Assurant Group

I filled out an application for a phone in low income using my EBT card. The conversation got cut off and I don't have the information. When I called they told me that they cannot cancel the account because it has been loaded twice since I had this phone.

They should be able to find my name and my EBT cad information to cancel my service. There is some fraudulent use. They need to change there system. My phone is being used by another person free because they don't have a system to set this up, to pull up accounts when something goes wrong. Oh my God!

I want my phone account to be cancelled immediately. I cannot even replace my phone because it's being used by someone else.

I arranged to get insurance through them, and 4 days later, I tried to cancel it. I then told them to return payment, and am still fighting to get it canceled along with my money. They are not cooperating.

I will not pay a disability claim that I purchased to protect a small loan. American Bankers paid for a few months, then advised the loan owners that my disability is preexisting. How could they pay for a short period and then determine that my illness is preexisting? Please reach out and advise via email. I have seen no good review on this company and will not stop until I get a resolution or payment. I am still paying the premiums for disability insurance that are included in this loan. I would like to know if there is a class action lawsuit on this company? What is my next move on this? Can you advise me in any way? Thank you for your consideration. The American Bankers Assurant company is the sister company with the company that I work for. Weird.

I purchased an Extended Service Contract (ESC) from the General Electric Corporation when I bought a Sony television from Video Only in Beaverton, Oregon in 2008. I called the contact number on the contract and told the extremely rude woman that answered the phone that I was having intermittent problems with the television. From the onset of the conversation, it was apparent that she had no clue whatsoever what I was talking about. When I explained the intermittent problem, I was having with the TV. Midway in the conversation this person had the audacity to tell me that, if a technician was sent to my house and he/she could not find anything wrong with the TV, I would be charged for the service call.

On the contract it clearly states the coverage is for In-Home Repairs and nowhere in the contract does it state that I have to pay for a service call if the technician cannot find anything wrong with the TV. I told the woman this and she completely ignored me and became even more belligerent. I decided there were no use and pursuing the matter further, so I hung up and called the Video Only home office in Seattle. I explained the problem I was having and the lady I spoke with told me that I would have to speak with another lady about the problem. That lady was not available so I asked that the information I had provided be given to her and requested that she call me. I eventually was able to make contact with this lady and she told me that the Assurant Corporation was the agent for all ESC contracts formerly underwritten by GE. She said that she had called her contact with the Assurant Corporation and he had admitted that there was nothing in the contract that required me to pay for a service call if the technician could not find anything wrong with the TV. He told her that their telephone agents had been told to use this ploy (my description not his) to discourage people from attempting to obtain in-home service. I have delayed my follow-up call about the problem because I want to find out if there is a state or federal office that is responsible for oversight of this type of insurance company.

After my third service call, they still would not replace a defective part of a GE microwave that I bought. I want it to be replaced, but not with any replacement cost. I would not pay any tax or installation fee for new model, which I would have to shop for and buy. I have not been able to use the microwave, but I'm still paying for their "service." Assurant (GE service contractor) also failed to give my money back on the service contract for days (23 and counting).

I have asked to speak to a manager and got Jamie; she also refused and would not give her email, as well. I have also sent emails to Assurant Managers in Atlanta & NYC, but no one is interested in resolving this. I only am reaching the cheapest solution for Assurant. They would not even send me a check, for the token $ amount.

By express mail, I have to wait, 7-14 days, for their partial payment, even though I can't use the microwave, which I have had a service contract, for several years. Not a way to treat a good, long time customer.

On Assurant's website, you can see a "Commitment to Customers" for their employees, which they have no clue about. The commitment speaks of "peace of mind" for customers. So far, I am only close to losing my mind, due to their lack of common sense.

I have had to wait an average of 3 days, for previous service calls to arrive, and been subject to an 8 hr window for their arrival, each time. On one occasion, the service provider/tech did not have the part in the truck, & had to come back. On another call, my wife had to assist him in lifting the unit from the wall, as he was alone. She does not work for Assurant, as far as I know, but she was recruited into helping, after only being out of the hospital for a short time. Great Work!

I want Assurant to schedule their service provider to install the replacement unit, which they should have provided, instead of a check! I also want tax & a call from a Manager, regarding Jamie's attitude, incompetence, & refusal to escalate my issues. This also includes my wife's situation, which was disgraceful & beyond common sense!

If 5 stars is for absolutely perfect horrible customer service, then that is what I give Assurant. I started with Assurant Health Insurance in September 2010. Three days later, I got bit by a dog. A day after I was bit, my husband started a new job, after 2 years of being unemployed. He got Cigna with his job and he put me and our son under the coverage with him.

I continued to use Assurant for all of my dog bite injuries because it was pre-existing. At some point, Assurant asked if I had other coverage and I disclosed the Cigna coverage. Not once did a service rep say Cigna is now your primary.

They are claiming, as of today in a call I just made to them on 9-7-11, that I have to have all of the providers re-file all of the claims lots and lots of claims. I was in the hospital twice, once for 10 days and then again for 2 days. And a total of 4 surgeries in all on my hand. So, lots of providers over the course of 8 months of on-going medical visits and procedures.

All of a sudden, Assurant is my secondary. Not one service rep, over the course of many months and phone calls, said "Oh, Cigna is your primary." I gave Cigna information to them. I gave the number and address off the back of the Cigna card to several reps several different times. I even asked if it was necessary to call repeatedly with this info. One rep told me no and another said I might have to! One rep I spoke with said (while laughing), "I have no idea why we sent you that letter." I kid not. She actually said that.

I hope Assurant is listening to their recorded conversations for training purposes, or quality assurance or whatever. Obviously they are not listening because their customer service is terrible. As it stands, I cannot get a supervisor from Assurant on the phone to help me. I keep getting senior service reps who keep reading the black and white rules to me and not treating me like a customer.

These senior service reps are quasi-supervisors that Assurant uses to act as supervisors so the company can get away with paying less. Senior service reps sound a lot cheaper than supervisor. Either way, these quasi-supervisors stink! I never planned to get bit by a dog and suffer. Not only at the hands of the dog, but also the hands of Time Insurance Company Assurant Health shameful customer service.

I want Assurant Health to talk to me about this issue and a plan to resolve it. Not all on my shoulders that I have to contact all of these providers. They should do that. They are the ones who messed up and did not tell me Cigna was now my primary, as of 11-1-10. I want Assurant to clean up this mess, not leave it for me to deal with. It is their fault this mess exists.

Not once did any of the service reps tell me that Cigna was my primary, nor did they even know why Assurant had sent me letters requesting information about any other insurance I might have, which I supplied again, numerous times. When I would call them to tell them , over and over that I had Cigna but was using Assurant as my primary, not one rep said, "No, that is not how it works. Cigna is now your primary, and that is why we were contacting you..." Rather, the service reps would just say, "Thank you for the information" or "Your claim(s) is under review".

