This has been the worst insurance customer service I have ever hadI set my account up on auto pay and my son, who is 17, was set up on a separate account with auto pay with my credit cardWell for six months the auto pay did not come out for my son's accountWhen I finally realized it and called my agent, I was told he was covered but something was not set up rightI was told I would need to pay almost $for a mistake that the agent madeThe agent called billing and they set up a payment arrangement for an extra $a month
In October my son's transmission in his car went out and could not be driven any longerI called my agent and was told the car would be taken off my insuranceIn November my credit card was billed for $397, which I never authorized nor did I get a notice of the auto draft for that amountWhen I contacted my agent I was told that my son's car was reinstated on my insurance in error and I would be getting a credit on my account and she would text me an
This com***y use cheating price to let people in, and then it double the next month and do it every monthIt is a fraud and not responsible to customer, I got threaten even I cancelled the plan, they will still charge me for several months and it will run into collectionS*** service
Not my fault accident noticed as my fault under claim
my complaint involves issuesFailure to fully disclose company policy and failure to return monies confiscated
on may 1, I sought to cancel both my HO and auto insurance with KFB and Steve Page proceeded to do just thatafter signing the paperwork & taking my money for both policies in full, he then told me they would have to have a home inspection, just a "drive by" where they would take picturesI had no problem with this but he was told there would be no on site inspection of my home until I went to sellthat if it was a drive by they could do this at any timehe was also informed that my property is gated and lockedI was again assured they just needed to drive by & take picturesthis did not prove to be the case when I later received a call from Ryan (pages receptionist) stating I needed to call the office because the guy who came by to inspect my property on May & couldn't access itDESPITE THE FACT THAT STEVE PAGE HAD BEEN TOLD THIS ON MAY
I asked Thursday afternoon for proof of payment -- and they hung upYet, I called againThen they hung up -- againThey also are beyond incompetent -- two different people could not spell my email address correctlyAnd I had told it to each of them twice
Agent continually charges my credit card for someone else's billing without authorizationThey have been able to do so by saving my card information to someone else's account for reoccuring charges, when it was only authorized for one time usageThey have been pushing the charge through by using the original authorization number from my card company
They have done this twice even though I have replaced my card twiceThe 1st time the security code was changed and the second time the entire account number was changed
State Farm has disregarded the dispute placed my card holder and has continued to find ways to push charges through
I have been a customer with Carol Jones State Farm for approximately 3+ years In 2016, due to an accident of my second car my insurance monthly rates went from $per month to a month and periodically continues to go up with this month rate being $The large insurance amount started in early when I applied for home insurance along with my auto insurance I was quoted a price of $for both, but was declined for homeowner insurance, however, the amount was never adjusted downward for just auto coverage I called Ms Jones and spoke to either her or her associates on several occasions regarding the large payment required to keep coverage for my auto and was told that this amount was correct and could not be adjusted I recently (this month) requested that she rerun my credit report in order to get me a better rate but the amount came down from $a month to $a month
I am the only person on the policy and was told by MsJones that my rate
Me & my wife have had insurance coverage with state farm insurance [KAREN RUTLEDGE AGENCY ] since we recently received a cancellation notice on 8/28/that our insurance for our auto/boat/renters insurance was cancelled on 8/21/due to non payment of premiumWhich is not true ! we have always payed our premiums before their due dates we have copies of the cancelled checks that were cashed & printed & signed receipts from her & her office we ALWAYS PAY IN PERSON IN THE OFFICE & WITH A CHECK to have written record of every transaction on AUGEST 28th @ app :pm: we went to her office to see what the problem was SHE stated that we had not payed our premiums for AUGEST OR JULY AGAIN which is a BOLD FACE LIE ! BECAUCE SHE IS THE ONE WHO CASHED OUR CHECKS & PRINTED US A RECIEPT & SIGNED IT or was taken by her assistant & SIGNED & WAS ENTERED INTO THEIR COMPUTER she also stated that we owed rather than an amount of which w
