Cost-U-Less Insurance Center - all area locations

Regarding the customer's concern, the customer was informed that both the auto and motorcycle could not be combined in a single policy and he agreed to purchasing a policy for his automobile onlyThe downpayment and its fees were disclosed both verbally and in writingAfter reviewing and in agreement the customer signed the policy paperworkThe customer has provided proof of duplicate coverage and National General processed a flat cancellation and issued two refundsAs a gesture of good faith, Freeway Insurance has issued a refund for it's feesThe customer has agreed with the solution

Regarding the customer’s concern, the customer was unable to pay the down payment in full As a gesture of good faith, Cost U Less Insurance Center, Incoffered the customer to pay a partial paymentThe customer agreed and authorized that the outstanding balance be charged to her credit
card on July 9, or until paidUnfortunately, the attempt done on July declinedOur system automatically continued to make attempts to draft the account and was able to charge some of the balanceWe take great pride in assuring that all customers are treated with respect and excellent service and apologize for any inconvenienceOur Supervisor has spoken to the customer and reached a payment arrangementThe customer has agreed with the solution

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me

With the information provided we are unable to locate this customer in our system in order address her concernsIn addition, the salesperson mentioned has not worked for our company in almost years We have made attempts to speak to the customer to further assist but have not received
a returned callWe welcome the customer to contact our Customer Service Department , Monday through Friday from 8:am to 5:pm for assistance

In reference to the customer's concern, the policy transaction was completed electronically. All documents were sent to the customer via email and verbally explained. The customer was asked to review all documents for accuracy and understanding. The customer signed the documents thereby...

agreeing to the terms. Prior and after the receipt of the Revdex.com complaint we have explained the information to the customer regarding choosing a repair facility of her choice to no avail. This is part of the insurance company’s terms which we cannot make changes to.

In regards to the customer's concern, Multi-State Insurance sets the due date 19 days from the start of the policy and grants 10 additional days to make the monthly payment. We take great pride in assuring all customers are provided with exceptional service and apologize for any...

inconvenience. We spoke to the customer, explained the billing and issued a refund as a courtesy which she accepted as a resolution.

Customer states: The company has sent me two checks so far and I will be receiving my last third check. If they do not send it to me I will call back and re-open the complaint.

Regarding the customer's concern, the customer was informed that both the auto and motorcycle could not be combined in a...

single policy and he agreed to purchasing a policy for his automobile only. The downpayment and its fees were disclosed both verbally and in writing. After reviewing and in agreement the customer signed the policy paperwork. The customer has provided proof of duplicate coverage and National General  processed a flat cancellation and issued two refunds. As a gesture of good faith, Freeway Insurance has issued a refund for it's fees. The customer has agreed with the solution.

Review: I set up a policy for 267.00 down and 96.00 a month for full coverage insurance. After I agreed to this policy they sente a letter saying they found 2 tickets I'm another state when I told the representative that I had those 2 tickets and she said well California can't find them so we can't charge you insurance quote with them. I said are you sure before I gave her my bank card to set up the policy. She said no maam 267.00 down and 96.00. I said ok I agree to that amount. I signed all documents online with represntive on phone with me. Then 10 days later I get a policy in the mail from them saying now my amount monthly was changing to 148.00 a mo because of the 2 tickets she (Representative )said they couldn't add that to your policy due to not being able to locate those records.I called to decuss the major increase in the policy. The man by the name of [redacted] too my call and I complained about the policy amount being increased without my knowledge and how dishonest this company was after taking my bank card in the amount of 267.00 plus 20.00 to run my debit card for the policy she quoted from the beginning for 267.00 down and 96.00 a month. I asked how do u take my money for a policy I was never going to get. I said this is a scam and no one ever called me to ask if I wanted this new policy they came up with on there own. Very dishonest to do this to people. Im 8 months pregnant and this is stressful for me and the baby.I told [redacted] I just want my money back and I don't want to do business with you people I feel this was just a scam to take my money. [redacted] told me just scan an email to him that I want to cancel insurance with them I will be refunded. I said ok I sent email to [redacted] he said he received it but said please lete have the insurance broker call u back to give you a lower amount. I said have them call but I'm not agreeing to anything until I see it in writing 1st. [redacted] said no problem we will fix this. Then I never got a call back. I called back 3xDesired Settlement: I want a full refund!!! I was scammed!!!

