Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:09/26/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Alliance and Associates is a subdivision contracted by Patriot Growth Insurance Services, Alliance has some serious problems, Patriots oversight over their employees is non existent, they hang up the phone when it gets close to the end of business hours, have little experience of the issues for policies, hang up if they don't know an answer to a question, example, ***** and *****, I personally have a time deadline, been trying to reach ******** of Alliance and associates for some days now with no results, **** answers and hangs up the phone.. Patriot Growth Insurance Services has set the model for malingering allowances in thier companies, which is why they have no viable responsible representative for thier company who is contactable, of low concern for thier ceo **** *******

  

  Business Response

  Date: 09/27/2024

  Good afternoon,

  T**** you for bringing this matter to our attention.

  Mr. *****'s policy was non-renewed on June 30th, 2024 due to a lack of proof of repairs. Our first contact with Mr. ***** was when he called our office on July 22, 2024 to provide the requested documents. Throughout August and September, there were several exchanges between Mr. ***** and our agency.

  Unfortunately, the insured faced challenges in reaching his appointed agent and encountered further difficulties with navigating our phone system, including being transferred to our health department who were unable to assist him.

  We have since been in contact with the insured and were able to secure a new policy which became effective on September 26, 2024.

  We acknowledge that his experience in reaching the appropriate contacts was frustrating. The inability to connect with his agent coupled with the disconnects, contributed to his negative experience. We are actively working on improvements to our phone systems to prevent such issues in the future.

  We sincerely apologize for the inconvenience Mr. ***** face and appreciate his patience throughout the process. Please feel free to contact us should you have any further questions or require additional information.

  Thank you,
  ****** ******
  Operations Manager

  Customer Answer

  Date: 10/03/2024

  Thanks, my response is that the agency did pick up the ball at the latter end of my attempts to reach an appropriate representative, their help was in fact successful to finish the policy demands, however, the individuals specified previously as principles of the complaint had nothing to do with ' Mr. ******* difficulties '.. the agency does seem to have some unusual phone problems, but phone problems don't justify slick remarks made employees, the agency also has very cleverly and purposely obscured contact procedures for supervisors, parties that are, or should be responsible, who wish to hide from contact, seem to suggest something in their part to hide, some or most of their employees probably realize this, and so feel confident in their discusting behavior, it's kind of encouraged by thier supervisors..

   

• Initial Complaint

  Date:04/23/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying to get a hold of my agent ********************* regarding my application for the HealthCare marketplace for the past month so that I could update my application because of a move. apparently she refuses to give me a call back no matter how many attempts I've made to leave her messages. if this company is legit they need to call me back where she needs to have somebody call me back. I've also reached out to the company itself and no one is answering my calls. I have waited on hold for a very long time only to be told by the automated system that there's no one to take my call. when I pressed one to leave a call back number that didn't work either. this company is a scam if they can't return my calls and if they can't help me. I trusted them and even renewed with them but now I'm believing that they're a scam because I can't get anybody to answer me. if this doesn't get resolved quickly I'll be filing an official complaint with my attorneys.

  

  Business Response

  Date: 04/23/2024

  We have spoken with ******************* and explained that the number that she was calling for her agent, *********************, was a work phone number and doesnt accept text messages which ended up being the main issue with no response. While working with the consumer, we were able to update the address and income on the application and resubmitted the application back into the current existing plan, but at a lower premium that will be effective 5-1-24.  During the conversation we asked if there were any further updates or questions to come to our compliance director directly, to address the situation and discuss all options available for her family. Confirmation of the address and income has been emailed to the client along with my direct contact information.

• Initial Complaint

  Date:04/09/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ****** ******** opened a fraudulent *********** health insurance account in my name in *******. I’ve never lived in *******

  

  Business Response

  Date: 04/19/2024

  On 4-15-2024, we spoke with **** **** and provided all the information that the consumer needed in order to file a complaint with the ****** ***** to fix the ***** form in question for a policy that was submitted without consent or authorization. We have provided our managements full contact information to help the consumer fix any and all issues regarding this matter to ensure that we can get the matter resolved with the ****** *****.

  Customer Answer

  Date: 04/19/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

  ******* ****

   

• Initial Complaint

  Date:03/21/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***************************** ***********) open health insurance on my name through BCBS for someone else from the market place. They use my name, DOB, and social. This was done through Alliance & Associates FInancial Services ********** with the phone number **********. BCBS gave me all those info. I called the agency to try to get to the bottom of it, no one called me back.

  

  Business Response

  Date: 04/02/2024

  On 4/1/2024, our Compliance Manager spoke to ******************* and provided her the name of the licensed agent and marketing representative who submitted the application without her knowledge. We provided her all the information to file a police report on the individuals who submitted the application along with the information to file a formal appeal with the Marketplace to get her coverage reversed as of the original effective date. Our manager provided her phone number and email address to ******************* and asked her if there was anything else that she could do to help ******************* advised that there was nothing at this time. 

  *******************, thank you for giving us the chance to speak with you and have this issue resolved. We apologize for any inconvenience this may have caused. 

  Customer Answer

  Date: 04/03/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

  ***************************

   

• Initial Complaint

  Date:03/11/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  One of there agents **************** (agent #*******, fraudulent obtained my personal information and enrolled my into a Florida Blue Insurance program without my knowledge. They will not take any action to fix the issue and I have filed a complaint with the ******* department of insurance and the ****

  

  Business Response

  Date: 03/14/2024

  Hi,

  Thank you for reaching out & we are acknowledging your receipt of this concern. A member of our management team has been attempting to make contact with you via phone after email correspondence to no avail. Please give us a call or let us know when a good time is for us to reach out to you directly to handle and address this matter to find you a resolution for you. Thank you!

