Mountain West Farm Bureau Mutual Insurance Company

[redacted] [redacted] ** Mrs***, Your policies have not cancelled as we have yet to receive a signature It appears that you do not wish to sign the cancellation form provided to you Should you choose, you may create a document with your (or your husband’s) signature and attach it to this e-mail chain At that point we will cancel your policies As for renewing without your authorization, your policy states that subject to our consent, you may renew this policy for successive periods by payment to us of the premium we require to renew the policy Premium payment for any renewal period shall be due on the expiration of the preceding policy perio [redacted] S*e you signed to have your policies on a monthly charge, you authorized us to draft Additionally, renewal notices were sent out in advance, with no request to cancelS***erely, [redacted] *** Agency Manager Farm Bureau Financial Services [redacted] *** [redacted] * [redacted] *** [redacted] Registered Representative/ Securities & services offered through [redacted] *** [redacted] [redacted] *** [redacted] Member SIPC *Company of Farm Bureau Financial Services

See attached responseMarch 21, 2018Mr [redacted] Revdex.com Dispute Resolution & Ad Review Counselor [redacted] *** [redacted] This letter is in response to the above complaintWhen the agent submitted the application, the [redacted] was rated as a Light Truck; however, the vehicle does not qualify as a commercial vehicle by definitionThe underwriter made modifications at the time of issue moving the vehicle to Private Passenger rates causing an increase in premium It is Mountain West's procedure to send a letter to the insured explaining any changes which affect premium when issuing a policyIt does not appear this notification was sent regarding the changes made to Mr [redacted] 's policy; therefore, we will honor the original application submission until the policy renewal date of January 5, at which time the necessary corrections will be applied to the policyAny premium due the insured from this change will be forwarded to him as soon as possiblePlease feel free to contact me if you have any questions at [redacted] or [redacted] Sincerely, Ronda H [redacted] , CPCU, AU, AIM, AFIS Underwriting Director cc: Pat T***, Agent

Complaint: [redacted] I am rejecting this response because: The issue is the fact that I was overcharged on the policy due to unauthorized changesI need to be refunded in full, including the amount I was overcharged for the unauthorized changes Regards, [redacted] ***

August 18, [redacted] Dispute Resolution and Ad Review Counselor Revdex.com S Cty Rd Ste Fort Collins CO [redacted] Dear Mr [redacted] : We recently received the above-referenced complaint regarding the insured's remaining balance due of $On August 3, 2016, we received a request to delete the tenant's coverage and add the dwelling under construction at [redacted] effective July 5, The protection class for the dwelling was changed, causing an increased premium of $Due to an error in process, the insured was not sent a letter regarding this changeOur regular process requires the insured to be notified of any changes to their policyDue to our error, the insured's remaining balance of $94.83, including the late fee of $15, has been removedThere is currently nothing due on this policyIf you have any questions, please feel free to contact usSincerely, Ellen H [redacted] [redacted]

Complaint: [redacted] I am rejecting this response because:Information provided from the contains information which is not factual and is trying to confuse the issues of poor service and business practice against good faith Of the information provided I would gather that the team at Farm Bureau is not intent on providing insurable coverage that can be counted on as discussed and promisedSince Farm Bureau has lacked in the investigation into our insurance claim taking the statements as fact would only lead to more lies by Farm BureauIn order to make such statements one (Farm Bureau) should have promptly performed in a best faith effort to properly investigate Regards, [redacted] for [redacted] ***

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Thank you!
Regards,
*** ***

February 6, 2017 *** *** ***
*** *** *** ** *** *** *** *** ***
*** * *** ** * *** *** *** *** ** ***
*** *** *** * *** ***
*** *** * *** ***
*** ** *** * ***
*** * ***
Dear Mr
***: We recently received complaint number *** regarding our lack of response to the insured concerning their policy on collectionsOn April 21, 2016, the insured contacted our Customer Service Department requesting a payment plan for their policy on collectionThe insured was referred to our Collections Specialist, and the call was passed to the specialist's voicemailOur standard operating procedure is to log all voicemails in our tracking systemThere is no notice of the insured leaving a message with the specialist at that timeOn May 12, 2016, the insured called the Collections Specialist regarding the collection amountOur specialist attempted to return the call twice on May 12, Both times the specialist received a notice that the insured's voice mailbox had not been set up and had no option of leaving a messageWe have received no other correspondence or request from the insured regarding this collections amount. Please let us know if you have any questions. Sincerely, Jenny D***, CPCU Operations Director

from: *** *** to: *** *** ,*** *** ***
*** *** ***
*** ***
*** ***
*** *** ***date: Mon, Mar 16, at 12:PMsubject: RE: commission of insurance reference number *** **
Mrs***,
Your policies were canceled effective 02/09/(***) and 02/10/(***) per the information provided to us by your new insurance carrier and refunds were sent for the premium remaining after those dates Please be advised that any further correspondence needs to come directly to us from your attorney. Sincerely,*** ** *** Agency Manager Farm Bureau Financial Services *** *** ***
*** *
*** ** ***
*** *** Registered Representative/ Securities & services offered through *** *** *** ***
*** *** ***
*** *** *** ** ***
*** Member SIPC *Company of Farm Bureau Financial Services

