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Aflac - It's a Hassle to Cancel and Easy to Join. They Make It Easy to Get Your Money and Harder to Get It Back.
Complaint
Review by charlsiepayne on 2012-09-29
Rating: 
DALLAS, TEXAS -- I signed up for Insurance in December and tried to cancel because I realized I have to pay out of pocket first and then they will reimburse me and I just didn't have the upfront cash. The first time I called and cancelled it wasn't done. The second time I called to cancel they said they didn't see any notes of me canceling and charged me. Told me in order to get that money back I would have to fax them a letter stating what happened.
I decided it was too much of a hassle and forget it. It was just $30. Then I was charged the 3rd month and when I called and explained everything all over again they told me this time they had notes and would send me a refund check. They never explained that I would need to send a signed written note again. A week or two later (now) they send me a letter instead of my money saying that I have to send them a signed written authorization to verify that I want to cancel. What?
Was my word of mouth over the phone 3 times not good enough? Did the fact that I gave them all the security information they needed to know that I am the policy holder? Did I not already give you over $200 a month that I never used? And you are telling me you can refund me back my lousy $30 (only by check, of course). They make it very easy by going through your bank and having all access to your account to take my $30 monthly but when you want your money from a mistake that they made you have to go through a process. This is the worst service I have ever had and I will tell my company that employees over 300 people, that let them come in monthly and offer their services, to not receive anymore services from this company because of the termoil they will take you through. It is cheaper and the customer service is better with a real insurance company and less of a hassle!
I decided it was too much of a hassle and forget it. It was just $30. Then I was charged the 3rd month and when I called and explained everything all over again they told me this time they had notes and would send me a refund check. They never explained that I would need to send a signed written note again. A week or two later (now) they send me a letter instead of my money saying that I have to send them a signed written authorization to verify that I want to cancel. What?
Was my word of mouth over the phone 3 times not good enough? Did the fact that I gave them all the security information they needed to know that I am the policy holder? Did I not already give you over $200 a month that I never used? And you are telling me you can refund me back my lousy $30 (only by check, of course). They make it very easy by going through your bank and having all access to your account to take my $30 monthly but when you want your money from a mistake that they made you have to go through a process. This is the worst service I have ever had and I will tell my company that employees over 300 people, that let them come in monthly and offer their services, to not receive anymore services from this company because of the termoil they will take you through. It is cheaper and the customer service is better with a real insurance company and less of a hassle!
Comments:
Posted by jonthethird on 2012-09-30:
Most such agencies want something in writing to protect themselves. What would happen if they cancelled your insurance in error, stopped taking the money out, and then you filed a claim thinking you were still insured?
Posted by CowboyFan on 2012-10-01:
Like most people, the OP thinks that they can simply call up and that resolves the matter. A prudent person would always follow up on such a matter with a letter, sent certified/return receipt, so that there would be evidence they cancelled. This protects both the consumer and the company.
It is the failure to follow up in writing that caused the problem, not the company's policy. That one called on the telephone constitutes "no" proof that one cancelled it, or did whatever else one wants to do. Written letters on major matters is the best advice in any such situation.
It is the failure to follow up in writing that caused the problem, not the company's policy. That one called on the telephone constitutes "no" proof that one cancelled it, or did whatever else one wants to do. Written letters on major matters is the best advice in any such situation.
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