Voya Financial Reviews

I just tried to contact them to change my address. They required a pin code that I never got. When I tried to set it up it failed. Then I sat on the phone for over 30 minutes just to get a simple change done. When I finally got someone they told me I needed a pin code or I couldn't do anything. They were unwilling to help in any way. They did provide a fax number, but that was about it. I suggest you avoid this company. They definitely don't know what they are doing.

For any existing or future customers - Avoid Voya Financials for your retirement or any other financial services. They have made mistake on my 401K account while attempting to roll it over to another account. They cut the check on my balance even though the agreement with the customer service rep was to wait till the issue in question is resolved. They not only did not wait to get the right instructions, they cut the check and did not know how much of the balance was taxable and how much was tax-free on a transaction they have initiated. They then said they'd search this issue and get back to me. I have been waiting on their findings for over 2 weeks with no resolution, meanwhile losing on potential gains on my 401 funds they prematurely cut a check for. They don't take appropriate measure to resolve nor do they take initiative to correct the mistakes they make. Horrible company! Save yourself the misery and avoid Voya Financial for good!!!

I've read majority of the reviews on here and I have not experienced any issues with Voya. I called to request funds and I was told 5 to 7 business days I would receive my check. They mailed my check, which arrived within 7 business days.

The good news is that I've only been allocating $7/month to this fraud. They denied my claim to cover medical bills, related to the accident. I am enrolled into accident insurance with them and I wish I did my homework and researched this company prior signing up for this service, offered by my employer. Never again. Money is gone though.

Requested funds from my account on 12/23/2019. Should only take 3-5 days. After a couple of weeks I have called Voya several times. Voya only has excuses but I still DO NOT HAVE MY FUNDS. Was told another 3-5 days!!!

I was injured at work and the workers comp forced me to quit with a settlement. I called to terminate my 401k because it was only 724 dollars in it and wasn't worth rolling over into another product. I was told it would cost 175 dollars to terminate. I said ok. The remaining amount was 549. Then they said I would have to pay taxes on it as well and the final amount that would be mailed to me would be 414 dollars. I said ok. It took them 3 business days to process the request. The check came in the mail and was only 280.85. I called to see what the rather large discrepancy was and was told that the value of my 401k must have dropped over that 3 day processing period and that's why my check was so much lower than they told me I would be receiving. I not sure I believe that explanation.

My mother had her money with Voya. Months after she passed away I sent in her death certificate. I was told I needed to send in more paperwork of which I would have to hire a lawyer to get. The cost of hiring a lawyer far exceeded the $6,000.00 or so dollars that was in the account. Losing mom was hard enough but watching a corporation steal from the survivors, what words are their for that? My suggestion if it were possible to my mom would be to make sure her I's were dotted and t's were crossed if she wanted it to go where she wanted.

New York City decided to switch the deferred compensation funds of its employees from FASCORE to VOYA FINANCIAL. This happened in November 2019. It is now a big mess. Under FASCORE, there was excellent customer service, quick and efficient processing of requests, and expeditious delivery. Now, no one knows what’s going on with distribution requests. The wait time to speak to someone on the phone is more than two hours, and in the office it’s a half a day. The worst is that when you call, no one can really give you any information. It’s a runaround for your hard earned money. Those are billions dollars funds of employees and retirees that are being managed by an incompetent firm. Even though it’s your hard earned money, they make you feel like they are doing you a favor. This must go to the media. Legal action is needed!

I am a NYC public school teacher. City offered a plan 457 to save more money for one's pension. I participated in this plan for several years, saved there some money. It was easy to navigate their site or to call them for help. Suddenly city decided to switch to VOYA Financial. No phone calls accepted, no emails communication services are offered. Market is going up but my money are disappearing. Funds that they offer are impossible to investigate, no chance to talk to someone. Who do I complain? This company is a fraud. It seems that someone in the City is stealing money this way.

We have moved several accounts from Voya to Fidelity. Voya charged us a transfer fee along with the yearly maintenance fee, and then a "termination" fee on top of that. Thankfully Fidelity picked up the fees on those accounts. Most recently, we asked for the remaining balance of our daughter's educational savings account to be distributed to us so that we could pay tuition. Voya charged us a maintenance fee and a termination fee when they distributed the money which amounted to nearly 2%. That wasn't exactly what we were planning on when we set up a college savings plan. We've had accounts at Fidelity, Vanguard, Schwab, and E-Trade. Nowhere else have we seen these kinds of fees. We were put into the Voya accounts only because our financial planner used them. If you are considering using an independent financial planner, I would stay clear of those who use Voya.

I have accident insurance through my employer with Voya. I had an accident and did everything asked. I got the information and faxed everything they asked for.. I have called 5 or 6 times and keep being told everything looks good they will get to it. Making me wonder if Voya is a bogus company. ave your money do not waste it on them. The information has been sitting there and no one has touched it and has been 12-13 days. Every time I call they tell me they will make a note. I am wondering if they are a bogus company, save your money, poor customer service.

Every time I submit an accident claim, it has YET to be processed timely. They claim to have a 10-12 business day processing timeframe but each of my claims have ALWAYS taken close to 30 days for SIMPLE items like a broken bone. If I could give Voya 0 stars I would. Further, their claims payouts are among the lowest in the industry. Aflac and Colonial Life are SIGNIFICANTLY better than Voya.

When I retired my funds were funds were sent to VOYA by my employer. It has truly been a terrible experience. EVERY time I request a withdrawal there is an issue. In addition to it taking 15-20 days to get my money, papers are lost or something was not completed correctly. This time I was rolling over some funds from VOYA to Schwab. I made sure everything was in order by checking with ReliaStar before I sent them.

I received my account with Voya through a divorce QDRO process. I have faxed in a withdrawal request twice with this company and BOTH times, they have either lost my paperwork 3-4 times or they take FOREVER to do the withdrawal. They even gave me a tracking number for the check they sent me and you know how if the tracking # is just generated, it will just say label created? I swear to God, the package sat on someone's desk for 3 days without it even being mailed. I had to call up there for the 4th time and tell someone to be accountable for my package and then, it finally got sent out. Now, I'm on my second withdrawal request and my last as this is the last of the money that is in the account.

I worked for a hospital that offered 403b trough Voya. After 12 years working I was laid off. At the time I was laid off I was had restrictions due to a car accident I suffered while still employed. It was a domino effect. I couldn't find a job on my field due to the physical restrictions. Soon after I separated from my wife I sold most of my tools. A couple of cars I had. The rest I put them in a storage. I called Oct 29 2019 and requested that I needed to cash out. The Voya representative did the transaction and explained that one account I had to fill a form but one I can withdraw and it will take one day for the transaction and 5-7 business days to get my first check and explained my situation if I didn't pay the rent I was going to be homeless plus my storage fee.

I have been trying to access my 401K account through the Voya online website and I kept getting an error message. I called November 4, 2019 and spoke to a rep named Keith who said my date of birth did not match what they had in their system. He told me to fax over my driver's license and it would take up to 2 business days to update in their system. I called Voya November 6 to make sure they received my fax, which I have the fax confirmation in case they said no, and the rep said they received it and it was STILL in process. All I need is my retirement statement. So I called November 8 and asked to speak to a manager. Rondrell whom answered stated she was a manager. Rondrell tells me she sees notes in their computer of my date of birth issue. Then Rondrell tells me she will send me a PIN by overnighter with UPS and someone had to sign for this delivery on November 12, 2019, 8am to 5pm.

Seasoned investor stay away from this firm. Not only will you not make market returns you will also pay the highest fees I have ever seen. Inherited an IRA and was shocked with the dismal returns for the past 10 years in a bull market. I used their trading desk to execute a stock trade to place holdings in cash. Their fee was $45 dollars for one trade. Then on top of that when you you transfer your money they charge you another $35 for the pleasure of returning your money to you. And just a side note when these investments were bought there was a 4% upfront fee just to buy less than stellar investments. In this 200k account that's $8000 dollars gone in then a day. Good Luck if you decide to do business with this firm. You're going to need it.

Unfortunately, my employer involuntarily enrolls its employees in retirement plans with Voya. On/about October 18, 2019, I called Voya to request a loan from my retirement plan. The representative told me they needed to send me a pin because they cannot process transactions over the phone and/or send me the paperwork needed to request said transaction. He told me I could also log in online without the pin (just use my DOB and SSN). However, the website would not allow me to use my DOB and/or SSN. So, I had to call back and speak with a supervisor, who, told me Voya did not have an exception to policy and/or faster process for hardship situations, but that he would put a rush on my request for a pin.

One word "pathetic". Do not do business with these people. As many others have stated, as soon as you need to make any kind of withdrawal, they immediately come up with every excuse possible to not give you your money. I have an account there for 9 years. I had a financial emergency and Completed all the crazy paperwork which is ridiculous, but I faxed it in, and just like that everything ground to a halt. You need a signature here, you need a date there, etc. Went on and on. When talking to customer service they obviously didn't care. I petitioned the money on 8/22. It's 4 weeks later and they still don't have a date as to when I can expect the check. It's my money! Why do I have to jump through hoops for my money?

I requested a termination withdrawal in June, and was told I couldn't get it until August. I requested again in August and was told the request was required prior to July 31. Now it's October and I log in to make a request and cannot access my account online because I changed my cell number and it wants to "verify" me using ONLY sms text. I cannot even request email verification. I cannot change anything over the phone because I need my verification PIN which is found in My Profile - in an account I cannot access, which I can't make changes to without a PIN, which is in my Profile, etc. Horrible financial institution.

I requested a hardship withdrawal from my 401K because I had no other place to get the money to handle my hardship. I sent them the medical bills requested and had to send updated ones and this took two weeks to process my request. I had to jump through so many hoops. After I satisfied the documentation request a "third party consultant" had to approve it, then my employer had to approve it. After all that, they did not even expedite it by FedEx as I requested. I waited three days and when I called to check on it was told that I had to wait until 8 days because, even though I paid $50 to have it sent by FedEx, they did not do it. Beyond frustrated. I'm thinking I could put that money in a regular savings account and a Roth IRA and do better. It's my own money. I should be able to borrow (which I can't) or withdraw it. They're going to charge a penalty anyway.

