Formal Complaint About Unauthorized Policies and Fraudulent Withdrawals by a Medicare Supplemental Insurance Provider
To: Relevant Authorities and Online Review Platforms
Complaint Details:
1. Unauthorized Enrollment: While my spouse and I were overseas from approximately June, 2025 to Oct, 2025, a sales agent fraudulently enrolled us in Medicare supplemental insurance policies without our knowledge or consent. We did not request these policies, did not sign any application, and were completely unaware of their existence.
2. Unauthorized Bank Withdrawals: Upon our return in Sept. 29th, 2025, we discovered that the provider had initiated automatic withdrawals from our bank account over a four-month period (June 2025 through October 2025). The total amount taken without our authorization is $388.78.
3. Immediate Action Taken: As soon as we discovered the issue (in October 2025), we immediately:
o Contacted the provider to report the fraudulent policies.
o Demanded the immediate cancellation of all unauthorized policies.
o Requested a full refund of all premiums illegally withdrawn from our account.
4. Inadequate Response: Despite clear evidence that these policies were obtained through fraudulent means (no consent, no signatures, we were out of the country), the provider has refused to provide a full refund. They have cited that we are outside a "permitted cancellation grace period." This reasoning is fundamentally unfair and illogical, as the grace period could not possibly apply to policies we never applied for, received, or used, and about which we were unaware due to international travel.
5. Core Issue & Demand: The provider is holding us responsible for a grace period that presupposes legitimate enrollment. This situation originated in fraud, and the company is effectively penalizing us for not discovering a theft we could not have known about while abroad. We believe this constitutes an unfair and deceptive practice.
Specific Requests for Resolution:
• Immediate and formal cancellation of all fraudulently issued policies, retroactive to their start date.
• A full refund of $388.78, representing all premiums withdrawn without authorization.
• An investigation into the sales agent who fraudulently enrolled us.
• Correction of our records to show no lapse in desired coverage and no voluntary enrollment in these policies.
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