According to "You'd better to find your state department of insurance (or division of insurance) to file a complaint letter". In actually, I did this online. The funny thing is the responsor is Metlife's CEO who retired 16 years ago. After I told him the whole story, he stopped to send email to me and said "I really don't know why they did this and I can't guess."
Would you please tell me "BBB" means what? How can I find the information of Metlife's headquater? I'm in Boston. Thanks a lot!