National Union Fire Insurance Co. of Pittsburgh, PA reviews and complaints

PS as for solicitors and telemarketers, I have the perfect solution... unplug your house phone and call back all the people that are relevant in your life. This robo-calling is very annoying.

I noticed a debit charge from National Union Fire Ins. and called my bank immediately. I never heard of this insurance so they must have gotten my info fraudulently. I've checked my bank accounts daily because years ago, before I used online banking, Bank of America was extracting money for various fees from my account without my permission. They reimbursed the fees and now I check my accounts thoroughly every day. It's hard enough keeping up with life and its responsibilities but we have to also mire through the mud with these fraudulent characters at every corner.

I'm feeling rather stupid, due to this company and their very questionable business practices. I called to question a charge of $29.46 to my credit card, to be told that it was for an "accident insurance" policy that had been in effect for 45 months! Holy crap! I hate to think that neither my wife or I had noticed such a strange charge for nearly 4 years! That would indicate that these people have fleeced me to a tune of over $1300.00! I called the number that appeared on my statement and my call was answered by a reasonably professional-sounding csr. He promised to have a letter sent to me which will supposedly show my "signature", accepting this plan. Checking online, I find that I must have lots of company on this company's "casualty list"! I'd like to hear whether or not anyone has had any success in receiving any refunded premiums? Thanks!
Robert

I for one is a victim of this insurance company for almost six years. I discovered that they have been stealing from my bank account since 2009. It was $24.95 monthly deduction that i have overlooked until last month. I immediately notified wells fargo to stop the deductions. Does anybody know how i could get refunded? i don't even have an policy in my hand. Emy17@sbcglobal.Net

Please be sure you report your experiences with National Union Fire Insurance to your local Attorney General. ESPECIALLY THOSE OF YOU WHO THINK YOU HAVE NEVER WORKED WITH THIS COMPANY AND RECEIVE A LETTER ASKING FOR PAYMENT ON A POLICY THAT HAS LAPSED. You may have been paying on a policy you were unaware of and may be able to get your money (that you didn't know you were sending them) back.

This is long, but please bear with me. It's worth it.

Like some of you above, I received a letter out of the blue telling me that my policy had expired and I needed to pay a premium now in order to keep it active. I had no idea who this company was and was certain that I had NEVER EVER done business with them. I tried to call and find out more about this supposed policy (the letter contained no mention about what type of policy it was, what was covered, etc. -- simply that I owed a premium on it). They were unwilling to share any information unless I confirmed quite a bit of personal information. Certainly more than I was willing to share with a company I had never done business with and who was sending me unsolicited letters asking for money for a supposed policy I had with them. So after getting nowhere with a CSR and a supervisor, I hung up.

My husband took the letter we received and sent a copy of it, along with a letter from us explaining why we thought it might be a scam to our local Attorney General. The AG kept us informed as they made at least two attempts to contact National Union. They then sent us a copy of a reply saying that AIG would look into the matter.

About two weeks later, I came home to an envelope from LOTSOLUTIONS that looked like a check. It was a check. A valid check for about $1500 made out to me and referencing National Union. I was bewildered. As far as I knew, I had never actually paid into this company or had any policy with them. So why were they sending me a check and for that kind of money? How could I not have known I'd paid them close to $1500? I called back in to National Union to try to find out more. This time, since I had an actual check in hand and a supervisor who was willing to trade enough of my personal information with me for me to know that they already had it all (and I was just confirming info they had not divulging information), I was able to "verify" my account and find out the back story.

Apparently, my mortgage company had "partnered" with National Union to offer supplemental accident insurance. Their story is that they called me in 2006 to offer me this policy over the phone and I agreed to a 2-month trial. (By the way, I absolutely did not and I still believe that part is a scam. I seriously had no idea this policy EXISTED until now. If i'd had an accident at my home, I would never have thought to file a claim because I didn't know I had a policy. And I'm not the kind of person who EVER agrees to phone solicitations like these.) Anyway, their story is that I took the trial and never cancelled. So they have been charging me $14.95 a month since 2006 DIRECTLY ON MY MORTGAGE STATEMENT. I pay my mortgage electronically and, except when there's a change in the escrow amount, never pay any attention to the actual statement. So I had never noticed this $14.95 charge. Earlier this year, I did refinance my mortgage, though, which effectively cancelled the host that this parasite had attached itself to. So suddenly, they weren't getting my $14.95 a month anymore. And they wanted it. So that triggered the letter I received (and I received two more after the first one).