Never an inkling from any one of the reps to the fact that they would then turn around and want money back from the providers. Why didn't the service reps know to provide me that courtesy as a customer of Assurant!? Why didn't someone tell me when I spoke with them yesterday that they were requesting money back from the providers? I have been paying them for a service and they have not provided the service they should have. They have added to a very dramatic experience.

Such as: cancer, have to stay in the hospital for any length of time or go to the emergency room. I went to the emergency on 5/11/2011 in an ambulance for severe chest pains. I was there for less than 2 hours and they basically monitored me and did an EKG and told me to follow up with my doctor. I basically had a panic attack because I can't find work and can't pay my bills.

I called the company to advise them that I have not received a premium notice and that I know a premium is due. I was transferred to several voice mail systems and no one got back to me. When I did speak to someone, they told they could not help me as they did not have access to the information. This has been an ongoing problem with this company. It is the third time that I had to call them because they are not sending me a premium notice. I have had this policy for over ten years. I believe that they are doing this so that they will have a reason to cancel the policy.

They offered to buy back my Crackberry cell phones on behalf of US cellular. I put 3 of my cell phones in their 3 mailers and sent them back. I received two debit cards with no problem. The third debit card never came. I called Assurant Solutions to find out what happened and Sara informed me that my phone had water damaged. I told her that my daughter removed all my information out of that phone and it was in working order when we put it in their mailer. She said that was too bad and that there was nothing she could do.

I told her to return my phone or send the debit card and she told me that they could not do that. I asked to speak to a manager and she told me there was not a manager there. When my US Cellular bill came in the mail, they charged me for the 3 cell phones that I no longer have. If they offered a buy out, how can they charge me for using the phones? I refused to pay the bill and US Cellular shut off my phones! Isn't that why I sent the phones back in the first place? I have been with US Cellular for 14 years and that's how they treat loyal customers! They have a new program out now called Believe. What a joke!

I received an offer to get $125 for my Blackberry 8530 Curve II if I mail it to Assurant Solutions. My phone was a month old so I knew it was in good condition and I would receive the money as promised. They said to allow 3-6 weeks for receipt of the money. I called since it has been 7 weeks and they said that they never received the phone. Their response was if "we don't have a record of receiving the phone, then you did not send it". I sent it. It is very convenient that they have my phone and say that it never arrived so they don't have to pay me. I have the letter that outlines the proposed $125 I was supposed to receive. Very unhappy.

Assurant holds the Service Warranty Insurance for Staples ESP. I purchased a 2-year service warranty contract along with the desktop computer on 02/08/2009. At the beginning of November 2010, the computer needed service. Upon contacting my local Staples (which has a well-staffed and very competent service department, EasyTech), I was told to contact Assurant and get an "Incident Number". I did so. Assurant contracts with a company out of Minnesota called MPD Parts, who sent a part out and scheduled an in-home service for the following week. The service date came and went. No service agent. Upon contacting MPD, I was told to call Assurant and to send the part back.

Upon calling Assurant, I was told there were no service agents in the area. I was given another incident number and told to take the computer to the local Staples EasyTech Service. I called the local store (Staples store 0376 - Eureka, CA) and spoke with the manager, Chris. Chris informed me that the local Staples store has had trouble with payment from Assurant in the past and that the local Staples store is not on the Qualified Service Center list with Assurant. There are some problems there and I was given a glimpse of the tip of the iceberg, as it was. Chris had me wait while he contacted Assurance. The next day, he called back with yet another incident number and told me to bring the computer in, adding that the EasyTech would call Assurant when I did bring the product in but that the local store would take the computer and repair it, regardless.

I took the computer in. The EasyTech, Matt, a very helpful young man, called Assurant while I was there. After 30 minutes on the phone with the warranty company, Matt (the EasyTech) was instructed by Assurant to send me home to await the receipt of a shipping box. And of course, I was given yet another "incident" number.

I made an overpayment on service contract renewal $47.55. They sent letter saying they would credit me or I can request a refund (letter dated 6/25/10). My first call was 7/6/10, I spoke with a rep and said I would get a check in 7-10 days. Call ref: **. No check. The next call, 8/5/10, #** I was promised again. By 9/6/10, still no check. I called again and spoke with Brittney #**. Again, I was promised but still, no check. I called on 10/7/10, spoke with Adriana. I asked for a supervisor. Unfortunately, there was no supervisor available! She will have one call back. I was then left a message by a supervisor who did not leave name and said it would be 6-8 weeks from 9/16/10. Finally, 11/1/10, I spoke with Jenae who said it would be another 6-8 weeks from 10/11/10. I have had it, they are keeping my money. This is fraud.

Since July 12, I have been trying to schedule a repair of my GE refrigerator. I have spoken with several managers--Joel, Tracy, and Yolanda. They all assured they would call me back, but not one did. I have had nothing but problems with this refrigerator, since I bought it. I doubt I would ever buy a GE appliance again. The freezer either melts and ruins all my food or is frosted completely. I have had to use coolers, waiting for a repairman. And the problem was never really fixed. All my fruits and veggies froze.

I keep getting these calls from a Shwn at Assurant health saying I need to pay my claims. I called the number and it says it is disconnected. When they called again, they spoke so fast I could not understand the person so I had them slow down and explain who and what they were. I told them to take my name off the list because I do not have their insurance. He hung up. the second time this happened, I did the same thing and threatened to call the police and they told me go right ahead there is nothing they will do about me calling you, they don't care.

I went to Chicago Cycle to purchase a bike and was force-fed an extended warranty by the business mngr. I was fully assured if I did not use it I would get a full refund in 4 years. Well, the phone # for the warranty company is d/c'd and the XtremeGard Co. never received payment from the Assurant Pro for the warranty as they are the actual (still in business) warranty company.

Well I got the run around when calling the cycle shop and was told by one emloyee that they knew the Assurant went out of business and they only used them a couple of months. Of course I was never notified I had no warranty. All phone calls, e-mails(and there have been many and all documented) have not been answered. I know this is one of MANY complaints about the cycle shop which I now know has a F BBB rating and so does the Assurnat Pro. I guess the next step is a lawyer to recoup the amount of 747.00. It is funny how all the warrnaties sold by the shop were different amounts to different people. Just goes to show how much commission they really got out of their victims.

Staples offered me this extended plan which was supposed to cover 100% parts and labor. I specifically asked if the battery is covered and they said sure. I called 1.5 years after my purchase to replace my dead battery and they said battery is not included in the plan because it is consumable parts. In this plan they refer to things like: knobs, remotes, cartridges, drums, etc) and when I asked where is the battery they said it is under "etc".

Something as important as battery would be in etc but not knobs and drums. A clear scam. When I asked for my refund he said we take off 10% and them 1/4 of what you paid. Steve was not willing to negotiate any better deal and was only interested to know who has given me misinformation so he can punish them. Bad management, bad costumer service, bad scam.