Business

Response:

We are unable to quote violations that are not disclosed to us by the customer or listed on a motor vehicle report. In regards to the customer's policy, we do not show that any out of state violations were disclosed to us to be quoted. Multi-State Insurance processed the application, reviewed the rating factors and located two out of state violations that caused an increase in premium. We have spoken to the customer and as a courtesy issued a refund of our fees. Additionally, we have offered the start a new policy waiving our fees.

Review: I made out a cancellation notice at the Madera office of Cost U Less Insurance & switched to [redacted] Ins. Group in Fowler, CAL. I'm sending to you the collection notice of $27.00.

Desired Settlement: DesiredSettlementID: I want the collection amount cleared out of my name of $27.00.

Business

Response:

Initial Business Response

In regards to the customer's concern, Personable Insurance Company processed the customer's cancellation request and it was determined that there was a remaining balance due for premium. As a gesture of good faith, Cost U Less Insurance proccessed an online payment for the balance due on the canceled policy. The customer has agreed with the solution.

Review: Purchase full coverage car insurance from cost u less, [redacted]. She gave false information to us and the company we purchase our insurance from. Ive call several times and spoke with [redacted] and other reps from CUL ins. and unsuccessful resolved this matter. [redacted] stated she falsified our information to purchase insurance which resulted in our coverage increase significantly. This was done without our consent and with our knowledge. Today I called CUL ins. again to fix this false information. I am back at square one and no help in resolving this matter.Desired Settlement: I want my money back as I had to look for other insurance not with Cost U Less. Will not do business with this fraudulent company and their incompetent reps.

Business

Response:

We take great pride in assuring all customers are provided exceptional service and will take the necessary steps to assure all customers have a positive experience when contacting our office. The customer’s file has been reviewed and have determined that there is no wrong doing. The customer’s signed request to change vehicles from a 2001 to a 2015 model caused the increase on the policy. Upon receiving the complaint, we have contacted the customer and have issued a refund as a courtesy; the customer has agreed with the solution.

Review: On September 17th, 2015 I had called my previous car insurance rep to get a better price on a policy. I gave them the two vehicles VIN and models that I needed priced. Since I had used them for the last 6 years they already had this information anyway. They quoted me a competitive price and I decided to use their services again. I made sure to clarify coverage, deductible and models of vehicles. I was told that I had coverage starting on 9/27/15. However, I received my insurance cards in the mail on 9/30/15 with the wrong coverage. They had replaced my 2000 Ford Explorer with an older cheaper model. I immediately contacted cost-u-less to rectify the issue. They informed me that to change the policy there would be a fee and the premium would go up. I argued this point stating that they quoted me a price for a policy that they did not follow through on. I had sent pictures of the VIN to clarify and was verbally assured that I was covered on the vehicles selected. They did not provide the service promised at the price quoted. In order to have current insurance I was forced to pay additional of $248. I have asked to be refunded for this amount. Corporate was given 24 hours to respond and they have not done so.Desired Settlement: Since I was quoted verbally for a price and reassured of the service that I paid for then I would like to receive compensation for the extra $248 that was spent.

Business

Response:

In regards to the customer’s concern, he originally had indicated that three vehicles had to be insured but opted to insure two instead. Inadvertently, the incorrect vehicle was insured but has been corrected. We take great pride in assuring all customers are provided exceptional service and apologize for any inconvenience caused. As a courtesy, we have issued a refund of the broker fee charged and the customer has agreed with the solution.