The simple act of opening an investigation with my Attorney General led AIG and National Union to reimburse me for every single $14.95 payment I've made since 2006, no questions asked. And no explanations either. The check came without a letter, apologetic, explanatory, or otherwise. I'm guessing their hope is that you'll just cash it, thank your lucky stars, and move on. That you won't question their tactics or how they were able to attach themselves to your mortgage in the first place. Because they know that if you did start digging in, their fraudulent tactics would be exposed.

I WANT TO MAKE SURE THAT EACH AND EVERY ONE OF YOU WHO RECEIVED AN OUT-OF-THE-BLUE LETTER FROM THIS INSURANCE COMPANY ASKING FOR PAYMENT ON A POLICY (THAT YOU DON'T RECOGNIZE) AWARE THAT YOU ARE PROBABLY ALREADY PAYING THIS COMPANY, AND MAY BE ABLE TO GET THE MONEY (THAT YOU DIDN'T EVEN KNOW YOU WERE LOSING) BACK.

Please report the letter you receive to your local Attorney General and ask them to investigate. And please share this story widely.

And to the Customer Service Reps for National Union who have posted on here, please let me say that they're selling you a bill of goods if they tell you that every one of their customers knowingly entered into a contract (e.g., took a gas card or gift card in exchange for trying out the service, or had the chance to "opt out" of a service that was clearly communicated to them). While I can't verify that I never got a telemarketing solicitation or an "offer" in the mail, I can verify that I NEVER EVER took them up on a trial period and never knowingly didn't respond to something that I was clear required an answer, or were just too lazy to read their mail. I read the paperwork when I started my mortgage. And this policy didn't get added on until year 3, a point at which my mortgage payments were fully on autopilot. And the payee is listed in such a way that it is relatively ambiguous. It would take an eagle eye to notice it, recognize it for what it is, and know enough to call and cancel something that you didn't even know you had been offered. I guarantee you there are thousands of us out there paying for a policy that we can't even BENEFIT FROM because we don't even know we have it. And that's the company you work for. That's the truth.

- Attorney Advertisement -
We are investigating the National Union Fire Insurance Company (“NUFIC”) and American International Group, Inc. (“AIG“) for a potential class action lawsuit concerning (1) allegations of billing issues / automatic bank charges not agreed to by consumers (2) calls that may have been placed to cell phones without prior authorization. If you have any information that could be helpful, you are welcome to contact us. See http://wp.me/p1BWsw-1Tz

LEONARD LAW OFFICE, LLP
www.theleonardlawoffice.com
pleonard@theleonardlawoffice.com
[protected]

I am a huntington bank customer and just recieved these charges on my account. I did not authorize this, I did not get a gas card or sigh up for some kind of promotion. My bank is adamant that they did not give my account information to them, but admits they do advertize for them. I did fail to notice the 17.85 bill the first two times it appeared on my statement. I filed a dispute with my bank, and now have to wait till tomorrow to contact this bogus insurance agency to cancel as it is sunday. Does anyone have any class action information for this agency? My bank says they sent me information telling me i would be given a year free trial, and if i didnt respond, i was signed up. Then, a year later, i was sent another flyer with my statements telling me my account is going to be upgraded.. again, i did not respond, so they took it as consent, and here I am being billed. It seems to me with the number of complaints about this that i have seen we should be getting together and suing this agency AND our banks. Not reponding to a piece of junk mail they toss in with your statement is NOT authorization to sign me up and bill me. Ignoring an advertizment is not consent by silence, it is a refusal.

Regions bank hooked and crooked me up with this company. After years of premiums they do not pay out when you would expect.
My recommendation stay away from National Union Fire Insurance Company and Regions Bank

They are a HORRIBLE insurance copany. File a claim and you will see what Im saying. They first tell you that it will take 14 BUSINESS days to get the claim, then it gets processes. Then here comes the surprise. they wanted police report, copy of estimate for my car then they wanted final hospital bill and discharge paperwork. There reason was I was claiming for hospital stay from a auto accident. Once they get this there is ANOTHER 14 BUSINESS days to process claim. It took me over 4 months from date of filing to get paid. They have the automated machine to call you to tell you that your claims been approved and you think wow Im finally getting paid. Well the check is actually mailed out 11 to 14 more days later and you might get your check in 14 to 21 days. HORRIBLE company, slow as a turtle in paying claims.