This has to do with two companies, the one above and Vanderbilt Mortgage Company Customer Service Vanderbilt Mortgage and Finance Inc, Alcoa Trail Maryville, TN 37804. Now starting with one thing on Vanderbilt, their Customer Service Office is in Maryville, TN. Loan payment on back of statement you, send them to PO Box 742xxx Cincinnati Oh 45274 (Wrong). The slip that you send in with the payment on the front side goes to Dallas, TX. This company has the worst Customer service I have ever came across and I have seen some bad ones. Vanderbilt Mortgage on January 16th 2009, one insurance company they had on my trailer stopped on January 16th 2009. The same day I took out with another Insurance for insurance to protect me as well as them.

Well, on January 16th 2009, the insurance that Vanderbilt had was no longer. I have the documents of it ending on that date and I sent to them 4 times, the new insurance company by fax and by mail 4 times. Vanderbilt mean while advanced me money for and insurance company that wasn't there I had the cancel information in my hand. I have called them, wrote them 4 times + about where the money was going where there wasn't anything to go to. So I sent the new companies information right away, so they keep paying on something that wasn't there.

So what was going on with Vanderbilt, I had to pay for two Insurance company for over 4 months. Well, over $200.00 and because I held back on sending them for the insurance that wasn't there, they kept putting my payment in to a un-app account and charging me a late fee on top of that. I'm getting to end of my ropes with getting ripped off with insurance. They also got me when I purchase the trailer for $500.00 of insurance I didn't even need. Now comes to Assurant Group on 02/18/2010. They sent a letter to Vanderbilt, watch dogs that my insurance was cancelled for non payment.

On 02/23/2010, 5 days later when I became aware there was a payment that was over due, I paid two payments and was reinstated. Well, Assurant sure can send the information of the insurance being cancelled but when it comes to the reinstatement is a different matter and they didn't do so. I sent in the information to Vanderbilt about the reinstatement and everything, so since 02/18/2010 Vanderbilt advanced me again and I'm paying for 2 insurance companies. Again $52.00 per month and I'm not even cover for my part. And they put things on there that I don't even need. No matter what you do Vanderbilt will not write back when it comes to them returning of money but when it comes to them needing money it has to be right now.

When you contact them by phone either they can't find anything or they don't know how to do it. They pass it off on someone else. Well, they better soon because if this doesn't work I'm very good in court. I was an Apartment manager for 8.5 years and did 150 cases myself and came out a winner on everyone. I don't think I should be the one footing the bill again because of the reinstatement information and Vanderbilt doing what ever the please. Thank You.

I lost my Cricket TxtM8 Slider phone with the key pad on 2/22/2010. I filed a claim that very day with Assurant the insurance company for my wireless carrier Cricket. The rep from Assurant sent me to a cricket Corporate store located at 6081 Broadway in Merrillville. At the store I was told that the lady who usually processes the insurance claims was not there that day and to try back another day. I was able to do so Friday 3/26. On that Friday 3/26 I spoke to Parris the lady who processes claims. She informed me that my phone that I purchased "brand new" two months earlier on 1/28/2010 was not available and currently on "back order". She went on to say that they are offering to replace the phone with the Samsung Messenger II.

I asked to see the phone. Paris went in the back and bought out a pretty ratty tatty looking slider phone that did not look all that great. It was scratched and looked USED. I understand that I could possibly get a refurb but not one that looked like THAT. Especially when the phone I had was only two months old. I looked at Paris and said "I don't want that. " She then told me that the Messenger was better than the TxtM8, but I wouldn't know since Parris bought the phone out with no battery and did not offer to tell me any features or benefits that would make me want that phone. So with no other alternative I left the store and called Carmelia at the district office to launch a complaint. Since it was after 5 pm on a Friday I had to leave a message.

Next I called Assurant where I spoke to rep "Lori". I explained my situation to her and she seemed to sympathize with me. She explained that what Parris told me was partly true except not only is my phone on "back order" but the company that makes the phone is no longer producing that model. She told me the Samsung Messenger was the closest thing to what I had (The TxtM8). Lori then went on to explain the features and benefits of the Samsung Messenger. You would think selling this phone to me over the phone should have been harder than doing so in person but Lori was very detailed and patient and I actually like what I heard so I decided to take the phone. Lori assured me that the phone "they" (Assurant) would send will be in much better condition than the one I saw at the Cricket store in Merrillville.

On Today 3/29 I came home to find I had a package in the mail. My phone was here already! WOO HOO! I hurry up and open the box only to find the insurance company sent me the WRONG PHONE! Instead of a slider phone with a key pad they sent me a flip phone! They sent me the Samsung "MyShot" not the Samsung "Messenger".

Right at that moment my phone rang and it was Carmelia from the Cricket District office returning my call. I explained to her all that happened. Carmelia quickly apologized for all the hassle I was going through and offered me this solution. She said that I can return to the Cricket store in Merrillville. She promised that they would have a much better looking Samsung Messenger II there that I can swap out. She said all I had to do was call the insurance company, have them cancel the current insurance claim, and reissue me a new claim number so that I can walk back into the store and get the "correct" replacement there instead of having to wait months for a slider phone with a keypad to become available at Assurant. Carmelia said that they will handle returning the phone Assurant sent me in error via Fed Ex at the corporate store location.

I immediately get on the phone and called Assurant to let them know they made an error and that I need them to file a new claim so that I can do a store pick up. The first rep I got "Jared" was no help so he transferred me to his supervisor. She (didn't get the name) was no help either so I asked to speak to her sup. The Sup's manager advised me that she will see what she can do and that I will get called back within 3-4 hours.

See, the problem Assurant had was that When they deleted the first claim (which THEY "OFFERED" to do in the first place! ) And created the second claim, that put me at my limit of claims for the year, which I only get two per year. I was unaware of this at the time. Meanwhile I get a call from Robert at Cricket corporate office. I explain to him what the deal is and he takes the info and says he will forward it to Carmelia who I had spoke with earlier. Robert also looked up my account and informed me that the first claim Assurant processed is not even showing up in their system.

And more importantly since I did not end up getting a replacement phone at the corporate store location the insurance company did not have to pay out on that claim so it should not count as a claim at all. It should have gotten thrown out since they did not have to pay out. The phone I actually got in the mail would actually count as "ONE" valid claim because I did actually receive a replacement phone (even though it was not the phone they said they were sending) that they had to pay out for. Robert said they should have no problem issuing me another claim.

At around 7 pm I get a call from this 610 number. It's the Assurant corporate office rep (did not get the name) calling to tell me that I'm basically screwed! He says because I filed the first claim and had it deleted so that I can file the second claim to have the phone shipped I had already used my two claims for the year and they will NOT file a new claim so I can pick up the replacement at the Cricket store as Carmelia suggested. They are only willing to refund me my deductable once I return the phone they sent me in error.

He also further explains that Cricket told them that in lieu of the "brand new" slider key pad phone I lost that Assurant could send me the "flip" phone because it is the only phone they currently have available of like kind and quality to the one I had. I argued the point Robert brought up about the first claim not being valid but he was not trying to hear it, it got ugly toward the end and he (the Assurant Rep) hung up on me. Now in the service agreement, it does say that they will send a phone of "like" kind and quality but a "flip" phone is nothing "like" a slider phone with a keypad! Not at all!

