A-Affordable Insurance Agency

I was told by Rachel on [redacted] that I'd have a refund by [redacted] instead I received a lette. Still no one can determine when I will have a check.On [redacted] I started an insurance policy with [redacted] insurance via Kaitlynn at A-Affordale requiring a [redacted] downpayment which was financed through [redacted] On [redacted] I canceled with [redacted] via AAforadable. [redacted] fwd a 2A cancelation form with AAffordable said they did not receive. To which I forwarded it to them myself via my own personal email. On [redacted] I called AAforable spoke to a number of people including Supervisor[redacted] and representatives [redacted], and [redacted]. Neither were able to tell me how much my refund would be. On[redacted] I spoke to a very unprofessional supervisor named [redacted] who states "we are not your agent anymore we can't help you." when in fact what very refund I would be receiving would go to AAffordable before it would get to me. [redacted] states I will receive a refund of [redacted] To which I was shocked and upset considering the significant difference in amount. He can't explain to me why the amount its significantly different just that affordable is no longer my agent since I chose to leave the company and go to [redacted] He advised me to call [redacted] of [redacted] to file a complaint instead of [redacted] even proceeded to give me their phone number. I called on [redacted]. Spoke to [redacted]. Who explained in [redacted] there is a short rate penalty for canceling and insurance policy within the first 30 days where they will keep 5%. I called back [redacted] explained that [redacted] never made me aware of this when I started the policy, nor did [redacted] on my attempt to cancel. [redacted] responds "I'll pull up the calls and use them for training purposes," Laughs and disconnects my call. On [redacted] I spoke to [redacted] a supervisor, who stated I should have my refund check by [redacted] Instead I get a letter from [redacted] on [redacted] stating my refund will be forwarded to agent XXXXX at AAffordabe [redacted] (when the issue at hand is with AAfordable in [redacted] today, there is no check. I call AAforable again I get the supervisor [redacted], who places me on hold for 30mins then disconnects the phone call, AGAIN. I call back the representative states he is out of the office. I explain I was just speaking with him and the call got disconnected on his end and I hadn't received a call back. if she could locate [redacted] so I can see the result of his investigation of my claim. She finds [redacted]. Immediately, he is rude and unprofessional. After every statement I make he is very dismissive saying "yup yup, so, what do you want me to do about it? yup. yup." Then ends with do ou want to call [redacted] yourself? I said yes. He gives me the number. I get representative [redacted] who states she doesn't understand why anyone would give me a date of when I should expect a check. I ask for a supervisor. I get [redacted] who is immediately aggressive and angry. Asking me questions then speaking over me a I'm giving the answers. I did not like her tone, the conversation was cycling and she could not answer my questions. I asked for a different Supervisor. She said she is the only one. I told her she's unprofessional and I do not appreciate the way she is handling my call can I please speak to someone more professional. A new superivisor comes on after a 20 min hold. She explains [redacted] is in [redacted]. My account has been flagged for a rush delivery of check. Yes they did speak to [redacted] but never gave her a date of when to get my check. That the letter I received stating my check will go to AAffordable was in error that they have since changed to policy where refund checks now go direct to customer, me. That I should have my check in 10 business days. She states they will process it (print it) today ([redacted]) and mail it tomorrow [redacted]) in the Amount of [redacted]. I was unaware of Short rate policy I'd like my full refund, minus the 3 or 4 days worth of Commerce Insurance.Desired SettlementI was unaware of Short rate policy I'd like my full refund, minus the 3 or 4 days worth of [redacted]You can pull up the call with [redacted] on [redacted] around [redacted] pm. She did not tell me about a short rate fee. Neither did [redacted] on [redacted] at [redacted] I was made aware 2-3 weeks later by [redacted] of [redacted]on [redacted] the call around [redacted] with [redacted], he also seemed unaware said he will use my call for training purposes, but was unable to come up with a solution to satisfy us both, instead disconnected my call after snickering.Receive Business Response [redacted] XX-XX-XXXX) Ms. [redacted] did