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brooxie of ringgold, GA August 29, 2009 In Nov. 2008 my house burned, it was a total loss as well as the oontents. I thought at first state farm was working for the good of my family which lived with me. This consisted of my husband, my daughter, granddaughter and 2 grandsons. The children were in school and we were relocated to a motel 30 mi. from the schools. I appreciated what was being done and not complaining drove over 60 mi a day for 30 days making sure they not miss school. I worked with temp. accomidations not demanding or insisting on more then I felt was fair but was glad for any help given. When it came to finding a place to live and get back in a residence, out of the motel, I went out of my way not complaining when I was rented an apt. which had steps hard for me to walk up due to 6 surgeries on my legs in the past. I didn't hold out for a better, closer place to where I had lived or no steps. I accepted furniture which was nothing like what had been in the house when it burned, but thanked them and took what was given. Although I questioned the 600 per mo. paid in rent for the furniture, why not replace the things lost in the fire and save the rent? Its hard to believe they are reported to have prospered with 46 billion dollars in the past year doing business this way. Yet when it came to paying the claims they owe they argue with people who trusted them. They are the last people I would recommend to anyone even an enemy. After not giving in to their "problem solving ways" and cheating people the way they do, I hired an attorney. I was told "you did the wrong thing" and they could and would make demands and I had to respect them or else. I took this as a threat and was told everyone with a claim received this letter. When I didn't accept the check which 40,000 below the lowest appraisal, I was told the claim was put in the "inactive" file and I should accept the check or do without. The next day I was informed they would no longer pay rent or furniture. I could accept the check or they would no longer work with me, this was taken as another threat. The next morning a truck pulled up to the door and loaded the furmiture. They also went thru personal things and said they were making sure we didn't keep anything belonging to them. They left a mess to be cleaned up by us and while there were rude and insulting. When told the things gone thru was ours and not theirs they said they were "making sure". This happened before the grandchildren went to school so they were a witness to the behavior of people they thought could be trusted. That night we slept on the floor and ate from paper and plastic. We didn't have blankets or pillows since they also took our pillows with their things. I called the owner of the co. where the furniture was rented and he told me they would send back what was taken from us but this will not make up for the threats and feelings of insecurity we have experienced. Thinking we were protected and paying for the security of not having to worry if bad things happen to me or my family, has been destroyed. The trust they promised, then destroyed, can not be replaced by any amount of money. It's hard to believe these are people we are dealing with and hard to believe they have families. Maybe they think they are exempt from bad things but then so did I till it happened. Would they want to be treated or have their children face the uncertainty my family have? As bad as it's been I wouldn't wish this on anyone. Of course I call myself a "good neighbor" maybe they just don't understand the meaning. G of harrison twp, MI June 27, 2009 I purchased a vehicle in January 2009 and got my loan through State Farm Bank. This is a simple interest loan and I asked if I could make my payment in incremental amounts due to the way I have to budget my money. I was told that this was not a problem but now it has turned into a nightmare. First off: State Farm Bank accepts my payment on their site, but they take 3-4 business days to process the payment in which one instance it generated a late fee. when I contacted the bank, I was told that the fee would be waived, however, the rep that I spoke to never noted my call and nothing was done. I have questioned why it takes so long to process a payment and why I don't receive credit for the payment being on time and was told that until the payment processes, they don't apply the payment to my account. this seems unusual as every payment I make online is applied/credited the day the I make it or the very least, the following day. My last payment I made through my own bank thinking that maybe it would process quicker, what a mistake. State Farm Bank does not accept electronic payments FROM my bank, although they electronically take my money for my payment when I make it through their site. This makes no sense. Therefore my bank had to MAIL A PAPER CHECK to this bank. STATE FARM received the check in time, cashed the check but did not post the amount to my account until 2 days later CREATING A LATE FEE! I have been banking a long time and have NEVER EVER encountered such unethical practices from a financial institution. Harriet of Nashville, TN April 3, 2008 We had a car loan with State Farm Bank , which we recently paid off this February, 2008. After making that last payment State Farm Bank sent us a letter saying you still own 851.27. We called them and asked them ehere did these additionsal charges come from