I feel like I am being ripped off! Their service agreement also says and I quote directly from the agreement: "If we elect to replace your covered product and a replacement product as described above, (meaning of same like and quality) is not available, we will pay you a cash settlement. The amount of the cash settlement shall not exceed the current retail of a replacement product of like kind and quality; and such retail cost shall not exceed the retail purchase price you paid for the original covered product less any deductible."

No Cash settlement was ever offered. The only thing they ever offered was to return my fifty dollar deductible upon receipt of the replacement phone they sent in error or without my permission (meaning I never agreed to the model phone they sent and this should have been approved by me prior to them sending that particular model)

Now, I am currently without a phone. I paid for service this month and already I am going into my second week of no service that I have paid for while I am trying to sort all of this out. Assurant also informed me that if I activate the phone and don't return it within five days. I will have to keep the phone. I bring this up because I asked if I could use the phone they sent me in error temporarily until they get the sliders in stock. The answer was no!

Now, I am still without a cell phone. With cricket you pay in advance for service unlike with other cellular companies that offer regular monthly service plans. So I'm basically not able to use the service I paid for because I have no phone. This whole process has been extremely frustrating. I am so angry over this, I cannot even be around people because I snap out of anger. Not at them of course but because I am seething on the inside from what I am having to go through. I literally had to shut myself off for a while just to calm down. I had to take three Aspirin and lay down on the sofa because I had gotten a terrible migraine from the whole ordeal. And the nightmare isn't even close to being over. I still have to figure out what I am going to do about a phone.

They charged huge premiums but don't even pay reasonable and customary charges to the doctors. They "change" the date and have taken drafts from my bank account without proper authorization and did it on a Friday evening (they are closed on weekends). I've been in their phone tree for hours several times trying to talk to someone in charge. I get cut off. I am told they don't give out attorney information. I feel we've been scammed. We've paid them $12,000 plus and they've paid maybe a few hundred on claims. I'm talking about our physicals. I just want my money back. I had to go to my bank and explain I'd canceled the policy and that was an unauthorized draft (Assurant took $596.70 on Feb 26 and March 2!). It cost me time off work, made my utilities bounce, etc. And they are just rude and shady when you do actually get a human on the line. I'd be interested in joining a class action suit against them.

On January 6, 2010, I made a phone call to the warranty company about a problem I was having with my Maytag refrigerator that was not cooling. I had purchased this from Home Depot. The warranty company (Assurant) called a local service company to come out and look at our refrigerator.

After waiting for a few days, I decided that the service company was not coming so on January 13th, I called back. The warranty company called another service company that did come out on January 18th. The tech said the fan was not turning and that was the problem. He told us to wait for a couple of days for the unit to stabilize and it should start cooling. It did not.

We called the warranty company back and they sent another tech out on January 21st. He discovered that there was a broken part in the freezer and there was not repair part for it. I called the warranty company to find out what was to happen at this point. They said they would have to further research the matter and let me know. At this point, my food is spoiled and I asked for reimbursement. They sent a check for $200.00. The situation looked promising at this point. I called the warranty company again and reminded them that I had been without my refrigerator for more than 15 days. I was told that they were still looking into the matter. February 15th, I still have no reimbursement for my refrigerator. I personally believe this is some sort of stall tactic in not wanting to honor the contract.

This has convinced me that I will never purchase an appliance or a warranty from Home Depot again. I will not hesitate to let anyone know of the experience I have had with the warranty company contracted by [Home Depot]. I'm still waiting for refund since January 23, 2010.

In late October 2009, my Miele washing machine failed. It was determined that the drum froze up. It was insured by a service contract dated 01/2006 [American Bankers Insurance Co of Florida, div of Assurant] and renewed 03/2009. Premiums of $800 plus were paid to cover a Miele washer. Three different appliance service companies determined that it was not repairable and a replacement was needed. The insurance company wanted to offer $872, later moved up to $1399.20.

They claimed that they based this on a replacement of a Bosch washer with 80% of life left. My contract says "replace with like, quality and functionality." No depreciation is in the contract. The Bosch is not a Miele in any way. A Bosch costs $1,500 and a Miele costs $2700. The Miele is built to last for 18.5 years average and a Bosch 12.8 years average. I paid insurance on a Mercedes not a Chevy. Three months without a washer and nothing but runaround by Assurant Solutions. They should be barred from doing business with the public and charging premiums for what they do not intend to pay claims

Three years ago, I obtained a policy through Assurant. Last month, my daughter had to have surgery to have her gallbladder removed. We thought that we would pay our $5000 deductible and the Insurance company would pay the rest, as we were led to believe by the agent. Now, Assurant has said that my daughter had this as a pre-existing condition. I now have to pay $23,000 in medical bills.

I am going back to Midwest for insurance. I see a lot of bad reports on certain sites about them, but they always paid what they said they would.

I bought an extended protection service warranty for an ATV purchased from McCune Cycle World in Mansfield, Ohio. The protection was purchased in Dec. 2005. If after four years, no claims were made, the full purchase price minus an administration fee would be refunded. The purchase price was $632. Four years have passed and I am attempting to recover the fee without much luck. All the necessary papers were sent in a timely fashion via registered mail. As of today, Jan. 20, 2010, the return card has not been returned, and we have not heard from Assurant Pro.

We understand from the Better Business Bureau that there have been other problems with the Matrix Group. How do we go about recovering the $632 due back to us? Is it possible for us to recover the fee for the warranty from McCune Cycle World, as they were the selling agent for Assurant Pro/Matrix Group? When dealing with McCune in November regarding the warranty, they assured us that Assurant Pro would handle the claim at the end of the warranty period, which would be December 2009.

McCune knew there were issues with Assurant Pro but they kept quiet. I feel that they should be held responsible in some way since they said at the time of purchase of the warranty that we could not lose. Now, look at what has happened. The time limit for claims is soon expiring, and I would like to be advised as how to proceed.

The appliance company was contacted the beginning of November to repair a furnace on my 2001 home. They have yet to fix the repair almost a season later. The company they have contracted is difficult to contact and has not kept appointment times. The company they contracted has difficulty troubleshooting the problem and has been to my home 5 times. Assurant Solutions has failed to return my calls and refuses to refund me or credit me for the problem stated. The company also is now telling me that it is the manufacturer's problem to replace specific parts. I have five children ages 3-9 in my home along with two adults who have suffered the cold weather. Temperatures were in the 20s during nights and early mornings with no heat in my home. Many attempts were made to the contractor and insurance company to resolve this and still have yet to be done.

extended warranty on 2006 Chevy Silverado bought through the dealer on brand new vehicle.On Nov 12th 2009 with 27830 miles the transmission cooler lines started leaking.This is a very common defect on this model truck. The truck was less than 4 months out the bumper to bumper warranty. The extended warranty by One Care denied the claim because the lines in question are 2 piece,a flexible line swaged to a hard line and they do not cover rubber hoses. The flexible line is not leaking, the defect is improper swages where the 2 connect.

