Basically myself and many many others have been scammed by this company. They have you pay the fee for diagnostics and then say they won't cover the item needing replaced. They offered me $500 for my washing machine replacement when the part alone for my machine was $2000. Here is a link to all the issues https://www.reddit.com/r/choicehomeclassaction/s/lijqv0C3xu Do we have a class action or should we all small claims court them? Who would I list (the ceo?) As the person on the complaint? They are already under investigation if you check the BBB website. Any advice or guidance would help. Location: Indiana

In 2022 I made a small insurance claim for water damage, $2k, with Progressive. Since then, every time I get quotes for homeowners insurance I get denied, or have to accept high rates, because the Lexxis Nexxus database shows I made 3 claims. A year ago I disputed these several times, and got a letter from Progressive that confirms I only made 1 claim. When I talk to LN, they tell me they've removed the claims, but over a year later I'm still getting denied by insurance quotes and told they are still showing up by the insurance companies. Is there an agency like the CFPB I can submit a complaint to about Lexxus? Or do I need to get a lawyer letter involved? I already have to deal with living in a hurricane prone area with high rates and these higher rates are crippling. LOCATION: TEXAS.

Hiya, I adopted a kitty from my local shelter a few days ago knowing he has gingivitis and needs a dental cleaning and possible extractions which I will cover out of pocket. The more I dig into the plan the shelter pushed through Fetch, the more I’m realizing Fetch feels like an elaborate scam. I’m looking at switching to Spot as it’s one of the companies that claims they will cover curable pre-existing conditions if there’s been no occurrence/need for treatment for 180 days. Has anyone gone through this with Spot and can you confirm that they did start covering a condition after that 180 day period, or did they find a way out of it? Any other companies you would recommend that are good for this? He’s only a year old, the vet is hopeful we can get it fully treated and cured but of course there’s no way of knowing for sure.

I got a new puppy (7 weeks old). Got embrace pet insurance that same day. Took her in for her first vet appointment as a good pet owner should about a week later. Obviously this was still during the illness waiting period. But it appeared I had a nice healthy puppy. Turns out she has a heart murmur. First vet graded it as a grade 4 and told me to see a cardiologist. I went and got a second opinion and they graded it as a grade 3 and we are going to watch it and see if it goes away in the next couple months. Anyway, embrace pulled the SOAP notes from the 2 vets and are saying it's not covered as it's a preexisting condition. I plan on appealing it, even going to the California insurance board or whatever it's called if I have to because it seems like that is such BS. I'm being punished for taking my pup to the vet too soon. My question is, what is the best way to word the appeal to the embrace adjuster? It's not right that an 8 week old puppy getting it's very first exam should get that classified as a preexisting condition.

When I turned 18, my dad made my start a Roth IRA with Ameriprise because I had an unexpected source of income coming in that he wanted me to put away. Well, since then I have continued to put money into that account and I talk to my FA semi-regularly. Well, I am now 22M and going to be making some real money soon and after some research, I see a lot of people saying to avoid FA for a Roth, especially Ameriprise. I am glad my dad had me do this when I was 18 but now I am wondering if I should move my Roth to something else. For full disclosure, I have put in $19,000 total, and it has grown about $4,000 in that last 4 years or so. However, I do not really know where to begin. Should I move my Roth away from Ameriprise? How would I move my Roth? Where do I move my Roth? I have seen mentions of Vanguard, Fidelity, Schwab and others. How would I choose one? Don't services like these also charge some sort of fee? Thank you so much for the help.

I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?

I'm starting a new job in a month. It's remote, and I live in southern Arlington, VA. The health insurance the company provides is Blue Cross Blue Shield of Michigan, because it's a Michigan based hospital. My to-be manager (someone I know from a previous job) lives in Arizona and he said the pickings of doctors have been lacking due to it being BCBS of Michigan and he's in Arizona. I'm wondering if anyone has had similar experiences? Should I take the BCBS of Michigan health insurance (which doesn't cover anything birth control related so I'd have to get something to supplement that) and hope for good choices of doctors in Arlington, VA? Or go onto my husband's insurance with Kaiser Permanante even though it's more expensive?

Hello everyone, a couple of days ago I was involved in an accident where I was merging and hit a car that was in my Blindspot. I feel awful but I maintain that I did everything I could to avoid it. I checked over my shoulder. I use my blinker, my car has lane assist. The car that hit me just came out of nowhere. I took my car to an auto body repair shop that is owned by a family friend and they quoted my total repair at $7600. progressive told me that if the cost to repair my vehicle is 50% of my cars total value that they will just total it.. I do not want my car totaled as it’s almost paid off and I don’t think it’s even that damaged I could just replace the passenger door on my own and be done with it, I owe about $1700 on my car and progressive also told me that if they total it that the bank might take my car!! I would rather just go pay off my car and fix the door myself. Can anybody give me an input or help? To make matters worse my husband is active duty and we are leaving in 8 weeks across the country. I feel sick

After a family member had a total loss from their condo building fire, TRAVELERS Insurance paid the claim but cancelled their policy. Now, they're having issues finding Insurance companies that will insure them. Any ideas? Has anyone experienced this problem?

I booked a flight from LAX to Hanoi through Priceline, flying with Cathay Pacific and transiting through Hong Kong. I had a valid visa for Vietnam, but I was denied boarding because my layover in Hong Kong was 12 hours and 25 minutes, just over the 12-hour limit for visa-free transit. This wasn’t disclosed at the time of booking, and when I asked for help at the airport, Cathay Pacific’s staff couldn’t assist me—they just told me to call their scheduling department. When I called, they initially quoted me $800 to reschedule to a later flight (11 PM), which I agreed to. After a long hold, I asked if I could take the 10 PM flight instead, and they said it would cost another $700. Frustrated but wanting to get there at the same time as my wife, I agreed. They put me on hold again, and then told me they couldn’t book it because it was too last-minute. Suddenly, the only option left was a $4,000 ticket, which I declined. Instead, they promised me a rebooking for the next day that would still arrive on Monday, which was essential for my plans. I agreed. When they finally called back, they had booked me on a flight arriving Tuesday, not Monday—not what I agreed to. And by that time, they had already charged my card. Now, I’ve lost: • My original $900 ticket (Priceline) • The $800 + $700 for rebooking • A $60 cancellation fee • They even charged me toll fees for the call I feel like I was misled, overcharged, and given incorrect information multiple times. Priceline and Cathay Pacific never warned me about the 12-hour transit rule, and Cathay Pacific kept changing the price and booking me on a flight I didn’t agree to. What are my options to get my money back? Can I dispute the charges? Do I have any legal recourse?