Review: This company is behaving fraudulently. They work with 3rd party companies and have no professional log of customer content. You sign up for cost u less in which you pay a fee and they send you to a third party company of their. I was sent a cancellation notice regarding the policy due to lack of information shortly after signing up. Neither company is taking responsibility for this and claiming I owe money for cancellation due to non payment. National general and cost u less are both telling me it must be the other company. I Filled a complaint with my bank after which cost-U-less volunteered to refund me. In the process of disput with national general cost-u-less decided because their paperwork stated I have services, regardless of my awknowlegement after receiving a cancelation that they were withdrawing from my refund in which my bank Chase is now charging me 324. Dollars With no notice. Cost u less has offered to pay the debt with national general only if I restart my policy with a different company through cost-u-less. thus forcing me as a very unhappy customer to spend my money with their company. I have never been so unhappy with a company in my entire life. I have spent hours on the phone with both company's being pointed to the other company in which national general confirmed cost u less had credited me intentionally. National general has held their composure as a business while cost u less continues to offer horrible customer service. I would never recommend anyone use this company. You sign up with this company and your servies are not with them and they refuse to take care of their customers. After you are signed up you can pay your bill for just where they charge you a bunch of money to do some research and when you have and problem with the company you are stuck between two business's with no professional log of costumer content from each other. Both claiming they are unable to assist you due to theUnless of course, you wish to sign on with another business through their company.Desired Settlement: I would like to be refunded I'm full. The money that my bank and national general are saying I owe. I would like a sencere apology letter explaining why the company is sorry and how they are making changes to ensure thus never happens to another customer again. I would also like to be paid 200 dollars for the countless hours I have spent on the phone between the companies and now my bank.

Business

Response:

Cost-U-Less insurance is a broker who works with many insurance companies in order to find and provide our clients with an auto insurance policy that best fits their needs. We regret that the customer has not had a good experience and for any misunderstanding. We made many attempts to contact the customer without success prior to the complaint filed with the Revdex.com. Once the customer contacted us back, we came to a resolution and have refunded $235.

Review: I was contact by [redacted] and asked if I would like to shop for a lower policy because my contract with current provider was coming due. I agreed, let her know my stipulations, and then she proceeded to shop for me.My stipulations:-Must be cheaper than current policy-billing must be at the end of the month because I only get paid 1xmonth with my jobShe called me back we found a policy. This was on January 29th. I asked multiple times when my bill would be do BEFORE I signed any paperwork. She let me know that my bill would be due on the 27th which made sense since I started my policy on the 29th. I paid the upfront costs which was over $300. I was satisfied with my services at this point in time. Yesterday, February 12th I received a bill from MultiState saying that my payments would consequently be on the 17th. I called [redacted] she told me I needed to call insurance. I called my insurance they said [redacted] would have to take care of this. [redacted] then persisted to not pick up my phone calls which led me to call customer service. Today I get a phone call and they tell me there is nothing that they can do to change my billing. I would have never signed up for this policy nor paid the deductible if they would have provided me with the truth. They offered to shop around for a new policy but I would still be on the line for the payment for this month AND if I started a new policy I would have to pay a new deductible. How does that make sense? I would have just paid $500 for 18 days of coverage and then would be required to pay a new deductible and a new monthly payment for a new policy. I was deliberately lied to by my agent so that she could get her sale. I am sure that calls or recorded so there is proof of my conversation and they told me I must have misunderstood. I didn't misunderstand anything, I was lied to.Desired Settlement: I just want my policy to be due on the 27th as I was promised from my broker. If I do have to start a new policy I want to cost-u-less to cover the upfront costs for this. I feel like this is only fair since their employee deliberately provided me with false information to get me to sign paperwork. my new policy (if started) must be the same if not cheaper than what I am paying now without any loss in coverage.

Business

Response:

In regards to the customer's concern, Multi-State Insurance sets the due date 19 days from the start of the policy and grants 10 additional days to make the monthly payment. We take great pride in assuring all customers are provided with exceptional service and apologize for any inconvenience. We spoke to the customer, explained the billing and issued a refund as a courtesy which she accepted as a resolution.