RE: Insured *** ***Complaint ***Dear Mr***: Our adjuster performed an inspection of the damage caused by the roof leakingUpon inspection there was no damage to the roof and interior damage is excluded under this policy and a denial was sent to the insured. A claim was submitted on behalf of the contractor who installed the roofWe insure the contractor under a business policyThe determination was made that there was coverage for the interior damageThe roof installation is not covered under the policy, only the interior damage that is a result of the installation of the roofOur insured has refused to give a statement and but we notified him that the contractor policy will pay the interior damage and have requested copies of receipts, invoices etcof what he has paid so we can process for paymentTo date, we have not received this information Upon receipt we will pay what is owed from the contractor policy.
The contractor policy does not provide coverage for workmanship, only damages as a result of the workmanshipAny issues with replacing or repairing the roof are between the insured and the contractor. If you have any questions, please contact me
Sincerely,*** *** CPCU AIC SCLA AINSClaims Training Manager

from: *** *** to: *** *** ,*** *** ,*** *** ,"*** ***" ,*** *** ,*** ***
*** ***
*** *** *** ** *** ** *** **
*** *** *** ** *** *** *** *** **
By now you have received notification from the insurance company that DOES have legitimate coverage WITH my authorization on everything of mine.
Now you need to refund me the amount that was overcharged, the amount that the policy was ***reased WITHOUT my authorization, as well as EVERYTHING from February 9th and later (***luding the ***reased rate due to the unauthorized changes made by, I'm assuming, Mr*** ***).Consider this formal request for the return of the money that your company has stolen from meThis will be the last one that comes from meFurther correspondence will done solely through my attorney. *** *** *** ***
*** *** *** * *** *
*** ** ***
*** ***
*** *** *** *** *** *** *** ***
*** *** *** ** *** *** *** *** **
*** *** ** *** *** *** ***do we need some sort of translator for you, ***? what are you not understanding, sir? we all need to be on the same page ;) I am REALLY sick of repeating myself again and againIf you request another signature I will refer you to previous emailsCANCEL ALL ILLEGITIMATE POLICIES AND REFUND THE MONEY YOUR COMPANY HAD NO AUTHORIZATION TO TAKE.*** ***
*** *** *** *** *** *** *** ***
*** *** *** ** *** *** *** *** **
*** *** ** *** *** *** ***You did not have the authorization to renew any policyYou are requesting a signature for cancellation of policies that were not authorized in the first place, making the policy illegitimate to begin withYou cannot insure whatever you so choose for people and expect them to just accept it. You never had any authorization signature for the renewal of policies, so please remove the illegitimate policies entirely and refund the money you also were not authorized to steal from me. The policy that was not authorized needs to be ceased immediately as no one had the authorization to initiate the renewal, and the money that was stolen for said renewal needs to be returned.*** ***
*** *** *** *** *** *** *** ***
*** *** ** *** *** *** ***
*** *** *** ** *** *** *** *** **Mrs***,Your policies have not cancelled as we have yet to receive a signature It appears that you do not wish to sign the cancellation form provided to you Should you choose, you may create a document with your (or your husband’s) signature and attach it to this e-mail chain At that point we will cancel your policies. As for renewing without your authorization, your policy states that subject to our consent, you may renew this policy for successive periods by payment to us of the premium we require to renew the policy Premium payment for any renewal period shall be due on the expiration of the preceding policy perio** Since you signed to have your policies on a monthly charge, you authorized us to draft Additionally, renewal notices were sent out in advance, with no request to cancel.Sincerely,*** ** *** Agency Manager Farm Bureau Financial Services *** *** ***
*** *
*** ** ***
*** *** Registered Representative/ Securities & services offered through *** *** *** ***
*** *** ***
*** *** *** ** ***
*** Member SIPC *Company of Farm Bureau Financial Services From: *** *** [mailto:***] Sent: Thursday, February 19, 8:AMTo: *** ***; *** ***; *** ***; *** ***; *** ***; *** ***Subject: RE: commission of insurance reference number *** **Importance: HighI am re-sending as to include the Revdex.com as well.From: ***To: ***; b***.com; ***.com; ***.com; ***; ***Subject: RE: commission of insurance reference number *** **Date: Thu, Feb 04:35:-0800***, I would appreciate it if you would quit ignoring me, againI need confirmation of cancellation of all insurance, as requested since 2/16/2014, as well as a refund of the money that has been stolen from me for unauthorized and refused servicesI have been attempting to get business done with your company since January 20th and your company has failed to