So basically, I left a complex a month before my lease was up because we bought a house. The complex was aware we were leaving before the lease was up. Upon leaving, we knew we would be billed for carpet and we made them aware our renter’s insurance would issue a check to cover majority of the balance and we would cover the remainder. Well, my renter’s insurance issued a check and they sent the entire balance to collections like within a week of the check being issued. They stated they never received the first check after I escalated the issue to their district office. The insurance company issued a second check. They apparently never received that one either. Insurance company ended up issuing payment directly to me so I could get the balance settled. Payment was put in their hand February 18th. I got a notification this morning that they reported the entire balance to collections as paid. The district manager stated that she halted the collections process and was working with me for getting payment settled. I emailed her this morning about the collection reported. Is there anything I can/need to do legally? I’m just frustrated because it feels like they deliberately tossed the checks and reported the balance to collections because they’ve done the same thing to previous renters. I just want to know if there’s anything i need to do to pursue them legally or if contacting the credit bureau is the easiest solution.

So I recieved notice today that Statefarm is canceling my insurance because of three accidents going back to 2022. Two were not my fault, I was rear-ended in both. Is this typical? What insurance company you recommend? TIA!

I have an Amex Hilton rewards Diamond membership. I had to spend over 13K to receive certain rewards like a free room. We’re not rich, by any means, it took a long time to build up to a free room. It was my sons birthday so I called the local Hilton to see if we booked a room if we could have small party for him at the pool area and invite a few guests. They were very nice and accommodating and said absolutely and even offered for us to use their fire pit and grill as well. A week later we booked the room and went to the hotel to ask if we could see it to get an idea of sleeping arrangements. They said they couldn’t at the time. Ok, no problem, so we left. The day before our stay we got an email to choose our room and noticed the room wasn’t what I thought it was. Being a Diamond member we’re entitled to free upgrades that are available, and have always been treated kindly about that. Not at this hotel. I called Hilton cust serv line and they said they tried to get the upgrade but sounded like they’d had a problem with the hotel, and advised I try to speak to them myself. They were super nice about it, but I could tell the cs agent was frazzled after speaking with the hotel. I called the hotel and once the front desk accessed my acct and saw the free room, her attitude became awful! I am a calm steady person from years of customer service, so I didn’t feed into her snarky behavior. I felt she was lying about not having an upgraded room avail. So I called and spoke with the GM. I complained to her about the previous convo with her front desk agent and asked that she looked into it. Well, She was worse! She began saying we couldn’t have a party unless all guests were registered to our room and began changing our agreements. I told her it was no problem, we can add them on to our room, there were only a couple of teens coming, so it would’ve worked out ok. Our room could fit 6, and we only had 6 people. But She didn’t offer to do that nor did she ask if we were ok with the room. She just said this is a free room and it sounds like we cannot accommodate you here and that she was cancelling our room. We were 2 hours from the party time. I begged her not to cancel because we had guests meeting us there. She insisted she was doing it, so I told her if she did that, I would call the state attorney general because I never consented to her changing and breaking the contract. By cancelling it, it made me lose my free room. I called Hilton and asked for their district managers number. They said I’d have to call the hotel to get it. So I did and got the nasty GM again. She said because I “threatened legal action, I was banned from the property” and if I step foot there they’d call Georgia patrol. I was absolutely floored! I kept my cool and never said anything for her to go that far. I tried to do everything the correct way… asking to have the party beforehand instead of sneaking people in, tried to see the room beforehand, tried to use my diamond status to work through a misunderstanding instead of raising cane.. etc. There was no reason for her to do that. My son was looking forward to having his friends there for his birthday. I had 3 hours to call parents and make new arrangements. It turned out that the teens just wanted to ride bikes all day and barely would’ve even used the hotel. We didn’t need it after all. But I’d like to have my free room back and be removed from their “do not rent” list. Thinking about it now, I believe they just didn’t want to rent to people who use their free room. What advice would you give me? Should I file the complaint with the state Atty general or let Amex do it? Or something else all together?

I’m in shambles. A surgery out of network I was approved actually late last year is somehow now denied in network now? And the record of approval is nowhere to be found?? Literally saw it three weeks ago. I want to make sure this appeal hits the ball out of the park with all necessary info but it’s such an uphill mountain and I was so happy for a month and a half excitedly waiting for my surgery next month. Please help.