My house, and surrounding home owners' properties were hit by a tornado and / or wind shears upwards of 117 MPH on 09/03/2009. There were storm warnings. I was not home when the storm hit. I have over $20,000 in damage to my manufactured home - moved off the beams, skirting, ceiling cracked, sheet rock damaged, roof tabbing, etc. Fred D from Houston area come out - did not look at home and wrote a $2,000 recommendation; I flipped. Next was Billy B - he came out AFTER I hired a PE Civil Engineer who confirmed the damage. I also got the NWS involved and they are on court standby. NWS sent me their copy of the weather alert. I have shared all with Assurant legal and these agents. I paid for engineer out of my pocket. Now, they are dragging their feet. I have been called a liar by both adjustors despite the extensive damage that can be seen to my home, and others, and despite the NWS report. It is almost 3 months later and no repairs. I need help. NOW.

I took out a policy after talking to Chris, who is located through the Equity Company in Irving, TX. He sold me the policy and said that I would be contacted the next day. I was not contacted. They wanted a bank account to withdraw the first payment from and recorded (supposedly) the date that I wanted it deducted (3rd of each month). I did receive a policy and the money was deducted from my account on the 25th of August, the 10th of September and again on the 17th of September. My monthly income is very menial and so to have $247.95 deducted from my checking account 3 times within a month and 2 times in one week is abhorent.

When I talked to Christine this morning she said I would have to get a copy of my bank statement (another $2.50) plus the fee to fax it to them and a long distance phone call to her office to let her know that the fax is coming!!! Give me a break!

I am at a loss for what to do and very devastated with my financial situation. Now there isn't even enough money in my account to pay for the prescriptions that I need because I can't use my card until the financial end of the policy is resolved.

The only phone number I have for Assurant is 800-800-1212 and you have to go through several options before you can talk to anyone and there is a long, long waiting period.

As a firefighter I was concerned about the possibility of a disability and subsequent loss of wages. Four years earlier I took out a disability policy which I thought would provide additional income in the event of a disability, unfortunately I was diagnosed with a medical condition recently, which prevented me from firefighting. I applied for disability and was given a plethora of reasons why I was not eligible.

Ranging from non compliance with FMLA, occupational disability, not paying premiums (payroll deducted)the list goes on. I appealed Assurants decision twice and both times was told that the BOARD denied coverage. Since then I have contacted the Employees Benefits Security Administration and am waiting on some type of direction.

I intend to exhaust all of my resources to expose this company for breach of contract, and recover all of the disability I am entitled to. I remain tenacious, and will not succumb. I share these circumstances so that the hard working labor force in America is not duped by some unscrupulous,greedy individuals whose only course in life is to feed at the expense of others.

At age 59 I had to leave my employment to care for my elderly mother during her final weeks of life. In order to continue my health insurance coverage without any exclusions Assurant is charging $1900 per month for a very poor policy. I am now faced with knee replacement and have found Assurant to appalingly slow about verifing coverage and returning calls. They promise 24 hour call back but good luck in getting that to happen.

I had a procedure authorized and approved before having it done by Assurant Health. I ended up paying the month's policy plus $1124 for the complete procedure. An adjustment of a mere $34.00 was made.

I purchase a Life Insurance policy with Fortis? I have diabetes, have had since about 1 1/2 yrs of age. This is why I got the life insurance policy, so if I did die,there would be no problems for funeral expense for family. According to my bank statements,the Co. has changed & now Assurant insurance is now handling my policy. I have never received any info from this company, no contact info,etc. I have been trying for 3 1/2 weeks to make contact. I have had nothing but crap from these people.

The latest is that they have no record of me in their system. Yet a monthly withdrawel from my checking accont shows on my statements. I spent quite a while at my bank seeking any otheer contact info. I do know that the money forom my account is going into an account at Chase Bank, listed as Assurant Insurance. Ater going to Chase Bank(after spending almost an hour on the phone with automated garbage & not making any contact)I was finally given more info for contacting Assurant. According to Joanne, I don't have an account with them,yet money is still being withdrawn form my checking account. Since I cannot make contact with them this weekend I will atttempt again Mon. morning. I am very unhappy/stressed about this.

Bought a Service Contract from Assurant Pro through Chicago Cycle Center a motorcycle dealership on 6/27/2005. I have the right to claim a 100% cash refund because no claim has been made on the motorcycle through the purchase of the service contract. The number to Assurant Pro is disconnected the dealership as a act of good faith is reimbursing me $99 out of a service contract I bought for $899.

I purchased a TV from Circuit City in September of 2008. With the TV I also purchased a 3 year protection plan upon being told by the sales person that if anything happens to the TV that it will be fixed or replaced. In June of 2009, there was a problem with the TV. While watching the TV, the picture went black and a crack ran through the upper right corner of the screen. When I approached the TV it was extremely hot. I called the number provided for Assurant solutions, who took over responsibility for Circuit City protection plans, and was told that I had to contact the manufacturer since the TV was less than a year old. I contacted Element (the manufacturer) and was told that the Circuit City plan overrides the manufacturer warranty.

I then contacted Assurant Solutions once again on July 1, told them what happened and was told that I would be contacted in order to make an appointment for service. A few days later, on July 6, I answered my phone and a recorded message told me that I would be contacted with 24 hours to set up the appointment. I waited a few days and was never called. On July 10, I called the number that they gave me and was given an appointment for Monday July 13 from the hours of 11am-1pm. No one ever showed. I received a phone call later that day confirming the appointment for Tuesday. When we corrected them, they finally showed up at 5pm. Two men showed up at my door, looked at the crack in the screen, attempted to turn on the tv without it even being plugged in, wrote down the model and serial number and left. Not once did they even attempt to open the television to locate the cause of the problem.

The next day, July 14, I contacted Assurant solutions again, told them what had happened and requested that a different technician be sent to check the tv since the first one didn't even properly look at the problem, and I felt that he was not competent as he didn't realize that the tv was unplugged when he attempted to turn it on. This is when Miriam told me that they had made a mistake sending a tech out in the first place since they were not responsible since the tv was under a year old and it should still be under manufacturers warranty. I told her that was not the case. My receipt clearly states that the protection plan is valid starting from the date of purchase 9/20/08, and that I had contacted the manufacturer and they told me the same. She refused to help me any further and continued to repeat that I had to contact the manufacturer.

I called the manufacturer, and they contacted Assurant solutions and included me in the conference call. Cynthia, from Assurant, then confirmed that Assurant is responsible for the warranty and offered to help. Cynthia then put me on hold, the representative from the manufacturer then hung up the phone, and when Cynthia came back on the line she told me that they would not be able to help me. The technician reported that the screen was cracked and the plan I had purchased did not cover accidental damage. I told her that this was not accidental damage. The tv was not harmed or damaged in any way by us. There was something faulty in the television that caused us to lose the picture and the unit overheated causing the crack. She kept insisting that it didn't matter how the crack got there, or what caused it...the fact that it was cracked at all placed it under the category of accidental damage and we were not covered.

