Showing posts with label Complaints. Show all posts
Showing posts with label Complaints. Show all posts

Friday, August 5, 2011

Update on Wen by Chaz Dean Hair Loss

Friday, August 5, 2011







Well, my last post was about how I’ve been losing hair since using Wen by Chaz Dean Sweet Almond Mint Cleansing Conditioner, even though I stopped using the stuff before the 24th of June. If anybody’s interested in seeing complaints from others who’ve lost hair after using Wen products, here are some links:

http://wen-haircare.pissedconsumer.com/wen-shampoo-made-my-hair-fall-out-20110122217733.html

http://wen-haircare.pissedconsumer.com/wen-cleansing-conditioner-causing-hair-loss-20101228213461.html

http://www.wenshampoo.org/wen-and-hair-loss.html

The last one listed is a blog on Wen's site that makes light of the problem. I left a comment about my hair loss, along with the FDA's phone number, and, of course, it wasn't published.

So what am I doing about this? A lot. I contacted the FDA (cosmetic area), as mentioned in my last post, at 888-723-3366 and filed a complaint. The person I spoke with seemed very interested and concerned about the issue. In fact, she also told me that anyone who’s had a problem with Wen products should save the bottles, because the FDA wants the expiration date and the lot number, if you file a complaint.

My bottle of cleansing conditioner had no expiration date on it, and the lot number is almost invisible. You’ll find it on the bottom of the dark brown-colored bottle. It’s NOT the tiny number on the bottom of the label. I had to use a magnifying glass, after a Wen employee told me where to look for it. It appears to be in black ink, and it’s very faint. At first, I told the woman that there was no number there. Why on earth would they make it so difficult to find the lot number? But trust me – it’s there. My lot number is T1088A.

I also wrote a letter to QVC, which sells Wen by Chaz Dean hair products, even though I didn’t buy the stuff from them. I explained what happened to me and told them that I’m working with the FDA. And I ended the letter by saying:

“At this point, I’m working with the FDA, hoping it will eventually require warning labels on Wen products. And I would think it advisable for you to require warnings, as well, since it’s inconceivable that you would knowingly expose even a small percentage of your customers to unexpected hair loss.”

In response to that letter, I got a call from QVC’s Office of the President, asking if they could forward the letter to their buyers and a vice president. The woman who called had me on the phone for at least 15 minutes and said they would be looking into my claims. I also gave them the websites above.

Finally, I visited my dermatologist, who said that she’d never heard of some of the ingredients listed on the bottle. So she can’t speculate on which one caused the hair loss. She told me to start taking Biotin and to come back in two months to see if the hair loss has stopped.

I still can’t believe that Wen doesn’t warn people that some percentage, however small, of its customers will lose their hair. All I want at this point is for Wen to put a warning about hair loss on its label. It would also be nice if they’d identify the ingredient that they suspect is causing the problem. But to do that would be an admission that they’ve ignored their customers’ best interests in favor of profits. If my hair continues to fall out, you can bet I’ll be talking with Wen again.

Photo by: Sandy Laurence©






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Monday, July 11, 2011

My Hair Fell Out After Using Wen by Chaz Dean!

Monday, July 11, 2011

For years, I’d heard good things about the hair products from Wen by Chaz Dean. Well, last month I decided to try it, and I ordered the Sweet Almond Mint Cleansing Conditioner. It arrived, on June 10 or 11, and I used it within a couple of days. I was very happy with the initial result. My hair was much less frizzy, even in the hot and humid weather we were having. And it looked great.

Unfortunately, about two weeks after using the stuff, I started noticing more hair than usual in my brushes. It seemed odd to me, but I wasn’t overly concerned. Then, as the days went on, there were long hairs all over my shoulders. Starting to suspect the Wen product, I decided to do a little research on the internet.

That’s how I discovered that hair loss is a known problem with some Wen products. When I called to cancel future shipments, the guy asked me why I was cancelling. Then, after I told him about the hair loss and asked why they don’t have a warning label on the products, he quickly turned me over to a ”specialist”. She asked me when the hair loss started and if it had stopped yet. She told me to stop using the product and that they’d immediately credit my account for the shipment that was enroute to me. She never admitted that the Company is aware of the problem. I’m guessing their attorneys don’t want it discussed with the victims.