Hi all, So this is a grey area and I really do not know how to go about this so I would appreciate any input here. I'd rented a car for the weekend to drive around town and visit nearby places. Had some time left before returning so I had a colleague over, and we decided to go out but he wanted to take the wheel. So, we drove to a nearby restaurant and while parking into the restaurant he backed too heavily and banged into the wall. There is a sizeable damage to the car's rear with scratches all around, damage to the rear lights and the bumper too. I know I am screwed as it is the worst car rental company (Sixt), but also, I was not driving. I know my card, Amex has an insurance that covers this sort of stuff, but of course it requires me to be the authorized driver to be able to claim this. I do not know what to do here, because I do care about the colleague and don't want him to get screwed because of the charges too because I know it is gonna be hefty one (probably a couple thousand bucks to say the least), so any advice would be appreciated here. Do I trust the claim verification process to not involve checking through on the cameras, or, just be honest, I don't know. Help!

I was rear-ended in late January by a driver insured by Maryland Auto Insurance. I filed a claim with my insurance company (Progressive) who deemed that the other party was liable for damages. I reached out to both the other insured and MD Auto Insurance, and was given the run around for over a month— with MD Auto Insurance saying that their insured had not been returning their calls and the other party stating that MD Auto Insurance was not answering their calls. Progressive got involved and tried to call MD Auto Insurance 2x after I basically begged them to, and they weren’t able to reach them and gave up. I consulted some lawyers online to see if I had a case, and they all recommended using my insurance (i.e. paying my $750 deductible for the damages, Progressive paying the rest and having Progressive attempt to get my money back through subrogation). I spoke with Progressive who said that not all subrogation attempts are successful, and that they most often aren’t… meaning that my desuctible would just be lost completely. I ended up going that route because the damage on my car was such an eye sore. I paid $750 and Progrssive ended up paying $761 (total cost of repair was ~$1,500. The repairs were completely last week. Today, I received an ~$1,800 check from MD Auto Insurance for the damages to my car. They did not call me at all to accept liability or tell me that they were mailing a check. So now, I have an $1,800 check to cover the damages though the car has already been fixed and I have paid my deductible. Should I tell Progressive about this check or should I just cash it without telling them? To be honest, Progressive really pissed me off when they wouldn’t assist me in talking to MD Auto… they called twice and gave up so easily while I called multiple times a day for weeks. I’m afraid however that in the subrogation process, MD Auto Insurance will tell Progressive and then MD Auto will adjust the amount (they estimated $1,800 in damages, but the repair was actually $1,500), and I will lost that extra $300. Other possibility is that the subrogation process will fail because MD Auto rarely answers the phone and has such a long and terrible phone system, and Progressive would close the case and I would be allowed to keep the money in total. What should I do? TLDR: I was rear ended, other party gave me the run around to avoid liability, my insurance paid (after I paid a $750 deductible), and I just received a check from the other parties insurance. Do I let my insurance know?

WA So this is kind of a long story but I really need some advice. In 2011, I was active duty stationed in Everett, WA. My shipmate was at the casino and called me to come pick him up because he was drinking. His car was on the naval base and I was living in the barracks. He left his key on his tire and told me to find it and come get him. I picked him up and then rear ended a car. He gave the cop an insurance card and everything was dealt with and we left the scene. He later told me the insurance card was from 2 years previous and he couldn’t believe the cop took it and let us go. He didn’t have insurance on the vehicle. We then went on a 6 month deployment and I never heard anything more from the situation. I got out of the navy and went back home to Michigan in 2014. Some time in 2014 I received papers for a court case adjudged against me. I didn’t understand how this went to court and I was never notified or able to give my side of the story. Regardless, I planned on filing chapter 7 bankruptcy if they came after my wages. They didn’t. I heard nothing more until today. I got a letter from a law group representing State Farm insurance stating I owed 99k and it needed to be paid within 6 months. 14 years after the accident occurred! Do I have any options at this point besides filing bankruptcy? Thanks in advance for any responses. I’m stressed out beyond belief. (I’ve never owned a vehicle without insurance on it and I wouldn’t have drove that one if i knew it was uninsured.)

"I'm working with an agent who recommended Corebridge, but they charged me twice for my annual Term Life payment. After a frustrating experience with customer service trying to fix their mistake, I decided to cancel my policy due to their poor support. Can anyone recommend a better company?"

This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like? I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.