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J.C. Penney Life Insurance |
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Arthur of Zebulon GA (08/18/08) Paul of Mississauga OTHER (01/28/08) Brenda of Athens GA (01/16/08) Omar of Royal Oak MI (12/10/07) Ofelia of Chino Valley AZ (08/20/07) Gage of Kansas City MO (03/26/07) Well, my wife received a letter in the mail the other day with her membership cards and plan number. What troubled we was that I took the time to read the letter and it stated that the first 30 days of membership are free, but then your JC Penney card will be charged $9.95 a month for the service. I called Plan Plus first chance I got and when I tried to cancel it, the person continued to try to sell it to me. Finally, they cancelled it and I asked for a confirmation letter. My reason in writing this is to warn others who place phone orders with JC Penney to not take their offer lightly, even if you decline and they say it isn't any big deal and not to worry about it. Had I not read the letter, I would have had $9.95 charged to my JC Penney card each month, which quickly adds up. I have fallen victim to a scheme like this before and refused to have it happen to me again. Linda of Forrest City AR (04/17/06) I applied for a loan from my bank and was denied because of the negative mark from JC Penney on my credit. The damage has been much worse than what I can mention here. Linda of Henderson NV (07/23/05)
Mary of San Antonio TX (06/10/05) I have had to pay for my mothers funeral arrangements out of my own pocket as most of the insurance companies that my mother had no longer had records of her coverage. I live on a fix income as my husband passed away last year. Danica of Burlington WI (06/08/04)
William Saltzer of Audubon N,J, (09/13/02) We have lost $180.00 through their very sneaky tactics and we feel ripped off and very angry, I also feel like an idiot because I did not scrutinize our mortgage staement. A class action lawsuit charges that JCPenney Life Insurance Co. routinely bilked consumers like those below, drafting their bank accounts without proper authorization. Shayne of Cherokee AL (4/18/05):
Usually, JC Penny would take out every other month for the month before and the month of the bill. I am angry because of this. I have paid close to $1800.00 to $2000.00 over these past few years and now I'm having to find more life insurance. The was I look at it, the least JC Penny could have done was paid my bill from the time it was canceled until now. Danica of Burlington WI (6/8/04):
Our next three credit card statements were blank. The third month, we had three $9.95 charges, plus two late payment charges of $39.95 for the first and second months. We called JC Penney. We called First USA. We called a lawyer. The charges were eventually removed from our card, our credit report was corrected. However, not until we had threatened a major lawsuit via our attorney. We've since learned that this was the subject of a class-action lawsuit. We've canceled that card, and hold both companies at the highest contempt. William of Audubon NJ (9/13/02):
We have lost $180.00 through their very sneaky tactics and we feel ripped off and very angry, I also feel like an idiot because I did not scrutinize our mortgage statement. Frederick of Gouldsboro PA (11/30/01):
Timothy of Redondo Beach, CA writes (2/1/01):
They are trying to blame me for all this, as I very seldom read all my statement details. I am aware within a few dollars of what my balance should be, so I just check general info -- balance, cleared checks. The fact remains that I was never notified of this charge by either BofA or JCP. JCPenney claims they mailed a policy statement. I have all my mail from 1998, and there is NO mail whatsoever from JCPLife. This is a blatant violation of sharing of my financial info by Bank of America, and possibly fraudulent behavior on the part of both JCPenney Insurance and Bank of America. I never provide any checking account info over the telephone, except to Bank of America customer service reps when there is a check order placed or a question concerning my account. Damage Resulting: $250 in unauthorized charges to my checking account, which BofA allowed (this promotion was a joint venture between them and JCPenney Insurance). JCPenney wants me to fill out a dispute form - they have taken the attitude that I have to somehow prove I didn't agree to this policy. Tawanna of Woodbridge, VA, writes (5/31/00):
Even if this was true, I have yet to see a statement from JC Penney since this request for insurance (so they say). I think that someone should look into the business practices that this company has. Chalann of Sterling Heights, MI (4/6/00):
When I called them, they said someone in the house over the age of 21 gave them the information and if I wanted to cancel, I had to wait for their information packet so I can look over what was being covered. When I got the packet, which was 3 weeks later, I called and still wanted to cancel, they said I still had to pay because of the amount of time I was being covered. I didn't even know about it and I had to pay for 3 months, October-November 1999.
