Complaints

This profile includes complaints for B C A A's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  B C A A

  4567 Canada Way Burnaby, BC V5G 4T1

  
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  B C A A

  7343 120 St Delta, BC V4C 6P5

  
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  B C A A

  103 5710 24 St Vernon, BC V1T 9T3

  
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  B C A A

  10 20190 Langley Bypass Langley, BC V3A 9J9

  
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  B C A A

  400 500 Notre Dame Dr Kamloops, BC V2C 6T6

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:18/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My husband and I had booked a trip to Costa Rica, leaving January 15, 2023. We had renewed our BCAA Travel Insurance effective January 14, 2023; the previous policy expired January 11, 2023. On January 12 I discovered my passport was missing. We tore the house apart, but it was nowhere to be found. On January 16 I filed an insurance claim with ****** *****, BCAA’s insurance company. I put on the claim that the date of the incident was January 12, because that was when I realized the passport was gone, although the trip would not have begun until January 15. After 17 weeks (it was supposed to take 6-8 weeks, I called five times and a supervisor was supposed to have called me back last week, but did not), they have denied my claim, saying I had no insurance coverage. The trip, which cost $7000, was non-refundable. My husband and I should have received $4000 from our insurance ($2500 on each policy, less a $500 deductible). We paid over $1000 for travel insurance this year. I am heart sick, and very disappointed. I would like BCAA to stand behind their product and pay us for this claim. The date that of travel is within the coverage terms, which is what I paid for: travel insurance.

  

  Business Response

  Date: 18/05/2023

  Hi Mrs. *******,

  Thank you for reaching out and I am so sorry to hear that you were unable to go on your trip. We will have someone from our Customer Care Team look into this for you and will connect with you within 2-3 business days.

  Thank you,

  Ruth-Anne F******

  Manager, Customer Care - BCAA

• Initial Complaint

  Date:12/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have BCAA home insurance They keep taking my payment earlier than expected. My payment is due April 25. Today I received an NSF because they took out a payment May 5. They keep saying it for ****** I spoke to an agent on April 26 because I received a letter in the MAIL saying my payment didnt go through bc on April 25. There is no possible way canada post can mail me a letter within hours. And the BCAA agent said they alway prepared the letters in advance. Advance for what, so they can take it out earlier and charge mw NSF fees. They took the payment out earlier again May 5. When I called the agent on April 26 she said that they were having problems with my **** and suggested I go through a bank Payment. So I did and it went through and she told me to remember that my payment will on every 25 of each month, they recorded their conversations. I. Suggest they listen to them. I have spoken to them almost every month since I joined. I am done with them. I want them to cancel this and to stop going into my bank account. Again I am done. I have a new home insurance. They are causing me a lot of stress.

  

  Business Response

  Date: 12/05/2023

  Hi ********,

  Thank you for reaching out and I am sorry to hear that you are frustrated regarding your home policy's payment request.

  I have looked in your policy and confirmed that BCAA has not taken scheduled payments out early, however, we have attempted to collect failed payments. I have attached a document showing your payment plan's scheduled payments which, in part, shows the following:

  March 25/23: Monthly payment of $26.34 failed

  March 28/23: You spoke to one of our team members by phone who collected the March payment in full and re set your payment plan for payments to come out on the 25th day of each month. I have confirmed this was set up correctly

  April 25/23: Monthly payment of $26.34 failed. A letter advising of the failed payment was generated through our operating system and mailed

  April 27/23: You spoke to one of our team members by phone. During the conversation, you were advised that, when a payment fails, BCAA attempts to take the payment again in 10 days. She further advised that the April 25 failed payment would be withdrawn on May 5th. She also advised that your payments would resume as normal again on May 25.

  May 5/23: Payment in the amount of $26.34 failed. This was not an attempt to withdraw your May payment early, rather this was an attempt was to collect the April 25 failed payment, as communicated to you by phone on April 27.

  I do see that you phoned and spoke to a team member yesterday, May 11, and have sent ** a request to our administrative email address with a request to cancel your policy. To avoid any further payment requests, I have closed your payment plan as we had re scheduled the missed payments to come out on May 20.

