• Report: #660942

Complaint Review: American General Life & Acc. Ins. Co.

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  • Submitted: Thu, November 11, 2010
  • Updated: Sun, November 14, 2010

  • Reported By: Cindy — Murfreesboro Tennessee United States of America
American General Life & Acc. Ins. Co.
American General Center Nashville, Tennessee United States of America

American General Life & Acc. Ins. Co. Let me be frauded out of Insurance Policies Nashville, Tennessee

*Author of original report: American General has engaged in some bad faith and unfair business practices.

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This Insurance Company American General Life & Accident Insurance Company headquartered  in Nasville, Tn. has engaged in unfair and bad faith business practices by going along with others hiding the fact that I was ever the beneficiay on any insurance policies and this has been going on for years. They have completely ignored thier responsibility in this matter knowing darn good and well they have the power to prevent me from getting justice in this matter. I will briefly tell my story about how this all got started. I was frauded out of two life  insurance policies. The first one I was frauded out of by the deseased family members, the agent and a lady that he worked with. This happen by them getting a change of beneficiary form sent in just four days before he passed away when he was not of sound mind. He was home from the hospital all medicated up and was cohersed. I know this because the deseased had informed me that he was leaving me as the beneficiary on the policies. Further this lady that witnessed the form had called me two weeks before he died and told me that I was welcome to come and see him but he would not know who I was. Then this form was sent in illegally four days before. it was like she was pumping me for information. But I did not volunteer any thing because it was none of her business. Any way the company went ahead and paid that claim out knowing I was the beneficiary and had made claims with them and the     agent just  four days before he passed. They did this a month after he passed because of listening to the all the judgement of I know the agent is involved because of the way he treated me two months after the fact. This man treated me  not even like a person he kept asking I want to know what you know. He kept saying you can get four or fivee attorneys it will just cost you a bunch of money. And if can be believed this grown man statrted cracking up laughing. And guess what the company then lied about him being the selling agent. Along with denying that I was ever beneficiary on any policies what so ever. Then there was another policy that I was the beneficiary on and was frauded out of. This was done by someone that the deseased tried to  trust with the policies. This man would not even known the deseased if it wasn't for me. It was the worst mistake the deseased could of done but he knew that I was in love with him at the time. And he thought it was the right thing to do. Anyway this man with held this information from me by not speaking up in the  beginning. He chose to keep quite about what had happened with the first policy and then started his plan. I  know this because of all that was being said and what the agent had told me when I called him four days after the man died and was making a claim. The agent said then that  some man had called him 20 minutes before I had. I started to hear things like we are not going to conspire against you Cindy and that agent did not force that company to write that check on the other  policy. So I defended him for a while untill I got wise to what was going on. I started to  hear things like Keith wishes he would of given the policies to you Cindy. Things like would you agree to have a checking account with him. His family was putting people up to saying these things to me and much more like if you continue to defend Keith Cindy his attorney will help you. Even things like it was Keith's attorney who forged your name to relieve your mind of your mother. Just got wise to the manupulation. Finally after the company lying that I was the beneficiary on any policies, the state not doing anything after being interrogated by the investigator I had hired who told me that maybe they thought you was a gold digger and was going to share that money with Keith. Finally after trying with the company to get something done the state and other agencies a year later I contacted a man with Met Life that giveme the proof I was the beneficiary on at least one poliecy for three hundred thousand. This man was talking with some at the company who said all the proper claim forms would be sent out to get me paid. But this never happened. Then this same man called me two months later to ask me what happened. I told him nothing of course and he said that the policy that the company claimed paid out for fifteen thousand was for one hundred thousand. A investigator that I was working with told me that someone from the company must of puy him up to telling me that to see if I would settle  for four hundred thousand to relieve the company of a law suite and having to recover some of thier money. And I would of at that time. This was the policy that Keith was involved in trying to get me frauded out of with some of my family's help. They all had a plan to get the company to go along with this and keep it dragging out. And guess what it worked. I was even being told if the company thinks they have enough people on thier side they will get away with this. So I started consistently getting with state and local goverment officials. Then after this man from Met Life give this information if can be believed the company said there is no way he did it. Later I got with the state represenative in Ohio whom wrote a letter to the state saying it was ludicrious how this company could get away with claiming thier file was lost. Told me we need to get someone to subpoena those records to prove the company wrote Keith a check on that secound policy. So I got with  a lady at legal aid who agreed to file a discovery action to get the policies. Needless to say she ends up turning on me after telling me this is a six million dollar case not a six hundred thousand dollar one and then lied about telling me that,  not only that but told me she did not appreciate me telling people  she was representing me. By that time Keith knew of everyone I was talking to and I am sure was involved in this. But guess what happens the company gets by with not sending the courts the policies. By that time we had Keith's attorney involved who knew the judge and I was screwed. The next step was the state promising to file a law  suite because of a internal phone log I had obtained that caught the company in a lie about the file being lost. This never happened. It seem to be a never ending thing of people standing in the way of me getting no justice. I even contacted a coupleof years later the same man at the state who was involved in agreeing to file suite against the company the chief of enforsement division. All he could do was blame the investigators I had hired for taking advantage of me. Totally neglecting the fact that the state was obligated by law. This is just the beginning of all of this. God knows I have been through so much all  these  years contacting so many people, it is current affair material. I even had an attorney tell me years ago this was something for current affair.  I have had attorney's tell me this was a ten million dollar case depending how long you wanted to waite. And I can't even begin to tell here what all has taken place, I am just trying to give some basic facts that got it all started. I can prove through documents how many times I have contacted. I can prove that I was the beneficiary with documents. One is a internal phone log from the company stating Cindy Naething was beneficiary date in to whom it was changed. I think I obtained that one time through an attorney who did not follow up with. But of course the company has lied about me ever being beneficiary. I have a page of investigators report stating you where beneficiary at one time but had been removed and the only way the company would talk would be with a court order. because you had called and caused to much trouble. In which everyone knows it was not me. I have a tape recording of this man from Met Life  proving that I was beneficiary on a policy for three hundred thousand and all. I have an investigator recorded that give me the same information, he even had invoice numbers and all. I have another investigator telling me that we where working toward a fraud case and that was one thing we had on our side that I was the beneficiary and didn't want anyone to know what our plan of attach was. i recorded the lady from the company denying I was ever the beneficiary and even lying about what the man from Met Life told me. I have recorded the lady from the company lying and saying no information could be found in thier computer. Then the man from the state of Tn.  telling me the only thing left in thier computer now is a policy was paid a year and half after death. Even the investigator telling me that they had blocked out thier computers. I also have recorded the lady from the state of Ohio promising to file a law suite and then later turning around and having the nerve to say we have done everything we could for you Cindy. This insurance company has engaged in all of this all these years. Since I have been here in Tn for over five years now because the company is headquartered in Tn. God as my witness how hard I have tried to communicate with them to get this settled up showing my sincerity. I have went to the ultimate extreme with them but they are not lying now about me being the beneficiary but are using the courts as an excuse. Knowing darn well why they got by with not sending the documents to the courts. With all the people that where involved back there in Ohio. Then they known darn well why I have been denied my due process of law. I have to womder how they sleep at night knowing they have never provided these policies to anyone. So far I have not been able to get my story told through the media in which is my last resort. This company has forced me to go to every extreme into getting attention over this. And it can all be proven. I hope I have provided enough information and not to much because I had to get some facts told.