Jay of Zeeland, MI, writes:
Beatrice of Tuskegee, AL, writes: We discovered from my bank that this amount was being sent to JC Penny Insurance. Previously, a represenative from JC Penny had telephoned me soliciting insurance. They stated that they would give me 3 months insurance coverage free. After that, if I wanted their coverage, I was told to sign a document they would send and return it. I never signed anything informing them I was interested in there insurance. Neither did I provide my bank account number to them. Because I am just finding this out, I have not yet calculated the amount they have stolen from my bank account. JC Penny should pay for their fruadulent, greedy thievery. Knowing that someone could actually obtain access to my bank account without my permission is horrifying and devastating. All the money I have is needed to pay my bills, or for my own personal use. I feel as if my person has been seriously violated. IW of Covina,
CA writes: J.C.
Penny Life Insurance has been charging my credit card since
September 1997 at $7.95 per month. They claim that they called
my house & obtained my birthday and birth place in 1997.
I have NEVER bought/received/signed anything from this company
and I would like to have the full refund. J.C. Penny Life Insurance has been wrongfully charging my credit card since September 1997 at $7.95 per month. Joy
of Las Vegas, NV, writes: ZJS
of Florence, SC, writes: I sent a check in that amount on December 30, 1997. In addition, an Application for Reinstatement and an Authorization for Automatic Draft Paymant Plan were included. On January 27, 1998, the company sent a letter returning my payment and stating that they could not reinstate the policy until a medical report was received from our family doctor. We received another notice letting us know that the medical report was received and that the policy would be reinstated once they received $108 in back premiums. I sent them a check on March 31, 1998 in the amount of $108. I also included the Authorization for Automatic Draft Payment Plan to begin drafting the premiums from my checking account. When I balanced my checking account in July or August, I noted that the check for $108 had cleared however, the monthly payments had not yet been drafted. I contacted the company again. After several phone calls, I was told that I would have to file another Reinstatement Application. By the time all of the paperwork was processed, they requested a check in the amount of $116.35 to cover the back premiums to March 15, 1998. I sent this check in January, 1999 along with the Authorization for Automatic Draft Payment Plan. On February 10, 1999, they refunded the premium payment with the explanation that the policy could only be reinstated within the first ten years. I called them back on February 17 and 23 of 1999 and explained all that I had been through trying to reinstate the policy. They said there was nothing they could do. I asked for a refund of the $108 check that they cashed. They said that they should not have cashed that check because the policy could not be reinstated however, they would not refund it. This policy had Return of Premium Benefit. That was why I was interested in keeping the policy in force. It seems odd that they quit sending invoices at about the same time as the ten year anniversary. I made every effort to keep the policy in force in order to recoup the premiums once the initial period was up. They made every effort to keep this from happening along with getting some additional premiums they later confessed they were not entitled to. I believe I paid approximately $1,200 over the life of the policy. I would like to get this back. Jaime
of Westminster, CA, writes: In
1994 I bought a Term life insurance from JCPenney. The said
then that I need not to send a check since all premiums would
be paid by my JCPenney card which subsequently would bill
me. I've been paying all premiums that way. In
the last bill I got an extra charge for $50 because the billing
cycles of JC Penney Insurance Company and JC Penney Credit
Card subsidiary are not aligned. The company acknowledged
it was not our fault but nevertheless they made us pay the
extra charge. My
position is that we, the customers, should not be billed for
corporation's mistakes and I am demanding
the refund of those $50. I am under the impression
that this corporation collects a lot of money from thousands
of customers who were, are , and will be charged for this
concept. Report Your Experience
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