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edward's complaint:
May 06, 2015

Insurance Company: State Farm Insurance
Coverage Type: Homeowners Insurance

  • PolicyHolder Service - Inadequate Service
  • PolicyHolder Service - Delays/No Response
  • PolicyHolder Service - Unfair Negotiation
  • Claim Handling - Unjustified Accusations
  • Marketing & Sales - Misrepresentation
  • General - I feel abused by this company

I applied for a home owners insurance policy for the period February 11, 2013 through February 11, 2014. This policy was billed and paid semiannually. The policy was renewed for the following period February 11, 2014 through February 11, 2015. I was billed semiannually and the bills were paid. On February 4, 2015 the policy was cancelled because I sold my house. Rather then receiving a small refund as I was told I would receive, I received a bill in the mail for $55.32. No explanation was given for the bill. Although I communicated with different State Farm agents, I did not get a verbal explanation until 3 months later as to why I was being billed rather then receiving a refund. There was not one written explanation other then two letters stating that I owed money. The verbal explanation I finally received was that due to an accounting error, the February 11, 2013-February 11, 2014 policy was billed incorrectly and therefore I owe State Farm the difference of $55.32. First of all, is it legal to be charged two years later for a billing mistake made by State Farm's Accounting department two years prior? In addition, without any written correspondence, with an explanation of the charge, am I really responsible to pay this?

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