and they really could not tell us. First they said well maybe you missed a payment I said no we never have missed a payment and if you show me or give me a date I will provide you information where it was paid. THey never provided the information. Then the next time we sspoke with them they stated that it due to several fees and late charges as to where the balance or additional charges were computered. So again we wrote them a letter and asked them to indicate or identify what fees we were charged and the date that late charges were assessed that were not paid. State Farm Bank again did not send us the information we requested, they sent us a copy of our payment history. Then they sent us another letter where they assesssed us an excessive late fee olf 93.00 because we had not paid the additional fee they had assesssed to our account. It did not matter that the account balance was being disbuted. The outstanding balance has now gone to 1,135.67. Also they stated in the phone conversation that we were charged a fee (they did provide us an amount)for changing our due date twice three years ago. No representative never stated that there was any type of fee to change a due date.Which was requested due to a change in pay period. Also we were told by a customer service representative that State Farm Bank charged us additional interest for using the grace period which they provided on this account. Again we asked for the amount we were charged and they never provided that information. We have sent them another letter asking them to provide specific infomation to support these charges and we have not received a response. What we have received in another one of their Collection generated letter stating that we now own then 1228.27, they have assessed another 93.00 as a late charge. During the time when we normally had a monthly car note the the late charge that was added to a payment when it was not paid before the end of the grace period was 37.00. The customer service reps told us that these fee and charges they were adding to our account were in the contract we signed. We requested a copy of the contract and not any of the information they had quoted to us over the phone was in the contract. State Farm Bank is not operating as a financial instution that should be serving consumers here in the United States of America. My husband and I have purchased over 10 cars that we can recall that were financed and never have we had any one to tack a lot of hidden or unethical charges against us and have no justifications for charging but they are. And they ARE NOW THREATING US WITH LEGAL ACTIONS if we do not pay these additional fees. State Farm Banks still have not provider us with any of the information which we have requested. Yet they are trying to force us to pay for some hidden charges they can not explain. It's like you just pay it or we will keep adding a 93.00 late charge each month until you pay what we say. The loan was for 60 months and we have paid 60 payments. This is unfair and and it's a crime to us. Patty of Sparta, KY May 27, 2007 I have an auto loan with State Farm, I have been an excellent customer, no late payments ever, the loan is 2 years old. I paid a lump sum on the loan 1 1/2 years ago in the amount of 4,000 and then didn't make a payment until 10 months later when it was time to resume payments, at which time I returned to making payments on time without problems. In the meantime State Farm didn't bother to tell me that I needed to pay an extra 38 with the 4,000 to have paid the correct amount. Instead they turned my account into the credit bureaus as an adverse acct. saying I have been 2 months behind on my payments. Not once has any of the payments been behind. I have dealt with some of the rudest customer service agents, they have called me names and said I was a bad debtor. Catharina of Stewartsville, NJ May 22, 2009 On Oct 5,06 Documents were signed for an Auto Loan at a state farm agent office. At time of signing we asked for the payment date of the 25th of every month. The agent state it would not be a problem it would be the same as other auto with bank. On Oct 16th,06 auto payment was deducted instead of the 25th. This went on for the following months until Jan of 07 when they finally got the date set as the 25th. In those previous months I spent several hours on the phone with the agent then the bank about this date change. I was told from the start at the agent office it was no problem. I was told that again each month thereafter. The bank blames the agent and the agent blames the bank about the error. The bank state they never received a phone call from the agent about this change. She firmly states she contacted them. In all this mess my bank account went into serious overdraft and I received late fees and charges in excess of 545.00 not to mention the banks response to my problem with State Farm. I work on a tight budget and cannot afford to pay late fees that total an auto payment. On top of all that we paid off another auto with State Farm that year. The agent processed the bank check info from Capital bank over the phone. Send me a confirmation an then went into my bank account several weeks later and took another monthly auto payment for the auto we had paid off. Here goes another fee on my account. Another rep called back to say the needed the check mailed to them at the Corp. office and that the other rep was wrong. Advertisement
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