SureBridge

We were written a Chesapeake UHC policy even though we told our agent we did not want it. We have tried several times to cancel it with no success and they keep charging our credit card each month.

I would give them 0 stars if that was an option! No customer service, only automated answers for options not relating to submitted claims. Just called the # above tel://+1 (315) 343-1655 to try to reach someone and the person who answered said it was a Floral Shop! Submitted one claim for a cleaning back in November, still no response! The claim was for $205 and I would like to get my money.

First of all, their dental insurance does not cover much beyond cleanings etc. 2ndly, my dentist does not accept that insurance. 'Not sure why I signed up with them. I evidently did not check out the ratings that Surebridge has been getting. If I had, I would never have considered them. And then there's the matter of being able to get a hold of them to cancel the policy. With only a 1/2 hr lunch break, I simply don't have the time to stay on the phone for 20 minutes, or more. So it has delayed my cancelling my more than a month now. It is an understatement to say I am extremely disillusioned!

I have been trying to contact and speak with someone on the phone for over one month. However it has been impossible, after one or two hours I have to hang up the phone due to the music is horrible and I don't have 1 or two hours to waste. Also, when I was able to speak with customer service several people said they could not help me because they did not have access to my account, therefore how can you call customer service if they cannot access my account. ?The worse people

I contacted your business to cancel my policy the person I talked to went by the name of [redacted] (there is no E-mail,after hour voicemail you have to call during 8:AM and 5:PM and stay on hold for extended amount of time) A week to two weeks later I get a letter saying that they have changed my billing frequency and did not cancel my policy What went wrong???

I contacted the company on 06/15/via email and told [redacted] I still hadn't received my refund.She responded and said I should've received it by nowShe later emailed me again on 06/16/and told me when she checked w/ member services the check had NOT been cutI replied asking to have my refund sent overnight because I have been anticipating my money coming back by nowat the end of the business day today (Thursday June 16, 2016) no response about my requstThis is exactly my point how a company can mishandle a customer and then drag the issue outI have been working on my refund since February of this year! This is ridiculous and customers should not be dealt with in this manner

This company will never pay your claim. Google them they were fined from insurance commissioner for bad insurance practices. Sued for million, they are known not to pay claims

But I want to confirm that I directly and literally asked this company's agent not to submit any application for any supplemental plan, but for Covered California only,and regardless my precautionary measures telling this agent not to apply for such benefits but to send information for me to review, he willinglychose to submit such application I never requested nor authorized, showing how his behavior not only pushes and misleads people, but engage in illegal actions gathering credit card information, social security numbers and other confidential information fooling people stating that he does need such information in order to apply toCovered California, when in fact he does to get more people into the supplemental plans he represents.For this company to state that they have no control whatsoever about what their agents do should never mean that agents and companies would not hold full accountabilityfor their actions, since they involve people's sensible confidential information and financial obligationsNow I have learned from this shocking experience, to never trust companies/agents conducting business the way they have towards me.Here I attached one of the messages exchanged with this company's agentI have full record of messages exchanged to proof this company's fraudulent actions, and they are available for your review if you want them[redacted] , I literally asked you to send the information about this supplemental plan for me to review and compare with the offers I got from companies associated with my accounts with Citibank and credit union I received messages stating you applied and application was already approved for such policy, and I did not agreed with that at all, but exclusively with the Covered CA plan, and as already discussed, pending review of my options, for me to decide if I wanted or not this supplemental plan you offer Please fix this situation ASAP since I did not agree nor authorized such application, but agreed to receive necessary information to evaluate only

We are so sorry about the passing of Mrs [redacted] 's father in law and for the trouble her family is having with cancelling his insurance policyIf we could please obtain more information, we would be happy to review this matter furtherIf she could please provide us with her father in law's name and last addressAdditionally, can she please clarify, was his life insurance coverage through Chesapeake?Thank you! [redacted]

Complaint: [redacted] I am rejecting this response because: NC Deptof Insurance has been notified and is handling same Regards, [redacted]

