Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:11/12/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  American Business Insurance Services, Inc. (ABI) located in California, with owner D**** * ****** offered to me a Michigan No-Fault Auto Insurance services with collision and comprehensive coverage, and failed to fulfill their obligations after my 2023 Tesla Model Y (“Tesla”, “Car”) got into an accident in Michigan. ABI refused to uphold its legal or contractual obligations, misled me by letting me believe that my claim is delayed for more than 4 months because they are dealing with 3 companies while, upon information and belief, all companies had the same CEO and owner who is D**** ** ****** They fraudulently delayed the claim because they pretend they couldn't reach the insurance Adjuster, Genoteq Claims Investigations, a Louisiana company that the same Mr H**** also owns. ABI agreed to pick up and repair the insured car without intending to uphold the agreement, which caused the storage fee by the impound company to accrue above $9,000 and the vehicle to be repossessed by the lienholder Bank, while I was still paying the loan on time. I had to renegotiate with the Bank to retake the damaged car. My credit score failed because of the repossession. In July 2024, 10 months after the accident, Defendant will pay $43,569.96 to the bank that issued the car loan, while the car had a declared value of $65,000 and a deductible of $5,000. ABI has not paid any other claims until today, more than a year after the accident. Moreover, after having canceled the insurance in April 2024 for all cars, ABI keeps charging my Bank Account every month without my knowledge. They do not answer my phone calls, neither my emails. ABI owes MDOT ($4804.28), Paramount Collection ($540.00), Ascension Hospital ($713.46), CEP ($189.13), WellNow ($315) and unauthorized transaction to my bank account: $86.04 10/08/2024, $88.90 09/06/2024, $215.60 08/07/2024, $88.90 08/06/2024, $86.04 07/08/2024, $340.44 07/08/2024 ,$88.90 06/06/2024, $351.78 06/06/2024, $157.72 05/07/2024, $340.44 05/07/2024.

  Business Response

  Date: 11/15/2024

  Thank you for bringing your concerns to our attention. At this time, we are unable to provide a detailed response to your inquiry as the matter you have raised is part of an ongoing legal process. Due to the open and active nature of this case, we are legally constrained from discussing or addressing the specifics of your complaint outside of the appropriate legal channels.
  We assure you that we are fully committed to resolving this issue through the proper procedures, and we will respond accordingly as the legal matter progresses.
  We appreciate your understanding and patience in this matter. If you have further questions or require additional clarification, please feel free to reach out to us directly.
  Sincerely,
  B*** *******

  American Business Insurance

  Managing Director - US Insurance

• Initial Complaint

  Date:07/16/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On May 10, 2024, I was involved in a car accident in which someone hit me. The accident has damaged the driver side of my vehicle. I did all the necessary steps to get a claim filed with this insurance company because the person who hit me is insured by them. It's now July 15th and my vehicle has not been fixed. I have never ever had any accident claim to get my vehicle fixed take this long. It's over two months now, and I have gotten no progress from this insurance company. I have been in contact with the claim adjuster by the name of B******* Seymour through email only. Any time I call there is no answer and I leave a voicemail and never receive a call back. Just email and I have to initiate the email first to get any response on the status. The insurance adjuster B******* keeps telling me "Coverage is being verified" I have no idea what that means and no explanation is given and she is super short with her responses. I do know however it does not take this long to "verify coverage" This inconvenience is holding me back from being able to drive my vehicle long distances due to my back taillight being damaged and I can't risk being pulled over by police and receiving an expensive ticket because of their lack of business. I would really just like to come to a resolution to have my vehicle fixed as soon as possible as it has been over two months now. Can you please help me, I just need my vehicle fixed. claim #: CA-PA-24******

  Business Response

  Date: 07/19/2024

  July 19, 2024
  
  Better Business Bureau
  213 Santa Barbara St
  PO Box 129
  Santa Barbara, CA 93101
  
  RE:Department File #*********8B5A
  Complainant:E**** ********
  Date of Complaint:July 16, 2024
  Policy Number:AU24P******901
  Claim Number:CA-PX-24******
  Date of Loss:May 10, 2024
  Line of Business:Commercial Auto
  Insurance Carrier:New York Marine & General Insurance Company
  NAIC#16608
  
  To Whom It May Concern:

  
  This letter confirms our receipt of the inquiry submitted to your office on July 16, 2024 regarding the concerns expressed by E**** ********.  Thank you for an opportunity to review this claim file.
  
  
  Pursuant to our Claim Servicing Agreement with New York Marine & General Insurance Company (NYM), please be advised that Genoteq Claims Investigations, Inc. (Genoteq) acts as a third-party claim administrator for NYMG.
  
