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Consumer Alerts

The Florida Department of Financial Services' Division of Consumer Services continuously monitors the insurance and financial industry to inform and protect consumers from various financial scams designed to steal your hard-earned money. If you or someone you know has been a victim of a financial scam please call 1-877-MY-FL-CFO (639-5236) or REPORT FRAUD now. To view a listing of common Fraud and Scams, click here.

Anthem Cyber Security Breach

Anthem, Inc. recently discovered a cyber security breach that may have impacted Florida insurance consumers. Anthem is working to determine which members/policyholders were impacted by the breach.

Anthem will only contact impacted policyholders and members by written communication via mail, not by phone or email. Anthem will begin mailing letters in the coming weeks.

Consumers should be aware of the potential fraudulent scams targeting current and former Anthem members. Consumers should not provide personal or financial information to persons claiming to represent Anthem via email or phone. If you receive an email or call, follow these helpful tips:

  • DO NOT click on any links or attachments contained within an email.

  • DO NOT reply to the email or reach out to the senders in any way.

  • DO NOT supply any information online or over the phone.

Anthem will provide free credit monitoring services to those who were impacted by the data breach. For more information or questions related to the breach, please call Anthem’s toll-free hotline at 1-877-263-7995 or visit www.anthemfacts.com, a website specifically set up to address the breach.

Florida consumers with questions may contact the Florida Department of Financial Services’ Consumer Helpline, available Monday - Friday from 8:00 a.m. - 5:00 p.m. EST.

Lottery Scam

The Florida Lottery reported that scammers have been sending emails using the department's logo and letterhead claiming the recipient has won a monetary prize. To claim a share of the funds, the email requests that the recipient contact the person listed, provide financial information and pay taxes.

Florida Lottery officials will not contact players unless they have entered a game or drawing on the official Florida Lottery website or social media sites. Remember, you can’t win if you didn’t enter. To report a lottery scam, contact the Florida Lottery's Division of Security at 850-487-7730. If you or someone you know has been a victim of a financial scam please call 1-877-MY-FL-CFO (639-5236) or REPORT FRAUD now.

American Debt Settlement Solutions, Inc. (ADSS)

The Consumer Financial Protection Bureau has filed a complaint in federal district court against Florida debt-relief company American Debt Settlement Solutions, Inc. (ADSS) alleging that the company misled consumers by charging illegal fees for their services. ADSS is accused of routinely charging illegal upfront fees for debt-relief services that rarely, if ever, materialized. Other charges include falsely promising to settle debts within a specific timeframe and enrolling consumers who were not likely to successfully complete their programs causing further debt. Read more...

Warranty Offer Alert

Floridians who have received a warranty offer from HomeServe USA Repair Management Corp. are urged to carefully review the offer for an “optional service plan.” The Miami-based insurance agency is reported to have mailed notices to 600,000 Florida residents in November 2012, and consumers are complaining that the notice looks like a bill from a government agency. Click here for an article about the complaints.

The Division of Consumer Services has provided a list of suggestions to the National Association of Insurance Commissioners on steps to improve the recovery process for disaster victims. Click here to read the list of suggestions.

Unauthorized and Unlicensed Sale of Insurance in Florida

Two Michigan-based insurance companies, iWorld Financial Group (iWorld) and United Defend Company a/k/a United Defendco (UDC), have been ordered to stop engaging in the unauthorized and unlicensed sale of insurance in the state of Florida. The companies offered, issued and/or administered errors and omissions coverage to insurance agents in Florida without a license. These actions were done through Facebook and the following websites: Read more…

Mulberry Insurance Services

We have encountered an insurance agency located in California who sold commercial property and liability policies in Florida without being licensed. The policies sold were bogus. Please call the Departments' Insurance Consumer Helpline at 1-877-MY-FL-CFO (693-5236) if you believe you or someone you know may have purchased a policy from this agency. As always, please verify the product you are purchasing before you buy it.

Annuity Solicitation Scam

An unlicensed company named Unlimited Fulfillments Services, LLC has been contacting seniors about an annuity they may have that has reached the end of its surrender period. Misleading postcards sent to these consumers advise that they needed to contact the company's "Scheduling Department" to discuss options. This company is not licensed to transact insurance business in Florida, and the Florida Department of Financial Services has filed a Notice of Intent to Issue Cease and Desist Order against the company. Read more...

National Sweepstakes' Scam

A company calling themselves National Sweepstakes has contacted a senior consumer in South Florida claiming to require payments to the IRS in order to collect her $1 million-plus prize. Legitimate lotteries do not ask for money up front to collect winnings, and it should always be a red flag if you have been notified of winning a lottery for which you never submitted an entry. Read more...

Unclaimed Property Scam

A company calling themselves The Florida Department of Financial Restitution has been contacting consumers claiming to be on contract with the Department of Financial Services and trying to collect a $600 upfront fee to recover unclaimed property. There is no legal entity named The Florida Department of Financial Restitution, and consumers should not agree to this offer, sign a contract or send any money to the Florida Department of Financial Restitution. Read more...