This report was posted on Ripoff Report on 11/11/2010 04:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-General-Life-Acc-Ins-Co/Nashville-Tennessee-/American-General-Life-Acc-Ins-Co-Let-me-be-frauded-out-of-Insurance-Policies-Nashvil-660942. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Author of original report

American General has engaged in some bad faith and unfair business practices.

AUTHOR: NaethingCindy Naething - (United States of America)

This insurance company American General Life & Accident Insurance Co. headquartered in  Nashville, Tn. has went along with others hiding the fact that I was the beneficiary on two very large insurance policies. They went along with this for years and still to this day are ignoring thier responsibilty in this matter.

The first policy that I was frauded out of was done by family members of the deseased Marty and the selling agent. I know this because Marty had informed me that he was leaving me as the beneficiary on all his life contracts. I was even on his work policy with Aetna.

What happen was these people sent a change form into the company just four days before he died when he was not of sound mind. I know this because this lady that witnessed that form had called me two weeks before he passed and told me I was welcome to come and see him but he would not know  who I was because of all the medication. She also tells me that Sandy was panicing because she knew of nothing in her name. The man was with out a doubt cohersed four days before he dies to do this.

I  know the agents involvement because of the way he treated me two months later. This man kept asking me I want to know what you know told me you can get four or five attorney's It will just cost you a bunch of money. If imaginable this grown man the started cracking up laughing.

The company had paid that policy because of listening to the judgement of me and believing I did not have proof. They started lying about me being the beneficiary on any policies. Knowing that I had made claims with the agent four days after Marty dies and then the company.

I finally got with a local agent with Met Life who give me the proof that I was the beneficiary for three hundred thousand. And the company was getting all the proper claim forms together to get me paid. This was a year later if can be believed but never happened. This same man from Met Life called me back two months later asking me what had happened. And told me that the policy that the company had been claiming was in the amount of fifteen thousand was actuall for one hundred thousand.