work with me, but still wants to steal my moneyI need a refund and cancellation immediately, as per requested as of 2/16/and every day since thenAlthough, you are making it easy for my lawyer, I would still like to just wrap this up... ***, please encourage *** to do the right thing, as you are the one who is handling the insurance commission complaintAnd I do have all the attachments and documentation that shows *** is a liar and the company has no respect for regulations, which is the biggest reason there is any issueThe company lying and telling me different things for the same regulations also led me to discover the overcharges, and s*e then they have drafted money from my account without my permissionI suppose the longer they want to drag this out, the more they can owe me, not to mention the time they have taken from me for redundant emails and cancellation requests. Really looking forward to being done with *** ***, *** ***, *** in the local office and every other ***, ***, *** ball that works for Mountain West Farm Bureau Insurance in Wyoming.Thank you!!From: ***To: ***; b***.com; ***.com; ***.com; ***; ***.***Subject: FWD: commission of insurance reference number *** **Date: Wed, Feb *** ***I do expect refund in full for the amount charged for policy renewals that were not authorized by myself or my husband. From: ***To: ***; b***.com; ***.com; ***.com; ***; ***.***Subject: commission of insurance reference number *** **Date: Wed, Feb 07:55:-0800You have ignored me, and there is proof in writing, thankfully, email includes a time stamp. Your company did not get a signature to renew any policy, so I shouldn't even be covered right now as isWhat I don't understand is how a company can make up regulations as they go along, then back track and disregard those exact regulations on their own regard, with a paper trail, none the less!! I will not sign anything more, you did not have authorization to renew ANY policy under my name, and now I have insisted since 2/16/for all insurance (which is unauthorized at this point) to be canceled immediately and my requests for that have also been ignored.From: ***To: ***CC: ***; ***.*** ***Date: Mon, Feb 12:45:-0700Subject: RE: Cancel ***, ***, ***, ***, *** *** *** ***Mrs***,I am not choosing to ignore you Your policy has not cancelled and will not cancel until we receive a signed cancellation Being a business person, I’m sure you can appreciate the fact that we are not able to cancel a policy simply by an e-mail message.When, and only when, you sign the cancellation, your policy will cancel and any unearned premium will be refunded.*** ** *** Agency Manager Farm Bureau Financial Services *** *** ***
*** *
*** ** ***
*** *** Registered Representative/ Securities & services offered through *** *** *** ***
*** *** ***
*** *** *** ** ***
*** Member SIPC *Company of Farm Bureau Financial ServicesFrom: *** *** [mailto:***] Sent: Monday, February 16, 12:PMTo: *** ***Subject: RE: Cancel ***, ***, ***, ***, *** *** *** ***I have record of each time you have chosen to ignore meYou probably shouldn't have selectively responded this morning ;) From: ***To: ***; b***.com; ***; ***.***Date: Mon, Feb 09:12:-0700Subject: RE: Cancel ***, ***, ***, ***, *** *** *** ***Mrs***,Please find the attached cancellation form You can complete it, scan it and e-mail it back to me, or you may drop it by the office in Sheridan We will need a signature to cancel these policies as an e-mail message will not suffice.*** ** *** Agency Manager Farm Bureau Financial Services *** *** ***
*** *
*** ** ***
*** *** Registered Representative/ Securities & services offered through *** *** *** ***
*** *** ***
*** *** *** ** ***
***, Member SIPC *Company of Farm Bureau Financial ServicesFrom: *** *** [mailto:***] Sent: Monday, February 16, 7:AMTo: *** ***; *** ***; *** ***; *** ***; ***.*** *** ***Subject: FW: Cancel ***, ***, ***, ***, *** *** *** ***resending as to include Mr*** ***, the person who all the previous conversations that I have reported have been with. From: ***To: ***.com; ***.com; ***.com; ***; ***.***Subject: RE: Cancel ***, ***, ***, ***, *** *** *** ***Date: Mon, Feb 06:17:-0800I need to cancel ALL forms of insurance I have with your company completelyEVERYTHING needs to be canceled immediatelyBoth personal and business policiesI also need to be reimbursed not only what I have already paid for this time around, but ALL the overcharged funds, as well.From: ***.comTo: ***CC: ***Date: Thu, Feb 16:08:-0700Subject: ***,We received approval from the home office to back-date removal of the *** from the policy effective 12/23/14, if you desire This will result in no premium being charged.This is another option that is available to you Please let me know if you’d like to do this.Thank you,*** ** ***Agent, LUTCFFarm Bureau Financial Services** *** *** *** *** *** ***
***
*** ***
***Registered Representative/Securities & services offered through*** *** *** ***
*** *** ***
*** *** *** ** ***
*** Member SIPCMountain West Farm Bureau *** Insurance CompanyFarm Bureau Life Insurance Company+*+Affiliates *Company provider of Farm Bureau Financial Services

