So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together. The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started. Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.

I noticed my bill in an email was way more than normal and checked my payment history only to find out it’s the second time they billed me for that amount since I missed the first time (I was on vacation). I called and apparently they added some random guy. I finally figured out it was a guy I had in my car when I volunteered at World central kitchen delivering free food to hurricane victims. This guy rode in my car once for half the day. They said they emailed me and sent regular mail telling me about the change. I never got them because the vacation. They will not tell me how he got added to my policy and at one point hung up on me and I did not raise my voice and was polite but firm in asking what happened. I still have no answer. And instead of refunding me the money they just paid my bill for the year with the fund they took. I pay monthly normally. I did not share phone info or have them track my driving with progressive so I cannot understand how they added this dude to my insurance. I remember this guy rode a bike everywhere and since my insurance went up so much I’m guessing he has a bad history. How did they add this guy to my policy? I’m planning to change insurance providers any suggestions? Thanks for any info

I opened a discover card in college and misused it. I am now trying to gain control of my finances and increase my credit score. I have minimal financial literacy from my parents but trying to learn now! On my credit report it does not show up as in collections just as discover ~$3,700 balance but closed (12/2022). My last payment was made 12/1/2022. I called discover and they said the balance has been marked as charged off and to reach out to Radius Global Solutions. I am not able to pay the whole amount right now but was hoping to enroll in a payment plan when I originally called discover. I could also pay some in a mass sum. What should be my next steps? Thank you in advance!

Using a throw away account... I have Kaiser through work. Since I've been on my current plan for the past 3 months, Kaiser has terminated my insurance on the last day of the month. According to the payroll company (ADP), my benefits are valid and from what I can tell, dental and vision (not through Kaiser) are also valid. I don't understand why this keeps happening. The only thing I can think of is that it's a Northern California plan and I live in SoCal. I lived in SoCal when I selected my plan and was told it shouldn't be an issue, but now I'm questioning that. Last time it happened HR confirmed that it shouldn't again, but here we are. This is a tremendous hassle every time it happens since both my husband and myself need to have our SoCal and NorCal medical record numbers linked and then it takes several days before we can access anything on the website in our region.  Does anyone have insight into how or why this keeps happening? I'm at my wits end.

So I have just passed my full A license test and as such now am a fully qualified rider in the UK. I was previously on a CBT so a learner. I phone my insurance company to update them, and they have said that because of my license change they would no longer cover me, as now I'm a "new rider" and my cover will end in 7 days. This policy is at 10 months, so because of me being MORE qualified to ride, I lose almost a full year no claims ? How can that in any way be fair/right ? Is there anything I can do ?

I am in the habit of constantly asking clarifying questions and I ask the same ones over and over again to different people (I call frequently) and I get different answers all the time. I never truly know what's covered or how much it's going to cost. It's so much BS. The medical facilities give me more accurate information than Priority Health does. 3 Priority Health people have told me my son receives unlimited therapy visits because of his diagnosis, but I know that's not true, and I've had only 2 people tell me the correct number of visits he gets for his diagnosis. The pediatric office even knew the correct answer. How is this legal for them to be so wrong all the time? Ughhhhh

Hi all, I have two 4-year old cats on Healthy Paws pet insurance. I've seen the recent posts here regarding horrendous premium increases with HP, and am wondering if I should try to switch companies before my cats get older. My cats are healthy and I've never made any claims. My premium is currently about $80 for both cats (and yes, it did go up a good bit this year). I live in California (yikes). My major concern is that one of my cats has a history of struvite crystals in the urine. He's never had a blockage, a UTI, or any urinary problems - it was an incidental finding on pre-op labs before a dental cleaning. He's been on prescription food since then and the crystals have cleared up. But I know this would be considered a pre-existing condition if I tried to change pet insurance companies. My question is, how broad might this exclusion be? Would I potentially never get covered for anything urine or kidney-related if the insurance company tried to blame it on the history of crystals? And if there's a risk of that happening should I stick it out with HP (maybe the premium increases won't be as bad for cats?), or still try to switch? I do not have access to an employer-sponsored MetLife plan covering pre-existing conditions. I've read some companies might cover certain pre-existing conditions if they have been treated and symptom-free for over 12 months, would that potentially include my cat's history of crystals? Appreciate any opinions or advice. Thanks!

Location: Denver, Colorado This happened at Budget Rent-a-Car at DIA. So this has been dragging on for around 2 months and the amount of lies upon lies that we've been told would make this post ridiculously long, so I'll keep it as short as possible. Budget wrongly denied a prepaid rental booked through a third party, claiming that it was against their T&Cs, and sold another agreement at 3 times the price for a lesser car plus extras which were specifically not asked for. After finding out the original rental was wrongly denied, we contacted them to ask them to honor the original rate. At first they argued, wrongly citing their T&Cs again, but eventually agreed to honor the original rate. This was promised verbally and by email. The inflated rate was still charged at the end of the rental, and subsequently a refund was promised verbally on 2 separate occasions, explicitly stating the amount and timeframe. The refund did not happen and they are now denying ever promising it. On top of this, the car they claim we returned is not the car we rented, and they've added a fuel charge. I have email evidence of agents lying about what their T&Cs say, and proof that contradicts what they claim on the phone. We also know the desk agent receives a commission for upselling because there are job listings for the same location which state this. The issue is, their customer service is impossible to deal with. They pick and choose what parts of the emails they want to reply to, disregarding they key points of my email each time, and it takes days to get a half hearted response. Calling is no use because they later just deny what was said. We have filed reports with BBB and disputed the CC charge, so other than waiting on the outcome of that, what can be done? They have taken a four figure sum from us and are constantly contradicting themselves and misleading us, and there is no urgency from them at all. 6 hours+ of waiting on the phone and explaining things, plus a chain of around 30 emails, many not even getting replies, speaking to probably around 15+ different CSRs and we are back to square one even after they admitted we were right. It's infuriating. Because the amount is only 4 figures and the case is becoming so long and complex with insane amounts of law violations, taking it to court might not be economically viable, but the complete disregard for the law can't be allowed to slide. Even a full refund wouldn't be justice at this point. I'm not sure what to do as it's becoming a full time job trying to keep a timeline and stay on top of evidence etc.

"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?"

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??