Called and texted about a transaction, got different answers. Called the following day and got another different answer. This went on for 5 business days. Finally today 9-27-19 I was told it would to next Friday to complete my transaction. Basically over 2 1/2 weeks from my first interaction. I'm beyond frustrated.

My husband and I tried cashing out his 401k and every time we called and talked to a rep that asked for his social then hung up. Before that they told him nothing was in it so they transferred him to the appropriate dept. After giving us the runaround and hanging up on us every time we called, not once did we ever actually get to talk to anyone. ** scammers. ** you VOYA. Karma is a ** and that ** is real, you don't treat hard working ** like this. That's why your company will never truly succeed or grow because all you do is ** people. That's exactly why y'all are outside of Texas because we don't put up that ** down south. XOXO

Beyond the excessive fees charged for simple requests, the customer service and website interface was very poor in my opinion. Customer service representatives were rude and argumentative over the phone, emails were not answered, and something simple such as a change of address could not be completed via the online platform. I do not recommend opening an account with this business.

I have been waiting on my distribution for 5 months now and every week I call there is a different excuse of why they haven't sent me my money that I put in from my paychecks. The latest excuse was because they're doing an audit and it can take a few weeks. This was 3 months ago and still no money or call about what is going on. It's to the point now that I had to hire a lawyer and get proof of this audit because it seems I'm not the only one who is having this problem. They are known for using an audit as an excuse and holding off as long as possible to give your money.

I simply wanted to withdraw my money because I had another account with 2.32%. This company's website design is probably designed intentionally to make people give up and quit. The withdraw request requires either faxing, printing and faxing, or waiting for a letter they mail you. It is 2019, they never heard of email? I'm hoping these non-communicative people respond and I can transfer my money to the better company.

I was hired by January 2019 and I left my Organization by June 2019. My employer enrolled me into Voya Retirement and by the time I left my Organization I had a USD 370.83 balance. I requested to withdraw my balance of USD 370.83 and after deduct USD 81.59 in taxes it was showing USD 289.24 would be mailed to my address in 5 to 7 business days. More than 10 business days passed and I called customer service to ask for feedback. I found out it took a whole week to process my check, and other than that it was charged a Fee Fee of more than USD 100.00 to close my account... Be aware of the Fee Fee not disclosed by the time you agree and request the withdraw.

I signed up for short term dis. when I got hired in Feb 2019 and then in March my doctor found a cyst in my chest around my heart. Well I had surgery on Wed. Aug 14th 2019 and Voya declined to pay my short term cause they say it's a pre excisting injury. The management team Rene and Julie are some of the rudest people I have ever dealt with. They wouldn't return calls and they tell me they will email me paperwork and I have to leave messages just to get said paperwork. The company is a scam and is after money and will not help anyone out.

Stay away from this company if they are managing your 401k account by either asking your company to switch to a different investment management company or roll all your money into a roth IRA account before the money is evaporated into smoke as all the money in the 401k account will be slowly siphoned off by Voya as they keep taking 2% of the money in the 401k account and pay themselves fat as management fee.

I requested a partial payout of my IRA being under the age of 59 1/2. After some short disclosures and information to make the payout I was given an estimated wait of 7-10 days. I received my check in 5 business days. Well done. Some of the other reviews were not positive but my experience was entirely good.

Voya takes customer service to new lows. They are the chosen retirement plan custodian for a former employer, and I have been fighting them for two months to get my money rolled over to my brokerage. It is a game of a thousand hurdles, handled one phone call at-a-time. First, they need a letter of acceptance from the recipient institution (it's Charles Schwab, BTW -- a reasonably well-known company, even for the bozos at Voya). Fine. Schwab can generate one for me online. Ah, but that letter needs to be signed -- hand-signed, mind you; in 2019 -- even though it has my Schwab account info on it, and my signatures are all over the Voya transfer request docs. So, off to a Schwab branch to bother some poor soul with this nonsense.

After my 93 year old parents died (5 months apart) we contacted Voya with death certificates, etc. Many forms later (something on our end was always missing apparently) and trying to get account info from Jacksonville, FL or Windsor, CT agents the process was a true nightmare. The executor, my brother, was stone walled every time he called and this lasted for 10 months. Finally with our attorney on a conference call we found an agent who listened to us and followed through. Prior to this one agent hung up on us, others couldn't find the account, one told us she was on maternity leave and had just returned to work and couldn't help us. I was in tears on the phone more than once believe me.

Husband got total of 4 checks, and now because he went back to work early because what they pay out is a joke and you cannot pay your monthly bills with it, they tell us now we owe more than half back! How is this possible when someone is out of works 4 weeks and 4 checks, and you got to pay back more than half back! Rip off artists. Don't use them if possible!

I would caution anyone to consider using Voya for your life insurance. Working with the death claims department after my dad's death in January has been a nightmare. Every time I call I get a different response from each representative. Sometimes all our paperwork is complete, at other times pieces are missing. Consistent communication is non-exsistent.

I cashed in my NY Life Whole Life (Permanent) Policy within just a few years of it being fully paid off (shame on me for not asking more questions of both Agents). I bought a Universal Life Policy from Voya because of the opportunity as well as the flexibility. As a small business owner, I know I will have ups and downs in my business. Opportunity never occurred. Never saw increases even guaranteed 3-6%. Flexibility never occurred and they refused my premiums because they were "late" even though the amount and date had been provided to me by telephone by their representative. I lost my $106,000 investment overnight with no help from anyone. I submitted a complaint to the AZ Attorney General's Office but they buried them in documentation which made me look like it was my 'error' so they dismissed the complaint.

This review is based on my experiences with Voya, who I think is contracted by the Michigan Office of Retirement Services. First, it would be nice, and at this point a small miracle, to actually receive a call back. This department had at least 5 different opportunities to do so but NEVER followed through. It appears no one is able to speak directly with each other. They can only submit requests from each other that takes 24-48 HOURS! Talk about inefficient! The representatives on the phone also don't have a direct line to the processing department so their help is limited though they were always kind and polite. The processing department seems to hold all the answers but they are clouded in secrecy. From my understanding, there is no way to contact them directly. They are surrounded by an impenetrable force of apathy.

I got a letter from Voya with a policy number. One for my mom and one for my dad. Got the run around. Couldn't tell me anything. Well filled out all the paper work, got death certificates and fax to them. They told me today that it was a 20 year pay off. Stated 1973 and paid off in 1993. My dad died 19 years ago and my mom 3 years ago. And just like everybody else I have got the run around really bad. This started April 23rd this year. But what got my was that they are trying to tell me that these are only good for 500 dollars each. Somewhere I just don't believe that.

I have been trying for over A YEAR to get Voya to hand over my late spouse's retirement funds, held and managed through the School of the Art Institute of Chicago. First Voya denied holding them. Probate proved that they did. After two requests, they finally sent paperwork. At this point, I've been dealing with receiving benefits for other institutions for some time now, so I know what I am doing. Every step of the way they find something wrong--something they didn't provide, etc. I finally, finally receive in the mail news that they have set up a fund for me. Lovely, I requested a check, but whatever. I go to their web-site -- and of course it's down. Phone call this morning: they deny holding the funds. Guess I'm gonna need another lawyer....

I had my employee 401K with Voya for a number of years, and decided to try their "Professional Management" service. What a costly mistake. By simply changing the retirement date on my profile page from 4 years out to 1 year out, their "Professional Management" software automatically sold over $200,000 worth of stock at a $39,000 loss (on 12/24/18 - the day that it tanked but recovered its value the very next day 12/25/18), and purchased bonds/index funds with it. All without my knowledge or as much as a phone call. When I questioned this, a manager actually apologized, and (stammeringly) told me that their "Professional Management" is basically a web page that gathers all the data you input, then uses an algorithm to determine the course of action to take, and changing my retirement date to a year away, triggered the sell off. Needless to say, I have moved my 401K funds elsewhere.

I've been enrolled into this automatically when I started working in education. I've talked to someone from the Human Resources department at my place of employment to discuss me having access to the money in case I find myself unemployed, laid off, etc. She told me that within 6 months, I can access it through withdrawals on the website. It can be an emergency withdrawal or another, but in order to do either, I must provide documents that are requested for that given plan.

I have requested my 401k rollover check THREE times in the last 13 months. I've called 7 times and waited the 4-6 weeks in between each phone call before following up (per their request). FINALLY, TODAY, they said "oh, darn, I see what's happening now, our bad, we'll escalate this to a higher up and get your check mailed to you in 3-5 days." HA. We'll see if it shows up. Who loses here? Not VOYA. ME. THE S&P has grown 10% since these idiots said they would mail me my stupid check and what has my 401K grown? NOTHING. I feel like hiring a lawyer and suing. They have the money. IF YOU HAVE A CHOICE OF PROVIDER, DON'T USE THEM! THEY ARE CROOKS.

One year and 8 months ago, we annuitized our policy with Voya, filling out the paperwork to ensure that Federal Taxes were withheld from the monthly check. Voya failed to do this and we have made countless telephone calls speaking with supervisors, etc. to correct the problem, and always receiving the promise that this seemingly simple problem would be corrected. NO... 20 months later, still the runaround. Incompetence, inefficiency are the rule at this company which shouldn't be trusted with your money!!!

Do not do business with these people. As many others have stated, as soon as you need to make any kind of withdrawal, they immediately come up with every excuse possible to not give you your money. My wife had an account there for 20 years. We had a financial emergency and decided to close an account. We filled out all the crazy paperwork which is ridiculous, we faxed it in, and boom everything grinded to a halt. You need a signature here, you need a date there, etc. Went on and on. When talking to customer service they obviously didn't care. We requested the money on 3/22. It's 3 weeks later and they still don't have a date when we can expect the check. It's my wife's money! Why are they allowed to make people jump through hoops for their money.