RE: Policy Number *** and ***Insured *** and *** *** ***/*** Plus Complaint ***Dear Mr***: The insured has requested cancellation of both policiesWe were unable to cancel without a signature from the insured on a cancellation formWe are bound by state regulations that require us to secure the signature prior to any cancellationsThis is designed to protect policyholders from having policies cancelled without their knowledge and consent Our insured refused to provide the signatures, we do however have the ability to cancel a policy when there is proof that other insurance has been obtained by the insured.
Verification was received from *** *** and the policies were cancelled in accordance with the effective dates of the new policies The refund was calculated based on that date and refund checks were issued to the insured on March A breakdown of the financials on both policies was forwarded to the insured on March 13.
The question now is that the insured does not feel the refund is correctWe have paid the amount owed based on the cancellation date, and upon review find this amount to be correct.
If you have-any questions, please contact me Sincerely, *** *** CPCU AIC SCLA AIS AINS Claims Training Manager

See attached responseMarch 21, 2018Mr [redacted]Revdex.com Dispute Resolution & Ad Review Counselor[redacted] 
[redacted]
[redacted]
[redacted] 
This letter is in response to the above...

complaint. When the agent submitted the application, the 2008 [redacted] was rated as a Light Truck; however, the vehicle does not qualify as a commercial vehicle by definition. The underwriter made modifications at the time of issue moving the vehicle to Private Passenger rates causing an increase in premium.  It is Mountain West's procedure to send a letter to the insured explaining any changes which affect premium when issuing a policy. It does not appear this notification was sent regarding the changes made to Mr. [redacted]'s policy; therefore, we will honor the original application submission until the policy renewal date of January 5, 2019 at which time the necessary corrections will be applied to the policy. Any premium due the insured from this change will be forwarded to him as soon as possible. Please feel free to contact me if you have any questions at [redacted] or [redacted]. Sincerely, Ronda H[redacted], CPCU, AU, AIM, AFIS Underwriting Director cc: Pat T[redacted], Agent

August 18, 2017 [redacted] 
Dispute Resolution and Ad Review Counselor Revdex.com 8020 S Cty Rd 5 Ste 100 Fort Collins CO 80528 [redacted]
Dear Mr. [redacted]: We recently...

received the above-referenced complaint regarding the insured's remaining balance due of $94.83. On August 3, 2016, we received a request to delete the tenant's coverage and add the dwelling under construction at [redacted] effective July 5, 2016. The protection class for the dwelling was changed, causing an increased premium of $94.83. Due to an error in process, the insured was not sent a letter regarding this change. Our regular process requires the insured to be notified of any changes to their policy. Due to our error, the insured's remaining balance of $94.83, including the late fee of $15, has been removed. There is currently nothing due on this policy. If you have any questions, please feel free to contact us. Sincerely, Ellen H[redacted] 
[redacted]

This was forwarded to our customer service department; agent of record and the agency manager for a response.  These are attached and include a timeline.  As you can see  every effort was made to work with the insured on the changes to their policy.   If you need anything...

else, please let me know.  It is unfortunate that Mr. [redacted] is not happy with our service and  we take these requests seriously.    The agency manager, Todd S[redacted] did visit with Mr. [redacted] on July 10th.

[redacted]...

[redacted] 
Mrs. [redacted], Your policies have not cancelled as we have yet to receive a signature.  It appears that you do not wish to sign the cancellation form provided to you.  Should you choose, you may create a document with your (or your husband’s) signature and attach it to this e-mail chain.  At that point we will cancel your policies.  As for renewing without your authorization, your policy states that subject to our consent, you may renew this policy for successive periods by payment to us of the premium we require to renew the policy.  Premium payment for any renewal period shall be due on the expiration of the preceding policy perio**  S[redacted]e you signed to have your policies on a monthly charge, you authorized us to draft.  Additionally, renewal notices were sent out in advance, with no request to cancel. S[redacted]erely,  [redacted] Agency Manager Farm Bureau Financial Services [redacted] 
[redacted] 
[redacted] 
[redacted]   Registered Representative/ Securities & services offered through [redacted] 
[redacted] 
[redacted] 
[redacted] Member SIPC   *Company of Farm Bureau Financial Services

Complaint: [redacted]
I am rejecting this response because: Nothing has been settle** The "refund" is not for the correct amount. It's cute that they demand all correspondence be done through my attorney, as all correspondence he has already been included on. If we proceed that way, they will be paying for my legal fees as well as refunding me the CORRECT amount that was stolen from me. I REALLY want to be done with this horrible company and its [redacted]ompetent representatives. Please refund me the amount you actually owe me. It's already been established that you (Farm Bureau) as I have a refund check already. Now, let's just get the right amount on that check and everything will be wrapped up!! 
Regards,
[redacted] Thank you, [redacted], for all of your time and effort with this far less than reputable insurance company. From now on, they will only be rightly referred to as "the thieves".

