CIGNA Corporation Informative - Don't Believe Everything You Are Told
This could be a complaint, but I would rather it be more informative.
When I returned home on September 29, I had a couple of checks from Cigna for health care that I had paid for in Singapore. Since I have an electronic funds transfer set up, where all my claim payments go into my checking account at home, I called to see if I should cash these checks. I might add that they had previously issued a couple of checks that should have gone direct deposit, canceled them and then reissued the money directly into my account.
One of the checks I recognized as being deposited into my account electronically, the other I did not, so I asked the csa if her records indicated that this check had been cancelled or was it in the process of being cancelled. That way, I could shred it or deposit it, whatever the case.
The csa was a big help in looking it up for me and stated that the check had not been cancelled and I was free to deposit it. She also assured me that it would not bounce when I questioned her about a possible cancellation. So, that day, September 30, I merrily drove to my credit union and deposited the check. Much to my dismay, yesterday, October 7, I noticed the check had been returned and I was charged an $8 service fee(!) Yep.
When I called Cigna regarding this returned check and the fact that I still did not have the funds electronically, they said that they were being deposited today (October 8). (Yes, they are there now.)
I guess my point is you just can't believe everything they tell you when you call. The check was dated 9-6-09 and really should have been cancelled long before it was and the funds deposited into my account. It ended up costing me $8 for something beyond my control, and I can see how the amount deposited could have screwed up someone's account if they were cutting it closer than I do. ($8 plus $230) Next time I will call--wait a week--then call again. You can never be too careful with some of these companies.
I asked them how this happened and they said it was a lag in the time it was cancelled and when they entered it into their system. I wonder why they don't enter it into the system immediately so their csa's can give the correct information? I definitely don't blame the csa.