I applied for a comenity card through Forever21 (big mistake). I had a total debt of $300 dollars on that account. The customer representative took down the wrong address and name so I never received a physical credit card resulting in not being able to make the payment. I had to leave country for a month and I couldn’t receive any calls from comenity resulting in a 60 days late payment. My credit score plummeted from 715 to 533 (Feb 2024). I am trying to get my credit score up. Despite my $2000 spending every month on my Amex card, my credit score has gone up to 581. I moved to US in 2022 so I don’t have a long payment history. What are my options here? Should I contact comenity? Or should I try to contact Transunion? I’m worried that I will get not get an apartment now that my lease is coming to an end.

I originally signed up for the Chase $900 bonus approximately 18 months ago, but didn't end up depositing any money into either the checking or savings accounts (ended up not having enough liquidity at the time due to unexpected events). They ended up closing both accounts after 30 days with a $0 balance on both. I confirmed this with a Chase representative on the phone. However, he claimed I was not eligible even though I would appear to technically meet the eligibility criteria (account not closed in the last 90 days; no accounts closed with negative balance in the last 3 years; only allowed to receive one new checking and one new savings account opening bonus every two years from the last coupon enrollment date and only one bonus per account). He claimed that I had closed my account too recently, even though the plain text of the offer would seem to suggest otherwise. Has anyone had any experience with a situation like this? Is there something else I'm missing here as to why I might not be eligible? Will Chase let me know whether I am eligible or not when I open the accounts? Or do I only find out when I end up receiving (or not receiving) the bonuses? Thanks in advance for any advice.

My ADHD prescription has all of sudden stopped being covered by BCBS TN. What’s the fastest way to contact them to resolve this? I have emailed, chat function not available, and I have now been on hold for 3 hours. Has this happened to anyone else? I’m currently at Walgreens don’t know if that matters. But again, it has been covered in the past. It’s not feasible to pay $100+ for a prescription every month nor do I want to.

My dogs Furkin Insurance monthly premium just went up $18! Is this normal?!

For the past 507 days, I’ve been dealing nonstop with AAA Insurance over my BMW X5 M. In July 2023, my car was repossessed (shit happens), but I got it redeemed in September. When I picked it up from Sacramento, multiple dashboard warning lights were on, and it smelled like something was burning. I later found out the repo guy towed my all-wheel drive vehicle by two tires from Chico to Sacramento — completely destroying the transfer case. These types of cars are supposed to be flat-bedded. I got nowhere with the repo company, so I filed a claim with my insurance (AAA) and brought the car to BMW Pajouh/Courtesy Automotive in Chico. It was in their shop from September 11 to November 3 for repairs. Then in February 2024, it started feeling like my tire was going to fall off. I took it back to BMW Chico and got a rental car from them while they looked at it. A couple days later, Nick, the service advisor (not the same one who helped during the first repair), called and asked what the issues were. I had already told them that when I dropped it off, so I was annoyed. The next day, he called again and said, “Whoever did your transfer case didn’t do it correctly.” I reminded him it was their shop that had done the work, and it had been an insurance repair — so the claim should be reopened. A few weeks went by, then I got a call from the AAA adjuster saying the new estimate was too high and they were going to total the car. I told them I would be getting a second opinion from a specialty European shop. I wasn’t able to take the car there until the following week, but I made sure to notify both BMW Chico and AAA. Then a few days later, I started getting calls and texts from both BMW and CoPart, saying they needed my authorization to tow the car to CoPart (a salvage yard). I told them I hadn’t signed anything and had NOT agreed to the total loss — I was still getting a second opinion. Later that night, I went outside and noticed the BMW rental car was gone from my parking space. I ran upstairs thinking I had left the key fob in the car and it got stolen, but it was still in my purse. My daughter reminded me my spare house keys were in the rental, and they had an AirTag on them. I checked FindMy, and sure enough — it pinged at BMW Chico. I called the dealership, and the front desk guy acted clueless. I told him my AirTag showed the car was there. He suddenly put me on hold. A few minutes later, he came back and transferred me to Michael Mumbus, the director. Mumbus told me they removed the car because they don’t allow loaners past 30 days — but it had only been 29 days, and no one had said a word to me about any rental limit. The next day I went down there to pick up my belongings from the car. I came prepared and was recording everything. Mumbus got heated with me, accused me of “holding the key fob hostage,” and said I owed them $650. I had the key fob with me, ready to return it. Then he hit me with it — “Your BMW is gone. CoPart towed it yesterday.” Blaming AAA for giving the consent. They took my car without any consent or authorization. One of the staff members handed me a printout of the repair documentation. That’s when I found out they had installed a junked transfer case in my vehicle — not remanufactured, not OEM, just a used one from a salvage yard. And my insurance policy clearly included OEM endorsement, meaning it should have been brand new from BMW. That’s when I realized not only had they done a terrible job, they had completely violated my policy. I immediately put a hold on the car at CoPart, telling them they had no legal right to it. That gave me time to start digging deeper. Over the course of the year, I reached out to more than 100 lawyers. Every single one said no. They didn’t want to go up against AAA or BMW — said it wasn’t worth the fight. So I kept pushing. I requested every document from AAA and went through everything line by line. That’s when I noticed a payment made to CoPart for $7,000 in “storage fees” — which made no sense. I filed formal complaints with: • California Department of Insurance • Bureau of Automotive Repair And then — this morning — I got the call. AAA told me they had good news: • I can take my car to any shop that does mechanical work and paint (it was severely oxidized from sitting outside this whole time)— and they’re covering all of it. • They’re paying me $35/day for 507 days of loss of use. • They’re removing the salvage title and returning the clean title back into my name. • And… the car is paid off. DMV will take 3–6 months to process the title, but I can wait. I honestly don’t know how this kind of shit always ends up happening to me, but one thing I know for sure — I never stop fighting. It’s exhausting. It’s stressful. It feels impossible. But I do not give up.