I transferred my policy from lisa Allens office years ago to a new location where I live, I also wanted to transfer my boyfriends because we live together and had it all togetherWe both called multiple times, sent letter and emails and had my current agents office call and Lisa would not send itIt has been almost years now of her collecting commission from us against our wishes and she continues to not send it over
Dan Garber, my State Farm agent did not provide me with adequate policy coverage to insure and protect my home in case of catastrophic lossHe allowed the policy to be written tremendously lower than the estimated cost to rebuildThis was without my knowledge and confirmed not only by my builder but also by State Farm's own claims adjustor and the CSR at State Farm corporate officeAfter my home suffered a total loss claim from fire damage, the insurance company agreed to only pay a small settlement amount for the underinsured policy amountThis does not even come close to rebuilding my houseI stand by my position that the real negligence is on the insurance agency for not recommending sufficient policy coverage limits to protect my investment
Product_Or_Service: Homeowner Insurance Policy
Our state farm agent wanted us to add a person with a learners permit on our insurance policy they told us if we didn’t they would cancel our policy So they did then a month and a half later they decided to reinstate the policy but turned around and charged us for the month and a half that THEY cancelled the policyAs a customer I feel that if you cancelled my policy for an invalid reason (because as far as I’m concerned you don’t have to have your own insurance with a learners permit in the state of Texas) and told me it was cancelled and had no coverageHow can you then turn around a month and a half later and charge me telling me I did have coverage? I adamantly believe that if I would have gotten in a wreck during that time they wouldn’t have covered my accidentI tried to contact customer service and file a complaint on my agent but they told me they could do nothing for me to call my insurance agentI wondered why they even give you the option to file a complaint against the agent if they don’t care and then just turn around and make you talk to the same agent that caused you the frustration in the first placeI am now changing insurance agencies
I started a new policy after receiving a quote from StatefarmThe quote was incorrect and I was advised I could keep the policy for a little over weeksAfter speaking with my previous insurance carrier (Allstate), I was able to continue my policy as if I never canceledI provided this information to Statefarm on Septemeber the 12th via e-mailThe cancellation was forwarded for processing on the 13th
I called the following day to ensure my message was received as I received no responseI was assured everything was being processedI have yet to receive my refundI call last week and request my refund be expedited as I was canceling as a result of incorrect information quoted to me
I called this morning and made an official complaint and advised that keeping my funds and collecting interest that is not being provided to me is not fair or good business practicesI was told the check was possibly cut this morningI am still not happy with this process as my funds were i
I've been with State Farm for over years nowFirst on my parents policy (*** ** *** **.), then moving to my own policy thereafter under *** *** (Maiden name) ***Within the past few years I've been living in Houston, I've had damage to my car due to flooding, and this third time when Harvey hit, State Farm decided to total my car in fullNot only did they want to total my first vehicle (Pontiac G8), I found out today (9/22/2017) that they will be terminating my policy for my other vehicle Impala Chevy (which is now the only car I have to drive) Monday Sept 25, As a loyal customer who has a life policy on myself and my children, I would think they would take better care of their customers, when they need it the most but here that is not the caseFor State Farm to completely negligent their customers is in time of need is disgraceful and self servingNow on top of having to get our lives back on track after the storm, we now have to find a new i
I added a new car to my insurance policy on 7/22/and removed an old vehicleI spoke to my agents office on 7/24/to make sure everything was in order and to find out how much my insurance will go up ($35)I paid my bill on 7/5/2017, auto payThey have now taken another $out of my account, 7/29/I called the companies 1-number and spoke to a repThey can't tell me why more money was taken out of my account, but say a bill was sent out on the 11thI never received a billWhen I spoke to my agents on 7/24, I was informed that I owe nothing and my next payment will be 8/I have now incurred a $fee from my bankI want all of my money back, including the $feeState Farmowrs me $133.92!!!
