• Report: #97916
Complaint Review:

Combined Insurance - Brian Land

  • Submitted: Wed, July 07, 2004
  • Updated: Sat, September 30, 2006

  • Reported By:winchester Kentucky
Combined Insurance - Brian Land
www.combinedinsurance.com Nationwide U.S.A.

Combined Insurance (Brian Land) rip-off! They keep taking premium out of my checking account after I canceled policy 3 months ago. Chicago Illinois *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Suggestion: How you should of canceled your Policies.

*UPDATE Employee: Report it!!!

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I took Combined Insurance out on my family and my employees. We took the insurance the first week of April 2004. We, the employees and myself, decided we no longer wanted the insurance so I called the agent who sold it to us, Brian Land. I cancelled the insurance on or around April 15, 2004.

Brian, the agent, informed me that this could cost him his job where so many employees cancelled at once. However, he did say he would take care of it and no more money would be taken from my business account. On my May bank statement $1175.00 was taken from my account. On June 2, 2004 $1175.00 was taken from the account and on July 1, 2004 $1175.00 was taken.

Now the company, Combined, is telling me we cannot get a refund because it was reported to the main office. I guess Brian Land took it upon hisself not to tell me about a written statement I was suppose to type. I guess he feared his job since 12 employees cancelled at once. Is this right? $3525.00 these people took from me.

winchester, Kentucky

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


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 you 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!


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/comptroller 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.


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

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.
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CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 07/07/2004 09:08 AM and is a permanent record located here: http://www.ripoffreport.com/reports/combined-insurance-brian-land/nationwide/combined-insurance-brian-land-rip-off-they-keep-taking-premium-out-of-my-checking-accou-97916. 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.

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Updates & Rebuttals

#1 Consumer Suggestion

How you should of canceled your Policies.

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

First there is a 10 day free look. If you returned the applications either back to the company or the agent in the field. Well, I would of suggested sending to the company. He figured you had the applications still and knew you wouldn't call the company right away. Then you would of certainly got the first payment back to you. Then he would of been charged back the whole commission he was paid. Than that would of stopped the following months from being charged.

So if you didn't get your money back now, it is because of the agent. I would get him on some complaint through the department of insurance since he is working in the BEST INTEREST OF THE PUBLIC.... Good Luck in the future. It is the Agent not the Company's fault. He took you for your MONEY and RAN AWAY.
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#2 UPDATE Employee

Report it!!!

AUTHOR: John - (Afghanistan)

Brian was never in danger of being fired by Combined. Due to their unethical practices it is difficult for them to keep employees. Not that they care. They have an assembly line of new recruits. The district I worked in had two managers. Everyone else was a new recruit. What happens if your employees cancel these policies at the same time? Brian has to cough up the fee he received for selling them to you. Those bills he was finally able to pay off stack back up. I've heard of alot of Combined employees getting busted. That's why I quit the first week in the field. The company starves their employees into doing things of this nature. I feel sorry for Brian. :(
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