Well, this is crap! For Wen to completely ignore this is unconscionable. I realize that not everybody loses hair from Wen products. But there are enough of us who have lost hair to require, at the very least, a warning on the label. And, for starters, we should also get our money back.

Here’s what you can do: Call the FDA (cosmetic area) at 888-723-3366 and file a complaint. In my case, the woman at that number directed me to the local FDA person in the Detroit metro area. If you’re in southeastern Michigan, that number is 313-393-8189. We shouldn’t put up with this kind of corporate disregard for our health and wellbeing. By ignoring all the complaints, Wen is acting like the Toyota of the cosmetics industry. And it’s got to stop!

Photo by: SCA Svenska Cellulosa Aktiebolaget©
Title: Woman Washing Her Hair
Location: http://www.flickr.com/photos/hygienematters/4505231340/

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Saturday, January 1, 2011

Happy New Year - Pull Out Those Guns!!

Saturday, January 1, 2011

What’s happening to this country? I live in an upscale Detroit suburb, a neighborhood where, for the most part, neighbors coexist peacefully and life is good. In the 15 years that I’ve been in this house, there’s been only a smattering of guns fired on New Year’s Eve. I used to think it was a few drunken idiots doing what idiots do. But last night made my blood run cold. I heard so many guns firing that our sub could’ve competed with the worst areas of Detroit. It made me sick. I wouldn’t even let the dog out until 1:00 a.m., fearing she’d get shot. WTF?!

This country is alone in the industrialized world in promoting the widespread ownership of firearms. I won’t even talk about the gun lobby, because I’m not a violent person, but my wishes for those twisted people are definitely from my dark side. We are going to regret caving in to them 100 times over. Just think about what’s going on here.

I’m constantly hearing how just about anyone can buy a gun. There are exposes on TV shows about how individuals get caught selling guns to people without permits, or in one case that I saw recently, without even a driver’s license. Individuals apparently don’t have to do background checks, so any nut case can get a gun.

And what’s a typical gun buyer like? The NRA would tell you it’s a law-abiding citizen trying to protect his or her property. Bull shit! Have you gone into a gun shop or sporting goods store to see what kind of people are looking at guns? I’d love to see detailed stats on gun buyers, because I believe they’re largely uneducated people, many of whom surely have personality issues (anger, obsessive-compulsive, paranoia, post traumatic stress disorder from the horrors of war, etc., etc.). Are those the people you want walking around with guns? Spend a little time at a gun counter, especially one in a more rural location. It’ll open your eyes.

Of course, the typical gun owner is male, although plenty of women are succumbing to the gun lobby’s scare tactics. To a lot of men, guns are power. And it’s the best ever phallic symbol. Hell, if you have a gun, you don’t need any enhancements, if you know what I mean. It gives some of them that “mine’s bigger than yours” warm and cozy feeling. And it allows them to be the shoot ‘em up cowboy of their childhood whenever they feel the urge.

I know of people who have three guns within reach at all times in their homes. And they live in decent neighborhoods. What in hell are they preparing for? If they’re going to get robbed, it’s most likely to be when they’re not at home. And guess what’ll end up stolen – yep, their weapons, so that the thieves can use them to commit other crimes.

Obviously, most of these guns aren’t for hunting – they’re strictly intended to use on people. That’s not to say I think hunting is fine. For me, unless your family doesn’t have enough food, and you’re hunting to put meat on the table, it’s wrong. Some Christians say that God put animals on earth for us to use. So he created bears, so that you can mount a bear head on your wall? Yeah, that makes sense to me. I wonder how your God will judge you for killing his creatures because you think blowing them away is a “sport.” I’d love to hear that conversation.

Finally, Michigan’s become known for its crack-pot militia groups. Have you ever read or watched an interview with any of those people? That’ll keep you awake nights. Yes, we’re going to regret that the gun lobby has prevailed, when the original right to bear arms was because we lived in a newly-settled and uncivilized land. Back then, the guns protected and fed the settlers. Now the citizens need to be protected from the guns. God help us.
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Saturday, November 6, 2010

This Woman Hires and Steals from Illegal Immigrants

Saturday, November 6, 2010
Would you turn in a woman who hires illegal immigrants to clean houses and then steals their last paycheck when they quit? Several years ago, when Poland was in a serious recession, my friend Sophie lost her job in Krakow and came here on a six-month visa to visit a family member. She ended up staying for 8-1/2 years.