I closed my VB State Farm policy after selling my home in July of After looking to open a policy in Arizona, I discovered that I have a claim showing from 10-Jan-This had been my first experience with a claim and I was given the impression that nothing would affect me if it did not proceedIt is my intent to have this cleared so that I am not impacted further in the futureThe Arizona office provided contact information for LexisNexis who later told me that they could see a claim previously existed, but as of 2-Nov did not show in their systemThey sent the attached document as verification*** *** at the Arizona office advised that she still sees the claim in the system and was not able to waive an increased deductibleShe provided *** *** as a contact for disputing the record with State Farm (details below)
To summarize the claim in question, I was in Afghanistan from June thru December of During that time there was a hurricane and some significan
I've been a loyal customer to State Farm for years having car, renters, and home insurance(for both of my homes)I make sure I pay my bills on or ahead of time every monthI have a lease so I HAVE to carry full coverageAny time there's a discrepancy on my account I get a call from my agent to let me know I have to update my payment method or if there's a coverage change, which I appreciateI felt like they were actually looking out for my best interestThis last time they didn't contact me at allI was thinking State Farm was still receiving payments and I find out that they haven'tI don't get anything in the mail, no email, no phone callThey just let my insurance lapse (WHICH I DIDNT WANT TO HAPPEN AT ALL! I NEED MY INSURANCEI WOULD HAVE PROVIDED THEM WITH A NEW PAYMENT METHOD IF THEY TOLD ME THEY HAVENT RECEIVED IT)State Farm said they sent something in the mail but I didn't receive anythingThe only notice I got was my agent's assistant finally emailed me on the 26th
This agency has lapsed my coverage for the second time in less than years They sent me NO notification in the mail stating they did not receive payment In fact the only notice they sent me concerning March was that my card on file was due to expire, which it was They claim that a notice was sent, but can not explain why it did not reach my address when the card notification did They also refuse to explain why my payments keep changing, along with the dates Sometimes it is $on the 28th of each month, and now it is $ Plus there are months where they charge on the 1st and 28th of the month This being the 2nd time they have done this, the DMV will not issue a fine, only allowing surrender of my plates for days The first time they did this I highly complained and they did nothing, which left me unable to get other reasonable insurance elsewhere Instead I had to wait for months before I could shop around for better rates, at which time they lapsed me aga
I hit an accident and Indiana State Law requires that car seats be replaced after an accidentI replaced the car seats and submitted receipts for the car seatsState Farm sent me a check that they had stopped payment on! I cashed the check and a week later my bank pulled the money from my accountMy bank account is now negativeI was first told to (this all came from the claims department), "just call your bank account and tell them the check is good and they'll put the money back", then I was hung up on several times because, apparently this just can't happen, then I spoke to another person who told me they could just release the funds on the check and the money would go back into my bank account-after speaking to my bank I found out this wasn't true!!! I called State Farm Claims once again and they were supposed to be electronically transferring the funds which hasn't been done!! I have received the stop payment check from my bank with State Farms name on it and also a nice lette
On June 6, A claim was filed with Statefarm and they took possession of the car on my policy due a incident involving the car being submerged in water due to a storm in FloridaThe car is registered in MarylandThe vehicle was towed to a salvage yard for whatever reason of which I assume it was for the insurance company to assess the vehicle ( no other option was given)Three weeks later it was towed to a shop to be evaluated by a mechanicClose to four weeks later Statefarm agreed to replace the engine in the vehicle Two weeks after the engine arrived at the Mitsubishi dealership in Orlando Florida the engine was said to have been installed but once on conference call with the manager of the shop we were told it was never installed and neither party ever evaluated the vehicles value versus repairsAfter daily calls, engine order, months past by and as of September 6-the vehicle was deemed to be a total lossNow mind you this entire time I'm paying $300+ / month in ins
I transferred from Nashville, TN to Tempe, AZ in April I requested in the beginning of April to have both my auto and renters insurance transferred to Tempe, AZI put in the request to both officesI was told via phone by the one of the representatives in the Tempe, AZ office that my policies had been transferred and my bill would remain under $However, my auto insurance policy did not transfer and I was not notifiedAlso, my policy went up to over $the months after initial payment of under $August 28, I notified both State Farm agencies that there was an issue with my bill to which both agencies said they would resolveI was also told that I would receive a refund for the over-payment of the previous months to which I have not receivedA week has passed and I have received no responseI reach out today, September 5, 2017, with no response
