How To File MetLife Complaints and Get the Money That's Rightfully Yours

iEditorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm, is not licensed to practice law, and is not equivalent to the services of a licensed lawyer. DoNotPay provides a platform for legal information and self-help, and does not offer legal services. Third party news articles mentioned on our website do not necessarily reflect the views of the company, or the current services that we offer.

How To File MetLife Complaints and Get The Money You’re Owed

MetLife is a large insurance company, providing dental, life, auto & home, and accident & health insurance coverage to over 12 million Americans. One of the best benefits they offer is their accidental death and dismemberment plan, which protects families when an accident or disaster befalls them.

According to many customers, the MetLife company has not been upholding its end of this bargain. With millions of complaints filed against the company throughout the years, it is easy to see that there are a lot of people who feel disappointed and are opting to cancel MetLife subscriptions.

The most common complaints against MetLife are that they fail to provide coverage for the death or dismemberment of a person.

This means that if you were paying your premiums and suddenly lost your life from an accident, MetLife would not pay your family the money that was guaranteed by the contract.

It is hard enough to lose a loved one under any circumstances, but to also be forced to fight with an insurance company that won’t pay up is devastating. Read our detailed guide on MetLife insurance claims payout policy to understand your rights and see what steps you can take.

If MetLife is giving you trouble and refusing to live up to its promises, this article will show you how to file complaints against the company and, if need be, take them to small claims court.

How To File MetLife Insurance Complaints

There are a number of different ways to contact MetLife, depending on the type of insurance you have a complaint about. If you’re yet to file your claim, check out this guide to learn how to file MetLife insurance claims fast.

If you’ve successfully filed the claim, but the company refuses to pay up, there are several phone numbers you can call for all the different areas of interest, from life insurance to group services.

MetLife Life Insurance Complaints

If the company is debating your loved one’s life insurance coverage, you should call 1-800-638-5000 to speak to a customer representative. Keep in mind that this number is reserved for individual life insurance plans.

For other plans, you can call the following numbers:

  • Group Universal Life Insurance, purchased through your employer: 1-800-523-2894
  • Group Variable Universal Life Insurance, purchased through your employer: 1-800-756-0124
  • Group Term Insurance, purchased through your employer: 1-866-492-6983

MetLife Auto and Home Insurance Complaints

The phone numbers for auto and home insurance are the same, but there are two different numbers you can dial depending on whether you’ve purchased the plan on your own or you got the insurance coverage through an employer.

Here are the numbers you can call:

  • For Policies Purchased On Your Own: 1-800-422-4272
  • For Policies Purchased Through Your Employer: 1-800-438-6381

Other Ways To Contact MetLife Customer Support

Alternatively, you can dial 1-877-638-2862 and set up an appointment with the company's customer service representative. They will call you back at the agreed-upon time, and you'll have a chance to explain the issue in detail.

If you prefer emailing your complaint, you can do so through an online form on MetLife's website. You'll have an opportunity to explain the issue in detail and choose whether you would like to receive a response via mail or have the company's representative call you.

Here’s a table with a summary of all the contact methods available to you:

MetLife Complaints Phone Numbers and Other Contact Methods
MetLife Life Insurance Complaints
  • Individual Life Insurance: 1-800-638-5000
  • Group Universal Life Insurance, purchased through your employer: 1-800-523-2894
  • Group Variable Universal Life Insurance, purchased through your employer: 1-800-756-0124
  • Group Term Insurance, purchased through your employer: 1-866-492-6983
MetLife Auto and Home Insurance Complaints
  • For Policies Purchased On Your Own: 1-800-422-4272
  • For Policies Purchased Through Your Employer: 1-800-438-6381
Disability Insurance
  • For Policies Purchased On Your Own: 1-800-858-6506
  • For Policies Purchased Through Your Employer: 1-800-300-4296
Dental Insurance
  • Dental Insurance Customer Service: 1-800-942-0854
Vision Insurance
  • Vision Insurance Customer Service: 1-855-638-3931
Online feedback form

Regardless of which option you choose, it's unlikely you'll get an easy resolution to your problem. Customers report that MetLife's support agents are difficult to work with and often just lead you in circles when you're trying to get the information you need.

If the customer service representative is not able to provide a solution to the problem you're facing, you should be able to ask for a supervisor or manager, but this further delays problem resolution.