My mother has been completely ripped off by this company! Do not do business with them! She is 77, functionally deaf, and has been taken advantage of..I’m at my wit’s end trying to work with National Union Fire Insurance Company my mother's behalf and am getting nowhere. The company has stolen $2, 540.40 over the past 9+ years from my mother; $3, 445.00 with interest. They did it after signing her up for insurance without her consent and auto-withdrawing the monthly premiums from her bank account. They refuse to assist me, and continue to lie to me. My next step is to take the company to court. I think a class action lawsuit, seems like thousands of people have been wronged by these people.
When my mother retired completely, she started tracking her spending carefully. She noticed some incidental "Key Bank" line item charges ($5.95 and $15.95) on her bank statements which she thought were for overdraft protection or purchase insurance, but she wasn't sure. Because she can't hear over the phone she asked me to investigate these charges. I called Key Bank and was told that these charges were not Key Bank charges, even though they were listed that way on the statement. In fact, they were charges from NUFIS. I was very surprised. The Key Bank employee gave me the phone number for the company, and we contacted them. They told us my mother signed up for two insurance policies, these were the monthly premium charges. We requested a copy of the policies be mailed to my mother right away so we could review them.
The policies never came. In February, 2012 I called the company again to request a copy of the policies and inquire how and when she signed up for them. I was told my mother signed up for the insurance policies over the phone on September 11, 2002. I told the company representative that my mother did not have any memory of signing up for this insurance, that she is functionally deaf and would never agree to any financial contracts over the phone. They insisted that she had. I asked why the line item on the bank statements says, “Key Bank”, not NUFIC. They said they were partners with Key Bank and offered their insurance through Key Bank. I called Key Bank and they flatly denied the partnership with NUFIC. They also said there had received several customer complaints of fraud against this company. The entire arrangement started to smell fishy.
When the policies finally came, my mother again said she never signed up for them and had never seen them before. After reading them, the policies appeared to be useless in nearly every scenario, and don't pay out on insured people over 70. On March 6, 2012 I called the company again and told them there is no way my mother signed up for this insurance, that she is a functionally deaf senior citizen who does not enter financial contracts over the phone. I said they needed to refund all the premiums she had paid to date or I would take further action. The representative, Ebony Jordan Woods, told me that she agreed and they would refund all premiums paid within 7-10 business days. The check never came.
I contacted the company again on June 11, 2012. I was told the policies had been closed on March 6, 2012 and that Ebony Jordan Woods made note on the file: "customer requested policies closed. no refund requested." I told the representative that was a complete lie, that the conversation was on speaker phone in the presence of my sister who would verify what I'd said. I again requested that the premiums be refunded immediately or I would file a complaint with the Insurance Commissioner, that what they had done was illegal. I was told there was nothing the representative could do to help me, that only a Senior Policy Analyst could help me and I would be contacted in 7-10 business days. I filed claims with the Insurance Commissioners for Washington State, New York, and Pennsylvania.
On June 13, 2012 I contacted the company again. This time I was told by Mike Daly that the original recorded conversation needed to be retrieved from archives. He said nothing could be done until it could be retrieved from archives, and that process would take another 7-10 business days. I told the representative this was the first I'd heard of the archive retrieval and was very frustrated by the continued delay.
On June 14, 2012 Troy Thomas, Senior Policy Analyst for the company contacted me. He reiterated that the recorded conversation needed to be requested and that process could take 7-10 business days. He told me he would get back to me with a resolution by June 22, 2012.
June 22 came and I didn’t hear from Mr. Thomas. I called the company and spoke with Anna Wade. She told me the premiums had been refunded back to my mother's account. I said I was surprised because Mr. Thomas said he would let me know what the resolution was and he had never contacted me. (The bank never received a refund.)
I told the representative I wished Mr. Thomas had contacted me, that I had been directed to seek interest damages in addition to the original premiums. She said they couldn't pay interest, only the premiums paid. I reminded the representative, Anna Wade, that National Union Fire Insurance Company had illegally taken control of my mother’s money for nearly 10 years, and the interest on that sum was substantial. She said there was nothing she could do because the policies were closed. I reminded her that the courts in the State of Washington allowed triple damages in a case where theft such as this occurs. She told me a Senior Policy Analyst would contact me within 7-10 business days to discuss my complaint. I told her this was absolutely not acceptable. June 25 I called again, still no refund to my mother's account and got the same run-around.
I am completely at my wit’s end with this company. They seem to think they can steal from people, provide no service whatsoever, and not have to pay a price for their bad business practices. I will pursue this in the courts, this needs to stop.