I have had to call customer service twice after trying to register online with Voya unsuccessfully. I have an Apple iPad and an Apple phone. Every time I try to register it says it does not recognize me and won’t let me register using my Social Security number and the pin number provided to me by Voya. After speaking with two different very nice people at the Voya customer service they cannot give me registered either. They gave me a temporary password while they stayed online with me and they still cannot give me logged in.

Voya Financial's website is not compatible with the Chrome browser, which is unforgivable given that Chrome's market share has been more than 50% for more than four years. This is a Voya problem that they have disavowed to me repeatedly. It is not acceptable that they force me to use a less secure browser to access my account information.

My employer was bought out by a larger holdings company in early 2018. Starting in May, all of our insurance coverage was switched to the holdings company provider, but it didn't include short/long term disability so I enrolled with the voluntary disability coverage they offered at a decent price. This February, I had a problem with my wrist that required 6 weeks of therapy. As an over-the-road truck driver, that meant not working in order make the 2-3 therapy/week sessions because we don't have any local facilities near home. Because I enrolled in May of 2018, my claim was filed 9 months after enrollment. So, they have to do a "pre-existing injury" investigation.

About a year ago, I set up a periodical withdrawal for this year. The first withdrawal did not occur, despite a confirmation letter I received when I set it all up. I'm still waiting. Also, tax withholding was specified for a withdrawal last year, but rather than the 10% federal withholding, which is the minimum, none was withheld. To be fair, at least Voya got the state withholding correct.

Voya is pretty much a scam. They will charge you lots of hidden fees and high fees. Almost any other brokerage will have lower fees. Had a 401k with them. They apparently charge a 2% fee, which is much higher than everyone else. When I tried to transfer my money out, they tried to delay my transfer as much as possible, then they charged $150 for leaving. Overall, I lost $250 even though the stock market went up. There's absolutely no point to using Voya since you're just going to lose money.

I worked for a else elementary school for a year and a half. Handed in my resignation in September of 2018. I called Voya to cash out my accounts and they told me, "Oh we still have you as an employee." Um no at this point. It's November so I have to call the administration for the school and they send it over then I call for almost three weeks to Voya. Nope haven't gotten anything yet. That was February 13th. Then I call back February 15th and she said, "Yeah they have it." I was supposed to get 720.34 from two accounts combined.

Since moving to PA Voya has been deducting income taxes earmarked for PA from 2003 to 2018 from my federally mandated annual distribution. PA. will only refund years 2015 to 2018 and I must file an appeal to get a refund for 2014. Voya is responsible for the PA taxes deducted for years 2003 to 2013 but they refuse to acknowledge that fact. What course do I have to make them refund years 2003 to 2013. I no longer have the 1099R's for those years and PA Department of revenue indicate they can't refund those years either. It's VOYA'S error!!!! The 1099R's always shows a Number 7 in Box 7 which indicates the funds are not taxable related to PA. Federal tax is not in question! FEDERAL TAXES HAVE BEEN PAID ON ALL YEARS WHICH IS CORRECT!! BUT PA STATE INCOME TAX HAS BEEN IN ERROR YEARS 2003 TO 2018.

Almost 2 years ago I enrolled with Voya after starting new employment. Ever since opening the account, I have been attempting to roll over other 401k's into the account. I have played phone and email tag with our reps consistently to no avail. I keep getting different sets of instructions, only to find after doing them, that what I did was wrong. If it was not for my company's match I would leave this company entirely. I would not recommend giving this company your business.

I was with my former employer and got enrolled "automatically" with them for 401K. Since I was not aware of the enrollment (I had no intention to partner with them), my paycheck was deducted for a 3% contribution. I called at least 7 times to get a check back, finally they did, but they took $40 dollars out of my refund and claimed it is a withdraw. This is not a withdraw, this is a return of contribution, it is different. If I was accidentally enrolled, I should have got the total amount net of federal/state holdings, and your mailing fee, sure... But they took the concept wrong, and treated as a distribution. Folks, how can you trust them? They have no idea of what they are doing. When I spoke with the associates, even they said there are miscommunications between them and ADP... Do not invest with them. Try all you can to avoid! Plus, my issue was still not resolved. This lasts from 2 months ago.

I have been dealing with Voya for months now. In October I have sent my request to withdraw my 401k after being laid off. The request was approved. I got my paperwork notarized and sent to my old employer and Voya. After it was approved, I received confirmation that it was being distributed to me. After I haven’t received any distribution for a few days I reach back out Voya and they said that I cancelled my request even though the confirmation email says that I cannot cancel my request and I know I did not. I told them that I did not cancel my request so they asked me to redo all the paperwork. I had to go get the paperwork notarized again and mail it back.

To many things were not disclosed when we signed up with Voya. First we were promised a 6% annual increased yearly, has not happened yet after 3 years. We were not told there was a surrender value if we decided to pull our money out, which is thousands less than what we invested. Then also the beneficiary value is less than what we invested. Needless to say we were hoodwink by a shady consultant (Mr. **). We are considering contacting a lawyer.

My son was killed and had a small pension with them. They had a nine page form to fill out. After sending 4 death certificates and 4 court orders to pay his parents as beneficiaries, it finally got done. You think this would be the end, but they continue to send mail to my dead son. I have called twice and ask them please do send mail to him as it is very hurtful to our family and they have lots of documentation to that effect. My complaint was escalated and the answer was they could do nothing about taking his name off whatever they have. According to the courts, all correspondence should go through us, but sure enough, today my dead son received another letter. This company has no social responsibility or compassion for their customers. I feel sorry for other families that deal with this same scenario. Please change the Mission Statement of your company to one of compassion and train your employees to have some empathy with your customers.

My best friend who used to work for the State of Nevada passed away on January 10th 2018. Right before she died in the hospital she told me that she had listed me as a beneficiary on her State Retirement and with Voya Financial. After she passed away the State sent me paperwork to fill out to receive the benefits that she had left for me. I filled out the paperwork and turned it in. A couple of months later I received a check in the mail. But Voya never contacted me to let me know that she had left me benefits with them. Fortunately she told me right before she passed away because otherwise I wouldn’t even know that she had left me money with them. It has been almost a year now and I still haven’t gotten the money that she left me. I have contacted them several times but every time I speak to them they come up with reasons why they can't pay the benefits to me.

My husband and I have had a life insurance policy with Voya for over 20 years, and made regular premium payments. Suddenly about a year ago they raised the cost of this policy by hundreds of dollars disguised as a policy "adjustment". Now we are regularly receiving these policy adjustments every other month, with the threat if we don't pay the policy will be canceled. I am willing to abandon this policy, but I want the money back we have put into this policy in good faith.

To make a long story short after about a year of getting the runaround and around and around I finally gave up and told them that I was going to just let the law handle it. After doing so they finally sent the monies from my sister's IRA account in equal amounts to me and my other living siblings. My advice to anyone who is listening is that if you have a choice in the matter you will be much better off doing your homework and going with a different financial company.

If I could have given this company a negative star I would have... I quit my job, requested my 401K the next day. No problem... 2 to 3 business days. 5 days later call they sent it to the wrong bank. Now have to wait again. This is the sorriest company! Criminals need to stop holding everyone's money and put it where it goes. What a horrible way to do business.

I had the same bad experiences with many who had with them. They messed up my address and date of birth, asked me to fax my driver's license and lease agreement to correct them! I did! After back and force calling them a few times, it still has not been done! I would be happy to work with any lawyers who wish to help suing them!!!

I submitted withdraw paperwork in the beginning of October. It is now December and they are blaming the plan sponsor for not submitting paperwork. They also said I have the wrong fax number because they haven’t received my paperwork. After reaching a manager because the customer service agents cannot drill down in a person's file, said, "Oh yeah I see you’ve submitted your paperwork twice. We will look into it and get back to you in 3-5 business days." They promised to call me back that night regardless of what they found and never did. I have been laughed at by employees and managers as my frustration grows. Today I spoke to a manager who said that there is no one above me and that I can leave the request with him and I can receive a call in 2 days.

As part of my divorce settlement, I received 20k from my ex's retirement account (he got the house). They never notified me that the change had happened. They make it impossible to log into their site, you have to request that a pin number be mailed to you, but if you have moved, or changed your name, you must mail or fax (number doesn't work) them proof of your address and name change. After that is all done, then you can call and request that they mail you the stupid pin number AGAIN to try to actually access or find out anything whatsoever about the account. They aren't open on the weekend, so plan to do all of this during your workday.

Called VOYA to request funds be disbursed from a 401k I had thru a previous employer. After being on the phone for close to an hour, I was told everything was good to go and I would see my check in 5-7 business days. After NOT receiving my check I called VOYA to question where MY money was. I was told that the previous request was NEVER processed due to the agents failure to complete it. Once again, I go thru their entire RIDICULOUS process to verify who I am, and what I want. I am told everything went through, and I will have my funds. This is all after I DEMANDED that VOYA send my money expedited, and they eat the cost of shipping!

Changing Mother's account to a new address - fourth try: Started request May 4 of 2018. Name on account doesn't match legal name. Won't accept Driver License, Passport or SS Card. Wants Birth Certificate for 92 year old? Sends blank forms and if not correctly filled out, is rejected and sent by snail mail. When calling takes 20 minutes each time called to find the right person. Rejects POA with legal name and then wants POA to match the name on the account, legal name does not count. Certainly loves to give customers the runaround and not provide assistance. Don't use VOYA in financial matters.

Great day in the market and close to retiring, so I wanted to move another 20% of my money into fixed principal. With 10 minutes to go, logged in, but every time I tried to reallocate, I'd get a "Sorry call 800..." or "Session Timeout" to protect me (5 seconds after logging in doesn't require a timeout). Amazing that as soon as the market closed, I could reallocate. Great... So tomorrow, if the market drops 500 points and I forget to cancel or get pulled away from my desk or get timed out by the website and not able to stop it. Voya has high fees, low fixed principal interest and poor fund choices. I can't wait to retire and get as far away from this dog as possible.