I did not renew my policy and selected a different company yet State Farm automatically took my money for an additional months till I caught it
Because State Farm continually raised my rates on my automobile policy I told them I would be looking for a different company At the end of my policy time, July 14th, 2017, I contracted with *** ***Co and took their policy on July 15th, State Farm continued to automatically take my money out of my checking account on July 15, Aug, and Sept until I caught it in September For months I had been paying for different Car Insurances When I caught it, I called my local SF Insand was told to come to their office to show them my declaration page from Travelers I went to their local office in Belleview on 10/10/and I spoke with ** *** He said he thought I would get all my money back He filled out the paperwork to stop the deductionsHowever he did not back date it to when my policy ended on July
This has been the worst insurance customer service I have ever hadI set my account up on auto pay and my son, who is 17, was set up on a separate account with auto pay with my credit cardWell for six months the auto pay did not come out for my son's accountWhen I finally realized it and called my agent, I was told he was covered but something was not set up rightI was told I would need to pay almost $for a mistake that the agent madeThe agent called billing and they set up a payment arrangement for an extra $a month
In October my son's transmission in his car went out and could not be driven any longerI called my agent and was told the car would be taken off my insuranceIn November my credit card was billed for $397, which I never authorized nor did I get a notice of the auto draft for that amountWhen I contacted my agent I was told that my son's car was reinstated on my insurance in error and I would be getting a credit on my account and she would text me an
This com***y use cheating price to let people in, and then it double the next month and do it every monthIt is a fraud and not responsible to customer, I got threaten even I cancelled the plan, they will still charge me for several months and it will run into collectionS*** service
Not my fault accident noticed as my fault under claim
my complaint involves issuesFailure to fully disclose company policy and failure to return monies confiscated
on may 1, I sought to cancel both my HO and auto insurance with KFB and Steve Page proceeded to do just thatafter signing the paperwork & taking my money for both policies in full, he then told me they would have to have a home inspection, just a "drive by" where they would take picturesI had no problem with this but he was told there would be no on site inspection of my home until I went to sellthat if it was a drive by they could do this at any timehe was also informed that my property is gated and lockedI was again assured they just needed to drive by & take picturesthis did not prove to be the case when I later received a call from Ryan (pages receptionist) stating I needed to call the office because the guy who came by to inspect my property on May & couldn't access itDESPITE THE FACT THAT STEVE PAGE HAD BEEN TOLD THIS ON MAY
I asked Thursday afternoon for proof of payment -- and they hung upYet, I called againThen they hung up -- againThey also are beyond incompetent -- two different people could not spell my email address correctlyAnd I had told it to each of them twice
Agent continually charges my credit card for someone else's billing without authorizationThey have been able to do so by saving my card information to someone else's account for reoccuring charges, when it was only authorized for one time usageThey have been pushing the charge through by using the original authorization number from my card company
They have done this twice even though I have replaced my card twiceThe 1st time the security code was changed and the second time the entire account number was changed
State Farm has disregarded the dispute placed my card holder and has continued to find ways to push charges through
I have been a customer with Carol Jones State Farm for approximately 3+ years In 2016, due to an accident of my second car my insurance monthly rates went from $per month to a month and periodically continues to go up with this month rate being $The large insurance amount started in early when I applied for home insurance along with my auto insurance I was quoted a price of $for both, but was declined for homeowner insurance, however, the amount was never adjusted downward for just auto coverage I called Ms Jones and spoke to either her or her associates on several occasions regarding the large payment required to keep coverage for my auto and was told that this amount was correct and could not be adjusted I recently (this month) requested that she rerun my credit report in order to get me a better rate but the amount came down from $a month to $a month
I am the only person on the policy and was told by MsJones that my rate