Again I asked that another technician be sent to us. Any experienced technician who looks at the tv properly would be able to inform them that no accident caused the damage, and that there was something faulty or defective in the tv which caused the problem. She insisted that any crack in the tv, regardless of the cause, even if the wiring or other components of the tv were faulty and caused the crack, that they would do absolutely nothing to help.

My cousin applied for a health insurance- Assurant called and ask for $20 payment for application. My cousin being new to the country asked for help and I gave my Atm. A day later I went to the bank and was trying to withdraw some money and to my shock I was 700 off. the teller notified me that there was a deduction from Assurant insurance- we called the company and we were told my cousin was approved and that payment was deducted from the account- I am so mad but what can i do?

I have, soon to be had, a short-term heath insurance policy with Assurant Health. I went to the doctor who monitors my treatable high blood pressure, and was surprised when the Lab work was completely disallowed as a pre-existing condition. So rather than paying the discounted lab fees that an insuranced individual pays, I am paying the same rate as an uninsured individual. Which brings up the question, what is an Assurant Health policy for? They cover nothing.

I called my Insurance Agent, explained what was happening, and he agreed I basically have no coverage at this point.

I called Assurant Health, who offered to cancel my policy for me if I wasn't satisfied with what they aren't doing for me. I have my agent looking for another policy, hopefully a real policy, before canceling my Assurant Non-Health Care Policy. This company is a joke.

Beware of Assurant Health! Before you write off all the complaints you see on Assurant Health, pick up a copy of the March 16, 2009 issue of TIME magazine and read the article The Health CAre Crisis Hits Home. This article clearly describes how Assurant Health is ripping off consumers! Don't waste your money with these rip off artists!

Assurant health are nothing but con artist! It all began when the price they quoted me for health insurance for my husband and I went up like 50 bucks. I called to cancel and told them to stop any further drafts coming out of my account. I was told by a woman named Shirley that no other fees would come out of my act. Well a week later they attempted to hit my act. twice for my monthly bill. This caused $235.00 in overdrafts fees.

Well when I complained and submitted proof by fax they wrote me a letter stating that I was not going to be reimbursed because they sent me a letter telling me that the fees would still come out two more times even though I canceled. Well that was not only unfair but they also sent this rip off letter to the wrong address! So you would think that they would then see their mistakes right? Well I am still waiting and have not even received a call.

Well in addition to that they sent me a $130.30 check as a prorated balance when I canceled my insurance. And guess what? The check bounced!! Costing me a $10.00 bounced check fee, another $175.00 in NSF fees, and $180.00 of my own money to cover the fees!!! A total of $730.00 and not one doctors visit! Well I have submitted my bank statements as proof and they have not responded. I urge you unless you have money to throw away and you could use the aggravation do not do ANY TYPE of business with this company. Their employees are not trained, rude and the company does not take responsibility for their mistakes!

As a result we may not be able to close on our dream home because part of our requirements for qualifying is that we do not have any NSF fees on our accounts in the last 60 days. Well because of Assurant Health we now have 14 just since 1-09. And they refuse to take responsibility. This has been a disaster!! It has hurt my three precious innocent children who want a home so bad, so they can have a yard to play in and a puppy. Furthermore we still do not have health insurance. And we have had to dig in our saving twice to cover their mistakes on our account. I again urge you to stay away from them. If you see their logo online DO NOT CLICK ON IT! If they send you something in the mail trying to gain your business THROW IT AWAY!

They sold me a health policy for myself and my wife for about $170 per month. It was to take care of medical bills, hospital bills with a yearly deductible of $2500. When I had a problem with a knee, it was later found out that they would not pay anything other than the amount of my premiums. I was faced with bills in excess of $25,000 that Assurant would not pay! (Time Warner owned them in 2006.) State of Florida would not do anything about it stating that they were not licensed in Florida even though the agency was in Orlando, FL. This company is a big SCAM!!!

Even though my claims were valid, they would not pay, Florida Attorney General's office would not intervene, and I had my credit ruined because of Assurant! I hope that everyone hears about my problems with Assurant and doesn't do business with a company that is so irresponsible!

I purchased a Sony VAIO laptop from a Compusa store back in 2006. In additon, I purchased a 3 year exended warranty. My battery has recently expired and called to request a new one which should be covered in my plan. The laptop was purchased 3/11/2006. I called to request the battery on 2/26.2009. The assurant reps could not locate any record of my purchase and requested that I fax them a copy of the original receipt. I faxed them a copy but still they have not been able to accomodate my request and is still saying that they have no record of my purchase.

This computer has been services twice prior; a disk crash in 2007 and display problem in 2008...so for them to say that they have no record is just amazing to me. I have seven times since the first call and have made no progress. I've paid for a three-year warranty and am entitled to my battery for my laptop. I was told to fax the original receipt with the following information: Attention: Data Entry, Incident number 12994078 and my name. I was told to give them up to 5 business days to retrieve the fax. It was first faxed on tuesday 3/2/2009 My follow-up call was on 3/9/2009 and I spoke with Cody (#6070). He again said that no fax was received and asked that I fax the receipt again and call back. I faxed 4 copies that same night.

I called again on 3/12 and spoke with Cynthia but her computer was down and could not work with me,however she asked me to immediately call back and another agent should be available to assist. I called back twice and only Cynthia answered both times! She tried to assist however but could not provide much due to computers being down.

I have an Accidental Medical Expense Rider on my health insurance policy. It pays the first $1000 of my deductible if the injury/illness I'm suffering from is caused by an accident. The only restrictions are that the injury/illness be caused by an accident, the policy is in force at the time of the accident, and treatment be sought within 90 days of the accident. All criteria have been met and there still has been no resolution. This all happened in October of 2006 and it is now April of 2008

I now have medical bills in collections, I have negative information on my credit report. I cannot afford to pay the remaining bills since I had to take so much time off of work to heal. I am self employed so there is no one to go after to pay for thing due to my on the job injury.

I signed up for a 3 month TEMPORARY insurance plan. After 3 months I realized they were still billing me. I called, and they told me to fax in a cancellation on my account. I faxed it in, and they billed me again. I called again, and this time somebody answered (on a normal, Monday afternoon) and said everybody was out of the office. She had to take a message, and they would get back to me in 48 hours. Called again a week later, told me they never received the fax. They will do everything they can to keep billing you.

Give their phone number a try....When I called their number each time, it asks you to enter your social security or your insurance number to identify you; no matter what I entered, it said it couldn't find it on file and keeps saying let's try this again. Even when you don't enter anything on the phone, it says let's try this again, please enter your.... It takes about 10 minutes before it finally goes to the operator. This is because they hope people will think, "Oh well, maybe they won't bill me again because I must be out of the system if they can't find my information...but no...they WILL bill you again. This is a scam; don't fall for it.

Scammed me out of $500.