Now before you get angry, there are a few things you should know. First, her husband was murdered by the communists for his involvement with Solidarity, the trade union that used strikes to force the communist government to improve working conditions. She had two grown children, who were struggling to get by. Since none of them could find a job, she came here to support herself and to help her kids.

When she arrived, she got an apartment in Hamtramck, Michigan, and, like countless other immigrant women, found a job cleaning houses. Sophie’s first employer had a cleaning service in my area. That’s how I met her in 2006 – she cleaned my house for several months. (Because she couldn’t speak English, I had no idea back then that she was here illegally.)

Wanting to know more about her and what drove her to come here without knowing the language, I asked friends and family members to translate for us. And that’s how we came to be friends, at least to the extent possible with a language barrier. Sophie studied English with various tutors, so we were able to communicate somewhat, as long as she kept her Polish-English dictionary with her.

When her boss sold his cleaning business shortly after I met her, she found another cleaning service, whose clients live in Grosse Pointe, which was much closer to home. And she worked like a dog. There were many weeks when she logged 55-60 hours. Her day started at 6:00 a.m., and sometimes she didn’t get home until after 8:00 at night. She started out getting paid $8 an hour, but made $10 an hour for the past three years.

Until last year, she sent money to her children to help them out. Then the job situation in Michigan deteriorated, and the cleaning service lost several customers, when they became unemployed. Many weeks, Sophie got only 20-25 hours. And as her business suffered, Sophie’s boss became more and more unreasonable and demanding. Sophie, closing in on 60 years old, became weary of the physical toll on her body, as well as the crap her boss pulled. So she quit and returned to Poland last week, now that its economy is finally in better shape.

The problem is that Sophie’s boss refuses to give her the $580 that she earned for the last two weeks of cleaning. And I’ve been told by several people in Hamtramck that the same thing happens to most of the women who go back to Poland. It happens every day. That’s because they have no recourse. Their visas have long ago expired, so they’re illegal aliens with no rights. They can’t even prove that they had a job. That’s because the cleaning service owners put nothing in writing – workers are paid in cash, no employment taxes are withheld, and there’s no pay statement.

Well, I can’t stand to see anyone ripped off like that, so I telephoned the owner of the cleaning service. I told her that if she doesn’t give Sophie her money, I’ll report the theft to the police (I realize they probably can’t do anything about it), and I’ll notify immigration and the IRS about her tax-free business fueled by illegal aliens. After saying that she was justified in stealing Sophie’s money, because she didn’t give adequate notice when she quit, Sophie’s boss hung up on me. And since she didn’t deliver the money to Sophie before she left for Poland, I doubt that she’s concerned in the least. After all, there is no proof that she even has a cleaning service. (She doesn’t know, however, that I have the names, addresses and phone numbers of four of the clients for whom Sophie cleaned house.)

So here’s my dilemma. I know that if I call the INS (Immigration and Naturalization Service), they may say it’s too small to bother with, since Sophie estimates that only about 20 women are employed by her boss. But if they do pursue it, all those women will lose their incomes, and most would be deported. And the same thing could happen if I call the IRS (I’m betting the service owner doesn’t pay taxes on her income, nor does she supply W2 forms for her employees). Either way, though, Sophie won’t get her money.

If I make those calls, it’ll be because I’m angry and want this woman punished for stealing her employees’ money (I’m sure she’s done it many times before). And I want her stopped from doing it again. But I don’t want to cause any of her workers to lose their incomes and be deported. I’m aware of the current animosity toward illegals, and I’m not saying it’s okay to be here illegally. But these women are here because they can’t make it in their Eastern bloc countries. And I don’t personally know any Americans who are lining up to do hard labor for $8 or $10 an hour.

So do I make those calls, or not? What would you do?
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Sunday, September 12, 2010

I’m Finally Finished With Channel 7 WXYZ TV News!!

Sunday, September 12, 2010
Well, yesterday was the last straw. The idiots at Detroit’s WXYZ TV news went too far. WXYZ was the only station to cut off President Obama’s speech right at noon, so that its crappy news show could start on time. And what was more important than what the President had to say? Bulldozers. Yes, they showed bulldozers knocking down burned houses. And then, we got to hear the opinion of a woman who lives near the fires. The other two local stations, WDIV and WJBK, didn’t start their news shows until the President was wrapping up his speech. But WXYZ is obviously more important than the other stations.