Review: Back in June I purchased a policy with [redacted](Real name [redacted]). She was new there and not knowledgeable about the products she was selling. It took her almost 2hr to sell me a policy. She had to keep going back to her manager ([redacted]) for information who finally got on the phone to finish it out. I was never sent my policy nor roadside assistance information. What she did send me was the transcript of our conversation. Well I was in a accident and had to contact the insurance carrier. That is where I learned that if I wanted to get my car fixed I had 2 options. Either take it to their facility to be fixed or take it to my own and be charge 20% of the total cost to fix the car along with the $500 deductible. I told them that I was not told about the 20% charge they said it was in my contract and that I would have to contact the person who sold me the policy. I contacted Cost U Less and was given the run around. They were rude and very unprofessional. I finally got in contact with [redacted] who then told me that she only sells the policies and that she doesn't know what's in them. I asked her how long had she been there she stated 5 months. I asked for a supervisor and was passed off to a sweepstakes line. No one will own up to this and now I'm being charged to get my car fixed. My car insurance company is [redacted] and basically I'm being steered to go to their body shop if I want it covered for 100% which is not fair. Then I asked for the check to come in my name and was told it had to go to the shop. My car is paid off so I don't understand why I the payment can't come to me. And all because I was sold a policy with all these hidden features that was not disclosed to me at the time of the sell. Which is unfair. Now I want to cancel my policy and was told I would have a cancelation fee. This is very bad practice!Desired Settlement: I would like to have my car fixed at the shop of my choice. Since I wasn't told about that 20% fee, then my car need to be fixed with me paying the deductible of 500 only. They need to contact [redacted] and fix their mistake. They need to own up to not properly training their employees. If I have to pay the 20% then they need to refund it to me since their employee did not disclose that information to me. And I wast to be able to cancel my contract with out the fees due to their mistake.

Business

Response:

In reference to the customer's concern, the policy transaction was completed electronically. All documents were sent to the customer via email and verbally explained. The customer was asked to review all documents for accuracy and understanding. The customer signed the documents thereby agreeing to the terms. Prior and after the receipt of the Revdex.com complaint we have explained the information to the customer regarding choosing a repair facility of her choice to no avail. This is part of the insurance company’s terms which we cannot make changes to.

Review: I called Cost u less insurance on friday november 11th for a price quote on my 2014 dodge Challenger and my 2013 Harley Davidson. After giving my Vin#'s and dl# I was quoted 97 dollars a month, so I made a appointment to change over. I went to the business Nov 11th to fill out the paperwork. She stated that it would be 123 dollars a month, and a deposit of 500 dollars for the policy. I told her that this was more than I was quoted , but seemed fair for both vehicles. She ran my card for 250 dollars as I was signing the papers. When I got through most of the signing I noticed that my motorcycle was not on there, so I asked why and she said that would be on a seperate policy. I asked her is it the same price and she said no. I said wait we are done here and I would be paying more for my insurance than I am paying now so why would I do that. She stated that was the best price she could get so I told her no way I am trading. She stated no problem and that I need to come back in within 24 hours to get the 250 dollars credited back to my card and that it would be 2 to 3 weeks before it would be credited, so I agreed. I returned the next morning and they filled out the paperwork and I thanked her.I waited the three weeks and upon looking at my credit card statement I found that not only did they pull out the 250 dollars on the 11th, they again had taken another 250 dollars on the 26th of November. I called customer service today and they offered to pay me 225 of the 500 they removed from my account. I feel I owe nothing as I was lied to and recieved no services. I never dropped my insurance as their price was to high.Desired Settlement: I just want the charges of 500 dollars reversed to my card, as I never purchased anything.

Consumer

Response:

Customer states: The company has sent me two checks so far and I will be receiving my last third check. If they do not send it to me I will call back and re-open the complaint.

Business

Response:

Regarding the customer's concern, the customer was informed that both the auto and motorcycle could not be combined in a single policy and he agreed to purchasing a policy for his automobile only. The downpayment and its fees were disclosed both verbally and in writing. After reviewing and in agreement the customer signed the policy paperwork. The customer has provided proof of duplicate coverage and National General processed a flat cancellation and issued two refunds. As a gesture of good faith, Freeway Insurance has issued a refund for it's fees. The customer has agreed with the solution.