start a 12 month policy with our agency on [redacted] which she then voluntarily cancelled on [redacted]It is very rare that someone cancels a policy after just 4 days. Had we know that she were going to cancel so soon we could have informed her of the short rate penalties. Upon review we found that Commerce Insurance as well as [redacted] finance followed all [redacted] regulations. When Ms. [redacted] called our agency on 3/4 we informed her that it can take 4-6 weeks to process a refund. In an effort to help her we contacted Boston premium finance and requested an expedited refund. The carrier that she chose to leave us for is more than aware of short rate penalties and could have informed her of such. XXXX-XX-XX [redacted] - Received Consumer Rebuttal [redacted] XX-XX-XXXX) (The consumer indicated he/she DID NOT accept the response from the business.)That doesn't even make sense. So a affordable's policy is to warn the customer of short rates only if they are considering canceling? How would they know if they were considering canceling? Also, according to the supervisor [redacted], I should have been for warned that this could happen before I have my electronic signature. So now the response to my complaint is contradicting the phone call I had with [redacted] on [redacted] to which he stated "I will pull your phone call with [redacted] and use it as a training opportunity." So again I am not satisfied with this response. I was unaware of short rate penalty for cancelation. Even when I called to cancel on [redacted] not [redacted] did not notify me of this penalty.

I was told by Rachel on [redacted] that I'd have a refund by [redacted] instead I received a lette. Still no one can determine when I will have a check.On [redacted] I started an insurance policy with [redacted] insurance via Kaitlynn at A-Affordale requiring a [redacted] downpayment which was financed through [redacted] On [redacted] I canceled with [redacted] via AAforadable. [redacted] fwd a 2A cancelation form with AAffordable said they did not receive. To which I forwarded it to them myself via my own personal email. On [redacted] I called AAforable spoke to a number of people including Supervisor[redacted] and representatives [redacted], and [redacted]. Neither were able to tell me how much my refund would be. On[redacted] I spoke to a very unprofessional supervisor named [redacted] who states "we are not your agent anymore we can't help you." when in fact what very refund I would be receiving would go to AAffordable before it would get to me. [redacted] states I will receive a refund of [redacted] To which I was shocked and upset considering the significant difference in amount. He can't explain to me why the amount its significantly different just that affordable is no longer my agent since I chose to leave the company and go to [redacted] He advised me to call [redacted] of [redacted] to file a complaint instead of [redacted] even proceeded to give me their phone number. I called on [redacted]. Spoke to [redacted]. Who explained in [redacted] there is a short rate penalty for canceling and insurance policy within the first 30 days where they will keep 5%. I called back [redacted] explained that [redacted] never made me aware of this when I started the policy, nor did [redacted] on my attempt to cancel. [redacted] responds "I'll pull up the calls and use them for training purposes," Laughs and disconnects my call. On [redacted] I spoke to [redacted] a supervisor, who stated I should have my refund check by [redacted] Instead I get a letter from [redacted] on [redacted] stating my refund will be forwarded to agent XXXXX at AAffordabe [redacted] (when the issue at hand is with AAfordable in [redacted] today, there is no check. I call AAforable again I get the supervisor [redacted], who places me on hold for 30mins then disconnects the phone call, AGAIN. I call back the representative states he is out of the office. I explain I was just speaking with him and the call got disconnected on his end and I hadn't received a call back. if she could locate [redacted] so I can see the result of his investigation of my claim. She finds [redacted]. Immediately, he is rude and unprofessional. After every statement I make he is very dismissive saying "yup yup, so, what do you want me to do about it? yup. yup." Then ends with do ou want to call [redacted] yourself? I said yes. He gives me the number. I get representative [redacted] who states she doesn't understand why anyone would give me a date of when I should expect a check. I ask for a supervisor. I get [redacted] who is immediately aggressive and angry. Asking me questions then speaking over me a I'm giving the answers. I did not like her tone, the conversation