• Report: #167710

Complaint Review: Progressive Auto Insurance

  • Submitted: Mon, December 12, 2005
  • Updated: Thu, May 20, 2010

  • Reported By:kansas Illinois
Progressive Auto Insurance
progressive.com Internet U.S.A.

Progressive Auto Insurance Stole Christmas from my KIDS, Took money from my checking accout after Canceling policy, Ripoff Internet *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: Auto Withdrawals

*Author of original report: I am telling the whole truth and nothing but the truth

*UPDATE EX-employee responds: You're only telling half the truth....

*UPDATE EX-employee responds: You're only telling half the truth....

*UPDATE EX-employee responds: You're only telling half the truth....

*UPDATE EX-employee responds: You're only telling half the truth....

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On November 28 2005 I canceled my policy through progressive and went to (competitor's name deleted - see below)(better rates), however on December 1 2005 they stole money from my bank accout. Here it is December 12 2005 and they have yet to give back the money.

I did not find out about them taking the money till I started to get returned check notices from the bank. Each check being returned cost me $20.00 in bank fees. I talk to them about this problem and they refused to pay for the damage that they caused. Not to mention the fact that for every check returned is going to cost me $25.00 to pick up at the place it was wrote.

Total cost to me over all this was close to $1000.00. Also being this close to Christmas it is going to be imposible to make enof money to replace what I had to take from our Christmas money inorder to keep our bills up.

So as you can see that is why I say that they stole Christmas from my kids. How do you tell kids under 11 that santa is not coming to our house this year?!?!

Bobby
kansas, Illinois
U.S.A.

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EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

This report was posted on Ripoff Report on 12/12/2005 05:23 PM and is a permanent record located here: http://www.ripoffreport.com/r/Progressive-Auto-Insurance/internet/Progressive-Auto-Insurance-Stole-Christmas-from-my-KIDS-Took-money-from-my-checking-accou-167710. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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Updates & Rebuttals

#1 Consumer Comment

Auto Withdrawals

AUTHOR: WarZak - (United States of America)

Bobbi,

I can relate to your situation here as I have had headaches with trying to cancel policies and other things in the past.  As far as the bank goes, they should have been more assisting and elpful in getting you back your money and fees paid for the bounced checks.  However, as far as the insurance company itself goes, I find it hard to believe that they outright stole your money.

It seems to me that you had a direct withdrawal system set up with Progressive, suggested by the fact that you didn't mention having to write them a check for the stolen money.  Since the payment came out on December 1, and you called to cancel only 3 days before then, it is most likely that the payment was already being processed, and unfortunately once that process starts, it is hard to stop it before the money is taken out.

I had a similar situation when I canceled my policy with my previous insurance company.  I officially canceled the policy on the 14th of the month, and on the 19th the payment for the following month's insurance was taken out of my bank account.  When this occurred, I called the company and let them know that I would like to have that payment reimbursed since I didn't need or want their insurance coverage for that time period.

I received a reimbursement check from them in the mail about a month later.  I don't necessarily want to play devil's advocate for Progressive, but it seems that you should have anticipated the auto-withdraw coming out and not counted on having that extra money for bills.  That's just my two cents worth.
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#2 Author of original report

I am telling the whole truth and nothing but the truth

AUTHOR: Bobby - (U.S.A.)

Well lets see you say that i am telling only half the truth, so if you would like i could send you more of the truth(just give me a fax or email and that would not be a problem). I called my self and canceled the policy and recevied the notice of canceling before money was taking out. As for the $1000 that was the total money in bank fees and fees from the places that checks where returned to. Progressive took a total of $243 out of my account on Dec. 1 and did not return but $193 on Dec 22. What they keeped was fees for taking and returning my own money. Also if you think that i am lying just give one of your buddies a call at progressive and ask to here the taped phone call that i made to them when i did cancel. But ohh you cant make out half the conversaion due to it is all staticy. Wonder who messed with the tape?? They say that it is because i was on cell phone, well that is a lie on there half because a called them from a land line. But the truth of it all is that progressive is a rip off and they did steel Christmas from my kids, because they never made it right with me and now christmas is over. I did however have to take out bank loans just to cover some of the fees. And still have some bad checks out there and still working with the companys that have them in order to get them paid. So like i said if you think that i am not tell the truth just get me a fax or email and i will send you the proof.
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#3 UPDATE EX-employee responds

You're only telling half the truth....

AUTHOR: B - (U.S.A.)