We are writing in response to your March 11, inquiry regarding [redacted] We received an electronic application on behalf of Mr [redacted] for the above referenced policies on November 7, Mr [redacted] requested an effective date of November 15, The policies mailed to Mr [redacted] included a Welcome Letter (copy enclosed) dated November 7, which informed him that the total premium for all policies was $a month and would be drafted monthly on the 15th of each monthThe letter also provided contact information for our office In December 2015, we received notification of Mr [redacted] ’s new mailing address from the U.SPostal Service We received written confirmation of the address change from Mr [redacted] on December 18, We have no record of Mr [redacted] contacting our office on December 14, 2015, February 6, 2016, or February 13, It is company policy to provide a confirmation number for cancellation requests received via telephoneAdditionally, written confirmation of the cancellation is provided following a telephone request for cancellationIf Mr [redacted] has a confirmation number or the name of the individual he spoke to on each date we will be happy to research this matter further Our records show that Mr [redacted] made contact through our website on January 7, 2016, January 13, 2016, and February 2, 2016; however, none of these contacts requested cancellation of the above policiesFor your convenience, copies of the requests received from Mr [redacted] and our responses are enclosed We received a written cancellation request from Mr [redacted] on February 22, At that time, we had already drafted his bank account On February 23, 2016, we acknowledged his cancellation and advised the policies would be canceled as of February 16, A one-month refund was issued March 15, Our office has no record of deducting $a month from Mr [redacted] ’s accountMr [redacted] will need to contact the company indicated on his bank statement regarding the $ monthly draft We trust this answers any questions you may haveIf we can be of further assistance please don’t hesitate to contact me at ###-###-####, ext***, or at [email protected]

The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your July 25, correspondence regarding the above referenced fileThank you for the opportunity to assist in this matterOur records indicate Ms [redacted] applied for an individual supplemental Accident Companion (Accidental Injury Only Insurance Policy), Vision Insurance Policy (Premiere Vision Plan) and Dental Insurance Policy (PPO Dental Plan - Premiere) with Chesapeake on May 2, The policies became effective on July 1, The total monthly premium for all of these policies is $According to our records Ms [redacted] contacted our office on May 17, and indicated that we had taken an unauthorized draft from her bank accountOur customer service representative (CSR) explained the reason for the $draft was to pay for the initial premium payment for her newly issued supplemental insurance she applied for with ChesapeakeMs [redacted] stated she doesn't want this insurance to start because she has other coverage and thought that she could just call us when she needed for this insurance to beginThe CSR advised Ms [redacted] that we could refund the $draft and move her effective date forwardMs [redacted] changed her start date to July 1, We do not have any record Of Ms [redacted] requesting to cancel the insurance, only to move her start date forwardWe will cancel the insurance as she has requested and refund all of the premiums she has paidThe refund will be sent to her in the next ten business days

The Chesapeake Life Insurance Company ("Chesapeake") is in receipt of your January 6, correspondence regarding the above referenced fileThank you for the opportunity to assist in this matter.We reviewed Mrs [redacted] 's file and do see where she celled on December I t to inquire about the current dental and vision coverage she had and options of adding her husband to the coverageShe indicated that she did not want to add him until January 2018, The customer service representative she spoke to advised her to call us back when she was ready to add her husband to the coverage Mrs [redacted] did call back on January 3, and found out that the Basic Dental policy did not cover fillings and crowns and if she wanted this coverage she would have to upgrade to the Premiere Dental planMrs [redacted] decided to just cancel the coverage at that time because she could not afford to upgrade the coverage and add her husband The premium had already been collected on January 1, which paid the coverage to February, In effort to resolve this matter we are going to cancel Mrs, [redacted] 's coverage effective January , and refund her the January premiumA check will be sent to her under separate cover.We regret and inconvenience Mrs, [redacted] may have been causedShould you have additional questions or concerns please contact me at [redacted]