I purchased Voya accident insurance through my employer. I broke my femur while on vacation. I filed a claim and submitted all necessary paperwork and they said it would take 10 business days to review. After 10 business days, I called to check the status of my claim only to be told it was still processing. The call center employee said she would escalate and they would respond via email in 24 hours.

Needed to perform a simple rollover and request a distribution check. I was on hold with Voya for several minutes (not a big deal) but then was told that they have an incredibly small limit on how many characters can fit onto the recipient name on a check. I then had to call my new 401k provider to request an approved alternative super-short recipient name, then call Voya back to request the check under this name. The man I spoke with then said there was a "problem" with his system that wouldn't allow him to look up some essential information to complete this transaction, so I would have to talk to someone else.

My husband and I have filed a complaint with the California Insurance commissioner's office today, October 19, 2018. The c A brief overview of the case is as follows: We purchased a universal life policy from Midwestern United Life Insurance Company in 1988 with a death benefit of $25,000. The policy is now with VOYA Insurance. We have paid the $230 annual premiums every year for 31 years with the last payment being made in Feb, 2018.

I requested my money be rolled over by phone authorization over 2 months ago. Then they send a form. Then I have to get through 2 password sign ins for the "PlanWithEase.com" to request an authorizations letter. I had to call twice to get in with the password I set a month ago. Go through about 25 clicks to get the letter I have to send back to VOYA to get MY money out! So they made money off my money for over 2 more months after my original request. Beware the "Plan With Ease." It was NOT easy.

I have been fighting with them and their system to roll over my Roth 401k to a different company. But their "check printer does not support a lengthy address". Which the company I'm trying to roll over to has a lengthy address. Any time I call support (if they even stay on the phone with me), they just tell me to use the online functionality or call the company I'm rolling over to and get a shorter address. Their investment elections have cost me thousands of dollars in the past year, as I have been trying to get this rollover. Their site is bloated and hard to navigate. I would never suggest anyone invest with this company. I just pray at some point, they will decide to just hand write a check, so that I have get MY money away from them.

I fell and broke my femur at a bakery where I work one day a week. They called 911 and I was taken to Cleveland clinic as a trauma 1. I had a intermodal titanium rod put through my broken bone to straighten it a huge screw in my hip and two screw three my femur. They denied my claim as for profit.

I called to have my money deposited in my checking account. I gave them the info. Told I had to wait 7 days. Called back then I needed to fill out a form and fax it to have it direct deposit. Did that, called. Closed out acct on Sept 10th. Suppose to be direct deposited in 3-5 days. Wasn't, it was mailed. I didn't want mail. I am out of town and not getting my mail and I need the money now. A bunch of clowns, unprofessional and I am stuck and no one can help.

I've been working with Voya Financial trying to get a 401K distribution which I'm 100% vested for over 16 weeks and somewhere around 20 phone conversations. Their communication and responses are 100% non existent. They state they'll do things to assist in the distribution, but never responded to me in regards to status. The last response from Voya after 16 weeks of trying to get a distribution is that they cannot get a response from the Company's owner and I need to call and place a claim with the Department of Labor. Then Voya states that it'll take approximately 6 months for Department of Labor to rectify claim.

Filed accident claim to where I had surgery but to my surprise since it was on the same job that I had taken the insurance policy out on claim denied. Be aware of what Voya does cover you if you get hurt on the job. You have paid for nothing... not one single thing you have give them you will never see.

January 2018 we contacted VOYA to convert a life policy. Face value was only 52k but we needed the insurance. Voya made multiple mistakes issuing the policy, they actually had to pull their calls to confirm their mistakes because they tried to get out of processing the request. The policy was issued at the wrong age 1.5 months after the process was started. I called the Friday I received the policy, explained the issue and unfortunately my father-in-law passed that Sunday. Voya never corrected the issue age. The check was finally released 1.5 months after his death. The check was short $3245.00. A month later I am calling them asking where the money is.

For months I've been jerked around by Voya. They keep losing my claims until the statute of limitations runs out then denies my claims. Their website says 10 business days but it's actually 20 business days or longer. Liars.

Routine inquiries, any customized assistance or shopping for better offers is nigh impossible or very very difficult. This is not all Voya's (formerly ING's) fault since this company's products are offered through a "gate-keeper" agency, i.e., Colorado Public Employees' Retirement Association (CoPERA). The problem with Voya is they've created a totally automated customer service platform that really is just another investment-bot product, which CoPERA promotes and defends for undisclosed/unknown compensation and/or reasons.

I wish I knew before now!! I submitted a death claim in April and 2 months later, I am still getting the runaround from this company. I thought a life insurance policy was suppose to help with the expenses of a love one when they die. Not SO!! I am still waiting! Unacceptable and inexcusable. SHAME on Voya Financial. If you're thinking about taking out a policy with this company... DON'T.

VOYA goodbye. After numerous calls during which many instances of invalid information was given us, our attempts to transfer via a standard rollover did not happen (unlike that of which my E*TRADE brokerage account took one day to complete after its on-line transaction for the same type of business having no complications!). The second person we talked with at VOYA said that it could be effected on-line. After working with her for 40 minutes, she said she could do it "at my (her) end" and we were assured it would be done within a couple of weeks. After finding no action had taken place and no funds were transferred, we again initiated contact. We were told that forms would have to be mailed to us, at which time we balked and asked that they be faxed instead. We completed, signed, and faxed to release documents back the same evening.

This is the second time VOYA mishandled a simple request to roll over my funds into another retirement account. Their excuses are always, "Sorry our system is down," the back office did something wrong, there was a process delay with the checks, etc... I am taking all my money out of VOYA Financial, if they can't handle a simple request to rollover funds (after completing the appropriate forms) and doing what I have to do can't imagine they can handle any money management. Inexcusable for a financial institutional. I will be filing a complaint with the Attorney General's office and any other entity governing financial management institutions.

Requested a distribution from my 401k to meet my required minimum distribution because I just turned 70 1/2. Made the request on 5/13/18 after completing and faxed the forms required. Receive a letter 2 days later that the forms were received and approved and that the funds would be deposited in my bank account. The money was taken out of my Voya account on the date of the letter. The money did not arrive in my bank after a week. I called and was informed that because my checking account is in a trust I would need to have the forms I sent in to be notarized. I did not understand what my bank account being in a family trust would be relevant since it is only receiving the money. My Voya account is not in the trust and is the account sending the money.

I recently requested a withdrawal from Voya last Tuesday 5/29/18. I happened to call and ask for a UPS tracking number, that's when I was informed the requested was rejected. Not one person contacted me to ask questions or email me when a update. On Friday I was told by a line supervisor name Chris I would we be contacted by phone within 48 hours. I still haven't received a call. I called 4 times in one and each representative states, "I'm notating the account, a decision hasn't been determined." I have spoken with several retired individuals and they state for the headache I should redirect the money to another source or financial advisor. If the online system allows you to make the request, naturally the individual will assume the system is approving and processing the request. I will update the outcome once I get a definitive answer.

Voya's customer service is poor at best. It appears to be outsourced even if it isn't. They have messed up the cash out of my father's estate by sending checks by mail when I paid for overnight service. They took forever to get it figured out and I had told them the timing of the cashout was time-sensitive. I had two cashouts on the same day, executed the same way with the same forms and they processed them both completely differently. They sent one overnight and the other by snail mail. They wouldn't send them so I could them before 8 pm at night even though I requested that and would pay for it.

Voya spent 6 months trying to delay the payment of a life insurance claim on my Mom. When they were pressured enough with threats from me and the Minnesota Insurance, they issued a claim check. Voya then bounced the claim check twice. Either their finances are very flaky or the claims underwriters are the most vile and despicable individuals the planet has. They will abuse the bereaved and do all to cheat the policyholder. I would say, “Shame on you Voya”, but you have no shame.

Employer-provided accident insurance - These guys procrastinate as much as possible in hopes of claimant giving up and going away. They have only one concern and that's collecting premiums, customer service is much like processing claims. Nonexistent at best. I have decided to inform my employer and coworkers to cancel their accident insurance, it's a waste of funds on a policy that can never be depended upon.

I was considering signing up for long term disability insurance but the customer service gal from the customer service # would not help me with "GENERAL" Policy definitions and questions unless I disclosed my full name. What a joke! She said it was for security purposes and refused to answer what "effective date of coverage" meant. How are people supposed to research if a policy suits their specific needs unless the company discusses fine print and disclaimers? Talk about no transparency. I then asked her for her full name and she said she could not divulge for security/privacy reasons. What an idiot. Where do they find these people? I will NOT be purchasing a 401K or LT Disability Policy with Voya. No thank you!

Recently transferred a high-value 401K managed by VOYA for Yum Brands to another financial institution. VOYA seemed to throw roadblocks up right and left to delay the transfer. It took six weeks to transfer the funds when it should have taken 10 days at most. They acted like they were doing everything they could to hold onto the funds as long as they could. It may not seem like a lot, but I lost over $500 in interest because of the delays. Simply unacceptable.

When taking a $1,000 loan from my 401k plan which was approved and the check sent to me I took it to two places and got a response of nonsufficient funds declined. Why?? I am trying to figure out if the check is good and so is the creditors.

Having 401K account at Voya I twice had difficulties to resolve simple issues: first, being retired, when I wanted to start withdrawing my money on monthly basis, it took for them no less than 2 weeks to process my request. Then later I decided to receive annual distributions each December INSTEAD of monthly ones, I called them in September 2017 about it, they OKd it, but have never send me any confirmation letter or email and to my big surprise in December 2017 they transferred annual distribution ON TOP of the previous 9 monthly distributions...

This is the worst company I have ever done business with. State of Oregon decided to have this horrible company manage our Oregon Growth Plan. I withdrew money on 1/3/2018 spoke with an employee named Shekoa. She asked me if I wanted to have federal tax and state tax withheld, I told her, "No, only Federal tax," twice. Well when the money is deposited they deducted federal and state tax.