Complaint: [redacted]
I am rejecting this response because: The policy was never authorized that they have taken money for and are now demanding a signature for cancellation. They did not have any permission from myself nor my husband to renew any policy, nor take any more money from me s[redacted]e the day this dispute started on January 20, 2015.Everything they have stolen from me s[redacted]e that day needs to be returne** I have all of my bank documents. They started lying on the phone and in person, which is what initiated email contact. S[redacted]e then, they have continued to lie, but now I have it all in writing. This dispute is about a policy that is not authorized by myself nor my husband, but we are being refused cancellation or refund from [redacted]luded below my signature to this email is a copy of Mr. [redacted] and mines correspondence.
Regards,
[redacted] From: [redacted]To: [redacted]; b[redacted].com; [redacted].com; [redacted].com; [redacted] [email protected]: RE: commission of insurance reference number [redacted]Date: Fri, 20 Feb 2015 04:28:09 -0800do we need some sort of translator for you, [redacted]? what are you not understanding, sir? we all need to be on the  same page ;) I am REALLY sick of repeating myself again and again. If you request another signature I will refer you to previous emails. CANCEL ALL ILLEGITIMATE POLICIES AND REFUND THE MONEY YOUR COMPANY HAD NO AUTHORIZATION TO TAKE.From: [redacted]To: [redacted]; b[redacted].com; [redacted].com; [redacted].com; [redacted] [email protected]: RE: commission of insurance reference number [redacted]Date: Fri, 20 Feb 2015 04:26:02 -0800You did not have the authorization to renew any policy. You are requesting a signature for cancellation of policies that were not authorized in the first place, making the policy illegitimate to begin with. You cannot insure whatever you so choose for people and expect them to just accept it. You never had any authorization signature for the renewal of policies, so please remove the illegitimate policies entirely and refund the money you also were not authorized to steal from me. The policy that was not authorized needs to be ceased immediately as no one had the authorization to initiate the renewal, and the money that was stolen for said renewal needs to be returned.From: [redacted]To: [redacted]; b[redacted].com; [redacted].com; [redacted].com; [redacted] [email protected]: Thu, 19 Feb 2015 16:10:36 -0700Subject: RE: commission of insurance reference number [redacted]Mrs. [redacted], Your policies have not cancelled as we have yet to receive a signature.  It appears that you do not wish to sign the cancellation form provided to you.  Should you choose, you may create a document with your (or your husband’s) signature and attach it to this e-mail chain.  At that point we will cancel your policies.  As for renewing without your authorization, your policy states that subject to our consent, you may renew this policy for successive periods by payment to us of the premium we require to renew the policy.  Premium payment for any renewal period shall be due on the expiration of the preceding policy period.  S[redacted]e you signed to have your policies on a monthly charge, you authorized us to draft.  Additionally, renewal notices were sent out in advance, with no request to cancel. S[redacted]erely,  [redacted] Agency Manager Farm Bureau Financial Services 777 Fort St. Suite B Buffalo, WY  82834 (307) 684-1300   Registered Representative/ Securities & services offered through FBL Marketing Services, LLC 5400 University Avenue West Des Moines, IA 50266 877/860-2904, Member SIPC   *Company of Farm Bureau Financial Services       From: [redacted] [mailto:[redacted]] Sent: Thursday, February 19, 2015 8:45 AMTo: [redacted] [email protected]: RE: commission of insurance reference number [redacted]Importance: High I am re-sending as to [redacted]lude the Revdex.com as well.From: [redacted]To: [redacted]; b[redacted].com; j[redacted].com; [red...⇄ RE: commission of insurance reference number [redacted]Date: Thu, 19 Feb 2015 04:35:15 -0800[redacted], I would appreciate it if you would quit ignoring me, again. I need confirmation of cancellation of all insurance, as requested s[redacted]e 2/16/2014, as well as a refund of the money that has been stolen from me for unauthorized and refused services. I have been attempting to get business done with your company s[redacted]e January 20th and your company has failed to work with me, but still wants to steal my money. I need a refund and cancellation immediately, as per requested as of 2/16/2014 and every day s[redacted]e then. Although, you are making it easy for my lawyer, I would still like to just wrap this up...  [redacted], please encourage [redacted] to do the right thing, as you are the one who is handling the insurance commission complaint. And I do have all the attachments and documentation that shows [redacted] is a liar and the company has no respect for regulations, which is the biggest reason there is any issue. The company lying and telling me different things for the same regulations also led me to discover the overcharges, and s[redacted]e then they have drafted money from my account without my permission. I suppose the longer they want to drag this out, the more they can owe me, not to mention the time they have taken from me for redundant emails and cancellation requests.  Really looking forward to being done with [redacted] in the local office and every other lying, cheating, slime ball that works for Mountain West Farm Bureau Insurance in Wyoming. Thank you!!From: [redacted]To: [redacted]; b[redacted].com; j[redacted].com; [red...⇄ FWD: commission of insurance reference number [redacted]Date: Wed, 18 Feb 2015 [redacted]I do expect refund in full for the amount charged for policy renewals that were not authorized by myself or my husband. From: [redacted]To: [redacted]; b[redacted].com; j[redacted].com;�...⇄ commission of insurance reference number [redacted]Date: Wed, 18 Feb 2015 07:55:30 -0800You have ignored me, and there is proof in writing, thankfully, email [redacted]ludes a time stamp.  Your company did not get a signature to renew any policy, so I shouldn't even be covered right now as is. What I don't understand is how a company can make up regulations as they go along, then back track and disregard those exact regulations on their own regard, with a paper trail, none the less!!  I will not sign anything more, you did not have authorization to renew ANY policy under my name, and now I have insisted s[redacted]e 2/16/2015 for all insurance (which is unauthorized at this point) to be canceled immediately and my requests for that have also been ignored.From: [redacted]To: [redacted]CC: [redacted] sheridanco1[redacted].c...⇄ Mon, 16 Feb 2015 12:45:49 -0700Subject: RE: Cancel [redacted]Mrs. [redacted], I am not choosing to ignore you.  Your policy has not cancelled and will not cancel until we receive a signed cancellation.  Being a business person, I’m sure you can appreciate the fact that we are not able to cancel a policy simply by an e-mail message. When, and only when, you sign the cancellation, your policy will cancel and any unearned premium will be refunded.  [redacted] Agency Manager Farm Bureau Financial Services 777 Fort St. Suite B Buffalo, WY  82834 (307) 684-1300   Registered Representative/ Securities & services offered through FBL Marketing Services, LLC 5400 University Avenue West Des Moines, IA 50266 877/860-2904, Member SIPC   *Company of Farm Bureau Financial Services   From: [redacted] [mailto:[redacted]] Sent: Monday, February 16, 2015 12:32 PMTo: [redacted]Subject: RE: Cancel [redacted] I have record of each time you have chosen to ignore me. You probably shouldn't have selectively responded this morning ;) From: [redacted]To: [redacted]; b[redacted].com; [redacted]@wyo.govDate: Mon, 16 Feb 2015 09:12:22 -0700Subject: RE: Cancel [redacted]Mrs. [redacted], Please find the attached cancellation form.  You can complete it, scan it and e-mail it back to me, or you may drop it by the office in Sheridan.  We will need a signature to cancel these policies as an e-mail message will not suffice.  [redacted] Agency Manager Farm Bureau Financial Services 777 Fort St. Suite B Buffalo, WY  82834 (307) 684-1300   Registered Representative/ Securities & services offered through FBL Marketing Services, LLC 5400 University Avenue West Des Moines, IA 50266 877/860-2904, Member SIPC   *Company of Farm Bureau Financial Services    From: [redacted] [mailto:[redacted]] Sent: Monday, February 16, 2015 7:20 AMTo: [redacted]Subject: FW: Cancel [redacted] resending as to [redacted]lude Mr. [redacted], the person who all the previous conversations that I have reported have been with. From: [redacted]To: b[redacted].com; j[redacted].com; [redacted].com;...⇄ RE: Cancel [redacted]Date: Mon, 16 Feb 2015 06:17:14 -0800I need to cancel ALL forms of insurance I have with your company completely. EVERYTHING needs to be canceled immediately. Both personal and business policies. I also need to be reimbursed not only what I have already paid for this time around, but ALL the overcharged funds, as well.From: b[redacted].comTo: [redacted]CC: [redacted]Date: Thu, 12 Feb 2015 16:08:48 -0700Subject: [redacted], We received approval from the home office to back-date removal of the [redacted] from the policy effective 12/23/14, if you desire.  This will result in no premium being charged. This is another option that is available to you.  Please let me know if you’d like to do this. Thank you, [redacted]Agent, LUTCFFarm Bureau Financial Services52 East Brundage Street, Sheridan, Wy. 82801307-674-7600307-674-7900 Faxb[redacted].com Registered Representative/Securities & services offered throughFBL Marketing Services, LLC+5400 University AvenueWest Des Moines, IA 50266877/860-2904, Member SIPC Mountain West Farm Bureau [redacted] Insurance CompanyFarm Bureau Life Insurance Company+*+Affiliates *Company provider of Farm Bureau Financial Services