How To File Complaints Against MetLife

If you can't get a satisfactory answer from the company or if MetLife outright refuses to honor the contract, you should contact one of the agencies tasked with protecting consumer rights.

The agencies you can contact are:

  • The National Association of Insurance Commissioners (NAIC)
  • The Better Business Bureau (BBB)
  • The Federal Trade Commission (FTC)

Filing a Complaint With the NAIC

The NAIC is the primary organization tasked with protecting consumers. If you are not satisfied with the service or product you received from MetLife, you can mail your complaint letter to:

816 W. Washington Street, Suite 100

Topeka, KS 66603

Alternatively, you can explain the issue over the phone by dialing 816-783-8500 (choose option 1) or send an email to

The NAIC has a complaint procedure for consumer complaints and works to resolve issues within reasonable time frames. If you experience issues with MetLife and have tried to solve them on your own, please consult the NAIC Help page for other available contact methods.

They will put you in contact with a representative from MetLife, who will look into your claims and gather information about the problem. The NAIC ensures that insurance companies handle complaints properly. If they don't respond to your claims or if they are unresponsive, the NAIC may take steps to resolve the problem.

Filing a Complaint With the BBB

If the NAIC is not able to provide you with a reasonable resolution or if you are not satisfied with the services you received from MetLife, you can contact the BBB and file a complaint. T

The BBB has an online complaint form that consumers can use to report their grievances about MetLife.

Filing a Complaint With the FTC

The FTC is the federal agency responsible for protecting the public from deceptive business practices.

If you are not happy with MetLife's services or if you have experienced any type of deception, unfair business practices, or infractions, you can contact the FTC and file a complaint.

Suing MetLife In Small Claims Court

If you've tried everything and MetLife still refuses to live up to their insurance contract with you, it's time to bring your complaint before a judge.

Generally, the courts’ small claims limit is $5000 for property damage or theft, $10,000 for breach of contract, and $2,500 for personal injury.

To start the process against MetLife, you must first file a complaint with the small claims court of your home state. You can visit the court in person and file the claim with the court clerk's office or look for an online form on the court's website.

Apart from filing your claim, you'll also have to send a professional demand letter to the company. The letter informs the company that you're willing to pursue action and gives them one final opportunity to pay you the damages and settle the matter outside of court.

You need to include the following information in your demand letter:

  • Your name and address
  • The date and location of the accident
  • Description of the injury or loss
  • What was damaged or stolen, along with an inventory list
  • Amount of damages sought
  • A copy of the insurance policy itself

Once you've sent your letter, you'll have 30 days to file a claim with the court. If MetLife doesn't respond within that time period, you can proceed with action against them.

DoNotPay Can Help You Send Demand Letters To MetLife In Small Claims Court and Win

You don’t need to spend a small fortune on lawyers to force the insurance company to honor their part of the bargain. There’s also no need to spend weeks deciphering the contract, putting together all the required documents, and submitting a dozen different court forms.

With DoNotPay, you can send demand letters to MetLife in small claims court in under 15 minutes without spending a penny on an attorney! Our award-winning AI Consumer Champion will put together a professional demand letter for you and help you fill out the required court forms with ease.

All you need to do to file your claim is follow these five steps:

  1. and select the Complaint Letters product
  2. Tell us how much money the insurance company owes you (exact sum, as per contract, if possible)
  3. Choose a reason for your lawsuit
  4. Answer a few simple questions to provide context
  5. Include any evidence that supports your claim to help us build a strong case for you

That’s it! DoNotPay will send a demand letter to the company with all the relevant details and a 14-day deadline to provide an official response. If the company doesn’t respond or refuses to pay you what you’re owed, you’ll have everything ready to take the case to court.

Check Out What Else DoNotPay Can Do for You

Do you lack some skill in drafting agreements and contracts? There’s no need to worry — you can let your virtual assistant—DoNotPay—do the heavy lifting for you!

Our AI-powered app can generate different documents, including , , and . All you need to do is to tap a few buttons or answer several short questions—we can do all the rest!

Aside from generating personalized documents for you, we can take over other tiresome tasks, such as filing lawsuits in small claims court, requesting crime victims’ compensation, having your documents notarized, or submitting HR complaints.

We Are Committed to Helping You Solve All Sorts of Problems

Have you found yourself lost in the sea of annoying administrative tasks? By subscribing to our services, you gain access to our app’s products and features that can assist you in:

Want your issue solved now?