- Report: #116818
Complaint Review: Amica Mutual Insurance Company - Providence Rhode Island
-
Author Confirmed
Why?
Amica Mutual Insurance Company
PO Box 9128 Providence, 02940-9128 Rhode Island, U.S.A.
Phone:
888-89-AMICA
Web:
N/A
Categories:
Business Rating:
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Tell us has your experience with this business or person been good?
Amica Mutual Insurance Company Ripoff Deceptive thieves watch out these guys put their hands into your pocket and once they got your money they won't let it go Providence Rhode Island *EDitor's Suggestions on how to get your money back into your bank account!
I had homeowner's insurance with AMICA. A few weeks before the contract expired they sent me a bill with a considerable higher premium (35%, I never had a claim). so I called them up to tell them that I would no renew. before the new premium became due they charged my escrow account without my knowledge. I only received a note confirming my cancellation.
3 months later I received a note from our mortgage company that my escrow account was short of funds (I had already changed the insurance company) when I found out that they had charged my escrow account without my authorization I asked for a refund. Instead of refunding the full amount of $ 639,they submitted a check of only $ 472 without any explanation. I called them again and they explained that they had kept an amount which a different family member owed to them.
To make it clear: Amica mixes up accounts and does not care who actually owed money to them they just take the money and keep it without any written explanation. My advice: stay away from these thieves !
Steven
Phoenix, Arizona
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
3 months later I received a note from our mortgage company that my escrow account was short of funds (I had already changed the insurance company) when I found out that they had charged my escrow account without my authorization I asked for a refund. Instead of refunding the full amount of $ 639,they submitted a check of only $ 472 without any explanation. I called them again and they explained that they had kept an amount which a different family member owed to them.
To make it clear: Amica mixes up accounts and does not care who actually owed money to them they just take the money and keep it without any written explanation. My advice: stay away from these thieves !
Steven
Phoenix, Arizona
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
3 Updates & Rebuttals
Carol Ann
Las Vegas,Nevada,
USA
Help is Around the Corner!
#2Consumer Suggestion
Thu, April 28, 2011
Like you I just found out the hard way. Report them Immediately to Federal Trade Commission, Better Business Bureau, IRS and The Insurance Regulatory Bord. IRS would love getting their hands on their money they are cheating you out of with Form 3839A and also protect yourself from possivle Identity Theft with their Identity Theft 911 located in Phoenix AZ. IRS has a form for that too! Hopefully some attorney will take their sorry concerns to Court ASAP and resolve it that way! Good luck to you, sorry about your losses!
Arthur
Wylie,Texas,
U.S.A.
A Kind Word for Amica
#3Consumer Comment
Fri, October 28, 2005
Dear Folks at Amica, I gave you a word of support at: http://www.ripoffreport.com/reports/ripoff159141.htm It appears you bent over backwards to resolve this issue above, and impressed me as a caring bunch of people. Keep up the good work! Please!!
Kenneth
Lincoln,Rhode Island,
U.S.A.
COMPLAINT MISLEADING
#4UPDATE Employee
Mon, November 22, 2004
A staff member in our Phoenix Regional Office was able to recall assisting the customer who authored the Rip-off Report posted on Amica Mutual Insurance Company. We were, therefore, able to identify the customer and revisit the correspondence associated with the billing concerns to which he refers in his report. In short, we received payment in the form of a check from his mortgage company written in a sum far greater than the amount owed for his Homeowners insurance. We then credited his Homeowners account as paid in full and applied the overage to the premium balance reflected under his Amica Automobile insurance account. When our customer took exception with our application of the overage toward his Automobile premium account, we agreed to refund that sum and mailed him a check. Our customer lodged a complaint with the AZ Department of Insurance who found our position to be acceptable. Nonetheless, we sincerely regret that this incident caused our customer such aggravation and resentment. While we could have handled these billing issues differently, please believe that our customer was made financially whole and there was absolutely no intent to deceive on our part. Suffice it to say that we have not repeatedly received the highest ranking for customer satisfaction by leading consumer rating organizations, including J.D. Power awards for service through deceptive or illegal business practices!