Complaint: [redacted]
I am rejecting this response because: The issue is the fact that I was overcharged on the policy due to unauthorized changes. I need to be refunded in full, including the amount I was overcharged for the unauthorized changes.
Regards,
[redacted]

MAR 2 2015/D®Farm Bureau Mountain Wiest Farm Bureau[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
[redacted] 
[redacted] 
February 18, 2015 Ms. [redacted], Client Advocate State of Wyoming Insurance Department [redacted] 
[redacted] RE: Policy Number : [redacted] Complainant : [redacted]WID File No. : [redacted]Dear Ms. [redacted]: We have received a copy of the complaint filed by Mrs. [redacted]. Enclosed are itemized statements for both of the policies the insureds carry with us. After careful review, these policies are charging correctly. Both policies the insureds carry with Mountain West Farm Bureau [redacted] Insurance are on annual policy terms. Therefore, the policy declarations pages are sent out each year for the policy renewals, rather than every 6 months as Mrs. [redacted] requests. Declarations pages are also sent with policy changes. Mrs. [redacted] was provided these policy declarations again per her request during our correspondence with her. Due to changes made on her policy; declarations pages were also mailed to her on February 4, 2015. The policies were both billed and paid for renewal, which authorized their renewals. We have not received a signature from Mrs. [redacted] to allow us to cancel these policies. Upon receipt of her signature on a request for cancellation, we will process that request and refund any excess premium per the terms of the policy. Please feel free to contact us if you have any questions.  S[redacted]erely, [redacted], CPCU Operations Director JD/181a Enclosures: As stated /0® Farm Bureau Mou aln V*nt Farm Bureau[redacted] [redacted]
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[redacted] February 5, 2015 Mr. [redacted] 
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[redacted] RE: Policy Number [redacted] STATEMENT OF ACCOUNT Description Amount TotalAmount of policy 06/04/12 to 06/04/13 $1,009.00 $1,009.00SPP service charge 1.00 1,010.00Amount received from insured 06/04/12 ( 85.08) 924.92-SPP service charge 1.00 925.92Amount received from insured 07/04/12 ( 85.08) 840.84SPP service charge 1.00 841.84Amount received from insured 08/06/12 ( 85.08) 756.76SPP service charge 1.00 757.76Amount received from insured 09/04/12 ( 85.08) 672.68SPP service charge 1.00 673.68Amount received from insured 10/04/12 ( 85.08) 588.60SPP service charge 1.00 589.60Amount received from insured 11/05/12 ( 85.08) 504.52SPP service charge 1.00 505.52Amount received from insured 12/04/12 ( 85.08) 420.44SPP service charge 1.00 421.44Amount received from insured 01/04/13 ( 85.08) 336.36SPP service charge 1.00 337.36Amount received from insured 02/04/13 ( 85.08) 252.28SPP service charge 1.00 253.28Amount received from insured 03/04/13 ( 85.08) 168.20SPP service charge 1.00 169.20Amount received from insured 04/04/13 ( 85.08) 84.12[redacted], [redacted]. added as additional insured 04/16/13 40.27 124.39Waiver transfer rights of recovery against 40.27 164.66[redacted], [redacted]. added 04/16/13SPP service charge 1.00 165.66
Mr. [redacted] Page 2 February 5, 2015DescriptionAmount received from insured 05/06/13Minimum premium adjustedAmount of policy 06/04/13 to 06/04/14SPP service chargeAmount received from insured 06/04/13SPP service chargeSection III (Automobile) liability limits increased to  $500,000 06/12/13Amount received from insured 07/04/13Amount returned by bank - nonsufficient funds 07/09/13 Handling charge for returned paymentPolicy cancellation - nonsufficient funds 07/24/13 Amount received from insured 08/06/13Amount of policy reinstated 08/06/13 to 06/04/14 Reinstatement feeSPP service chargeAmount received from insured 09/04/13SPP service chargeAmount received from insured 10/04/13SPP service chargeAmount received from insured 11/04/13SPP service chargeAmount received from insured 12/04/13SPP service chargeAmount received from insured 01/06/14SPP service chargeAmount received from insured 02/04/14SPP service chargeAmount received from insured 03/04/14SPP service chargeAmount received from insured 04/04/142012 [redacted] trailer added 04/02/14SPP service chargeAmount received from insured 05/05/14Amount of policy 06/04/14 to 06/04/15SPP service chargeAmount received from insured 06/04/14SPP service chargeAmount received from insured 07/04/14SPP service chargeAmount Total($ 165.66) $ 0.00( 20.54) ( 20.54)1,436.00 1,415.461.00 1,416.46( 120.67) 1,295.791.00 1,296.7922.50 1,319.29( 100.12) 1,219.17100.12 1,319.2930.00 1,349.29( 1,320.42) 28.87( 201.79) ( 172.92)1,303.14 1,130.2215.00 1,145.221.00 1,146.22( 96.22) 1,050.001.00 1,051.00( 132.25) 918.751.00 919.75( 132.25) 787.501.00 788.50( 132.25) 656.251.00 657.25132.25) 525.001.00 526.00( 132.25) 393.751.00 394.75( 132.25) 262.501.00 263.50( 132.25) 131.253.62 134.871.00 135.87{ 132.25) 3.621,580.00 1.583.621.00 1,584.62( 137.58) 1,447.041.00 1.448.04( 