was cycling and she could not answer my questions. I asked for a different Supervisor. She said she is the only one. I told her she's unprofessional and I do not appreciate the way she is handling my call can I please speak to someone more professional. A new superivisor comes on after a 20 min hold. She explains [redacted] is in [redacted]. My account has been flagged for a rush delivery of check. Yes they did speak to [redacted] but never gave her a date of when to get my check. That the letter I received stating my check will go to AAffordable was in error that they have since changed to policy where refund checks now go direct to customer, me. That I should have my check in 10 business days. She states they will process it (print it) today ([redacted]) and mail it tomorrow [redacted]) in the Amount of [redacted]. I was unaware of Short rate policy I'd like my full refund, minus the 3 or 4 days worth of Commerce Insurance.Desired SettlementI was unaware of Short rate policy I'd like my full refund, minus the 3 or 4 days worth of [redacted]You can pull up the call with [redacted] on [redacted] around [redacted] pm. She did not tell me about a short rate fee. Neither did [redacted] on [redacted] at [redacted] I was made aware 2-3 weeks later by [redacted] of [redacted]on [redacted] the call around [redacted] with [redacted], he also seemed unaware said he will use my call for training purposes, but was unable to come up with a solution to satisfy us both, instead disconnected my call after snickering.Receive Business Response [redacted] XX-XX-XXXX) Ms. [redacted] did start a 12 month policy with our agency on [redacted] which she then voluntarily cancelled on [redacted]It is very rare that someone cancels a policy after just 4 days. Had we know that she were going to cancel so soon we could have informed her of the short rate penalties. Upon review we found that Commerce Insurance as well as [redacted] finance followed all [redacted] regulations. When Ms. [redacted] called our agency on 3/4 we informed her that it can take 4-6 weeks to process a refund. In an effort to help her we contacted Boston premium finance and requested an expedited refund. The carrier that she chose to leave us for is more than aware of short rate penalties and could have informed her of such. XXXX-XX-XX [redacted] - Received Consumer Rebuttal [redacted] XX-XX-XXXX) (The consumer indicated he/she DID NOT accept the response from the business.)That doesn't even make sense. So a affordable's policy is to warn the customer of short rates only if they are considering canceling? How would they know if they were considering canceling? Also, according to the supervisor [redacted], I should have been for warned that this could happen before I have my electronic signature. So now the response to my complaint is contradicting the phone call I had with [redacted] on [redacted] to which he stated "I will pull your phone call with [redacted] and use it as a training opportunity." So again I am not satisfied with this response. I was unaware of short rate penalty for cancelation. Even when I called to cancel on [redacted] not [redacted] did not notify me of this penalty.

I was told by Rachel on [redacted] that I'd have a refund by [redacted] instead I received a lette. Still no one can determine when I will have a check.On [redacted] I started an insurance policy with [redacted] insurance via Kaitlynn at A-Affordale requiring a [redacted] downpayment which was financed through [redacted] On [redacted] I canceled with [redacted] via AAforadable. [redacted] fwd a 2A cancelation form with AAffordable said they did not receive. To which I forwarded it to them myself via my own personal email. On [redacted] I called AAforable spoke to a number of people including Supervisor[redacted] and representatives [redacted], and [redacted]. Neither were able to tell me how much my refund would be. On[redacted] I spoke to a very unprofessional supervisor named [redacted] who states "we are not your agent anymore we can't help you." when in fact what very refund I would be receiving would go to AAffordable before it would get to me. [redacted] states I will receive a refund of [redacted] To which I was shocked and upset considering the significant difference in amount. He can't explain to me why the amount its significantly different just that affordable is no longer my agent since I chose to leave the company and go to [redacted] He advised me to call [redacted] of [redacted] to file a complaint instead of [redacted] even proceeded to give me their phone number. I called on [redacted]. Spoke to [redacted]. Who explained in [redacted] there is a short rate penalty for canceling and insurance policy within the first 30 days where they will