You're only telling half the truth because when you cancel a policy on EFT it takes that account off the system unless you have a refund coming back to you. If there is an outstanding balance they will send a paper bill for the balance. I bet that you figured that since your policy started with another company that it would automatically cancel but that is not the case, also if it cost you $1000 then you would have to be wealthy because if $1000 broke you there is no way you would have a $1000 withdrawal coming out monthly. The last thing that sounds suspect that I know for a fact is that if it was Progressive's error that money would have been back in your checking account in 3 days or they would have overnight a check with the bank fees included, because that is something that irks me the most is that they reimburse to many fees made by customers mistakes, so if it was Progressive's mistake there is no doubt that the check would have been sent out. Be truthful you thought that the other company would cancel the insurance for you and they didn't and now since you didn't notify Progressive of the new insurance they refused to refund the fees because it was your fault. If your monthly withdrawal was $1000 for a Kansas policy you have to have the worst driving record in history or have the most expensive cars known to man and if that is the case $1000 wouldn't have affected you that much, but you are only telling half the truth.
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#4 UPDATE EX-employee responds

You're only telling half the truth....

AUTHOR: B - (U.S.A.)

You're only telling half the truth because when you cancel a policy on EFT it takes that account off the system unless you have a refund coming back to you. If there is an outstanding balance they will send a paper bill for the balance. I bet that you figured that since your policy started with another company that it would automatically cancel but that is not the case, also if it cost you $1000 then you would have to be wealthy because if $1000 broke you there is no way you would have a $1000 withdrawal coming out monthly. The last thing that sounds suspect that I know for a fact is that if it was Progressive's error that money would have been back in your checking account in 3 days or they would have overnight a check with the bank fees included, because that is something that irks me the most is that they reimburse to many fees made by customers mistakes, so if it was Progressive's mistake there is no doubt that the check would have been sent out. Be truthful you thought that the other company would cancel the insurance for you and they didn't and now since you didn't notify Progressive of the new insurance they refused to refund the fees because it was your fault. If your monthly withdrawal was $1000 for a Kansas policy you have to have the worst driving record in history or have the most expensive cars known to man and if that is the case $1000 wouldn't have affected you that much, but you are only telling half the truth.
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#5 UPDATE EX-employee responds

You're only telling half the truth....

AUTHOR: B - (U.S.A.)

You're only telling half the truth because when you cancel a policy on EFT it takes that account off the system unless you have a refund coming back to you. If there is an outstanding balance they will send a paper bill for the balance. I bet that you figured that since your policy started with another company that it would automatically cancel but that is not the case, also if it cost you $1000 then you would have to be wealthy because if $1000 broke you there is no way you would have a $1000 withdrawal coming out monthly. The last thing that sounds suspect that I know for a fact is that if it was Progressive's error that money would have been back in your checking account in 3 days or they would have overnight a check with the bank fees included, because that is something that irks me the most is that they reimburse to many fees made by customers mistakes, so if it was Progressive's mistake there is no doubt that the check would have been sent out. Be truthful you thought that the other company would cancel the insurance for you and they didn't and now since you didn't notify Progressive of the new insurance they refused to refund the fees because it was your fault. If your monthly withdrawal was $1000 for a Kansas policy you have to have the worst driving record in history or have the most expensive cars known to man and if that is the case $1000 wouldn't have affected you that much, but you are only telling half the truth.
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#6 UPDATE EX-employee responds

You're only telling half the truth....

AUTHOR: B - (U.S.A.)

You're only telling half the truth because when you cancel a policy on EFT it takes that account off the system unless you have a refund coming back to you. If there is an outstanding balance they will send a paper bill for the balance. I bet that you figured that since your policy started with another company that it would automatically cancel but that is not the case, also if it cost you $1000 then you would have to be wealthy because if $1000 broke you there is no way you would have a $1000 withdrawal coming out monthly. The last thing that sounds suspect that I know for a fact is that if it was Progressive's error that money would have been back in your checking account in 3 days or they would have overnight a check with the bank fees included, because that is something that irks me the most is that they reimburse to many fees made by customers mistakes, so if it was Progressive's mistake there is no doubt that the check would have been sent out. Be truthful you thought that the other company would cancel the insurance for you and they didn't and now since you didn't notify Progressive of the new insurance they refused to refund the fees because it was your fault. If your monthly withdrawal was $1000 for a Kansas policy you have to have the worst driving record in history or have the most expensive cars known to man and if that is the case $1000 wouldn't have affected you that much, but you are only telling half the truth.
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