To whom it may concern,
This letter is written for the purpose of registering a formal complaint against the above listed corporation for the following negligence.
1. Failing to cancel an automotive insurance renewal policy request.
2. Making a claim against me for failure to pay the policies payment.
3. Reporting this information to a collection agency which results in issuing a negative impact against my credit score.
I had contacted Liberty Mutual in two separate written correspondences to their billing address to cancel the upcoming renewal policy prior to the policies effective date. I had stated that I already received an insurance policy with another insurance provider, State Farm Insurance, and did not want to renew my policy and to cancel it. I had also called this corporation by phone also informing them of this same information and was told that they had in fact received these written requests but that the billing department that had received these requests would not cancel this new policy that had not taken effect. It was not an issue of these requests being submitted late but rather it is their billing department's policy not to grant any requests to cancel any policies for any reason. Liberty had not contacted me in any way to inform me of this policy of theirs, but rather discarding these requests and allowing the policy to go into effect and charging me for the policy.
I believe this was negligence on behalf of Liberty Mutual to not cancel the policy nor communicate this with me. They choose rather to allow the policy to go into effect, even though I had insurance with another provider, and send me bills requesting payment. This was followed up with submitting my failure to pay to a collection agency with this inaccurate obligation negatively impacting my credit score. I had planned on purchasing a new car and doing some home remodeling work which would require a bank loan but at this point because of this incorrect negative information listed against me it will cost me a higher loan rate. Needless to say I am very upset with this corporation's failure to offer adequate service to its customers. I had used this corporation's service for four consecutive years and had just received a better rate with another insurance provider. I question whether this was done out of some kind of corporate policy to either charge and collect fee's for services they did not give or at the very least it is a very poor corporate policy not to honor cancellation request nor inform their customers of this fact or maybe it is used to aggravate the customer for his changing providers. To teach the customer some kind of lesson for changing providers, to make it a time consuming and costly undertaking making a customer think twice about changing to a competing insurance provider.
I have spent an exhaustive amount of time and money in pursuit of resolving this matter with Liberty Mutual and have concluded that I must seek notifying any and all regulatory agencies about there services and policies
If this is mailed correspondence you will find attached the following documents. You will see that the State Farm policy effective date took immediate effect at the end of the current Liberty Mutual policy ending in 704. The Liberty Mutual renewal policy ending in 705 had the same starting effective date as of the State Farm policy of 12/25/05
1. Liberty Mutual policy# *******-704 Effective dates: 12/25/04 to 12/25/05 12:01AM standard time
2. State Farm policy# ******* 12/25/05 to 6/25/06
3. Credit Collection Services of Boston, MA.: File Number: ******* Date: 3/27/06 amount of $72.00
I expect Liberty Mutual to contact me in writing within 30 days of receipt of this complaint confirming that they have removed any and all claims and negative credit information against me or I will be forced to seek legal counsel to resolve this issue.
The following are some of the agencies I will be submitting a copy of this correspondence to seeking help in this matter.
Better Business Bureau
Office of Insurance Regulation
State of Florida Consumer Affairs
Florida Department of Agriculture and Consumer Services
Federal Trade Commission
Credit Collection Services
U.S.A. Click here to read other Rip Off Reports on Liberty Mutual