My father died in September. It is now February and I am still dealing with this horrible company who transfers me 5 times every time I call and then won't give me information. I have filled out forms and more forms, and then they decide they want more forms and more documents. One time, faxing is ok, one time it is not. THE WORST!!

My employer recently switched from a well-known, reputable financial company to Voya to service our 403(b) retirement plans. The problems for me started right away because I had a loan already existing from the previous company, which Voya was supposed to just start serving. In all paperwork it says Voya will debit the monthly loan payment from my supplied checking account (which it took me weeks to successfully enter into their website/system). A couple weeks after Voya took over, I get a loan default notice from them. The loan I had was in good standing when we switched. After numerous calls and emails to them (their customer service is terrible and each person you talk to will tell you something different) they agreed there was an error and reinstated the loan (not without first making me pay $500.00).

I have been forced by the state of Michigan (my employer) to use this company for my retirement management for years and it has been nothing short of a train wreck. I am a seasonal employee and am laid off for 3 months in the winter each year. I have taken 401k loans out 2x now and there is never a problem getting the money. The problems start when you try to repay the loans! I had payments set up to come out of my check. When I went into layoff, I discovered that they don't accept personal checks for payment, or wire transfers (unless you set up an automatic withdrawal - no way, I don't trust them!). The only payment they will take is a post office money order in the EXACT AMOUNT. If it is even a penny over they will send the check back to you and say you are late on your payment and in danger of default.

Not only did they have the wrong address on file, going from correct to not, but they send everything weeks late. I did a process of drawing my retirement on the 3rd, and changing to paperless. There is no confirmation. No tracking number. Nothing. So they decide to send the check with UPS. I call multiple times over 2 weeks to ask what’s going on. I get “no idea” and “do you want to cancel and try again?” Which would take probably another 2 weeks in their “3 to 5 day timeline”.

These people SUUUCK. I never signed up for additional benefits on the plans my employer offers and these thieves sign me up anyway and start deducting my paycheck! I have to waste my time and call to cancel and when I ask for reimbursement on the money they stole (I have physical evidence that I didn't sign up for their plans and they just signed me up without my consent) they said they don't do it! I told my employer that they wont reimburse me. My employer said, "Yes they are supposed to". It took a supervisor calling them for them to admit they will reimburse me but it will take two months since they have to wait for the January bill to come through and then it takes a month after that. So end of Feb I'll get my money. You can bet your bottom dollar I won't forget VOYA and if you don't reimburse my money I'll be calling. Thieves. I had cancer and need every cent I earn and they just steal it like that. That is very unprofessional and just WRONG.

I filed my wellness claim Jan 2 and I have both critical and accident insurance. I received my benefit from my critical illness but not my accident. We are now on day 7 and all they can tell me is that they have expedited it and have managers involved and they will contact me within 24 hours. I have been told this several times now and I don't know what you all think expedite means but to me it means that is priority and should be done quickly.

Customer Service is terrible. You can tell by the tone and attitude in their voice that they are not in the mind frame to actually provide customer service to you - the consumer (how dare we call and bother them). I had a general question about my wellness claim. Before I could even finish my question the rep rudely cut me off and informed me that it takes up to 5 days to process my claim. She just dove right into the generic, pass the buck and good luck way of doing business. Had she listened to my question fully before cutting me off, she would have heard that it does not matter when I submitted my claim, my question had nothing to about the processing time. It seemed like she didn't even want to deal with or even touch my case, look up my information or answer my questions until after 5 days. WTG Voya for training your employees and making sure your customers are well cared for!

Letter in September gave the amount of increase in premium effective November. Allotment was increased effective October. Got a letter in November stating decrease of face amount due to non receipt of increase. Numerous phone calls and a Fax showing the increase in allotment later the matter was supposedly resolved. Received a letter stating that in early December. Today received a letter dated Dec. 21 stating decrease in face value due to non receipt of increase. This matter will be turned over to the insurance commissioner!

Applied for a over 59 1/2 withdrawal the Saturday after Thanksgiving. Still waiting for the funds on 12/15. Nothing but worthless lip service from Voya reps. They made a lower bid to manage my employee 401k fund and took over from Hewitt. Big mistake on the part of my employer.

My employer recently switched our profit sharing retirement accounts to Voya Financial. This morning a coworker of mine and I had difficulty registering to access our accounts on their site. After registering, I couldn't get into my account. Called the place numerous times with no success. Still can't access my account online. Had to do it online. I wouldn't choose them if I was given a choice!

On October 24 I requested a limited withdrawal from my retirement account from Voya Financial due to expenses related to Hurricane Maria. The first request was cancelled and no one can tell me why it was cancelled. The second request for withdrawal went in on November 2, when they rapidly withdrew the money from my account but it has been 5 days and the money has not been transferred to my bank account on file. I keep calling them and I just get the same explanation: "The money will be transferred when the funds are released." The money was released when they took it out of my retirement account. So, where is the money? These people are making money out of the misery of us who suffered through Hurricane Maria's wrath. Shame on you Voya Financial.

I have had a ReliStar policy for over 30 years. Policy has a 4% minimum rate return, that was honored for many years, but starting in 2009 Voya decided to reduce it to 3%. I have sent policy showing the 4% minimum, and I am still waiting for acknowledgment of their error. Poor customer service.

Submitted a hardship withdraw for home repair and all necessary documents. When you apply for a hardship it is an emergency but you have to call them constantly in order to check the status of your request. You get told different answers depending on who you talk to in customer service.

I have requested to withdraw my money from this company going on 4 months now. The company I worked for was bought out by another company so my retirement fund was transferred from Fidelity Investments to Voya, where all of my problems started. From the get-go I was told that withdrawing my money would be an easy process, I would just need to fax a copy of my social security card to verify my account since it was transferred. I did this immediately and waited the week long period in which it would take to appropriately verify my account as I was told by the customer representative. Once I called back, I was told that none of my information could be verified and that I would have to call the HR representative at my work because they must be transferring information over incorrectly so Voya does not currently see ANY account open under my name.

I have contacted Voya Financial regarding Hardship Withdrawal roughly 3 weeks ago, explaining the clear urgency of my situation which was covered under one of their options that will qualify for Withdrawal. It was denied, but none of them would even call or email me to advise what it is they would need to help expedite this process. I was told I had to redo the request package over. I did it again and this time I made sure there is every thing they say they need to be able to approve it. On July 14, 2017 I spoke to one of the managers and he said he would "elevate" it because EVICTION is a serious matter. We both assured that all the documents are in good order.

This company is honestly the worse ever. I had shoulder surgery on May 30th 2017, I'm only suppose to be off work 10 weeks, they said they can't start payment until after 30 days, then on top of that they can only mail you the check once a week, no direct deposit. So every week on Friday I go check my mail to see if my check has arrived, smh, sometimes it’s there during the week sometimes it’s not. Today is Monday July 24th 2017, I didn't get my check from last week so hopefully this week they send both of them. People who are off work due to an injury are already on a set income, I use my short term disability check to buy groceries and put gas in my car which I haven't been able to do and feel like a straight bum, I’m for sure getting Aflac next time.

Nothing this company and their retirement offerings are standard. None of the funds have legitimate ticker symbols, so you can't follow them. You cannot get in-service withdrawals after 59.5. We have a stupid management and they stay with this jacksticks.

My father passed away last December. Voya is the plan administrator for his savings plan of which my brother and I are beneficiaries. It's been over 6 months and we are still trying to transfer the funds to a new plan. Consistently, we are told "The system is down," "You need to now fill out this form," "Once you fill out the form, it will be another 5-7 days and then you need to complete another form," "Call back tomorrow." In addition, I have spent hours on the phone only to be disconnected randomly. Each call back requires me to start over with why I am calling. The experience has been the same for my brother. My financial advisor stated, "We have never experienced anything as awful as Voya." Do not willingly choose to work with them.

I'm not sure why people have left so many bad reviews. I called customer service on Friday, June 2, 2017 around 4:30 pm to request a loan from my 403(b) retirement account. The customer service rep I spoke with was very courteous. The phone call only took about 10 minutes. I checked the website and my documents were available to print. I printed and faxed them into Voya. At 4:54 pm, I received a confirmation email that my documents had been received and would be and reviewed and/or processed.

The worse retirement company ever! I left my job four years ago. I literally have been trying to get my money from my 401k for four years. I just gave up trying. So I started back last week trying to get my money. I called again, and was told I have to go through the employer to get the papers I need to withdraw my money. The employer has since been bought out. VOYA would not give me any information on my money. MY address has changed six times in the four years. I have no freaking idea what address they have on file. This company is a nightmare and should not be in business. The customer service sucks. Worst place by far to trust with your money. I see countless reviews all recent in regards to this company. I WANT MY MONEY AND I WANT IT NOW!!!! My brother is a lawyer and I will be discussing my options.

Totally useless customer support. The stall tactics and feigned mistakes and lack of communication are all part of their well rehearsed game.The CEOs and managers go to school to learn that stuff. They say "It's just business". Well be clear their business is to keep your money as long as possible until you just give up trying to get it. It's legalized robbery. Of course they should earn fees for investing your money but they do not seem to care that you have a contract, They do not honor it. They have not paid a dime to my mother-in-law who is 93 and in an expensive Alzheimer's facility since her husband's death over 2 years ago despite calls, emails, forms notaries, powers of attorney and 2 sets of lawyers (all using up the gains accrued by investing with Voya). Also our pain and suffering emotionally knowing that my father-in-law is turning over in his grave knowing what he worked so hard to provide for his wife's care has been stolen.

I applied for a hardship loan (401k Voya) on April 6, 2017 and still have not received my money. I have been given the runaround for almost three weeks. I just called and was told that I would have my money by Friday because it takes 2-3 business days after it is approved. Friday will be too late, I needed the Money by April 20, 2017. Their customer service and managers suck. I can't believe that companies invest our money in a company that provides bad customer service.

