
June of Dallas, TX on March 5, 2012
Satisfaction Rating1/5
I am a 65 year old female, who is disabled/retired, living on a fixed income. I started with these people when I bought my house in Dec. 2007. This insurance was recommended to me by the Realtor who handled the transaction. The only payments available were yearly (which I could not afford to do), or automatic withdrawal monthly by AHS, so I had to give them my bank information. At that time, I ask if they could set the withdrawal date for the 15th of each month, since that was when my disability check arrived.
I didn't notice a problem until Oct. 2010 when my contract would automatically renew, when my bank statement showed two payments were withdrawn. I contacted them, with profuse apologies they agreed not to charge me again until the next payment in Dec. 2010. But they never explained what happened.
Fast forward to Oct. 2011, at this time, they did the same exact thing, two withdrawals in one month, six days apart. Because I run a very tight budget, this time, it threw me into an overdraft, since both payments bounced. My bank charged me $60.00 in NSF fees. I wanted to know how this happened again. It seems my actual contract renewed on Oct. 22nd, but they took a payment on the 15th and again on the 22nd. So they blamed me. I thought when they agreed to move the withdrawal date to the 15th, that meant my contact date would also be moved. But, no, it stayed the same, so that every Oct. they would take two payments and had I not requested for my contract to bill on the 15th, there would be no problem.
I still don't understand this business practice, but I told them I expected them to return my second payment and reimburse the NSF fees. Six different "customer care specialists", which included the department supervisor, agreed. I did receive a check for the second payment. But I continued to go back and forth with only getting excuses.
After fighting with them until Jan. 2012, I finally realized it wasn't going to happen and I would just forget about it. So luck would have it, the very next day, I received a notice in the mail announcing a class action law suit against and I was eligible to participate. If any of you folks are interested to file a claim, go to ** and follow the directions. After seeing how many complaints were voiced, these folks need to be run out of business. If they would do this to an elderly, disabled person, they'd do it to anybody.