  I also see that the team member you spoke to yesterday advised that we require a signed cancellation form in order to cancel your policy with **, as is standard with all insurance companies. The agent offered to send you the request via Docusign, which you can sign electronically however, you declined. He also offered the option of visiting one of our Service Locations and this was also declined. I do see that he did email you a cancellation form which you can sign and return. I do encourage you to sign the cancellation form as we are unable to cancel your policy until this is received. For time efficiency, most of our customer do take advantage of receiving a Docusign cancellation request as you can open your email and electronically sign the cancellation in a couple of minutes.

  Please note, as is standard with all insurance companies, that a mid-term cancellation is cancelled on a short rate basis, rather than pro rate, and time on risk from April - present will also need to be collected. 

  If you would like to proceed with the cancellation, kindly arrange to sign a cancellation form and we will be happy to assist you with the cancellation. Please also note that, as I have cancelled your payment plan, our system will generate a payment notice in the amount of $203.31, which includes time on risk since April through to your expiry date. If you have already cancelled your policy when this is received, you can go ahead and ignore the payment request. 

  Kind ************************************************************** *************** **********************

   

   

• Initial Complaint

  Date:05/04/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased BCAA travel insurance in Dec 2022. I made a claim (2188708) on December 16,2022. BCAA advertises that claims will be processed in 8-10 weeks. It has currently been almost 4 months and my claim has neither been approved nor denied. I have made 9 phone calls over the past 2 months and have been told a manager would contact me (several times) and that my case has been prioritized as “high priority.” To date no one has ever contacted me. I have been reassured over and over again that all my documents are submitted and correct. When I speak to agents on the phone they can’t understand why my case isn’t being worked on. No one is able to provide me with correct information and no one is contacting me. I want a BCAA manager to call me and help me settle this outstanding case.

  

  Business Response

  Date: 14/04/2023

  Hi Mr. ******,

  Thank you for reaching out to BCAA and I am so sorry to hear about the frustration you have experienced with your travel insurance claim. This does not meet our service level expectations for our Claims Partner and we will follow up with claims and have someone from our Customer Care Department connect with you.

  Thank you,

  Ruth-Anne F******

  Manager, Customer Care - BCAA

  Customer Answer

  Date: 19/04/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ***** ******

• Initial Complaint

  Date:29/03/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an active BCAA membership and on Jan. 6 I contacted the company for towing services. By midday, the company said it was already booked up and that I would have to wait the next day -- pathetic service. They said they would reimburse for payment if I needed to use another towing service.
  
  On the company's page for reimbursement it says the following:
  ************************************************************ 
  "Members must provide a copy of the applicable receipt(s) in the Member’s name."
  "Important: After submitting the form below, you will be redirected to a confirmation page that will provide you with an email address to send us a copy of your receipt(s). Please note that we are not able to process reimbursement requests without a copy of your receipt."
  
  Receipt, receipt, receipt. The towing company I used Square for payment and they provided a receipt via email. I attached that and sent that to BCAA. The response I received months later was:
  
  "Interac receipts, generic till receipts, *************** receipts/statements, work orders/estimates cannot be accepted, as our Auditors require the invoices for auditing purposes. Please send an image of the original paid invoice to ***********************."
  
  Either BCAA does not understand the difference between a receipt and an invoice, or they are just outright *****.

  

  Business Response

  Date: 29/03/2023

  Hi Mr. *********,

  Thank you for reaching out and this does sound frustrating. I have forwarded your concern to our Customer Care Automotive and Reimbursements Team and asked that they connect with you.

  Thank you,

  Ruth-Anne F******,

  Manager, Customer Care - BCAA

• Initial Complaint

  Date:23/03/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a BCAA membership but I moved to Alberta on April 1st 2022. I am 100% CERTAIN that I called and cancelled my BCAA membership at the end of March 2022, and then I purchased an *** (the Alberta equivalent to BCAA) membership that same day.
  
