business has NOT contacted me directly to resolve thisI do NOT have any account information for them as I do not have insurance with them nor have I ever done any business with themThey have been soliciting me relentlesslyThey need to take ***@aol.com off their spam listThey quote "Privacy Laws and Regulations" as a lame excuse for why they will not provide their response to the Revdex.com which does not apply in this case since I do not have an account with them nor did I ever have an account with themThe Revdex.com had to send two requests to this business to get them to cease and desist the email harassment
If business still fails to cooperate and continues to lie to us and the Revdex.com I will have no other choice but to get the Federal Trade Commission involvedAnd my name is *** *** not *** ***They need to get their facts straight.
Regards,
*** ***

July 29,
Revdex.com of San Diego
ATTN: *** ***
Vlewridge Ave Suite
San Diego, CA
Consumer Case Number: ***
Consumer: *** ***
Dear Ms***:
We acknowledge
receipt of your July 10, electronic communication for review and response
Mr*** states that he has received numerous unsolicited e-mails from AIG Direct/Matrix Direct
A proper detailed response to his concerns would include specific policy related data and personal identifiable informationDue to Privacy Laws and Regulations, the company will not provide this " Nonpublic Personal Information" to your office.
As such, we are responding directly to Mr*** *** with specific details and explanation addressing his concerns.
If you have any questions, please contact me at 1-800-528-2011, extension ***
Sincerely,
Ms*** ** ***, ACS
Consumer Affairs Analyst

Dear Ms***:
This letter will acknowledge receipt of the Bureau's October 23, correspondence,
In *** ***'s correspondence to you, he expresses concern regarding cash surrendering his policy with the CompanyA proper detailed response to Mr
***'s concerns would include specific policy related data and personally identifiable informationDue to Privacy Laws and Regulations, the Company will not provide this "Nonpublic Personal Information" to your officeAs such, we are responding directly to Mr*** with specific details and explanation addressing his concerns.If I can be of further assistance, please feel free to contact me at the address shown, by telephone at ***, extension *** or by fax at ***Sincerely,
*** ***

Complainant: [redacted]
Dear Ms[redacted]:
This is in response to your letter e-mail sent to the Company om September 17, 2015, The purpose of this correspondence is to address the concerns of [redacted].
Mr[redacted] has explained that he continues to receive unwanted e-mails from the CompanyMs[redacted], Company records indicate that Mr[redacted]'s e-mail address has previously been added to the"Do Not Contact" listAs such, the Company is unsure what Mr[redacted] may be receiving,
Please understand that the Company is willing for further review the concerns of Mr[redacted]However, we will need a copy of the e-mails to determine where they are originatingOnce the Company receives this information, we will continue our reviewIf you or Mr[redacted] should have any additional questions, please feel free to contact me at ###-###-#### extension, [redacted]Sincerely,
[redacted]
AIG Consumer Insurance
American General Life Insurance