keep 5%. I called back [redacted] explained that [redacted] never made me aware of this when I started the policy, nor did [redacted] on my attempt to cancel. [redacted] responds "I'll pull up the calls and use them for training purposes," Laughs and disconnects my call. On [redacted] I spoke to [redacted] a supervisor, who stated I should have my refund check by [redacted] Instead I get a letter from [redacted] on [redacted] stating my refund will be forwarded to agent XXXXX at AAffordabe [redacted] (when the issue at hand is with AAfordable in [redacted] today, there is no check. I call AAforable again I get the supervisor [redacted], who places me on hold for 30mins then disconnects the phone call, AGAIN. I call back the representative states he is out of the office. I explain I was just speaking with him and the call got disconnected on his end and I hadn't received a call back. if she could locate [redacted] so I can see the result of his investigation of my claim. She finds [redacted]. Immediately, he is rude and unprofessional. After every statement I make he is very dismissive saying "yup yup, so, what do you want me to do about it? yup. yup." Then ends with do ou want to call [redacted] yourself? I said yes. He gives me the number. I get representative [redacted] who states she doesn't understand why anyone would give me a date of when I should expect a check. I ask for a supervisor. I get [redacted] who is immediately aggressive and angry. Asking me questions then speaking over me a I'm giving the answers. I did not like her tone, the conversation was cycling and she could not answer my questions. I asked for a different Supervisor. She said she is the only one. I told her she's unprofessional and I do not appreciate the way she is handling my call can I please speak to someone more professional. A new superivisor comes on after a 20 min hold. She explains [redacted] is in [redacted]. My account has been flagged for a rush delivery of check. Yes they did speak to [redacted] but never gave her a date of when to get my check. That the letter I received stating my check will go to AAffordable was in error that they have since changed to policy where refund checks now go direct to customer, me. That I should have my check in 10 business days. She states they will process it (print it) today ([redacted]) and mail it tomorrow [redacted]) in the Amount of [redacted]. I was unaware of Short rate policy I'd like my full refund, minus the 3 or 4 days worth of Commerce Insurance.Desired SettlementI was unaware of Short rate policy I'd like my full refund, minus the 3 or 4 days worth of [redacted]You can pull up the call with [redacted] on [redacted] around [redacted] pm. She did not tell me about a short rate fee. Neither did [redacted] on [redacted] at [redacted] I was made aware 2-3 weeks later by [redacted] of [redacted]on [redacted] the call around [redacted] with [redacted], he also seemed unaware said he will use my call for training purposes, but was unable to come up with a solution to satisfy us both, instead disconnected my call after snickering.Receive Business Response [redacted] XX-XX-XXXX) Ms. [redacted] did start a 12 month policy with our agency on [redacted] which she then voluntarily cancelled on [redacted]It is very rare that someone cancels a policy after just 4 days. Had we know that she were going to cancel so soon we could have informed her of the short rate penalties. Upon review we found that Commerce Insurance as well as [redacted] finance followed all [redacted] regulations. When Ms. [redacted] called our agency on 3/4 we informed her that it can take 4-6 weeks to process a refund. In an effort to help her we contacted Boston premium finance and requested an expedited refund. The carrier that she chose to leave us for is more than aware of short rate penalties and could have informed her of such. XXXX-XX-XX [redacted] - Received Consumer Rebuttal [redacted] XX-XX-XXXX) (The consumer indicated he/she DID NOT accept the response from the business.)That doesn't even make sense. So a affordable's policy is to warn the customer of short rates only if they are considering canceling? How would they know if they were considering canceling? Also, according to the supervisor [redacted], I should have been for warned that this could happen before I have my electronic signature. So now the response to my complaint is contradicting the phone call I had with [redacted] on [redacted] to which he stated "I will pull your phone call with [redacted] and use it as a training opportunity." So again I am not satisfied with this response. I was unaware of short rate penalty for cancelation. Even when I called to cancel on [redacted] not [redacted] did not notify me of this penalty.