Me & my wife have had insurance coverage with state farm insurance [KAREN RUTLEDGE AGENCY ] since we recently received a cancellation notice on 8/28/that our insurance for our auto/boat/renters insurance was cancelled on 8/21/due to non payment of premiumWhich is not true ! we have always payed our premiums before their due dates we have copies of the cancelled checks that were cashed & printed & signed receipts from her & her office we ALWAYS PAY IN PERSON IN THE OFFICE & WITH A CHECK to have written record of every transaction on AUGEST 28th @ app :pm: we went to her office to see what the problem was SHE stated that we had not payed our premiums for AUGEST OR JULY AGAIN which is a BOLD FACE LIE ! BECAUCE SHE IS THE ONE WHO CASHED OUR CHECKS & PRINTED US A RECIEPT & SIGNED IT or was taken by her assistant & SIGNED & WAS ENTERED INTO THEIR COMPUTER she also stated that we owed rather than an amount of which w
I transferred my policy from lisa Allens office years ago to a new location where I live, I also wanted to transfer my boyfriends because we live together and had it all togetherWe both called multiple times, sent letter and emails and had my current agents office call and Lisa would not send itIt has been almost years now of her collecting commission from us against our wishes and she continues to not send it over
Dan Garber, my State Farm agent did not provide me with adequate policy coverage to insure and protect my home in case of catastrophic lossHe allowed the policy to be written tremendously lower than the estimated cost to rebuildThis was without my knowledge and confirmed not only by my builder but also by State Farm's own claims adjustor and the CSR at State Farm corporate officeAfter my home suffered a total loss claim from fire damage, the insurance company agreed to only pay a small settlement amount for the underinsured policy amountThis does not even come close to rebuilding my houseI stand by my position that the real negligence is on the insurance agency for not recommending sufficient policy coverage limits to protect my investment
Product_Or_Service: Homeowner Insurance Policy
Our state farm agent wanted us to add a person with a learners permit on our insurance policy they told us if we didn’t they would cancel our policy So they did then a month and a half later they decided to reinstate the policy but turned around and charged us for the month and a half that THEY cancelled the policyAs a customer I feel that if you cancelled my policy for an invalid reason (because as far as I’m concerned you don’t have to have your own insurance with a learners permit in the state of Texas) and told me it was cancelled and had no coverageHow can you then turn around a month and a half later and charge me telling me I did have coverage? I adamantly believe that if I would have gotten in a wreck during that time they wouldn’t have covered my accidentI tried to contact customer service and file a complaint on my agent but they told me they could do nothing for me to call my insurance agentI wondered why they even give you the option to file a complaint against the agent if they don’t care and then just turn around and make you talk to the same agent that caused you the frustration in the first placeI am now changing insurance agencies
I started a new policy after receiving a quote from StatefarmThe quote was incorrect and I was advised I could keep the policy for a little over weeksAfter speaking with my previous insurance carrier (Allstate), I was able to continue my policy as if I never canceledI provided this information to Statefarm on Septemeber the 12th via e-mailThe cancellation was forwarded for processing on the 13th
I called the following day to ensure my message was received as I received no responseI was assured everything was being processedI have yet to receive my refundI call last week and request my refund be expedited as I was canceling as a result of incorrect information quoted to me
I called this morning and made an official complaint and advised that keeping my funds and collecting interest that is not being provided to me is not fair or good business practicesI was told the check was possibly cut this morningI am still not happy with this process as my funds were i
I've been with State Farm for over years nowFirst on my parents policy (*** ** *** **.), then moving to my own policy thereafter under *** *** (Maiden name) ***Within the past few years I've been living in Houston, I've had damage to my car due to flooding, and this third time when Harvey hit, State Farm decided to total my car in fullNot only did they want to total my first vehicle (Pontiac G8), I found out today (9/22/2017) that they will be terminating my policy for my other vehicle Impala Chevy (which is now the only car I have to drive) Monday Sept 25, As a loyal customer who has a life policy on myself and my children, I would think they would take better care of their customers, when they need it the most but here that is not the caseFor State Farm to completely negligent their customers is in time of need is disgraceful and self servingNow on top of having to get our lives back on track after the storm, we now have to find a new i
I added a new car to my insurance policy on 7/22/and removed an old vehicleI spoke to my agents office on 7/24/to make sure everything was in order and to find out how much my insurance will go up ($35)I paid my bill on 7/5/2017, auto payThey have now taken another $out of my account, 7/29/I called the companies 1-number and spoke to a repThey can't tell me why more money was taken out of my account, but say a bill was sent out on the 11thI never received a billWhen I spoke to my agents on 7/24, I was informed that I owe nothing and my next payment will be 8/I have now incurred a $fee from my bankI want all of my money back, including the $feeState Farmowrs me $133.92!!!