  
  Upon review of the file it was determined that we were investigating coverage to determine who the driver was of the insured vehicle.  We spoke with Ms. Baptiste on July 16, 2024 and explained the reason for the coverage investigation and the next steps were to continue to try to make contact with the driver at the time of the loss.  We attempted to reach the driver of our insured vehicle, Ray Gallardo.  We received a return call on July 17, 2024 after numerous attempts and confirmed the outstanding information needed to resolve our coverage investigation.  On July 17, 2024 we spoke with Ms. Baptiste and setup an inspection of her vehicle.  We are currently awaiting the return of the estimate and then payment will be processed for this claim.  
  
  If you have any questions or concerns, or if any additional information or clarification might be required, please contact me at the email address or phone number listed below.
  
  Sincerely,
  
  C**** *****
  President, Genoteq Claims Investigations, Inc.
  Email: [email protected]
  Phone: ###-###-####

  Customer Answer

  Date: 07/19/2024

  
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 21994870, and find that this resolution is satisfactory to me.
  Thank you for helping me get this matter taken care of. 
  
  Kind Regards,
  
  E**** ********
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

• Initial Complaint

  Date:06/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Better Business Bureau, I am writing to formally lodge a complaint against American Business Insurance regarding their refusal to cancel my insurance policy despite multiple requests. On 06/27/24, I contacted American Business Insurance to cancel my policy. Despite providing all necessary information and complying with their procedures, my request was denied. Two vehicles remain insured under this policy, even though I no longer require their services. I have reached out to their customer service department on several occasions, hoping to resolve this matter amicably. Each time, I have been met with resistance, vague responses, and an unwillingness to assist. This has caused undue stress and financial burden as I continue to be billed for a service I no longer need. Their refusal to honor my cancellation request is not only unethical but also a blatant disregard for customer rights. I urge the Better Business Bureau to investigate this matter and hold American Business Insurance accountable for their actions. I seek a swift resolution to cancel my policy and a refund for any charges incurred post my initial cancellation request.

  Business Response

  Date: 07/08/2024

  Hello,

  The insured submitted their request to cancel the policy on 06/28/2024. Our office responded to him the following business day 07/01/2024. The insured has signed the cancellation request form we sent him and his policy is now cancelled.

• Initial Complaint

  Date:06/25/2024

  Type:Customer Service Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Please review a email that was sent to AMERICAN BUSINESS INSURANCE explain the issue I have with this business. Dear ABI Customer Service Team, I am writing to address a critical and urgent issue regarding the failure of American Business Insurance (ABI) to submit necessary documentation to the New York State Department of Motor Vehicles (NYS DMV). According to the DMV representative, two specific cancellation dates from my insurance with NY Marine General need to be submitted electronically: 1. February 6, 2024 2. May 26, 2024 It is astounding that while electronic submissions are easily managed for insurance cancellations, the same efficiency does not extend to reinstatements. This lack of capability has caused significant disruptions and demonstrates a profound lack of responsibility and care from your team. Due to ABI's failure to submit the required electronic documents to the NYS DMV, I have experienced the following issues: - **Suspension** of registration for seven of my Turo vehicles. - **Suspension** of my personal driver’s license connected to the registration of these vehicles. - **Embarrassment and inconvenience:** One of my Turo hosts was stopped at a checkpoint, and the car was impounded due to no insurance and suspended registration. The renter was also issued summons and had to walk off a bridge with his luggage’s and children to catch an Uber. Fortunately, I was able to provide him with one of my two remaining vehicles not covered by ABI insurance to help him get back home. However, this incident has significantly disrupted my operations as a Turo Power Host and damaged my business reputation. I demand immediate action to resolve this matter today, including: 1. Submission of the indicated insurance cancellation dates to the NYS DMV without further delay. 2. Arranging a call with a senior executive or owner at ABI to discuss this matter in depth. inform others of ABI's negligence, which has nearly destroyed my Turo business.

• Initial Complaint

  Date:05/06/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On February 27, 2024 we received notice that our insurance had a lapse in coverage. We were given instructions to wire transfer the money to reinstate the policy. On February 28, 2024 we wired the funds per instruction. We were told we had to reinstate both vehicles. However, one vehicle wasn’t being rented and per ABI’s underwriting it did not qualify for coverage due to its rental history. The agent stated we would have to request cancellation. I did as soon as I hung up. The vehicle is covered by another insurance company(covered by Progressive since 2/2024) and ABI still continues to give me the same speech everytime I call to ask the status of the cancellation for 1 vehicle which I’m told was approved by underwriting 2 months ago. Vanessa, Will & Laura are the agents that I keep getting sent to when I call, Nichole is the agent who created our policy. I have all of the email communication. They continue to charge us for 2 cars and refuse to refund our account and remove the Lexus truck that does not qualify for insurance per ABI underwriting. This practice of stalling to keep customer payment is unethical & I’m sure the commissioner of insurance would be appalled by the lack of support from ABI/Period X insurance. We had no complaints for the past year and a half. Now we can’t get anyone (not even a supervisor) to correct this issue. Please remove the Lexus and refund our money.