All through the winter snow season, WXYZ’s viewers are treated to hours of watching reporters standing along freeways, either as it snows or as the snow plows get ready for the snow. Then they switch from one freeway camera to another, showing cars driving slowly through the snow. It’s absolutely maddening! They preempt “Good Morning, America”, based on a forecast, even before it snows. WTF?! This is Michigan - it snows here all the time. Get over yourselves, WXYZ! Nobody gives a damn about seeing your reporters standing around with snowflakes on their hats!

And then, while scrolling school closings across the bottom of the screen, they inexplicably put a thick border around a miniature news show, so that viewers can’t see anything on the news without a magnifying glass. And they do that for election coverage, too. Election returns scroll across the bottom of the screen, but the thick border surrounds and shrinks the actual news broadcast. Not that it’s worth seeing much of the time . . .

Another thing that drives me nuts is that everything is “BREAKING NEWS.” An accident on a freeway is suddenly “Breaking News.” And so is a forecasted thunderstorm or a burning building (no, not a skyscraper). I could live happily without ever knowing about half of what they call “Breaking News.”

Yet somehow these fools get awards for news – how is that possible? That, to me, is proof that people are getting dumber by the day. A population that would award WXYZ anything for its television news coverage is stupid enough to spawn, well, the Tea Party, for example. (Sorry - couldn't pass that one up.)

I’ve started watching WDIV or WJBK news, and you know what – they’re better than WXYZ. And I was a WXYZ news viewer for decades. But no more. I’ve had it! Check out WDIV and WJBK, and you’ll be pleasantly surprised. BREAKING NEWS – WXYZ TV news sucks!!
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Sunday, July 25, 2010

Do All Rental Car Companies Add 45% in Fees and Taxes?

Sunday, July 25, 2010
I don’t travel as much as I used to, and it’s been quite a while since I’ve had to rent a car. So, when my husband got home from a business trip and was complaining about his rental car bill, he got my attention. I was floored by all the fees, some of which are probably imposed by local governments. All I know is that it’s ridiculous.

He rented a mid-size Volkswagen for a week, quoted at $187.93. But then, he had to pay the following fees:

Transportation Facility Charge - $1.60/day $ 9.60
Customer Facility Charge - $3.75/day 22.50
Concession Recovery Fee – 11.11% 22.17
Vehicle License Fee - $.33/day 1.98
Sales Tax – 11.5% 28.08
FFTXRSU .43

Total (including $187.93) $272.69

What in hell is a “Concession Recovery Fee”? And they’re charging a daily fee for licensing? Hell, why not hit customers with a fee for the lavatories, and how about depreciation on the lobby furniture? Most of those crazy fees should be lumped into one category called “WTF?” or “Bend Over”.

The fees and taxes amount to 45% of the quoted rate! (Maybe some of them are because the car was rented at the airport. If that’s the case, it might be worth it to use a remote location, if it provides free shuttle service to the airport.) It’s insane to me! Why don’t they just restate the rates, instead of calling them “Fees” to make them sound legitimate? For an unsuspecting consumer, a 45% surprise in the bill is huge.

And insurance is another issue – with all rental companies. Make sure to buy the rental company’s insurance, which is a HUGE rip-off, if your auto insurance policy doesn’t cover rental vehicle usage. Or, if you have an American Express card, check their rental car insurance. I’m told it provides complete coverage for a fraction of the cost of insurance purchased at the rental car counter.

If you get into an accident and don’t have insurance for rentals, you’ll be on the hook for actual repair cost, loss of income while the vehicle’s out of service and reduced value as a result of the damage. And you know that everything will be marked up to the max.

In fact, I’ve seen segments on news and talk shows that advise taking detailed photos of your rental car before you drive it, to show any existing scratches, dents, etc. Otherwise, they might try to charge you for repairs of those scratches and dents, or even new ones that occur after you turn the vehicle in.

And all this time, I thought financial institutions were the biggest whores . . .
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Wednesday, July 21, 2010

Walmart Left Its Mark On Our Neighborhood

Wednesday, July 21, 2010





Four years ago, Walmart announced that it was closing its store in Auburn Hills, MI, and opening a new one in Rochester Hills . . . right down the street from our subdivision. The residents tried to stop it, but the City wanted something (land, I believe) and had to let Walmart build in order to get it.