Review: The agent gave me a quote over the phone, I had previously given her authorization to run my DL# and car registration for driver history 2 weeks prior. I cancelled my ins based on the price I was given and when I went in for my appt she scheduled for me, she1. Did not remember appt.2. Did not know my name3 Blamed her computer for inaccuracies{ new system excuse}4. Said price she gave me was not correct5. She had not run my driver info even though she had all info 2 weeks earlier6. Was treated like "Oh well you don't have to do business here"7. My car ins price had gone up substantially8 . I was felt and treated like I am a mn9. I know bait and switch when I see it.10. I got her to deduct $50 from price after 20 min arguement11. Could not give an accurate price for the full year she kept saying well if you pay this and that then you get this and that. 12. I call BAIT abd SWITCH andDesired Settlement: I want the price I was quoted given to me which was $289.00 for the first 6 months of insurance I paid $239.00 at the time plus I have to pay $39.00 for the next 3 months. I want the 39.00 for the next three months to be adjusted by $67.00 off the 3 months payments. I will find another company to go with when this policy ends Sept 12 2015.

Business

Response:

With the information provided we are unable to locate this customer in our system in order address her concerns. In addition, the salesperson mentioned has not worked for our company in almost 2 years. We have made attempts to speak to the customer to further assist but have not received a returned call. We welcome the customer to contact our Customer Service Department , Monday through Friday from 8:30 am to 5:30 pm for assistance.

Review: I paid $150 down and still had to pay $50 that same week. and when I decided to cancel, I was told I had to pay a $60 fee.

August 8, 2013 I paid $140, they never gave me a receipt, then on August 16, 2013 I was told I had to pay $49. I decided to cancel on September 17, 2013, I was then told I had to pay a $ 60 termination fee. They used scare tactics to try and keep me as a customer.Desired Settlement: I want all my money back

Business

Response:

Initial Business Response

In regards to the customer's concern, a new policy was purchased that offered a lowered rate. A payment of $140.00 was collected to start and the customer authorized to charge the remaining balance of $142.00 to his credit card. The prior policy was canceled and the insurance company charged a $44 cancellation fee as stated on the application signed by the customer. Our records do not show that a payment of $150.00 was made, an additonal $50 was needed or that a payment of $49.00 was due. As a gesture of good faith, Cost U Less waived the remaining balance due of $142.00.

Review: I opened my car insurance through cost-u-less insurance about two months ago when I purchased my new vehicle an had to put the first an last months payment as well as a processing fee, then I called to pay my bill on the 1st of October to find out my account had been canceled an they wouldn't tell me why or explain to me what happened they refuse to refund my down payment an just keep putting me on hold instead on answering my questions or helping be reinstate my insuranceDesired Settlement: Refund of my down payment which was over five hundred dollars.

Business

Response:

In regards to the customer's concern, the down payment paid included the first month of coverage and our fees. [redacted] Insurance issued a letter to the customer requesting additional information was needed prior to October 1, 2015, to avoid the policy from cancelling. The customer provided the documentation after the policy canceled and we forward it to [redacted] Our Customer Service spoke to the customer, who advised he did not want to reinstate the policy. Therefore, as a courtesy we offered a refund from our fees and he accepted as a resolution.

Review: Previously insured by the same Co. due to auto accident. I needed to remove a 2006 ford focus and start insurance on a 2010 for focus. Broker [redacted] assisted me. she was difficult in understanding what I wanted in my way of insurance and mislead me to a statement she said was going to be my monthly insurance rate $82.06. I was not agreeable to any extra fees.On a bank statement there were additional money taken out $58.99, $157.85, then after I recieved my ban Statements with the withdrawals. I went back spoke with [redacted] and he called a [redacted] told him that I was upset and unhappy with [redacted]. I complained to the ###-###-#### 4-5 times, they didn't have a reason for the confusion and prices. I was mislead verbally to believe my monthly car insurance was $82.06. I went back to speak with her personally for understanding-she was not in the office any longerDesired Settlement: (Then recieving mail on two different prices)I would like my $58.99 and $157.85 back. I have had no problem with this company until this misleading account with [redacted].

Business

Response:

In regards to the customer's concern, we processed the change in the Stonewood Insurance Company website which showed a premium increase of $85. The payment of $58.99 was for the current month of May and the $157.85 was for the June payment. We have many many attempts to speak to the customer to no avail. We welcome the customer to contact [redacted] ###-###-#### for further assistance.