  Business Response

  Date: 05/13/2024

  Hi,
  
  The vehicle was backdated and the refund issued on the account but the policy is pending cancellation due to a returned payment.

  Customer Answer

  Date: 05/14/2024

  
  
  Complaint: 21665955
  
  I am rejecting this response because:

  The policy was in cancellation due to none payment because we were being charged for 2 vehicles. As of this morning  the portal shows a credit balance on one page and the old balance due for 2 vehicles. It also won’t allow us to pay anything online because of the pending cancellation. Per instructions your company would like us to send a wire transfer for nonpayment for and additional charge of $25 plus the -$47.05 due. Also, there’s no refund in our account and if you credited the policy the refund there should be no cancellation. Please explain and correct your system before 5/22/2024 which is the pending inaccurate cancellation date. 
  
  Regards,
  
  M**** ********
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  

  
  

• Initial Complaint

  Date:02/19/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been insured with an insurance company called ABI/Period x since 11-20-23 - current. The problem is ABI is not reporting to the DMV that in insured. So I'm receiving notices and certified letters from the DMV to provide insurance back dating to 11-20-23. My registrations(3) are now suspended. I have been back and forth on the phone with the DMV and ABI insurance to attempt to deal with the matter. ABI is not cooperating. The DMV has tried to contact ABI and have been unsuccessful. Now I'm facing penalties with the DMV and my vehicles(3) registrations are suspended. My payments have been on time as they are automatically drawn out my bank account. I want ABI to provide proof of insurance to the DMV. I also would like reimbursement for the months I've been paying for insurance. Please help I've been going back and forth for months now!

• Initial Complaint

  Date:12/21/2023

  Type:Service or Repair Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My current registration is suspended, because they haven’t send information to show my proof of insurance I have been going to the motor vehicle everyday just to call my insurance company and them to tell me they can’t forward the information while I’m there.

• Initial Complaint

  Date:10/31/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a credit balance of ($282.77) On the account Carrier Voyager Indemnity Insurance Company Period X (TM) Auto Liability Policy Limits: 50/100/30 02/25/23  -  08/01/23 #FA******02-4509

  Business Response

  Date: 10/31/2023

  Refund check was issued today. 

• Initial Complaint

  Date:10/02/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Our business fleet of vehicles is insured through ABI (American Business Insurance). Within the 2023 calendar, there have been several accidents of which we've attempted claims be opened by ABI. Each claim is unique, however, they all remain in ABI's court to process and resolve either directly or through at-fault party insurance carriers. To date, ABI has delayed and/or refused to proceed in processing our claims citing incorrect and/or contradicting information. Our business requests BBB's assistance in getting our insurance claims resolved through our insurance provider, ABI.

  Business Response

  Date: 10/02/2023

  I cannot find this customer in our system. Do you have a policy number? Also, ABI does not handle claims. We are agent, not the insurance company. All claims are reported and handled by the insurance company directly. ABI is not an insurance company. We are an agency. 

• Initial Complaint

  Date:09/20/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We had a policy with ABI for 2 years with no issue. From 2021 to 2023 And for all that time we had a great experience with ABI. Our issue started when our policy expired on 6/22/23. We weren't notify that it was expiring and it wouldn't just renew like the previous year. We only realized it when the DMV sent us letters about our cars being uninsured. We contacted ABI and they said they would issue a new policy. The problem is that took them 3 months for them to send us a new policy quote. By that time DMV suspended our license. We had to shop around for insurance. When we finally found a good fit for us we needed a loss run report for our previous provider. Which with asked to ABI. They said it would take 10 business days. Which was already rough since we are not able to rent our cars because of this. But we patiently waited. Now we have been waiting for a month. We used to be able to communicate with ABI by phone. Lately they never pick up. Luckily they have been responsive by email. Although we weren't happy about the renewal issue. We were happy to do business with ABI for those 2 years. Now that they have been less responsive with just want quick help so we can proceed with our business

  Business Response

  Date: 09/27/2023

  The Loss Runs have been sent to the insured. 

  Customer Answer

  Date: 09/28/2023

  
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID 20629717, and find that this resolution is satisfactory to me.

  Update 9/28 the business responded positively. Thanks to their effort we were able to continue with the process we were stuck on. 
  Thank you for responding  ABI
  
  Regards,
  
  J******* *****