ComplaintsforPinnacle Insurance Services, LLC

• Initial Complaint

  03/20/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I bought a new house a month ago and needed to get Insurance before closing on it. I recieved a phone call from Pinnacle insurance claiming they would cover both my vehicles and house. Their coverage would be over 500k they would insure me and all I needed to do was call my other insurance to cancel. We called canceled and there is a recorded phone conversation between me and the actual agent ***** I spoke to who blatantly lied to me and told me my total coverage annually would be $1900. After agreeing I made a payment that Monday in February of 2024 continuing closer to my closing date and needed the paperwork immidietly for my lender to close on my house. After days of constantly calling for the proper paper work and sorting through the lies my lender reached out to me and said hey man I gave you my guy to get Insurance through why did you go with these people? I said it was a lot cheaper. He said they charged you $2800 annually for Insurance. So we called to try and fix it and the agent lied to me and said he sent the paper work to my lender which turned out to be a lie. The secretary was making excuses for him when they realized I caught them in a lie about the pricing and had proof. They assured me they would find me Insurance through someone and fix the problem. They lied again they have me at 2000 now annually and to this very day I have no clue who that Insurance is through and never recieved my over payment money back yet. I don't know if I have Insurance or not. This company is seriously lying to everyone about their quotes making up numbers and hoping people won't look at the paperwork when signing. What that agent ***** did was illegal to do on that type of license he has and I hope he loses it for his inconsiderate malice lying behavior and I hope this company is investigated closer to see how many people they have done this too because it doesn't seem like the first time... BEWARE!!!

  Business response

  03/28/2024

  ****** ****** has an auto and home insurance packaged policy with ******** ******* Insurance Company.  ****** was aware that he had insurance with ******** ******* Insurance Company as he received policy documents including his auto insurance cards.  The name of the insurance company for his autos and home have been discussed by the Agency with ******.  The auto insurance effective date is 01/22/24.  The auto insurance policy is $2297.92 annually or $191.42 monthly.  The home insurance policy is $1947 annually.  The effective date of the home is 02/01/24 as this was the date that ****** closed on his new home.  ****** did not pay for the home insurance policy as it was paid for by the mortgage company.   There was a $849 refund from National General for the home policy that was applied to the auto policy since this is a packaged policy.  The refund took place on 02/01/24 which is the inception date of the home policy.  Due to the applied refund, the auto insurance policy for the February 22, 2024, billing cycle was $49.40 (instead of $191.42) due to the refund.  The future auto insurance payments starting on March 22,  2024,  were 123.03 due to the refund.  In other words, ******’s auto insurance for the remainder of the policy period was lower each month due to the applied $849 refund.    ****** received correspondence from ******** ******* notifying him of the refund and his future billing for his auto insurance.  The Agency also called ****** on 01/31/24 and advised him of the $849 refund.   The Agency had not heard anything from ****** since 01/31/24.  The Agency was under the impression that he was good since we have not heard from him.  On 03/20/24 the Agency was notified of the Better Business Bureau complaint.  The Agency contacted ******.  The Agency adivised ****** that the $849 refund had been issued on 02/01/24 and was applied to his auto insurance monthly billing.   ****** advised the Agency that he wanted the $849 refund deposited back into his bank account instead of his auto insurance being lower each month.  Due to this, National General issued a $849 refund back to ******’s bank account.   ****** has confirmed that he has received the $849 refund back to his bank account.  The Agency has communicated to the mortgage company that the $849 refund went back to ******. 

  
  In summary, the Agency has continuously communicated with ****** every step of the way of the insurance process.   The Agency has talked to him on the phone as well as in person at the office AND has sent him emails.  ******** ******* ********* Company has also sent out multiple correspondence (letters and email) to ****** keeping him updated of the policies, monthly auto billing and the refund.    

  Business response

  03/28/2024

  Clarification.....*** ******** ******* **** ****** effective date is 01/31/24 NOT 02/01/24.  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