131.37) 1,316.671.00 1,317.67 Mr. [redacted] Page 3 February 5, 2015 Description Amount TotalAmount received from insured 08/04/14 ($ 132.67) $1,185.00SPP service charge 1.00 1,186.00Amount received from insured 09/04/14 ( 132.67) 1,053.33SPP service charge 1.00 1,054.33Amount received from insured 10/06/14 ( 132.67) 921.66SPP service charge 1.00 922.66Amount received from insured 11 /04/14 ( 132.67) 789.99SPP service charge 1.00 790.99Amount received from insured 12/04/14 ( 132.67) 658.32SPP service charge 1.00 659.32Amount received from insured 01/05/15 132.67) 526.652001 [redacted] added 12/23/14 61.63 588.28SPP service charge 1.00 589.28Amount received from insured 02/04/15 ( 132.67) 456.61TOTAL AMOUNT DUE $ 456.61[redacted] /D®Farm Bureau [redacted]February 5, 2015 Mr. and Mrs. [redacted] [redacted] [redacted]
[redacted]RE: Policy Number [redacted]STATEMENT OF ACCOUNTDescription Amount TotalAmount of policy 02/04/12 to 02/04/13 $791.50 $791.50SPP service charge 1.00 792.50Amount received from insured 02/06/12 ( 66.96) 725.541997 [redacted] with $1,000/$1.000 deductibles deleted 01/31/12 ( 697.06) 28.481997 [redacted] with liability only added 01/31/12 307.44 335.92SPP service charge 1.00 336.921997 [redacted] without multicar discount deleted 03/1' /12 ( 273.28) 63.641997 [redacted] with multicar discount added 03/13/12 226.82 290.462000 [redacted] added 03/13/12 508.98 799.44SPP service charge 1.00 800.44Amount received from insured 04/04/12 ( 109.84) 690.602000 [redacted] deleted 03/13/12 { 508.98) 181.62SPP service charge 1.00 182.62SPP service charge 1.00 183.62SPP service charge 1.00 184.62SPP service charge 1.00 185.62Amount received from insured 08/06/12 ( 37.95) 147.67SPP service charge 1.00 148.67Amount received from insured 09/06/12 ( 30.53) 118.14SPP service charge 1.00 119.14Amount received from insured 10/04/12 ( 30.53) 88.61SPP service charge 1.00 89.61Amount received from insured 11/05/12 ( 30.53) 59.08$20,000 tenants coverage deleted 10/25/12 ( 28.50) 30.58$20,000 dwelling added 10/25/12 55.89 86.47SPP service charge 1.00 87.47Amount received from insured 12/04/12 ( 30.53) 56.94SPP service charge 1.00 57.94Mr. and Mrs. [redacted] Page 2 February 5, 2015 Description Amount TotalAmount received from insured 01/04/13 ($ 57.94) $ 0.00Amount of policy 02/04/13 to 02/04/14 633.90 633.90SPP service charge 1.00 634.90Amount received from insured 02/04/13 ( 53.82) 581.08SPP service charge 1.00 582.08Amount received from insured 04/04/13 ( 106.65) 475.43SPP service charge 1.00 476.43Amount received from insured 05/06/13 ( 53.83) 422.60SPP service charge 1.00 423.60Amount received from insured 06/04/13 ( 53.83) 369.77SPP service charge 1.00 370.77Amount received from insured 07/04/13 ( 53.83) 316.94SPP service charge 1.00 317.94Amount received from insured 08/05/13 ( 53.83) 264.11SPP service charge 1.00 265.11Amount received from insured 09/04/13 ( 53.83)) 211.28SPP service charge 1.00 212.28Amount received from insured 10/04/13 ( 53.83) 158.45SPP service charge 1.00 159.45Amount received from insured 11/04/13 ( 53.83) 105.62SPP service charge 1.00 106.62Amount received from insured 12/04/13 ( 53.83) 52.79SPP service charge 1.00 53.79Amount received from insured 01/06/14 ( 53.79) 0.00Amount of policy 02/04/14 to 02/04/15 627.30 627.30SPP service charge 1.00 628.30Amount received from insured 02/04/14 ( 53.27) 575.03SPP service charge 1.00 576.03Amount received from insured 03/04/14 ( 53.27) 522.76SPP service charge 1.00 523.76Amount received from insured 04/04/14 ( 53.27) 470.49SPP service charge 1.00 471.49Amount received from insured 05/05/14 ( 53.27) 418.22SPP service charge 1.00 419.22Amount received from insured 06/04/14 ( 53.27) 365.95SPP service charge 1.00 366.95Amount received from insured 07/04/14 ( 53.27) 313.68SPP service charge 1.00 314.68Amount received from insured 08/04/14 ( 53.27) 261.41SPP service charge 1.00 262.41Mr. and Mrs. [redacted] Page 3 February 5, 2015 Description Amount TotalAmount received from insured 09/04/14 ($ 53.27) $209.14SPP service charge 1.00 210.14Amount received from insured 10/06/14 ( 53.27) 156.87SPP service charge : 1.00 157.87Amount received from insured 11/04/14 ( 53.27) 104.60SPP service charge 1.00 105.60Amount received from insured 12/04/14 ( 53.27) 52.33SPP service charge 1.00 53.33Amount received from insured 01/05/15 ( 53.33) 0.00TOTAL AMOUNT DUE $ 0.00

Complaint: [redacted]
I am rejecting this response because:Information provided from the contains information which is not factual and is trying to confuse the issues of poor service and business practice against good faith. 
Of the information provided I would gather that the team at Farm Bureau is not intent on providing insurable coverage that can be counted on as discussed and promised. Since Farm Bureau has lacked in the investigation into our insurance claim taking the statements as fact would only lead to more lies by Farm Bureau. In order to make such statements one (Farm Bureau) should have promptly performed in a best faith effort to properly investigate.
Regards,
[redacted] for [redacted]