My husband, who’d been to the Auburn Hills Walmart, took photos of the property. He wanted to show the trash all over the parking lot, the numerous tree stumps (landscape trees had died and were cut down, leaving the stumps), busted up pavement with markers standing in the holes to prevent cars from driving over them and rust-covered light poles. He took the photos to a city council meeting at which residents aired their concerns. City council members assured the citizens that the Rochester Hills store premises would never look like the Auburn Hills property.

Flash forward to three weeks ago. On June 30, my husband took photos of the new store’s parking lot. And after being open for about two years, if that, there are already dead trees, stumps and trash littered everywhere, including an on adjacent walking trail. Plus, it looks like they’re cultivating weeds in some of the beds in front of the store.

It certainly appears that Walmart doesn’t give a damn about what its property looks like to the surrounding community. If it wants to build in your neighborhood, this is what you can expect.
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Sunday, May 16, 2010

Goodbye, Cavalier Telephone

Sunday, May 16, 2010
In the beginning, which I’m told was 2003, we were happy with the rates for Cavalier’s phone service. Over the years, however, they kept climbing, and we now pay $65 for our home phone (no international calls) and $52 for phone service in a second home (only local calls). It’s embarrassing, because we should’ve stopped this a long time ago.

On at least two occasions, my husband called Cavalier to say that we would be switching phone companies if our rates weren’t lowered. Each time, the Cavalier representative’s response was a version of “too bad”. The last call was made in late 2009, and we intended to switch carriers immediately. But life got in the way, and we didn’t follow through. Finally, almost two weeks ago, I called AT&T and switched our service . . . or so I thought.

On Wednesday, the AT&T rep called to say that Cavalier wouldn’t release our phone number. She said that Cavalier “freezes” its customers’ phone numbers, in order to protect customers from unauthorized switching of phone carriers. Right. I’m sure it has nothing to do with discouraging people from seeking better rates elsewhere. Anyway, I was told I’d have to call Cavalier to get our numbers released.

When I called, the guy I spoke with initially told me they freezed our phone number for our own good. Then he told me that neither my husband nor I had called Cavalier about rates since 2007. Apparently, when Cavalier reps tell customers they can’t do anything about the crazy rates, they don’t always note it for the record. And then because my husband’s name was the only one on the account, the rep said he couldn’t discuss anything with me.

When my husband was available, I called Cavalier again. This time I got a woman who said that because our account was older, there was no freeze on either number. Isn’t it strange that the previous gentleman was unaware of that fact? And AT&T wasn’t told, either. Nothing like being cooperative, huh? Now it’s going to take several more days for Cavalier to release the number. WTF?! We’re SO finished with Cavalier.
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Thursday, April 29, 2010

Beware, Robo Callers - Paybacks Are Hell!

Thursday, April 29, 2010
I should start out by saying that marketing robo calls drive me nuts. Nobody has the right to tie up my phone line with a recorded sales pitch for something I don’t want to buy. A few weeks ago, we got one of those maddening calls, this time for furnace duct cleaning. My husband waited ‘til the recording stopped and left a message that we were on the Do Not Call list and to not call us again. Unfortunately, yesterday we got another call from the same company, Quality Control of Royal Oak, Michigan. This time, my husband left our number, and today Quality Control called back to schedule an appointment.

My husband asked the woman who called for the name and location of the company and the owner’s name. He then told her that we’re on the Do Not Call list and that he’d left a message to that effect after their last robo call. Then he asked her why she’s working for someone who’s breaking the law with his repeated phone calls. She got angry and said, “I need a job, Asshole!” and hung up. While sympathetic to her plight, we’re not willing to put up with Quality Control owner Ron Chandler’s harassment.

First, I found the FCC website for reporting illegal calls:

http://www.fcc.gov/cgb/donotcall/

You can fill out an electronic form here:

http://esupport.fcc.gov/complaints.htm

You can file an email complaint at this address: fccinfo@fcc.gov

Or you can do it by phone or fax at these numbers:

1-888-CALL-FCC (1-888-225-5322) voice
or
1-866-418-0232 fax


Interestingly, I also Googled Quality Control to find customer reviews at this site:

http://www.merchantcircle.com/business/Quality.Control.248-495-9400/review/list

Needless to say, most of them were awful.