An investigator I had at the time told me that someone from the company more than likely put him up to telling me that to feel me out to see If I would settle for four hundred thousand to relieve the company of a law suite and having to recover some of thier money. The sad thing is at that time I would of. But this company was not trying to communicate directly with me. Instead they where listening to the next person I will tell about and his manipulation and plan. 

This man was involved because Marty tried to trust him with the policies. He thought he had control because he had them and got other people involved in frauding me out of the second policy. He with held the information from me about what had happened with the first one and had a plan to manipulate the other one. In other words get the company to go along with this and make the case drag out longer and be worth more money. And guess what the plan worked because he was able to accomplish this. The company went along with it and denied me.

Not only did the company start denying that I was ever the beneficiary but actually told me that this man from Met Life had not given me the information he had. I had people telling me if the company thinks they have enough people on thier side they will get away with it.

I had to start hearing we are not  going to conspire against you Cindy. And Keith wishes he would of given the policies to you. And what do you think about Keith and you having a joint checking account. It was Keith's attorney who forged your name on that other policy. So many things where going on and being said I can't even begin to tell it all.

I was dealing with the state promising to file suite and then not doing it.  to the state represenative writing the state saying it was ludicrious that this company cooould get by with claiming thier file was lost. and then saying to me that we need to get some one to file a suite to get those records to prove that the company wrote Keith a check on that one policy. 

Then I get with a lady at legal aid who said she would file for discovery action to get all the records. Told me this was not a six hundred thousand dollar case but a six million dollar one. And then denied saying that to me. Not only that but told me she did not appreciate me telling people she was representing me. It was unreal.

By that time I had dealt with attorneys telling me that this was something for current affair and this could be a ten million dollar case depending on how long you wanted to waite. The state telling me if you want your money keep fighting.Just so much for one person to handle.

The next important issue was the state promising to file a law suite because of the internal phone log that I had provided them catching the company up in a lie about the file being lost in which never happened. Me getting no justice in this matter has not stopped. I have been to so many state and local goverment officials in most states that it is almost unimaginable.

The next very important issue was one of my trips trying with the company and me being here in Tn. Was with the state represenative for Davidson County being on a three way call with a lady at the company asking me if I wanted conspiracy money in which at that time I said no. But this did no good.

God knows I have tried so hard with this company in the last five years writing them trying to show my sincerity and let them knew I knew that even though they where ultimately responsible for going alond with all of this. I knew there was a lot of quilty people. But this has not done me one bit of good. They are now not claiming I was not beneficiary but are using the courts ruling in thier favor. Knowing darn good and well why they got by with not sending the polcies in the discovery. Because of people plan that they have been well aware of for a long time now.

They also know that I have been denied my due process of law. they know that I have been screwed over and over again. But continue to ignore this. They have left me with no choice but to seek media attention in this matter. I did not live all these years of being denied that I was the beneficiary on some life policies to let this go. I did not live all these years with my rights being denied and this poor mans wishes not honored to let this go.

I am in possession of all the documents from different agencies . I am in possession of all the letters written to the company. I have an internal phone log that I had obtained one time from an attorney stating Cindy was beneficiary date and to whom it was changed. I am holding a page from an investigators report saying you where beneficiary at one time but had been removed. And the only way the company would talk would be with a court order because you had called and caused to much trouble. In which I was not  the one doing it and they know it.

I  have a tape recording of the man from Met Life that found out I was the beneficiary for three hundred thousand. I have a recording of the investigator who also found out that I was the beneficiary on a policy for three hundred thousand. Him saying the company  was denying I was ever the beneficiary. Him giving me the invoice numbers and all. When policies where taken out. Dates and all. Also slipping up and saying there was a policy for three hundred thousand plus. 

There is a recording of an investigator whom give me the information that we where working on a fraud case, that this was one thing we had on our side that I was the beneficiary and he just didn't want anyone to know what the plan of attach was.

There is also a recording of the company lying and saying that this man from Met Life had not giving me this information he did. there is  the company denying I was ever the beneficiary on any of thier policies. Even lying about no information being able to be found though thier computer when the investigator had told me that they had blocked out thier computer. Even the man  from the state in Tn. even told me that the only thing left in thier computer was there was a policy paid a year and a half after the fact. Its  all so unreal.

I have a recording of the state from Ohio promising to file the law suite to get the documents and then nothing and then her trying to claim that they did everything they could. I also have a recording of the secretary from the president of American General trying to tell me at one point you need to think about letting this go. And trust me I let her know that this would never happen.

I am at my wits end with what has been done to me over this, and desperately need some justice once in for all. If there is anyone with any suggestions please let me know.

 

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