Complaints

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:12/30/2022

  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.

  Back in August 2022, I contacted Allstate insurance for a auto policy. They provide me a quote, and I paid the policy in full for the six month policy at that time. We were fully insured at that time. Four months later in December 2022 they debited my checking account without any notifications $129.77. The reason they gave was, their agent miss quoted my policy. I was also told the agent no longer work for the company. I spoke with the owner, but was not able to have my funds reimbursed. I fill that I had a six month contract and should not be surcharge four months later for there mistakes. I have asked for a full refund of $129.77 at this time but was denied.

  Customer Answer

  Date: 01/10/2023

  Allstate has denied my claim for the refund. I'm now planning on sending complaints to the ************************ and the ************** Insurance Commission.

  Business Response

  Date: 01/11/2023

  Carmella Walter Insurance Agency received from BBB of **************** an acknowledgment letter of ****************** complaint dated 1/02/23 by mail on 1/11/23. This is the first and only notice received.
  
  Mr./******************* policy was written in August with the intention that we were going to also write the home. It was discovered by Underwriting when reviewing the policy that Mr./*************** had chosen not to proceed with the home policy, thus causing him to forfeit the multipolicy discount of $129.01. We spent extra time trying to satisfy **************, but unfortunately rates are determined by the department of insurance and Allstate. Discounts are offered to those who meet the qualifications. We apply every available discount at new business.
  
  In August, Allstate policy declarations were sent to Mr./***************, which lists all discounts that are included in the total premium. It clearly states to review the policy declarations to confirm coverage, limits, premiums, and savings that were requested and expected.
  
  Mr./*************** received 3 notifications of the change to his policy from Allstate prior to funds being taken out through easy pay plan.
  On 11/10/22 Allstate sent him "We made a change to your policy" letter with amended auto policy declarations.
  On 12/01/22 Allstate also sent to him "Auto policy schedule for the Allstate Easy Pay Plan", which included information on "automatic installment schedule" and "what you should know". It stated $129.01 would be automatically withdrawn from his bank account on or after December 22, 2022
  On 12/15/22 he was sent another notification "Your payment will be withdrawn soon" stating the payment date as 12/22/22 in the amount of $129.01.
  
  An email was sent to confirm enrollment of easy pay in August, which is another discount, authorizing Allstate to withdraw from his account. However, on 12/28/22 ************** called and requested to have easy pay removed and changed to direct bill. In addition, he will forfeit the easy pay discount.
  
  A "returned payment-not authorized" in the amount of $129.01 was returned to ************** from Allstate on 1/10/23.
  

  Business Response

  Date: 01/11/2023

  Business supplied email: ***************************************************
  Use this address for any contact with the Better Business Bureau

  Customer Answer

  Date: 01/13/2023

  (The consumer indicated he/she DID NOT accept the response from the business.)
  We NEVER discussed home owner with Allstate. I had a home owner policy with another insurance company and was very satisfied. I fill that we had a SIGNED policy contract with Allstate and they should have honored it. and that it should not have changed until the end of the term contract. Had Allstate notified me a few days later I may have excepted it, but not four months later.

  Business Response

  Date: 01/16/2023

  With all due respect, the homeowners policy with Allstate was discussed with **************. First, in order to receive the multiline discount, the items must be cross indexed, being that a home quote was generated with information received from **************. Secondly, when he called the office 12/28/22 he stated that the home quote he was given at that time was too high.
  I apologize for the length of time for Underwriting to review, but they customarily do not review policy discounts immediately. My agency has reached out to Allstate Underwriting and we cannot override their decision. The policy is updated once it is found the policy does not qualify.