I have a credit card with Bank of America. Noticed I was being billed for CG at $0.518 per $100.00 (insurance that pays your monthly bill if one becomes unemployed, etc.)

I never signed up for this program. Didn't talk to a telemarketer about CG. The product was added to my account through telemarketing slamming. TM needs to meet a quota; TM enters new customer without assent.

I wrote to Bank of America and called Assurant twice to have the fradulant charge removed from my account. B of A wrote me back and told me they had nothing to do with CG. Call Assurant. I used to be in the business. B of A turns Assurant TMs loose on its customer base and is paid for this.

Assurant took my name, account number, etc. twice; assured me that the CG would be removed; and promised to refund to me all the CG fees I have paid so far.

These promises were not kept. The fees continued to be billed to my account.

Why did we move from a regulated banking system to a free for all maket where customers may be regularly abused without, apparently, any consumer protection oversight?

I have a mortage with Waterfield Mortage Company. While reviewing my quarterly statement, I found out that I was also being charged $10.95 for Health Insurance. My wife contacted Waterfield just to find out what health care benefits were covered. However, the person on the telephone could not explain benefits, and instructed her to contact the Insurance Company(Assurant Group, Miami,FL.).

Upon reaching that Insurance Company, I was informed that they, Assurant Group, were carrying me for Dental, and Eye wear. I informed them that I had never authorized this health care. And, particularly I take issue with it being associated with my Mortage. Assurant Group told me that it has been in effect since 1998. I never authorized this! My wife and I have excellent health and dental insurance benefits from our employment.I have asked them to discontinue this insurance, and have asked that they have a Supervisor contact me to discuss this. What are my options?

I have yet to figure out the unnecessary financial cost that were incurred.

My parents have had a Discover Credit Card for years in holding the card they have also had the life and disability insurance on this account. On December 26th 2003 my Father passed from a heart attack. I contacted Discover card and got the usual condolences but they also advised that they would be processing the CREDIT SAFE PLUS insurance policy. Discover was wonderful in the help they gave and the manner in which this was handled by there department. Unfortunatly they had to turn it over to the company that handles the insurance and that is were all the problems begin.

Discover Card assured me that the insurance for which my parents had been paying all this time would cover not only the primary but also the joint card holders. Well the Insurance group ASSURANT GROUP, is saying that the policy has changed and that is no longer the case so they are denying the claim we have filed in behalf of my father.

My parents have paid $.88.1 Cents per 100 on the balance of there account as long as they have had it ... like I said before years. They are now denying this claim because they say the plan changed. I have a copy of the plan from the products and services page of the Discover Web Site somethign Discover told me to go and get a copy of, this information has a date of 2002 Discover Bank on it and was printed off on the 15th day of March 2004. According to the Assurant Group the plan changed in 2002 but it has never changed with the Discover people. Until just recently.

When my father passed it was very unexpected and to our surprise he had no insurance as he had cancelled it years before while my parents were divorced. Mother had no idea that this plan had been cancelled when they remarried and found out after my fathers passing. This has left Mother in a financial hardplace, but this Insurance was paid on this card and the bill was not deliquent nor was it an outrageous amount. The Master policy on the Insurance covers to $10,000 the amount owed is less than $1000, but now they say they will not take care of this bill. I personally have been in contact with several claim agents of both Discover and Assurant. Discover is in agreement that this is something to be taken care of and Assurant is determined to deny this bill.

This complaint actually concerns my 73 year old mother. She suffered a stroke in February, 2004. Since she can not take care of her personal business anymore, I was making an honest effort to see that her bill were taken care of. I contacted Bank One in order to let them know of the situation and was quickly informed that because I did not possess a power of attorney for my mother they could not discuss her account with me. I thanked them for thier time. I also noticed on her monthly statements that she was paying for credit proctector insurance and the telephone number for the insurance company was listed. I contacted the Assurant Group.

The first representative that I spoke with tried to be very helpful; however, there was no record of my mother's account. When I questioned the charges for the premiums that appeared on her statement, I was told that the account had to be researched and that someone would get back in touch with me. A day or two later, I received a telephone call from a claims representative stating that they had not found my mothers account, but they would send me a claim form for me to complete and send to them.

I recieved the claim form, completed the claim form and attached a letter from my mother's physcisian stating her illness and that she was disabled. On March 27, 2004, I received a letter addressed to my mother stating that she did not have coverage because the she was over 66 years of age. My mother was sold this insurance by a telemarketer and has never received any documentation regarding coverage. However, she has paid her premiums every month as required. I have written a letter to the credit card company (Bank One) and sent the insurance group a copy. There will be no payments made on the account until the situation has been settled and I will take further legal action if necessary. What they have done constitutes fraud and they have taken advantage of an elderly person. I will contact my states insurance commission as well as my state representatives. I believe in free enterprise, but not in taking advantage of the elderly or the disabled.

I received a charge on my Credit Card for Personal Credit Protector and after calling to cancel future charges was told I needed to call back in 24 hours because my account went into storage when I called and takes that long to open again. I questioned the ability to charge my account when the account was in styorage and Cliff told me that the credit card company billed me and they have nothing to do with it. The credit card company told me that they were billed by the insurance company.

Someone needs to review this and see if they are colluding to gain money without permission or just forcing people to take insurance whether they request it or not.
The credit card company does not have records and the insurance company can't provide information. I cancelled my credit card and will report this to additional agencies.

I can not continue to do business with companies that work with non-responsive and possible criminal actions so I cancelled my account and need to pay the account in full. I will borrow money elsewhere to pay off this debt.

Damages are loss of credit the dealer has reported to equifax late payments therefore not being to achieve credit for seven years. I now have no vehicle to get to therapy therefore the injury is just going to get worse, I' am going to have to go to my family for some kind of assistance for transportation. I feel this is a issue that it is time for a lawsuit.

On 11/2/2001, I was downsized from my job. That same day, I notified my credit card companies that I would need to implement the credit insurance for unemployment that I had been purchasing over the course of the prior two and a half years.

I had been paying for this coverage through both my Discover Card and my Chase Visa Card, and the insurance company is Assurant Group for each.

I put in my claims with Assurant Group and after close to two months of back-and-forth nonsense, they finally began paying.

As my unemployment continued, so did my need for the claims, and so I continued filing the exact same forms with the exact same information month after month to the exact same addresses. On an almost monthly basis, either the forms were not processed in a timely manner or the claim was refused because the date on the copy of the unemployment check was not in the acceptable range (note that despite REPEATED phone calls on my part, it was never made clear what exactly the accepted range was), and thus payments were made late or not at all.

More phone calls to Assurant, more aggravation and CONSIDERABLE emotional distress on my part. The late payments on their part continue to this day.

And the best is yet to come ... at the end of this year, Assurant Group will send me a 1099 for all the money they paid out on my claims. The only thing I will be able to deduct against this is whatever premiums were paid THIS YEAR. The previous two and a half years of outrageous premiums will not count towards this, nor will the damage that has been done to my credit rating through no fault of my own.