So, if you’re being bombarded with robo calls, do something about it! Go to the website above and file a complaint. The only way to stop these jerks is to get them fined. When it’s no longer profitable to harass people, they’ll stop. I just filed a complaint with the FCC. Enough, already!
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Saturday, April 3, 2010

I Love (and Hate) Our Security System

Saturday, April 3, 2010
I am an extreme night owl, one who has to force herself to go to bed at 4:00 or 5:00 a.m., because I have so much more energy at night than during the day. (Must have been a bat in a previous life!) Last night, I was getting stuff done and didn’t go to bed ‘til 5:20. I was hoping nobody would call this morning until at least 11:00, even though our dog, Maddie, probably wouldn’t have let me sleep that long.

Well, just before 10:00, the house alarm went off. I can’t tell you what that does to me, especially when I’m alone. (My husband will be home this afternoon.) Mind you, having my husband home isn’t much help, since he just tells me “It’s nothing” when the alarm goes off and falls back asleep. My hero. He actually tells me that if I’m convinced someone’s in the house, I should go and check it out myself. And I do.

Thankfully, it was light outside, which makes false alarm episodes, of which there aren’t many, more bearable somehow. Maybe I figure that facing down an intruder without makeup in daylight is enough to make him retreat! Anyway, probably because I was startled out of a sound sleep, I didn’t feel very brave.

I ran to the alarm panel on the bedroom wall to see where the breach had been. Of course, I had to run back to the night stand to get my glasses. The panel lights indicated the problem spot was the front staircase. So I told Wonder Dog to wake up and come with me, since I had to leave the imagined safety of our bedroom to check the house. (This is a big house, and I set up a few crazy things in the bedroom area to protect myself on the few occasions when my husband’s away.) Anyway, that lazy dog had to be ordered off our bed. Some watch dog.

The alarm company called and asked if everything was okay and stayed on the phone while I checked the house. Once outside the bedroom, I could see that nothing seemed disturbed, and the front door was locked. I checked the other doors and all the rooms on the first floor and then dragged a reluctant Maddie down to the basement with me. If anybody was down there, she’d have followed the scent right to him.

So far, so good . . . until, that is, I said something to the alarm company person and found that the phone line was dead. After a few seconds of near panic, I realized that it’s probably the alarm system that’s been screwing with the phone lines the past few months. Damn – yet another repair person to bother me at an inconvenient time.

But now I had a new reason to panic. The alarm company would surely have called the police when the phone went dead. I used my cell phone to call the alarm folks, who offered to call off the sheriff (we don’t have our own police department). All I could think about was deputies seeing the house in its current state. (The dishes were done, but the kitchen was a cluttered mess, including bird food the parrots had flung onto the floor. And that, combined with my naked face, would’ve been humiliating. ) Now I was really traumatized! Fortunately, the alarm company reached the cops before they sent someone out.

Thankfully, it was, indeed, a false alarm. But now I’ve changed the agenda for today. I’m tidying up this place. I mean, you never know, right? I’ll be really tired, having gotten only three hours of sleep Thursday night and less than five last night. But at least I know my heart’s okay – I didn’t have “the big one” this morning!
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Wednesday, February 24, 2010

In Good Hands With Allstate? Not in Our Case!

Wednesday, February 24, 2010
We signed up for Allstate auto insurance, effective in early January. The requirements were: a valid license, no tickets, no accidents, good credit and a proof of insurance card, all of which we met. But because we leased our cars directly from Chrysler (our employer), which is self-insured, Allstate wanted a letter from Chrysler to that effect.

The agent contacted Chrysler and asked that the letter be sent to us. We received it a week to 10 days later. My husband called the agent the same day and said he’d bring the letter to his office. Two days later, we got a certified notice of cancellation from Allstate. We’d be cancelled by March 19, unless they got the letter from us.

My husband took the letter to the agent that day. The agent apologized profusely and said he hadn’t been aware that the prior insurance company letter was a requirement. So now they had everything they needed. (That was last week.)

Today, we got another letter from Allstate, this time saying, “Your insurance has been terminated,” even though it’s February 25, and we supposedly had ‘til March 19 to get the letter to them. AND they’ve had the letter since last week! In addition, they wrote that we owe them for insurance coverage to date, even though we gave them authorization to draft our checking account for premiums.

If this is how Allstate treats new clients who’ve provided everything they require, how in hell will they treat us if, God forbid, we ever have a claim? Screw this – we’re looking for a new insurance company. And, by the way, I’m told by a couple of savvy shoppers that Citizens Insurance has the best pricing for auto and homeowners.
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