Thank you for your correspondence dated February 9, regarding Ms [redacted] who states that she hasadditional concerns and has not heard anything from The Chesapeake Life Insurance Company(“Chesapeake”)We offer the following information in response to Ms***’ concerns.As previously explained in our January 27, letter, in order to determine eligibility of benefits,additional information has been requestedOur records indicate that on January 20, Chesapeakespoke with Ms [redacted] regarding the additional information that has been requestedOur records furtherreflect that correspondences were mailed to Ms [redacted] regarding this matter on January 20, 2017,January 23, 2017, and February 8, Chesapeake’s most recent attempt to contact Ms [redacted] byphone was on February 13, 2017; however, our records indicate we have not received a return phonecall from Ms***.We look forward to receiving this additional information and working to resolve Ms***’ dispute

Please accept this as our response to the complaint filed with your office by Ms [redacted] Thank you for the opportunity to assist with this matterIn reviewing the complaint submitted by Ms [redacted] it seems she had an issue with the ACH withdrawals we initiated to her account in She indicated that she’s made multiple attempts over the last two years to rectify this situation, but it remains unresolved today She is requesting that we issue a refund to her for the nonsufficient charges, fees, stop payment charges and the additional charges incurred as a result of the multiple draft attempts that she continuously requested to be stopped, ceased and removed.First, we’d like to explain that The Chesapeake Life Insurance Company is not affiliated with Humana Insurance; therefore, we’ll be unable to address any concerns she may have with their company.We find where Ms [redacted] had applied with The Chesapeake Life Insurance Company (“Chesapeake”) on two separate occasions The first time she applied with us was on December 3, with our agent, Mr [redacted] This application was approved and the plans applied for were issued effective December 4, However, these plans later terminated on January 4, for non-payment of premiums She then applied with us on April 22, 2013, again with Mr [redacted] This application was approved and the plans applied for were issued effective May 3, However, these plans terminated on May 3, for non-payment of premium.We feel we should explain when an electronic application is made for supplemental plans, it is completed on a program that requires a link to be sent to the customer’s email addressOnce the applicant clicks the link she would have answered a security question to verify her identity and clicked continue One of the next screens presented would have been the Bank Authorization For Automatic Withdrawal form where she would have entered her banking information and agreed to the authorization for Chesapeake to initiate debits to her checking account Also included on this page, just above the Save and Continue button, was a statement which read, "The payment received for the initial premium will be deposited by the Company upon receipt of the application." Also, along the right side of the screen it listed the plans being applied for and the costs associated with these plans, including the $application feeShe had selected Monthly ACH Withdrawals on both applications; therefore, we initiated debits to her personal checking account upon receipt of these applications and each month thereafter We should also explain that should we initiate a debit to a checking account that is not accepted by the bank, a second debit is attempted 3-days later depending on the banking institution If the second debit is also not accepted the debit is returned unpaid and a letter is mailed to the insured explaining the debit was returned and that they have days to make payment before their coverage is terminated.As indicated previously, her first application was received in our office on December 3, and we initiated a debit to her account in the amount of $the following day This debit covered her first month’s premium along with a $application feeThe second debit was initiated on January 4, in the amount of $which covered her second month’s premium This draft was later returned from her bank unpaid and the coverage terminated as of January 4, 2013.We find where Ms [redacted] contacted our office on January 3, and spoke with a Member Services representative regarding drafts on her account She indicated in the call that we had initiated three debits to her account and she wanted us to stop debiting her account and/or reverse the charges We explained to her that our records only show one debit to her account so far and that we’re scheduled to debit her account on the forth of each month Ms [redacted] stated that she had tried to set this up to draft on a Friday to ensure funds were in the account We explained to her that we’re unable to draft on a particular day of the week, but could change her billing method from Monthly ACH to a Monthly Paper Bill that way she wouldn’t have to worry about the debit being taken from her account on a date she doesn’t want it to be taken or didn’t have the funds available She originally asked us to change her billing method, but then later changed her mind and requested that we keep her account on monthly debit We confirmed that debiting her account on the forth of each month was acceptable and she confirmed again that it was We also explained to her during this call that the January 4, draft had left our office and will likely present to her account the next day.Her second application was received on April 22, and we initiated a debit to her account in the amount of $the following day This debit covered her first month’s premium along with a $application fee This draft was later returned from her bank unpaid and the coverage terminated as of May 3, 2013.We find where Ms [redacted] contacted our office on June 10, regarding drafts on her account and asked them to be stopped as she’s incurring fees We explained that we were no longer debiting her account as the initial debit was returned unpaid and her plans had been terminated We also see where Ms [redacted] had contacted our office on July 22, and requested to reinstate her plans We explained to her that unfortunately her plans had been terminated for too long and we would be unable to reinstate She claimed that she was told by her agent that she would be able to reinstate and offered to forward us the email communication(s) between her and her agent for us to review She forwarded us copies of emails, but they were only regarding the debits taken from her account and there was no mention of reinstatement A Member Services Supervisor called and left messages on Ms [redacted] ’s voicemail on July 26, 2013, August 9, and August 12, 2013, but we were never able to speak with her concerning the emails.Based on our review of her file and the details provided above, we are unable to refund any of the insufficient funds, overdraft fee and/or returned item charges she may have incurred as she had selected and agreed to the authorization for Chesapeake to initiate debits to her checking account both times she applied with us.We hope this letter provides you more information regarding this matter Our position is based on the facts and circumstances set forth in this letter Should you or Ms [redacted] have additional questions or concerns regarding this matter or if you have any additional information you would like for us to consider, you may contact me directly at ###-###-####, or at [email protected]