I was stopped at a traffic signal when another car coming from the opposite direction had his tire come of and hit my car. His insurance is declining to pay saying that it should be covered by my insurance comprehensive coverage. His insurance is liberty and mine is progressive. Just does not sound fair to me. Total damages of 5 k. I do have a 500 comprehensive coverage, its the principle of things. How do I go about it? UPDATE I had the other party call the insurance. The insurance just called and accepted it was their fault and promises to cover everything. They asked to go ahead and book an appointment with the body shop, which I just did for next week. Justice was served , thanks largely to the other driver being honest and standing for it. god bless America. Its about 20 days work and probably will be able to work out a rental car too in the mean time.

I was in an accident. I was turning and collided with another vehicle traveling the other direction on a residential street. Apparently an attorney is involved now according to my insurance company, and it certainly has me scared. We have a job and house, but we are barely surviving, so playing legal games is going to break me. It also feels very unfair. I'm pretty sure, if anyone was injured in that car, it's because it appears the kids weren't buckled. It was a mom and kids on the way to school. I want to the back to help and saw a dazed kid rubbing his knees because they probably hit the console in front of him and he was crying. Not totally crazy, like im broken help it hurts crying, but like mildly hurt but mostly scared. I have kids. That explanation wont hold up in court but anecdotally I think he likely was fine based on what I saw and my own experience from the crash. I had mild bruises on the top of my legs, not visible, but just a sore feeling. But I was buckled. And I had a airbag in my face and a little dazed, but when I got out the math didn't work out in my head with how many people I was seeing and the number of seats available in that car. there was a baby seat but no baby. that leaves 4 legal seats in that car, but I'm pretty sure there were at least 5 people in that car. It was hard to figure it all out because of the shock of it and one or two of them walked off to a school or were taken by grandparents that showed up fairly quickly. I bet Its too late to go back and prove that, and I doubt there will be camera footage of it, but there is a slight chance because there is a medical business at that corner, its at the edge of residential and commercial. I dont know what to do. I really dont feel like anyone should have to pay for bodily injury other than her on this, but maybe that is just me being an asshole. It just doesnt feel right because the likelihood that they were playing clowncar with missing seatbelts is fairly high, and it was such low speeds. I didnt hit them in the door, it was front to front. Noone should have walked away from that with any real injuries if you were doing things like you were supposed to. I had minor bruises that lasted 2 to 3 days and were never visible. I'm about to be broken by some greedy person that just wants to cash in and I don't know if there really is anything I can do about it. Fight or not fighting both are too expensive for me to survive. I auto lose.

Basically was hit by one of their insurer. They never paid for an extension for the rental, I’m trying to get it to me but now my adjuster has been changed and never got back to me. Did a dismissed claim and it’s been 3 weeks now and I never got anything back. For the rental, they’ve been trying to wire but never went through. Now the other adjuster has to call me and never has in 4 business days. Is USAA this terrible

This is for a puppy that will be enrolled at 8 weeks old. All unlimited options: Pets Best - doesn’t cover alternative therapies such as shockwave, PRP, stem cells, PEMF - $50.87 month - 90% with $500 deductible Healthy Paws - my current insurance provider - no longer offers 90% coverage - policy states it doesn’t cover diseases preventable via vaccine which is concerning since vaccines don’t always cover all strains - $47.71 month - 80% with $250 deductible Pumpkin - sample policy says “we may decide not to renew your policy at the end of any policy period” which is concerning if you start having a lot of claims - $74.99 month - 90% with $500 deductible Figo - $51.99 month - no exams covered (or $62 with exams covered) - 90% with $500 deductible Any thoughts? I’m happy with Healthy Paws but the 80% is disappointing so considering other options

Basically what the title says. In July of last year I got bloodwork done at my doctors office back home after graduating from a 4 year university. A few months later I get a bill for 700$ saying that they charged it to my former school's insurance as opposed to my CA state insurance. I've gone to my doctor's office multiple times and each time they've said they'll handle it but quest keeps sending bills I'm back in college and need to save as much as I can, is there a way to resolve this with quest? A relative is saying I should send a notarized letter explaining the situation, but I've also heard if I call quest and give them my CA state insurance info it should be better. Is that still possible, or has too much time passed? What's the best thing to do now