I was in an accident 12/29. My car was totaled by my insurance company (State Farm). They called my creditor (Upstart) to get a payoff total. They gave my claims agent a “10-day guarantee payoff quote.” The insurance company sent the payment in full and it processed within 4 days. The insurance company now owns the title of the car (I’ve confirmed this twice). I theoretically should owe nothing on this loan as the quote given was paid in full and the title has already been transferred. However, the creditor is still trying to charge me my monthly payments. My claims agent said they called and confirmed with the creditor that everything was indeed taken care of and the car has been paid off. He said I should no longer be getting charged payments. I figured maybe it would just take time to process the transfer or the loan payoff but my account is now past due because they’ve tried to take 2 more monthly payments. I have called several times to dispute it (because I was told it should not be my responsibility as the loan was already paid in full!) but they just say they’ll transfer me to a supervisor and then I’m on hold for 30 minutes before the line just disconnects. I’ve emailed. I’ve called. I don’t know what else to do and I cannot afford to pay these extra payments with accrued interest and late fees but it just keeps accruing. Nor should I have to since the creditor doesn’t even own the car anymore and they got all the money they asked for. Any advice in this situation is appreciated.

Don’t trust this company! We had our mortgage insurance one year from 2170 to the following year 4340! Double! Well our dwelling went from 356,000 to 375,000.

Anyone received their renewal, I have a 45% renewal on my policy, it’s ridiculous.

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.

So I recently opened a new policy with GEICO for my car. A few days after opening the policy(march 2025), they added a driver without contacting me or giving me any notification. That alone increased my premium $450. The driver that was added is my GF that doesn’t live in my household or is licensed to drive(never got a DL). They claim I added her in a quote but i didn’t quote with them since ~Nov-Dec 2024(she visited during this time and left in Jan)I know you’re supposed to include any person in the household in a policy due to liability but I’m currently living alone. GEICO also claimed that they use “DMV records” to add drivers to policy on behalf of the customers if we didn’t do it already. That couldn’t be the case since my GF had no affiliation with the DMV in my state. Any advice on this matter would be appreciated

Good afternoon, I was in a car accident in December, 2024. OP was found at fault within 24 hours of the claim being submitted, however, it took over 2 months to have my car repaired. My insurance company only covered 30 days of rental coverage and I paid out of pocket around $600 for the additional days needed. I submitted a claim to have that reimbursed and my insurance company stated they are filing an Arbitration. Is this usual for this case scenario? How long do these usually take to resolve? State Farm is OP's insurance and I have Amica.

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!

I was involved in a motor vehicle accident where I hit two other vehicles at an intersection. I live in an “At fault” state and both of the other drivers told the Peace officer that I ran the red light. The officer gave me a citation for running a red light which I will be contesting in court. I gave the officer my proof of insurance card which was expired. Here’s where it gets interesting. The next day I contacted State Farm. State Farm told me that my insurance policy was canceled more than six months ago due to lack of payment. MY HEART SUNK. I canceled my credit card which was on an automatic payment cycle with them. They denied the claim as to be expected. However, I have insurance through Progressive on a secondary car that I literally NEVER DRIVE. But I have full liability coverage through them on a secondary car. My question. Will progressive cover the cost of the accident even if the truck was not on the policy? Will the other insurance companies go after progressive? Would progressive rather cover the cost upfront rather than go into litigation?

I was referred by my PCP to a physical therapist and was going regularly to appointments where I was only charged a $15 copay. However, after one of my appointments where my PT used a new technique (biofeedback training), my insurance is saying that service is denied and trying to charge me upwards of $400 for this one appointment. My insurance provider is United Healthcare. When I go to their website and try to "estimate cost" of this procedure (code #90912) it says that it should be covered by my $15 copay. However, when I called United to ask why it was denied, they said that there was a form called a PRA that they sent to my provider and it was not returned, so they didn't have enough information and denied it. I was told by the provider, my PT, that she never got this form and I also reached out to the billing department for the medical group, Sutter, to have them try and follow up with insurance or look into it, and was told that they would and I'd hear back within 30-45 days. Now my insurance is saying that, since they denied my first appeal, I only had so long to appeal that and the deadline is approaching. The "patient advocate" told me that either myself or the provider has to write a letter to United Healthcare Escalation center and ask for a secondary appeal, but was super vague on what exactly to say or write. I called back Sutter, since it had taken so long. They said they had 30-45 "business days" to review it, but they'd mark it as highest priority. I don't think I should wait for them, but am unsure what exactly I can say to get United to resend these forms that my provider says she never received. Any guidance?

I’m looking for employment in the financial sector and I got on a zoom call with a financial services company, companies name is Axium. They’re an independent broker using Primerica as their custodian. He kind of explained they’re like a marketplace for financial products now . 401(k)s, annuities, mutual funds, even rocket mortgage. As well as life insurance. But I have concerns because I’m a child of the 90s and I remember Primerica having a bad rap. Seems like they don’t have the same practices they used to. But I’m wondering if it’s worth it to take this employment, and if I’m just making something out of nothing. Does anyone have firsthand experience with Primerica as a client or employee?