Initially, I was able to contact both Discover and Chase Manhattan and have the late charges removed and the APR set back to a semi-reasonable rate, after explaining the situation. Unfortunately for me, they have only so much good will to go around.

The APRs have been increased to loan-shark levels and I can no longer have the late charges removed. My credit report will be impacted negatively because of this.

Emotionally, I have been the proverbial basket case. Yes, I have a lot of debt, but until this episode, I had NEVER missed a payment, never been late on a payment and almost always paid more than the minimum. I have consistently lost sleep over this knowing full well that my credit rating has gone down the drain.

This company plays a little game. I have a contract with them to pay my Discover Card payment while I am unemployed. As soon as I receive my unemployment checks I copy and send to them as prove. They receive them within 4-5 days (mail time)after I receive them. They will send me back a form letter saying they need more information and won't pay the monthly bill on time. I am charged a $35 late fee by Discover.

Since my monthy payment is approx. $90 and the premium is approx $20 they in effect pay $45. The charge on my card says creditsafe and thats how it was sold to me, as a way of keeping your credit rating safe. However if they pay late then my credit rating is being hurt. I called and talked to a representitive and then asked for a supervisor. I asked for her name and she said Nicole L. I asked for her complete name and she said that she would not tell me her last name. (I guess she is afraid of being named in a warrant.)

On July 30 I asked her if they were going to pay the 8/2/02 due payment. She said that the last checks (7/6/02 & 7/13/02) were too old. I told her that my 7/20/02 and 7/27/02 checks would not arrive at my home until 8/2/02. She said I would need to mail copies of the 7/20/02 and 7/27/02 checks no earlier then 8/8/02. I pointed out that 8/8/02 and then another week for them to process would mean my payment would be late again (July was paid late) and that I would incur another $35 late fee. She said there is nothing they can do about that and that they do not know the due date of the bill.

Altough they say they have nothing to do with Discover they represent themselves to be Discover as the phone message at their office says Discover Card credit protection and their envelops have Discover printed on the side. Basically they want copies of unemployment checks dated before the due date of the payment due. This is physically impossible as unemployment benefits are paid for weeks expired, and not in advance. Nicole L. said that the only way they would pay th 8/2/02 bill was for me to send copies of checks I would receive on 8/2/02 after 8/8/02. This is an impossible condition and in insurance I believe this is fraud.

I have had to contact Discover and Assurant and ha had a frustrating experience. They act as if they don't even know each other when they are partners in this. (Discover collects the premium, Assurant uses the Discover name.) How can Assurant protect my credit rating if they don't know ( and say they can't find out) the due date of the bill? As I have enough to worry about trying to find a new job and keep my home and family together duing this time, I do not need this aggrevation. I have a heart condition and suffer Angina when trying to deal with this situation.

American Bankers was responsible for making payments to my credit card accounts for the 5 1/2 months that I was unemployed. I was given the run around about getting each/all of the claims started being told to submit paperwork that I had to submit only about 5 or six different times. When they finally started making payments, they made them in lump sum payments to cover 2 or 3 months at a time. Anyone who knows anything at all about credit as they should as well knows that accounts are to be paid on monthly and not quarterly.

As result of thier delayed/delinquent payment schedules I have lost charging priviledges with one creditor. I did everything in my power and succeeded in providing them with the information that they needed every month for these claims only to end up delinquent and in bad credit standing. I have no words for thier business practices. It is my wish that they are either repremanded for thier actions or turn thier clients over to a company who cares.

Denied credit in store at the counter before about 20 people attempting to make a Mother's day purchase that I never accomplished. I was sent to the back of the store to speak to a credit representative to be told that I was on suspension with my credit card due to missed or partial payment.

We recently began receiving correspondence from the Assurant Group stating that had processed a cancellation for my fathers account. We received 3 letters on the same day with charges dated back to 2/2002. My father died on April 18, 2002, and unbeknownst to us we paid off his account prior to his death, without knowledge of any possible insurance coverage.

Upon further inquiry the company stated that my 72 year old father had death insurance, however, on 1/25/00 it was cancelled due to his age. They continued however to charge him loss of income coverage, when in fact he had not been employeed in 20 years and was retired. I feel this company's dealings should be thoroughly investigated.

My husband, who has been disabled since 1982 and unable to work, had disability protection for the credit card he carried. He supposedly signed up for it with a telemarketer on July 18, 1994 at 4:06 pm (per the Insurance Company's computer records, but no tape on file). He does not remember signing up for this, nor does he remember ever receiving any paperwork for this plan. They have been charging him .79 cents per 100 of charges for the past 7 years amounting to $1,289.88. He, not being savvy to these types of things, thought that the charge was mandatory from the credit card company to protect them because of his disability.

I became involved recently when I married this man and joined him on this credit card. I called Assurant Group and talked to a variety of people from Customer Service and Claim Reviewers. I got many different answers and attitudes.

I was told that this was primarly a disability policy that had a 6 month pre-existing condition clause. And it would cover the minimum payment for up to 12 months or up to $15,000. It also had life insurance component. They don't check health status, nor do they check to determine if the customer is on disability. I asked them how could they charge a person who is on disability a premium for a disability policy that they can't use. Assurant Group explained that it wouldn't cover the pre-existing condition, but if the customer had another disability this insurance would kick in. In my eyes, a disability is a disability. My husband has not worked since 1982 when the accident happened. He has only received Social Security Income. How can this policy protect him from unemployment due to disability if he is already unemployed due to disability?

I posed this question to a few of the people I talked to and some agreed that this does not make sense. Others stated that, although he could not use the disability portion of this plan, he is covered for life insurance. Then, they tried to throw in the fact now that I am on the credit card I am protected. I explained to them that I did not need this protection and I am already well-insured. I was able to cancel any further deductions from our MBNA Mastercard. However, I stated to them that I was quite upset that they have been accepting a premium on something that Richard could not technically receive benefit from. I requested that they resolve this matter fairly by one of two means:

1) Apply the 6-month pre-existing clause at any point within the past 20 years, since he has been disabled and unable to work, and pay as the policy states (minimum payment for 12 months or up to $15,000); or

2) Refund his premiums of $1,289.88 and call it a mistake as if he never was covered under this plan.

I heard from some people that this was possible and others that this was absolutely impossible. I heard from the Claim Reviewer that they would not cover this disability because it was a pre-existing condition and he would have had to had another disability to have the plan kick in. I, again, pointed out that if someone is unemployed because of disability, they cannot become more unemployed because of another disability. I am furious that they took his money for all these years when he only had disability income of about $500/month and he did not qualify for this plan.

He has lost $1,289.88.

I have gotten nowhere with Assurant Group. I am about ready to call Bruce Camacho, President/CEO in Atlanta and plead my case.

I have researched this company and see that a Class Action lawsuit was filed in New York with American Bankers (an Affiliate)for this credit card protection plan and denials of claims. A hearing was held in January, 2001. The ability to join the suit does not exist due to the fact that we are not in New York and the deadline has elapsed.