We wanted to follow up and let you that we reached out directly to Mr [redacted] and advised him the following:My understanding is that you spoke to someone last Friday and they did confirm that your December initially went through; however, we received a subsequent transaction requesting the reversal of the 12/05/paymentOur Accounting Department contacted Paymentech who confirmed the chargeback was put through on 1/3/that the December payment was reversed back your credit cardWe are not sure how long it will take for the reversal to show up on your credit card company’s end and are unable to track that since we no longer have the funds in our possession Mr [redacted] said that he has still not seen the creditAgain these funds are no longer in our possession so we are not able to track them

Thank you for your recent inquiry regarding Ms [redacted] We offer the followinginformation in response to Ms [redacted] 's complaint.The Chesapeake Life Insurance Company ("Chesapeake") received an application for a HospitalConfinement Indemnity Policy and a Cancer Benefit Policy from Ms [redacted] dated October 19,These individual supplemental insurance policies were issued to Ms [redacted] effectiveNovember 1, The application was signed by Ms [redacted] by verbal signature, andChesapeake maintains her recorded verbal signature as part of her application fileMs[redacted] 's application was taken as a result of her inbound call to a licensed insurance agent whowas appointed with Chesapeake.Ms [redacted] 's policies were mailed to her by U.Smail on October 19, at the addressshown on her application for insurance (the same address that is provided in the complaint shesubmitted to you)The premiums for Ms [redacted] 's policies were set up to be paid by monthlybank draft from her bank account in accordance with the authorization provided by herHer initialpremium of $was drafted from her bank account on when her policies were issued, andthereafter her renewal monthly premiums of $were drafted on the Pof each month,beginning on December 1, Our records indicate that the premium drafts dated September 1,2016, October 1, and November 1, were all returned unpaid by Ms [redacted] 's bank inearly November and, as a result, her policies terminated.Our records indicate that Chesapeake was first contacted by the individual Ms [redacted] refers toas her "partner," Mr [redacted] , on November 3, Mr [redacted] called Chesapeake again onNovember and November 17, to dispute the charges to Ms [redacted] 's bank account forher insurance policies with ChesapeakeDuring the calls, Mr [redacted] identified himself as Ms[redacted] 's "significant other," and he provided verification information for Ms [redacted] includingher policy numbers, date of birth and addressMs [redacted] also provided her verbalHealthMarl

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11107526, and have determined that while the final cancellation of account created under my wife and my own name, resolves my dispute,the fact that this company states that I "electronically signed application and authorization for credit card charge" is absolutely unacceptable, once I did never sign any document or authorization whatsoever,thus this company is being dishonest in their actions and response, justifying its agent's actions, when he applied and set my credit card information without my verbal, written or digital authorization

