My previous insurance company owed me a refund check from February. After over 30 days I called to follow up. They stated that the check was issued on April 24th. I told them in May that I had not received the check so they agreed to put a stop payment on it and would reissue the check. I called to follow up in June, and again in July and they kept telling me to give them more time to process the stop payment order and to reissue the check. Finally, it is now August and I've been following up every 30 days. Today they told me that the original check was cashed and a new checked was not reissued. They will not tell me where it was cashed or on what date, but I know for sure that it was not me. I think they should reissue a check since I clearly informed them that I HAD NOT received the check. The customer service supervisor would only argue with me that since I verified my address, that they were not responsible. How do I fight this? UHC Direct Bill has been rude and uncooperative.
2007-08-14 07:01:32 · 7 answers · asked by Little One 1 in Business & Finance ➔ Insurance
Thank you for the responses. Yes I spoke to a supervisor and a manager and they were not helpful. When I asked what they could do to help me out they said all they could tell me was that it had been cashed, but could not give me a time or location. In addition, I feel that they should have put a stop payment on it back in May when I called to report it lost and then it could never have been cashed in the first place. I will attempt to get a copy of the check and it looks like I have a lot of following up to do. Thanks to everyone who offered me advice.
2007-08-15 05:36:13 · update #1
You go down to your local police department, and file a theft claim. Then THEY contact the insurance company, get a copy of the cancelled check, and procede with criminal charges against whoever cashed it.
If it was YOU, and you just FORGOT, you're looking at check fraud charges, so you'd better be pretty darned sure you didn't just forget.
Once you have a police report, the insurance company will have to pull the cancelled check information ANYWAY - and whoever cashed it, well, their drivers license and/or bank account information will be on the cancelled check.
2007-08-14 08:49:16 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
The insurance company is legally obligated to provide you with a refund within 30 days. If you claim that you did not receive and/or cash the check they issued, they are required to provide you with proof that the check was cashed, i.e. a copy of the front and back of that check. Once you receive that copy of the check, you can review the signature--if the signature is yours and you just "forgot" you should apologize for the inconvenience. If the signature is not yours the insurance company will require that you submit an affidavit (they usually will provide you with the specific format or form) and you will have to sign it according to their instructions usually in front of a notary. Once you have done that they will usually issue a new check to you and it is then the insurance company's obligation to pursue the person that committed the fraud. More than likely if the amount is large enough they will press criminal charges so be very sure of your claim. Also one my client's sisters actually took his check and fraudulently cashed it--my client decided not to pursue it at that point.
If the insurance company does not want to cooperate and you are sure you did not receive or cash the check, you can file a complaint with your local insurance commissioner against the insurance company since you are entitled to your money! The insurance company is 100% responsible in terms of getting the refund to you and you have every right to claim against them if you did not cash the check.
2007-08-14 11:13:23 · answer #2 · answered by Margarita D 6 · 0⤊ 0⤋
Unfortunately, the company only shows that the check was cashed, they don't have any way to prove that it was or was not you that cashed it. Since the company sent the check to the right address, they are not responsible for any fraud or illegal actions that someone may commit after wards. Don't feel that they HAVE to do anything.
My advice would be to be VERY nice and call the insurance company's billing department and "ask" them to help you out. If they can tell you what day and where the check was cashed you should be able to track down who stole your money through the bank and sue the pants off of them and have them sent to jail.
Good luck, I hope you find the jerk that stole your money.
2007-08-14 07:19:31 · answer #3 · answered by Jason S 4 · 1⤊ 0⤋
Ask the company to send you a front and back check copy.
This will show you the signature on the check and when it cleared the bank.
2007-08-15 01:43:22 · answer #4 · answered by Boots 7 · 0⤊ 0⤋
does the supervisor have a boss available to talk to - explain your situation-ask for a copy of the cancelled check - if that don't work tell them your nextl call will be to your state insurance commission with a compalint
2007-08-14 13:18:47 · answer #5 · answered by butch 5 · 0⤊ 0⤋
Small Claims Court they will have to bring in proof that it was your signature on the check. GOOD LUCK
2007-08-14 07:07:41 · answer #6 · answered by Anonymous · 1⤊ 0⤋
If you know the names of the Bank and the branch, they can be easily traced.
2016-04-01 11:24:57 · answer #7 · answered by Anonymous · 0⤊ 0⤋