• Initial Complaint

  Date:02/21/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 2/16/2024 I was told by an ACA marketplace representative that ***************************** had filed an application on my behalf for medical coverage for the year 2023 and 2024. I have never spoken to ************** or given authorization to apply for any type of insurance.

  

  Business Response

  Date: 02/21/2024

  Hi,

  We have attempted to look into this further, but unfortunately, we were not provided enough information to locate this individual within our systems. They did not provide a full name, or anything else that is searchable on our end. If we can obtain their full name (first and last), we will be glad to attempt again to have this resolved. Thank you!

  Customer Answer

  Date: 02/21/2024

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

   Complaint: 21305160

  I am rejecting this response because:

   

  The name is *****************************

  Regards,

  M R

  

  Business Response

  Date: 04/23/2024

  Hi *****,

   

  Good afternoon. Since we received this complaint, we originally made our initial attempt to reach the consumer to obtain further information. Once that information was obtained, we have made two additional attempts to reach the consumer, leaving a voicemail each time requesting for the consumer to reach back out to us. As of now, we have not received a returned call and on our end have exhausted all attempts regarding a resolution for this client. If they are to reach out, I will be sure to update you but as of now, can we have this complaint closed? Thank you in advance!

• Initial Complaint

  Date:02/02/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was signed up for a health care marketplace health plan without my knowledge or consent. I was given this company’s information from Florida Blue HMO as the broker that signed me up for the policy. I called Florida Alliance & associates Financial Services and spoke with ***** ***** who told me they would look into it and call be bit it would take some looking into it. I only found out about this situation because I received a ****** form in the mail. I can’t file my taxes until this situation is resolved. I need this company to rescind the tax form.

  

  Business Response

  Date: 02/02/2024

  Hi *****

  Thank you for reaching out. First, I would like to apologize for any inconvenience this may have caused you. As discussed with a member of our management team today, we have confirmed that the policy in question has been terminated. We have since addressed the concern with the agent in question and have provided all information from our conversation about the issue. Please do not hesitate to reach out to us if anything further is needed. Thank you!

  Customer Answer

  Date: 02/05/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

  **** ********

   

• Initial Complaint

  Date:10/31/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On Friday October 27th, I called Alliance for an Auto Insurance Quote of which I provided my Credit Card # to hold the quote that would take place on Novemeber 4th. However, I found a better Insurance option and when I called to Cancel, I couldn't reach the Agent ************************* to Cancel. I also emailed her as well and hadn't received any response as of Monday October 30th by phone or email. I didn't sign any documents for insurance nor did I approve ******* to charge the card prior to the insurance commencing.

  

  Business Response

  Date: 10/31/2023

  She has returned and processed this cancellation, the client just did not give us enough time to relay that message back to them. 

• Initial Complaint

  Date:09/12/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am receiving multiple unwanted calls every day from ******************************************** I need these calls to be stopped immediately and I need to be removed from the calling list since they are flooding my phone.

  

  Business Response

  Date: 09/18/2023

  Hi Mr. ********,

  I truly apologize for the irritation these calls might have caused you. As of now, we have added you to our do not contact list so you will no longer receive any communication from us. This is why I was unable to call you to advise of the resolution but am happy to talk to you if you would like to contact me at ************ by text or call. I hope this resolution is acceptable and once again, we apologize for the inconvenience. Thank you!

  Customer Answer

  Date: 09/19/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

  *********************************

   

• Initial Complaint

  Date:07/31/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 3, 2023 I spoke with ********* ***** ******* ***** in regards to obtaining affordable medical insurance. I was told that he found me a policy through **** ***** **** ****** of ** ****** **** ****** and that it was ******* which included medical, dental, vision and RX. I recently canceled my plan through Flo**** **** because it didn't meet my needs. When I noticed today(7/28/2023) that I was billed ******* I called **** to get a refund. They told me they did not and have not ever received any payment from me as my insurance premium was $***** I did some digging and found that I infact had not been paying for the **** but for another program which was for dental, vision and RX and that I had signed up for that in addition to my **** plan. My ********* ***** ******* ***** had not disclosed or made it clear to me that the medical insurance was ***** and to add on the dental, vision and RX was an additional *******. I was fully lead to believe that to recieve the **** medical policy which included dental, vision and RX would be *******. If I had known that the medical was ***** and the additional coverage(which I did not need coverage for because I had it through Medicaid already) was ******* I would have never signed up for those added on coverages. I was tricked with slick wording that in order to recieve medical insurance I was to pay *******. Yes I signed papers(over the phone) to recieve this service but I was told it was for the **** insurance NOT solely for the additional dental, vision and RX. I am seeking full reimbursement of not only the payment that was just taken out for the month of August(which I cancelled) but for the previous 2 months in which I paid under false pretenses. I know he is fully aware that he tricked me into getting these additional coverages because I asked him several times "this is for **** medical insurance, right?". Never did he ever tell me that the insurance was free to me and the other charges were additional coverage charges.

  Customer Answer

  Date: 08/01/2023

  Since filing this complaint and also filing a complaint through the company directly, they have refunded me all 3 payments. Thank you for your help!