  Today, almost ONE FULL year later, I noticed that BCAA did not cancel my membership and has been charging me $10.09 a month for the last 12 months. I called the customer service line and they said that they have no record of my call (how convenient) so they cannot help me, even though I was happy to show them the date of my move and the fact that I have been paying for the *** membership since March 2022 (supported document attached). I did not put in ANY claim for the last 12 months either, so I would like a refund of $121.08 for a service that I have NOT been using and that I couldn't have used since my legal residence is not even in BC.

  

  Business Response

  Date: 23/03/2023

  Hi Ms. *****,

  Thank you for reaching out and I am sorry to hear that we continued to charge you for your BCAA membership after you requested cancellation.

  I have ordered a cheque in the full amount you paid last year, $120.75, to be mailed to your new Alberta address.

  Please allow 7-14 business days for the cheque to arrive.

  Thank you,

  Ruth-Anne F******

  Manager, Customer Care - BCAA

  Customer Answer

  Date: 24/03/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** ********* *****

• Initial Complaint

  Date:21/03/2023

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I attempted to purchase a BCAA membership today. I received an offer through the mail which stated that the temporary card I received was a priority membership and would be active as soon a dues were paid.
  Normally BCAA has a 48 hour wait until you can have full access to 24 hr road side
  Assistance.
  I called in to sign up only to be told that I’d have to wait 48 hours to use or pay an extra fee to use my membership immediately.
  This is false advertising and goes against our advertising standards here in BC.
  They did admit that it was confusing and did
  Read as I stated but we’re unwilling to do anything about it.
  I have photos of both sides of the card they sent.

  

  Business Response

  Date: 23/03/2023

  Hi Ms. ******

  Thank you for your feedback. I viewed your account and see that you spoke to one of our Managers in our Contact Centre and he offered to have someone from our Customer Care Team connect with you however, you did not wish to continue the conversation. If you would like someone on our team to reach out, please let us know and we would be happy to speak with you. As our Manager stated, the card is active right away, subject to terms and conditions. We do thank you for your feedback regaring clarity of our advertisitng material to our Marketing team.

  Kind Regards,

  Ruth-Anne F******

  Manager, Customer Care - BCAA

• Initial Complaint

  Date:08/03/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ********************* from ********* ********** ********* was hired by ******************* with *************** on behalf of BCAA. **** was contacted by **** in Novemeber 2022 to come out to our property and give a second opinion on the condition/replacement of our retaining wall. **** never showed. He was contacted again to come and assess it and didnt show. We were then told by **** that he would be there Monday Feb 20th and would let us know what time he was going to show. Never showed up, was supposed to come again Feb 23rd and didnt show. So we contacted **** directly and he said he would come out Feb 24th at 930am. We waited until after 10am and no word or show from **** so we left for the day. **** then rang our doorbell cam shortly after we left. He was disrespectful and aggressive so we told him to leave. We had made a point to both him and **** that we needed to be present at the time of the inspection so we could stress our concerns. **** did not leave as asked and proceeded to take photos from the road and the neighbours property which are no where near the wall. He then wrote a report submitted to **** that our retaining wall was perfectly fine with no cracks or signs of disrepair. How can he assess that information from not even looking at the wall? This false spiteful report has now gone to our insurance at BCAA and they have now decided to not repair our wall. This report needs to be repealed and **** needs to admit that he was neglectful and dishonest in his findings. From the get go **** has had ZERO interest in being professional or ethical with our claim. He has done nothing but waste our time and now commit fraud by creating a false structural report.We are very frustrated and upset with the poor treatment from this company and the only way to rectify this situation is for **** to repeal his report.

  

  Business Response

  Date: 08/03/2023

  Hi Mr. ***********,

  We are sorry to hear you are unhappy with your claims experience.

  Please refer to your BCAA Ombudsperson Final Decision Letter which does offer for the decision to be reviewed if BCAA is provided a report from an Engineer. If the damage is deemed to be caused by the water loss, you will be refunded the cost of the inspection. Should you wish to appeal the decision, please contact the General Insurance Ombudsperson for an independent review.