I spoke to a customer service representative about withdrawing a loan from my 403B. I told him it was a hardship loan yet he told me he would mail the forms for me to fill out. After 4 days of waiting for the forms I called back and they told me it could take up to 7 days. I asked them if they had a quicker process and then they decided to finally tell me I could go to the website, print the forms and fax them. I did that a week ago and the next day they withdrew the funds from my 403B account but still haven't deposited it in my bank account. I called them and they said it takes 7 days to process the withdraw. I have never had to wait so long for a loan from my 403B and I have invested with several other companies. They also have horrible customer service.

When I tried to get my mother's 401k out after she passed away they sent me a bunch of forms that had to be notarized. So I took my 90 year old father to the notary to get it all done and sent it all in. Eventually they sent me back a note that it was not done properly. It had to have a Silver Seal notary or some such. So I had to find one and take my father to the bank to get it notarized again. There was no possible reason to send the wrong paperwork in the first place other than to give us the run around. Very poor customer service.

Voya representatives act snotty and lack sympathy and common sense. They don't care for their clients. My client performed a trustee to trustee transfer of retirement money (leaving Voya). Voya even sent a check made out to "XYZ Trust FBO Client Name" and then issues a 1099-R. Obviously this is trustee to trustee transfer, and an erroneous 1099-R. It's an easy fix but they won't do it.

Voya is the company for which I have my 401k account through my employer. I had a situation come up where I needed to pay off a loan I had taken out previously so I could take out another one. Called Voya for the address where I could mail a check & pay off the balance, I was given ONE address & proceeded to overnight a check to the address given. I followed up with Voya calling multiple times throughout the week & was told to give it a few more days. I proceeded to call again on Monday & was then told I had mailed the check to the wrong address & there was a special address to overnight checks. I knew nothing of this separate address because I was only given the one. There was a claim opened to try & find the check that was delivered Tuesday, March 21 at 2:20 pm.

Not only did it takes weeks after weeks as they kept changing my address now I haven't received my tax information for filing my taxes for 2016 and they say they don't know if they sent the required info but want me change my address again. This is the worst company I have ever dealt with and urge you to NOT invest in it. I finally got my disbursement because a postal worker went PO Box to PO Box and found the wrong number had been put on it. Incredible. California teachers don't invest your 403Bs in this company.

Voya mailed me a notice that "I authorized them to change my address....". I absolutely did not give Voya permission to change my address. And, they changed my address to my former address of 11 years ago. When I was at my former address, I survived the nightmares of having my identity stolen. The notice from Voya struck all the wrong nerves. The Voya customer service blamed their vendor for making the unauthorized change. He explained that the vendor did that whenever there is "returned mail". He offered to change my address back. But when I asked him what happens when USPS fails again to deliver a Voya mail to me. He said, "Call me back and I will change it again". I called my broker/agent, who told me to "take a deep breath", and asked that I do not send her the Voya notices.

This company claims to be highly ethical but my experience certainly does not support any of their claims. Instead they are ARROGANT, ARROGANT, ARROGANT. I withdrew money from a 401 (k) Plan administered by Voya. They withheld taxes at double the rate that is required. I, nicely, pointed out their error and asked them to fix the problem and send me the rest of my money. Their answer - error could not be corrected.

This company commits fraud every month. Today, 2/28/17 they are asking me to pay my January-April 2017 premiums. I paid my January premium 10-days late because I did not know that the due date was January 10. They returned that check. So I paid January and February premiums as soon as I received that return check on 2/12/17. Today, 2/28/17, that check has been returned by VOYA and they will only accept payment through April 30, 2017. Why would I need to pay my April premiums on February 28? This company commits fraud every month with me. What about other customers who are not able to push back? I'm reporting them to the State of AZ Attorney General's office and the Consumer Financial Protection Board today. Do not buy insurance from these people unless you want to have fraud perpetrated against you every month.

My wife received a notice from Voya saying she needed to request a minimum distribution from her KS Board of Regents 403B plan. I helped her with the required paperwork and mailed it 1-6-2017. Since there was no response I called Voya and was told she had to request the withdrawal online. I was transferred to "planwithease.com" and held for 40 minutes. Finally a lady named Kat come on the line and told me she could only speak with my wife. We were both on the speaker phone but Kat would not let me speak.

I closed my account on the 6th and paid a few to have my check sent expedite and by UPS. Well after a week got nothing. I called to get a tracking number and they explained it got sent accidentally regular mail and they would refund the 50 dollar fee. Well now 2 weeks no check and I called every day for a week straight and spent over 2 hours each day on the phone with different supervisors giving me conflicting stories and excuses and to have a racial comment made was the icing on the cake. I got almost 3k stolen from me from this company that is lost somewhere in regular mail by these people and I want to take legal action and go public about the racial comment made.

I mistakenly on-line signed up for a one-time repayment on a personal loan from my 401k, immediately I contacted the service via email and attempt by phone. I followed this up with 2 more phone calls explaining the error and requesting to make a 3 year auto pay installment on my loan, I was assured this could be taken care of. Alas! VOYA attempts to withdraw the entire loan from my bank account, I respond saying "hey! Wait, I was under the understanding this was reallocated!" I was told that I had to repay the loan in FULL otherwise be taxed for taxable income! I repaid in full and received a 1099R for a MUCH MUCH like 12 x's the amount of the loan as taxable income! Which is insane as I repaid the loan in full in less than 30 days that I was told it had to be!!! I have NO STARS for VOYA as their customer service was robotic and difficult! BOOO VOYA is the WORST!

I have a sizable 6 month TD with ING. It was automatically rolled over a week or so ago but the interest rate they are paying fell by 70 basis points. The RBA only reduced rates by 25 basis points so I called up and asked why the big drop. ING gave me no answer other than to say "it is what is." I said I can get more elsewhere - again the answer was "it is as it is." OK I said I will take by money out. I was then told I had to give 31 days notice and that for the entire time of the term deposit I would now only receive 0.045% interest. That is $4.50 per year interest for every $1,000 invested. I decided the bite the bullet and close all my ING accounts down. They got me this time but they will not be ripping me off again!

I have recently decided to refinance with St George Bank, moving from ING. My husband and I approached St George in August and filled in necessary documentation to proceed. This past week I have spoken with St George to follow up and they advised me they have been in contact with ING on a weekly basis to have this application settled, but ING have sat on it and are doing nothing. Yesterday I spoke with ING who informed me they received the paperwork on the 8th of September but have failed to do their job. After speaking with a number of people I was told to wait and it will be done soon.

We have 2 business loans accounts with them ING. Since their so called "upgrade" to their website it has nothing but trouble. Our accounts can no longer be view on online, several phone calls and emails has been made and sent to but nothing has been resolve. Fancy enough their website works effectively on direct-debiting but nothing else.

My late husband opened a tax deferred TSA with ING. He passed away in 1998, and the account was left to my two minor aged sons. We have been struggling with the VOYA customer service. They told us that the account was "closed in 2013". That money was taken from my late husband's paycheck--it is my children's, not VOYA. This fight is not over. My sons need that money to pay for college. I am a teacher and a union member. VOYA often sends representatives to our schools. You can bet your life that I have alerted the Union and the Wisconsin Education Association Council to NOT endorse this company. They are thieves.

I have been trying to do a roll over for nearly 3 months. They keep making me jump through hoops; every time I try to call I wait on hold for at least 5 minutes. But the most infuriating trouble is trying to obtain the account number, they know that is what keeps a roll over from happening. Like millions of people, I will change jobs and employers use different providers, a roll over is very common. I have never experienced anything like this. I will never use Voya/ING or affiliates ever again.

My In-Laws purchased a contract from ING that has now become Voya. Do not even think of calling Customer Service unless you enjoy speaking to a phone clerk with limited English language ability. You will NOT get ANY straight answers, period. The annuity contract and the statements are nothing more than smoke and mirrors. They say that you cannot track the performance of the funds you have invested in and there is no association in mutual funds available off the Street. Such a dazzling bit of magic will allow Voya to REDUCE your investment by secret FEES and CHARGES. AGAIN with no possible way to track what is happening to your Money, ALL without explanation. I lodged a complaint and a week later Suzy ** claims they need 2 more weeks because an actuary is required to investigate... MORE SMOKE AND MIRRORS. Bottom line... Do not BUY anything from Voya. Leave your money in a cookie jar, you can STEAL from yourself.

Me and my partner went to open a joint account. It has been a 2-week process. We keep being told different information each time we call up, after a minimum 15-minute wait time. I have been with ING for 2 years now and even have my super with them. I can no longer see the point and will most likely change banks and super accounts in the near future.

I've had an ING Direct account and mortgage for nearly 10 years, and am one of those that should have benefited from the Rate Renewal Class Acton suit. Since I never received a check, I inquired. The staff was utterly incompetent, repeating again and again that the remaining funds were given to charity. Again and again I said that I knew that, but wanted to know where my check was. After literally an hour of babbling, the agent "escalated" the call. At that point I was given a defunct website and telephone number. I should say I was "blown off," because I told the agent at the beginning that the website and telephone numbers no longer worked. This is one of many frustrating experiences I've had with the company's support staff. And please note that they lost a class action suit due to their fraudulent refi claims. The rates are sometimes good; the service is terrible.

My wife lost her job and is 59 1/2 and was told that she could make a lump sum withdraw from her 403 account but we were only sent 20% and we were told that we could only take out 20% over a 5-year period. We may lose our home due to this company. I would not ever trust this company as we were lied to the whole time. Seems they want to benefit from keeping her money and really do not care about their customers.

About eight years ago I opened an account with ING Direct. Now it seems that the company has moved overseas and I am no longer able to access my account. I can't call the number because it is an international number and my phone will not call overseas. It is not a lot of money, however, it is still money that belongs to me. This is frustrating at best! How do I contact this company to access my online account. I do not remember my username and password. Their website has ridiculous hoops to go through in order to get in and I am unable to jump through all of them without speaking to someone.

I've never experienced such deliberate avoidance of a request. They claim to be the "most ethical" company, but trying to withdraw funds is like wading through a swamp of dense muck. When I call and talk to a customer service advisor, that person either does nothing or does NOT understand what to do. Then I'm presented with a number of hoops to jump through, including going through their ridiculous and redundant "planwithease" website. I had no choice about this company as it was chosen by the institution from which I retired.