I closed my VB State Farm policy after selling my home in July of After looking to open a policy in Arizona, I discovered that I have a claim showing from 10-Jan-This had been my first experience with a claim and I was given the impression that nothing would affect me if it did not proceedIt is my intent to have this cleared so that I am not impacted further in the futureThe Arizona office provided contact information for LexisNexis who later told me that they could see a claim previously existed, but as of 2-Nov did not show in their systemThey sent the attached document as verification*** *** at the Arizona office advised that she still sees the claim in the system and was not able to waive an increased deductibleShe provided *** *** as a contact for disputing the record with State Farm (details below)
To summarize the claim in question, I was in Afghanistan from June thru December of During that time there was a hurricane and some significan
I've been a loyal customer to State Farm for years having car, renters, and home insurance(for both of my homes)I make sure I pay my bills on or ahead of time every monthI have a lease so I HAVE to carry full coverageAny time there's a discrepancy on my account I get a call from my agent to let me know I have to update my payment method or if there's a coverage change, which I appreciateI felt like they were actually looking out for my best interestThis last time they didn't contact me at allI was thinking State Farm was still receiving payments and I find out that they haven'tI don't get anything in the mail, no email, no phone callThey just let my insurance lapse (WHICH I DIDNT WANT TO HAPPEN AT ALL! I NEED MY INSURANCEI WOULD HAVE PROVIDED THEM WITH A NEW PAYMENT METHOD IF THEY TOLD ME THEY HAVENT RECEIVED IT)State Farm said they sent something in the mail but I didn't receive anythingThe only notice I got was my agent's assistant finally emailed me on the 26th
This agency has lapsed my coverage for the second time in less than years They sent me NO notification in the mail stating they did not receive payment In fact the only notice they sent me concerning March was that my card on file was due to expire, which it was They claim that a notice was sent, but can not explain why it did not reach my address when the card notification did They also refuse to explain why my payments keep changing, along with the dates Sometimes it is $on the 28th of each month, and now it is $ Plus there are months where they charge on the 1st and 28th of the month This being the 2nd time they have done this, the DMV will not issue a fine, only allowing surrender of my plates for days The first time they did this I highly complained and they did nothing, which left me unable to get other reasonable insurance elsewhere Instead I had to wait for months before I could shop around for better rates, at which time they lapsed me aga
I hit an accident and Indiana State Law requires that car seats be replaced after an accidentI replaced the car seats and submitted receipts for the car seatsState Farm sent me a check that they had stopped payment on! I cashed the check and a week later my bank pulled the money from my accountMy bank account is now negativeI was first told to (this all came from the claims department), "just call your bank account and tell them the check is good and they'll put the money back", then I was hung up on several times because, apparently this just can't happen, then I spoke to another person who told me they could just release the funds on the check and the money would go back into my bank account-after speaking to my bank I found out this wasn't true!!! I called State Farm Claims once again and they were supposed to be electronically transferring the funds which hasn't been done!! I have received the stop payment check from my bank with State Farms name on it and also a nice lette
On June 6, A claim was filed with Statefarm and they took possession of the car on my policy due a incident involving the car being submerged in water due to a storm in FloridaThe car is registered in MarylandThe vehicle was towed to a salvage yard for whatever reason of which I assume it was for the insurance company to assess the vehicle ( no other option was given)Three weeks later it was towed to a shop to be evaluated by a mechanicClose to four weeks later Statefarm agreed to replace the engine in the vehicle Two weeks after the engine arrived at the Mitsubishi dealership in Orlando Florida the engine was said to have been installed but once on conference call with the manager of the shop we were told it was never installed and neither party ever evaluated the vehicles value versus repairsAfter daily calls, engine order, months past by and as of September 6-the vehicle was deemed to be a total lossNow mind you this entire time I'm paying $300+ / month in ins
I transferred from Nashville, TN to Tempe, AZ in April I requested in the beginning of April to have both my auto and renters insurance transferred to Tempe, AZI put in the request to both officesI was told via phone by the one of the representatives in the Tempe, AZ office that my policies had been transferred and my bill would remain under $However, my auto insurance policy did not transfer and I was not notifiedAlso, my policy went up to over $the months after initial payment of under $August 28, I notified both State Farm agencies that there was an issue with my bill to which both agencies said they would resolveI was also told that I would receive a refund for the over-payment of the previous months to which I have not receivedA week has passed and I have received no responseI reach out today, September 5, 2017, with no response
I did not renew my policy and selected a different company yet State Farm automatically took my money for an additional months till I caught it
Because State Farm continually raised my rates on my automobile policy I told them I would be looking for a different company At the end of my policy time, July 14th, 2017, I contracted with *** ***Co and took their policy on July 15th, State Farm continued to automatically take my money out of my checking account on July 15, Aug, and Sept until I caught it in September For months I had been paying for different Car Insurances When I caught it, I called my local SF Insand was told to come to their office to show them my declaration page from Travelers I went to their local office in Belleview on 10/10/and I spoke with ** *** He said he thought I would get all my money back He filled out the paperwork to stop the deductionsHowever he did not back date it to when my policy ended on July