  Kind Regards,

  ***********************

  Assistant ******** *************** **********************

• Initial Complaint

  Date:07/03/2023

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently noticed a charge on my credit card from bcaa. I did not make any changes to my account so I called to ask what it was. They had added somebody else to my account without my permission and charged me. They did not contact me about this. I did not receive an email, phone call, or any mail regarding changes to my account. If I had not checked my credit card statement I would not have even known I was being charged more for an additional member that I did not add.
  
  The person added was my father who has not left the house in 7 years. My mother had stopped into the Maple ridge BCAA for a quote on house insurance. They had determined that my family's house was too expensive to insure so my mom left without purchasing anything. A couple weeks later a membership card arrived in the mail with my dad's name.
  
  My mother did not ask to sign up for a BCAA membership. She was only there for a quote on house insurance. Even if she had signed up she would have done it in her own name not my father's name. And if she had signed up it would have been her own separate account for her. Why was it tacked on to my account and charged my credit card? They did not have permission to charge my credit card.
  
  Can anyone just walk into a BCAA office and be added to someone else's account, and not be charged, and have the account holder charged for the membership? If they were putting charges on my credit card they should have contacted me for my permission. If they're making changes to my account they should have contacted me for permission.
  
  I did not give permission to add members to my account or to use my credit card. They pulled up my profile based on a last name and added people to it. This is more than a simple mistake. **** ** ****** There are so many things wrong here. You can't just add people to someone's account without permission. And, the thing is my mom didn't even ask to be added. The lady signed her up on her own. Do they get a commission fee for adding people?

  

  Business Response

  Date: 08/03/2023

  Hi Ms. *******,

  Thank you for bringing this to our attention and we fully understand and appreciate your concern. I have cancelled the Associate membership that was incorrectly created under your household and requested a refund on your credit card. This could take 3-4 business days to appear on your card.

  I have left you 2 voicemails with my contact information should you wish to discuss this further.

  Thank you,

  Ruth-Anne F******,

  Manager, Customer Care - BCAA

  Customer Answer

  Date: 14/03/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and reluctantly accept even though no apologies were offered from BCAA via phone, email or BBB correspondence. It's a shame that they will not even accept blame for their mistake. They have carefully worded all of their replies in a way to make sure they have accepted no responsibility. I am extremely disappointed. Since there's nothing more I can do about this you may close the case.
  
  
  
  Sincerely,
  
  
  
  ****** *******

• Initial Complaint

  Date:27/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In August of 2022 I added my daughter as part of a family promotion. The quote stated, that since I was already a client, it would only be an additional few dollars per month making my monthly payments just under $12. At the end of September over $50 was taken out of my bank account, this was after I had contacted them about my daughter not receiving her membership card. In October my monthly payments started coming out at the original price the website had quoted me which was just under $12. I contacted the customer ********************** line, explained it in detail to the agent who had trouble making sense of it as well. It seemed like there was a glitch on the website and she was having trouble trying to sort it out, it seemed my daughter had two memberships but of course still no card. In talking with the agent I explained $50 had been taken from my bank account as a mistake and I wanted that money back. While on the phone with her I canceled my daughters membership to avoid any more confusion. The agent then told me she was too overwhelmed to deal with the issue, that it was causing her anxiety and suggested I contact someone else. I would like to add I was polite and patient, I always am, I have never been verbally abusive to a customer ********************** agent especially since that was a position I held for some years so I know how tough it can be. From there, I took the information into my local BCAA office and spoke with a woman, *********************, who asked me to leave everything with her and she would sort it out. That there had in fact been mistakes made on my account. That was in December. So my daughters card was officially canceled, after it was canceled she received two different membership cards in the mail. I received one new one. No refunds were processed. So, I tried contacting the woman, left phone messages and emailed but received no response. It is not the end of February and I have not received any refund for the error on the part of BCAA.