Invest through ING. Pretty happy with the way things are going, want things to be better. It satisfied as things are. I really don't know how helpful I can be as far as I am concerned. Things are pretty automatic and I have very little if not nothing to do that would change the way things are.

I have been unable to access my 401K account information for several months. My employer switched from J.P. Morgan to VOYA to manage our accounts, so I had no choice. The password provided was not valid. I was unable to access the account through their website no matter how many times I tried. They have sent passwords to my address on 3 separate occasions and none of them worked. When calling the number provided, I was kept on hold for more than 15 minutes before I could talk to someone. Another password was mailed and it did not work. My company will be switching to Fidelity as of 1/1/16 so all of this will become a moot point. But my issues with VOYA were NEVER resolved. I'm glad my employer is dumping VOYA.

Got an account with ING while I was employed. Now I am retired and it is a struggle to get my money from the distributor Voya on time. They do not deposit funds on time each month. I cannot recall the last time I got my money on the first of the month. My bank has assured me the fault falls on ING. This is true since my monthly statement shows they wait up to a week before making the deposit into my account. When I called to rectify the situation I was blown off by a Supervisor. They are bad news.

Like other reviewers I had a small amount of rollover 401K money that was placed in an ING/Voya account. After receiving statement after statement from this company showing various ridiculous fees being taken out of my account, I decided to close it and invest into a more reputable company. As I was doing a 60-day indirect rollover to another IRA account, I requested that no taxes be taken out of the check. When I received the money, there was a $95 termination fee AND a $35 maintenance fee charged. They also took out state taxes, which was listed on the check.

I had a small balance through a former employer, and was told that since it was under 5K I needed to take it as a distribution. Voya was provided the simple directions on what needed to be on the check for it to be correctly deposited into my qualifying IRA (bank's name, my name, account number). Well, they sent the check without the account number so the bank deposited it into my checking account. It's fixable, but when I called Voya to send me a statement that showed the distribution, the "customer service" rep tried to argue with me that the check shouldn't have needed an account number on it to be directed to the right account.

We have been trying to get a home loan from our investments for 3 weeks now. Every day we call and someone tells us something different. We were first told 5 days with the signed promissory note, proof of a purchase agreement (ours is notarized) and proof of the closing date. Then the date kept changing further and further out. We provided what they requested, yet they red flagged our account! Apparently, they're not smart enough to know how building a new home works.

Called and spoke to another rep. Advised the State was requiring an email or fax confirmation that the I did request the info and they were working on it. Rep denied doing this. Asked for a manager. Rep came back and told me no. "We don't do this. We won't email or fax you anything." Read her what was being requested. A statement saying "your request for information has been received." "No, we don't do that. The State of IL will have to call us for something like that." And she went silent. She would not say anything further. Not "I am sorry." Nothing. Horrible service.

I have a large annuity at Voya (that used to be ING) and have been trying to find out how to transfer it somewhere else before it expired. I was left on hold at a call center in Manila for hours and no one in the US would talk to me. They don't call you back and you are sent to a call center overseas. I never want to deal with this awful company again. This is what is wrong with the USA. I suppose the CEO is too busy buying yachts and homes to deal with the little people who support this company. They are frauds. DO NOT BUY ANYTHING FROM VOYA. They are terrible. I am going to get my money back if I have to take legal action. They are awful.

My account from a former employer rolled over into a VOYA plan. VOYA and IDP contract for this to happen at the end of employer/employee relationships. VOYA charges customers ridiculous fees for the privilege of having to chase their money down including monthly charges for "administration" and an additional fee to roll the money out of a VOYA account. The fees are designed to chip away at small balances until there is nothing left to administer. These relationships should be illegal and exist only because the financial services industry has a powerful lobby. When asked about the fees VOYA's CSR was irascible and defensive. Not only do you pay for the privilege of chasing your money but you also pay the CSR to treat you poorly. Congratulations VOYA, keep up the great work.

My husband is deceased. He had an ING access account which appeared to be worth a significant amount of money. I'm trying to find out where it is or where it went to. If you need further information, please feel free to contact me. I contacted Voya and they have no record of him and his social security number.

I think this company just does not care about customer service. I have been waiting over a month for a loan which they say takes 5 days to process. When I called at the two week mark they said it wasn't processed but they will. 4 weeks and nothing. Monday they said I would have by Friday. No supervisors come to the phone. No response to the contact up on the web page. What is going on Voya? This is terrible.

I am trying to set up a new 401(k) account with Voya. Have had to talk to several different people and have received different information. Definitely not TRowePrice!!

So my company signed us up with this 401k plan. I have tried to get setup, it took over 5 attempts and even called them to get my information into their system. Finally it’s there but they signed me up for a financial adviser that I have to pay for which I never agreed upon. My current investments have all been changed and I cannot get anything changed. I have called 6 times now dealing with Voya and Morningstar to get the service turned off and to change my vestments. This is the worst company I have ever dealt with. If your firm goes with Voya, do yourself a favor and say NO. It’s run by a bunch of idiots.

Every now and then my wife goes in to the 403b and requests a loan from her retirement. Most of the time they fail to process the loan in a speedy manner. As they put it - somebody is working on it. It seems that ING has very poor customer service. Can't wait to take all of the retirement out of ING and invest it somewhere else. Other times, the wrong form has been filled out as they decided to change them. They don't bother to tell either. No calls. No communications.

My plan summary states I can make loan payments directly to the plan in addition to payroll deductions. The plan states I can prepay the outstanding balance in whole or in part at any time. I have sent in a payment and they are refusing to post to my loan.

Firstly, they take your information over the phone to transfer your 401K to another institution. That's scary - How are they sure it's me? Secondly, my broker says that the $150 exit fee is steep and unreasonable. The whole reason I left ING (now Voya) is because their fees are exorbitant.

I had 4521.00 invested in my 401K. Today I see 0 as the balance. I called customer service today. I called first time, on hold for more than 45 minutes and customer survey came up. This is a strange experience for a financial company who does 401K.

I am on Long Term Disability, I had researched some, although I am heavily medicated and an agent had me fill out forms for medigap supp F and D policies. When my Sister saw them she told me I should not take them, so I cancelled the applications. When I 1st called ING/Voya, I was told I would need to sign a letter to cancel coverage, I never received this letter and received a call today stating I am unavailable for benefits. W/O this coverage my prescription drugs will bankrupt me, The Part D medigap policies do not cover through the gap and the medicare advantage does and I have had it since 04/2013. I believe they should allow the coverage since I am still on the plan until end of year and never signed to cancel stating I knew what I was doing.

Opened an account for my daughter for her to access while at college. There was some confusion as ING requested change of password. When password did not work we both called to request funds. ING response was no password, no funds and refused to return our own money even after several calls and discussions with supervisors. No wonder they are changing their name. Criminals!!!

I opened a Retirement account upon being employed by the County of San Bernardino in June 2013. Upon ending my service with the county effective May 14, 2014. Subsequently, I requested for the refund of my contributions into the plan. By Check #** for $1,247.97 my contributions were to be refunded. I called when I failed to receive this check on time but was always told give it time. Getting tired of waiting, I called on Wednesday July 16, to report non-receipt of this check and requested that the check be stopped and instead to be paid by direct deposit into my account with Wells Fargo Bank giving the following details: Account Name: Johnson **, Routing #: **, Account #: **.

It has taken me almost a month now to do a rollover to my other plan. They tell me they want a form with a logo to whom I'm rolling this over to. They still want a signature form from my new plan. What a complete waste. I'm still waiting for them to send the form that they won't send me by email. ING states they sent it and I keep telling them they did not receive - to email it so everyone is informed. My next step is to complain by BBB. If anyone have any suggestion let me know.

Getting a hold of an individual that seems knowledgeable is incredibly difficult. They did absolutely nothing to help manage my plan in the year and a half I held an account with them. Trying to remove my money for rollover was nearly impossible. It took months for them to finally have all the paperwork they seemed to require of my employer, even though my employer claimed to have sent it three times. I am inclined to believe my employer. Then once they finally agreed to process the rollover they casually mentioned a 75 dollar fee to process the transaction on each account. This was news to me, especially since I and my husband had recently rolled over other accounts with no related fees. I was displeased with the service, communication, and plan management.

I have had enough of ING and have forwarded documents to them to transfer my retirement savings plan. That was almost a month ago and ING refuses to sign the transfer documents and forward the money to the new company. What can I do? How can I force ING to comply with my wishes? I have contacted ING via email - with no response. I have tried to talk with their phone people - and get no response because they have to talk to someone and never get back to me.

We have been trying for over a week to get a disbursement from my account with ING. Each time we call we get different answers to our questions. They say they will mail paperwork to us but we never receive anything from them. Not even account information. I also work with another investment company which I will not name but they are great. Any question you receive 1 answer. Any disbursement is a phone call away. I believe that once this company has your money you will have to jump through hoops to get some back. My advice to anyone is stay away from this company and invest somewhere else. Once, if we ever, get my disbursement, I will pull the rest out and put into my other retirement account. I hope everyone who is thinking of investing with this company take another look and go elsewhere.

It's Christmas Eve and I try to withdraw 600EUR (twice!) from an overseas ATM machine but no money was dispensed! An error with the ATOS payment network, so they tell me. I spent three hours (many calls) to ING trying to get access to my money (1,200EUR) that had been "locked" by the ATM provider. They were unable to remove the transaction from my account (even though their head office can do this), nor were they willing to provide an overdraft option until the "lock" had been removed. In other words, ING's policy is to leave their customers in serious financial trouble whilst abroad, due to a third-party error.