My husband took out a life insurance claim throughout NYSUT while employed by SUNY college. After he retired he still paid out on his claim. My husband died and I the designee was then redirected to Mercer Consumer 12421 Meredith Drive in Urbandale IA.
They asked for and received an original copy of my husband's death certificate together with the corresponding forms filled out at the direction of one of their employees. They received this information because I have the proof of an overnight delivery.
I never got any verification in writing or by email that this was successful only that it would take some time to process this information. Once this was accomplished, I was told by the representative that it would be sent to Us Life AIG. I never received any verification other than verbal that it would be sent to AIG. I was left with no paper trail of the information being sent no corresponding numbers and told that it would all be accomplished with his social security # . I had to beg for the proper certificate number at MERCER. They also spelled my name wrong on the original and only paper work which was on the form I had to fill out (though I corrected in in the paper work). When I asked for verification that it was in the hands of AIG I was told that they would not provide me with any such document. I was told to just sit tight and wait. First I was told it would be deposited in some bank account of their choosing and that I could then withdraw it. Then they told me that I would just have to wait until AIG contacted me. I was told it could take a week or 2, then I was told it could take a month or two, then I was told it cold take up to 6 months to process. I had to beg for a phone number for AIG TO find out what happened to my husbands death certificate and the paper work MERCER sent out. Mercer said they do not provide any assurance that the paper work was sent out or on what date and that I would just have to wait and keep calling AIG. They also said that "even though it was going to "THEIR processing department that it was a SEPARATE company and that they would no longer be available to help me. I'd just have to wait. When I asked how I ever know what bank they deposited my money in they again said that it was a separate business and that I'd just have to find out about it myself. I have know way of knowing if it was lost or ever got to AIG if there was not some sort of corresponding number that I could refer to. NO! when I asked why they did not provide some paper tail they said they were sorry but that's just the way things were and too bad. I will never know what happened to my insurance policy because MERCER PUT UP a fire wall. It washes itself of all responsibility and there is know way to follow up on this except to keep calling AIG. AIG CLAIMS TO HAVE no knowledge of receipt of paper work from MERCER. EVEN though it is clear that this is the 3rd party that NYSUT used to process claims. I am at my wits end. And there is no hope or follow through. Mercer though having received a FED EX overnighted package from me ( so it is verified) is unwilling to help me in any way to discover what happened to my husband's information or death certificate. Who do you call for help? And this is the bill of goods that NYSUT sold my husband.

Final response
Dear Ms. [redacted]:
We acknowledge receipt of your November 3, 2015 electroniccorrespondence to the Company which was referred to the ConsumerAffairs Department on November 6, 2015.
Mr. [redacted] explains he purchased a Prudential policy through an...

AIGDirect agent. He also explains AIG Direct informed him that personalinformation was inadvertently emailed to an unauthorized third party.He alleges he has incurred additional cost to ensure his identity isprotected and is requesting a settlement for the face amount of hisPrudential policy due to the incidentPlease understand that the Company previously addressed Mr. [redacted]’sconcerns with our letter dated July 28, 2015. Due to Privacy Laws andRegulations the Company will not provide this “Nonpublic Personalinformation” to your office. The Revdex.com did not provideany new or additional information for the Company to consider at thistime.
If I can be of further assistance, please contact me at [redacted],extension [redacted] by fax [redacted] or at the address provided above.
Sincerely,
[redacted]

1/7/2016 yesterday I spoke with [redacted] a customer representative for AIG Direct insurance Services Inc. at 1-800-575-8026. I was having some issues with another company and Mr. [redacted] was very inclined and more than willing to help me. He set me up with a medical exam all was well his statement to me was to attempt to get qualified for the largest amount possible. 500,000 dollars which would have been great if the price was right..So that evening, I was digging through paperwork and found another policy I had so out of courtesy to Mr, [redacted] I decided to give a him a call since he was so nice and helpful to me in the beginning. as I told Mr.[redacted] that I would no longer need his services he ask me how much my existing policy was for and I told him 100,000 his remarks to me were, then why were you trying to get 500,000? then he proceeded to tell me I HOPE NOTHING HAPPENS TO YOUR FAMILY. Everything was great and wonderful until it no longer involved him. I thought it was very rude and unprofessional, if I need anyting in the future it will surely not be with this company.

We acknowledge receipt of your Sune 2, 2014 electronic communication to AIO
Direct, which was referred to American General Life Insurance Company for review
and response.
Mr. [redacted] provided a copy of the emails that he was receiving from AIG Direct.
The Company conducted an investigation to get the opt in to the vendor's
distribution.
A proper detailed response to his concerns would include personally identifiable
information. Due to Privacy Laws and Regulations, the Company will not provide
this "Nonpublic Personal Infonnation" to your office. As such, we are responding
directly to Mr. [redacted] with specific details and an explanation addressing his
concerns.
If you have any questions, please contact me at 1·800-528-20 11 , extension [redacted],
or by fax at 217-541-7900.
Sincerely,
[redacted]
Consumer Affairs Analyst