  

  Business Response

  Date: 27/02/2023

  Hi ****************,

  I am sorry to hear this. It does sound very frustrating. We will have someone one from our ************************ look into this and reach out to you to resolve.

  Thank you,

  ********************************

  Manager, *************** **********************

  Customer Answer

  Date: 17/03/2023

  Regarding complaint ID ******** filed Feb. 24, 2023. 
  
  Customer Care Advocate *************************** did try and contact me, but even after I gave him the hours I was available, he would only call when I stated I wasnt available. I even gave him my cell phone number and still there was no call. 
  I explained to him I have a very busy schedule and did schedule a time with him, giving him my cell number, that was two days ago and havent heard anything. 
  I answered his email, asked him to respond by email but that wasnt addressed at all. Please reopen this complaint until it is resolved and perhaps there is someone else who can contact me? 
  
  Thank you,
  *******************
  ************** 

  

  Business Response

  Date: 17/03/2023

  Hi ****************,

  I am sorry that you experienced challenges connecting with us and apologize for the extra frustration it caused you. I reviewed your file with **** and it looks like you were able to resolve this with him on March 14 over the phone. I just received this message this morning so am wondering if there is a delay while the BBB reviews your messages to send over to us. If you do require anything further, please let us know as we are happy to help and appreciate that you provided feedback to us and gave us the opportunity to make this right.

  Thank you,

  ********************************

  Manager, *************** **********************

• Initial Complaint

  Date:09/02/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been a claims-free customer of BCAA's home insurance policy for 17 years. After becoming suspicious of year-over-year premium increases, I began to receive quotes from other local competitors. I found that the price I had been paying all these years was far out of line with every number I was quoted for similar or better coverage. I called to cancel and was told that $250 was normally levied for a mid-term cancellation but it would be waived as I was clearly dissatisfied with my "BCAA member" and "claims free" discounts I was supposedly benefiting from. I completed the cancellation request form but one of the names was a deceased family member. After much back and forth with BCAA management, I was told that a ** ***** ********** official Death Certificate doesn't meet their standards for proving that someone is deceased. I have a complicated family involving an outside executor, but supposedly the only way out of this policy is having people physically go to the retail storefront across town. This is despite the fact that they made my seasonal home cancellation possible with a well-known online document signing service. I have a stop payment on the account now and they are attempting to intimidate me with an unexplained bill for the remainder of my policy ($1530), despite the fact that I haven't received these services as I am on a monthly plan. The Ombudsperson is useless and refuses to do anything but pass me on to lower level clerks who are powerless in doing anything. This is supposedly a respectable BC institution, but I am convinced that they exist only to abuse and bully customers into grossly high insurance premiums while hoping they don't shop around and find out they have been scammed after 20 years of claims-free payment.

  

  Business Response

  Date: 09/02/2023

  Hi Mr. *******,

  As per our previous response, we are sorry to hear that you remain unsatisfied. Our Customer Care Team Member did try to work with you to cancel the policy as per your request, and all cancellation fees were waived. Regrettably, required documents were not provided. The cancellation letter you are referring to is our legal obligation to advise that your policy is being cancelled. If you would like to re visit cancelling the policy and can provide the additional required information, our Customer Care Team member will be happy to assist.

  Thank you,

  Ruth-**** *******

  Manager, Customer Care - BCAA

   

   

  Customer Answer

  Date: 09/02/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:

  This is a worthless non-response and you know it.  You have not addressed the issue of demanding payment for the remainder of the year.  We obviously both want my policy to be cancelled.  I have submitted the document, you have acknowledged that.  I have the email to prove so.  You chose not to accept a death certificate as proof of someone being dead, although it is a legal certificate from ** ***** **********.  You claim that I have to send people to talk to you in person, yet you cancelled my seasonal policy remotely with ********.  I am done playing games with you.  *** *** ** **** ** ******** **** ** **** *** *** ** ********** **** ***** ********* ********* *** *** ****** ******* **** ***** ******* ***** **** ********* ******** ********* *** ******** *****
  
  
  
  Sincerely,
  
  
  
  ***** *******