ING has provided incompetent and misdirected information and delayed the transfer of funds for my daughter's annuity for education. I began on Sept 5, 2013 and literally spent everyday for 2 weeks educating them on what and where the funds were. I also provided all the legal documentation necessary to secure the transaction at the onset. After 1 week of misinformation and frustration, I begin the full time job of relentless pressure on Sept. 10, 2013. Every day multiple calls and detailed notes to actually get to a point of acknowledgement of transfers. I faxed in 2 transfers of which the CS Annuity line said they only received 1. Then on TR I was contacted by the processing Dept for verification and Hope stated she had physical possession of both W/D forms. CS still did not acknowledge original W/D form. On Friday I began the relentless call approach and notified Bill in CS that I wanted both W/D processed he verified. I spoke w/ Andrea on Friday at 5 PM and she assured me that everything was in order on both W/Ds and the funds were going out.

I hold a retirement account at ING that was originally set up with my prior employer. This account was set up over 20 years ago. I left my former employer mid-2000. In the past, on at least 2 separate occasions, I attempted to move my funds outside of my previous employer's control without success. Without going into great detail on these attempts, suffice it to say I did not have the stamina to deal with the avalanche of roadblocks, paperwork, and wild goose chases put in my path in order to complete the transaction.

ING Direct is one stubborn bank that would never help you in case of hard economic times. I am a father of three and sole bread winner in my family. I have a 5/1 ARM mortgage at 6% with ING Direct and unfortunately, I was laid off in February 2012. Therefore, I contacted ING Direct to help with the mortgage until I find another job. But ING Direct bluntly refused to assist me and continued to push me and threaten to take my home. I was surprised that it is the same bank that made steady payments over the last 4 years and now when I was going through hard times, ING Direct will turn their back on me.

I tried to move my money from my orange savings to my external checking account and my checking account isn’t even on it. I always have to get a customer service person to move it. They moved it the wrong way from my checking into my savings which caused an overdraft in my State Bank of the Lakes account of $30. I contacted ING; they said they would investigate it then sent me a letter stating there were no errors with the interactive phone system and they would not reimburse me. This is definitely your error and if you don’t reimburse me, I will be forced to take all my money out of your bank.

On Wednesday, May 2 2012, I attempted to utilize my ING check card and was told that my card was declined. Upon review of my account, I was alerted that my account was restricted and that my account was set to be closed on Monday, May 7, 2012, once all pending transactions were cleared. I spoke with several "supervisors" (or as ING refers to them, "Sales Captains") and was told that my payroll check would not be accepted into my account. In speaking with Zach, I was told that the restriction would be temporarily lifted in an effort to accept my payroll check, but I would need to call on Friday to determine if I could access my funds. On Thursday, May 3, 2012, I called and spoke with Adam, a supervisor, to confirm that my payroll check would be accepted and that I could access my money. I was told that my check would not be accepted. After re-explaining all that Zach had shared previously, my paycheck was to be accepted and I was to call Friday, while standing in front of an ATM, to determine how much of my payroll check I could access.

ING loan offers are a giant scam. Even with 60% LTV, they'll find a why to deny your loan. I also went to ING to refinance, precluding other avenues. Their appraisal came in 18% lower than an appraisal conducted less than 1 year ago and they priced the home lower than every comparable they identified. They completely refused to consider any information I provided them and refused to provide an explanation, mathematical calculation or any detail around how they arrived at their appraised value. Yes, the Good Faith Estimate is subject to satisfactory appraisal. What ING doesn't tell you is that they'll ignore third party appraisals, recent sales and provide no support for a fictional valuation that they'll use to get out of their Good Faith Estimate if rates rise between when you lock and are set to close.

"Dear Gary,

On November 22, I was informed by ING that my debit card had been compromised and that I would be issued a new card. My old card would be deactivated effective December 5. On December 13, there were multiple fraudulent charges against my account made in California at Brick & Mortar retailers even though I live on the East Coast and have never stepped foot in California. I contacted ING Direct and I was told that they were not sure why I received the email saying my card would be shut off on December 5 and that I would have to wait for the fraudulent charges to post to my account.

What happened to me was simply unacceptable, inhumane and tormenting because of the phone representative named Robbie and a manager at the Customer Service unit of ING Direct. Let alone, I have been a customer since 2004. I have only contacted ING Direct today because I needed my date of birth to be corrected. Robbie misrepresented his intent and motive to me when he asked me if I could verify a past transaction in my account. I gave all the information he asked. After he knew my life for the past few years, I have underwent unnecessary torments of physical incidents as a result of third-party liability incidents of losses, damages, injuries, violations and deprivation of my right and freedom to live my life as the way I was supposed to without these external, uncontrollable and destructive circumstances that more and less likely is related to the inaccurate date of birth that needed to be corrected on my ING Direct savings account.

The company I work for many years had several companies manage the 401k plan for them although there was an option to move a portion of the money in your retirement into a self-managed account handled by State Street Global Markets, LLC. Without warning, my positions were liquidated to my self-managed fund due to the fact that the company I work for switched from ING to Merrill/BofA to manage the account.

We've been trying to roll over a 457 plan for my wife. First, we had to call ING; you can't do it online. We got the paperwork and filled it all out, including a name change form. We included a new social security card and new password. Because it was a 457 plan, we also had to send it to the previous employer who sent it to ING. We got a call from ING later, seemingly trying to get us to not roll it over. Nothing was happening, so we called again a few weeks later and they said it was processing. Nothing was still happening so we called again. We learned that because she signed it with her first and last name, instead of her first, maiden, and last name, they (Judy ** at ING) thought it was fraud. However, they felt no need to contact us. They have sent us a new name change form to fill out. We have no idea if we need to refill out the rollover form, which was many pages long, and send it back to the previous employer.

I applied for an online mortgage loan (refinancing) with ING Direct. I agreed to pay $350 if I accepted the loan offer and did not close the loan. The home appraisal came out to less than what I had expected. I had applied for $137,000 and ING came up with an offer for $118,500 with a loan to value of 75%. The balance on the current mortgage is 130,000. Nowhere in the process was I told that the loan to value in Florida is 75%. Their site seems to indicate a down payment of 20% for primary residences. I called ING and spoke to multiple people culminating with Eric **. I requested that the loan amount be 80% of the appraisal but they said their guidelines are only 75% in Florida. I protested that I wasn't made aware of this during the process. I now have to come up with about $15,000 in cash or forfeit the $350. I requested that since the loan amount they were offering is different from the loan amount I applied for, I should not be held liable for the $350 but ING refused to waive it and kept repeating the same line about me accepting the loan offer. I kept saying that I accepted the loan offer assuming a loan amount of $137,000 but it was to no avail.

I applied for refi cashout loan with ING Direct. They were very irregular in replying. First, they considered my husband self employed even when I told them that he gets a W2. Then just by the time their deadline of offer was to end, they informed me that my application was turned down because of discrepancy in dates on the pay stubs. When I called and asked to talk to the supervisor, he said they had more reasons. Then in the mail, they sent me a letter saying the reason for turning down my application was, "You are not long enough with your employer." My husband is a physician and has been in the group since 1988 Sept. with no break. They charged me $350 for just processing the application.

I got divorced early last year. The house where my ex husband and I purchased was too much for me alone to afford. I decided to call my mortgage to find a way to work out the plan. First, Tyson from ING direct suggested I do a short sale for the house. So I found agent to do the short sale. Then it takes a very long time for him to respond. My agent had been following up with every paperwork that he needed. Unfortunately, the time of respond that Tyson took was too long. It caused my 2nd mortgage to declined the approval that they approved in the first place. I had been waiting for almost a year until I decided for foreclosure.

My husband and I purchased mortgage insurance through Country Wide now Bank of America to protect our financial responsibility to the mortgage company if he were to pass and could no longer make payments. It is my understanding that this type of insurance purchased to protect the benefit of the mortgage company is usually higher. We could have shopped around. Our mortgage was for 15 years and we joined the Pay Plan Program to pay it off hopefully in 10 years.

After initial qualification for a home refinance with ING Direct, I paid the $350.00 application fee and began the long refinance process. After submitting all of the required paperwork and income documentation, a few weeks later, ING had an appraisal conducted of my home. I was there for the appraisal, and the appraisor seemed very pleased with the house and said that he had no concerns with the valuation. A couple days after the appraisal, I received a letter in the mail saying that my refinance was denied because I had an "unacceptable property." (I should mention here that it is a contemporary style home valued at $320,000, and I was requesting a mortgage of $175,000).

I contacted ING to have them transfer some of my funds back into my checking account, as I have an emergency situation. I was told with the first person I spoke too said that I never set a PIN up therefore she cannot help me. I asked for her supervisor was transferred to a Ryan who I went through all my security questions again with. He told me they would mail me a PIN number and I would have it in 5 - 7 business days, and that I would have to call from my home phone to activate the PIN. I told him I no longer have that phone number and gave him my new number. He put me on hold where I got disconnected.

On March 22, 2010 at 8:30 a.m., I spoke to a male representative named Rod in the ING Direct customer service call center regarding an issue with my account. I was questioning a money transfer I had made between this account and an account I had with another bank. I voiced my concerns over the issue. The representative was dismissive and did not even bother asking me for my account information, telling me that if I had bothered to read the member agreement when I signed up for the account, then I wouldn't have to call because I would already know the answer to my question. He was rude, arrogant, and downright condescending.

ING Direct has yet to return my funds from the NetBank closing. I have filed complaints with the OTS, FDIC and the banking arm of the Federal Reserve but still no money

multipul number of answers and they all say that they are sending me a Welcome kit and a number to access my account. I did change the address to 10404 Portland ave. Hesperia Ca. Telephone # 760 2445397 and I have reported that to ING Several times.

Was not allowed to access any of my money. Their website gave me a problem in entering a pin #, so we called to get it fixed. Was told they would send me a new one, and it would take a week to get and I would not be able to access my money. My myself and my joint account holder called, our identities were verified, all info they asked was verified, yet, they told us they couldn't do anything for us until we receive a pin # in the mail. I asked them for any other options, or if they could rush a pin, I would've paid extra, they told me no. They refused to help me, were rude, didn't care, told me I shouldn't have put all my money in that account.

Settlement statement had incorrect charges. Bad customer service and response when I called them to resolve these issues.