We are writing in response to your April 20, inquiry regarding [redacted] ***.Mr [redacted] made application for coverage through The Chesapeake Life Insurance Company (“Chesapeake”) on December 16, and the requested coverage took effect on the same dayHis policy documents were emailed to [redacted] The emails provided instructions on accessing the policy documents via the Member Portal, provided contact information for our office, and provided notice of the ten day right to review.We have no record of Mror Mrs [redacted] contacting our office prior to February 3, The communications that took place beginning on February 3, are as follows:02/03/Mrs [redacted] called and stated they had never received the policyThe representative explained it had been emailed to themAt Mrs***’s request, the company ordered a policy to be sent to their mailing address.02/11/Mrs [redacted] stated she still had not received the policyThe company confirmed the policy had been ordered for mailingThe policy was subsequently mailed on February 13, 2016.03/18/Mrs [redacted] stated she had not received ID cards or policyThe company explained there is not an ID card and advised the policy had been mailedMrs [redacted] then indicated she wanted to cancel the policy and receive a full refundThe coverage was terminated and a two-month refund was processed.Chesapeake did not receive any return emails or USPS mail with regard to the policy, which affords the ***s with a Day Right to Review the Coverage in order to receive a full refundSince Mrs [redacted] continued to call the company stating they had not received the policy, we will agree to refund the additional month of premiumMrand Mrs [redacted] will receive the refund under separate cover.We trust this answers any questions you may haveIf we can be of further assistance please don’t hesitate to contact me at ###-###-####, ext53191, or at

This is in response to Ms [redacted] ’s complaint which was received in your office on November 5, Thank you for the opportunity to assist you with this matter.First, it is important that we explain that our sales representatives are independent licensed insurance agents who are given the training and tools to provide our prospective customers with information regarding the products we offer so the consumer can make an informed decision in choosing coverage that fits the consumer’s needs Please understand that they are appointed to solicit Chesapeake’s insurance products, but may also solicit insurance for other insurance carriers not affiliated with Chesapeake.Second, we want to explain the plans referenced above are separate from and typically sold in conjunction with health insurance as they are designed to supplement health insurance These plans pay a lump-sum cash benefits directly to the insured person for certain specific illnesses or injuries as listed in your Policies The money can be used not only to pay deductibles, co-pays, or co-insurance, but rent/mortgage payments, car payments, or just everyday living expenses.The application was received on September 16, and the coverage went into effect on October 1, as requested on the application.We understand that there is no way for our office to fully know the extent of what was discussed between the client and the agent; therefore, we rely on the electronically signed application as acknowledgement that Ms [redacted] understood the coverage being applied for as well as the electronically signed Bank Authorization for Automatic Withdrawal form as authorization to debit the designated bank account for the initial and recurrent premium payment.On September 17, a copy of each policy was sent to Ms [redacted] .To ensure the coverage met her insurance needs the each policy provided her a day free-look period The first page of the policy asked that her read the policy carefully The “Day Right to Examine The Policy” section states:It is important to Us that You understand and are satisfied with the coverage being provided to You If You are not satisfied that this coverage will meet Your insurance needs, You may return this Policy to Us at Our administrative office in North Richland Hills, Texas, within days after You receive it Upon receipt, We will cancel Your coverage as of the Policy Date, refund all premiums You have paid.We did not receive any returned mail and did not receive any correspondence from Ms [redacted] during the day free-look period.Ms [redacted] ’s coverage has been cancelled back to the effective date of October 1, and a refund in the amount of $(including the $wire fee) was wired to the Diamond Credit Union bank account today November 10, No further attempts will be made to draft Ms [redacted] ’s bank accountWe sincerely apologize for any misunderstanding or inconvenience and we hope this letter provides you more information regarding this matterShould you have additional questions or concerns regarding this matter, you may contact me at ###-###-####, extension ***, or via email at [redacted]