Complaints

This profile includes complaints for State Farm Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  State Farm Insurance Company

  1 State Farm Plz Bloomington, IL 61701-4300

• 

  State Farm Insurance Company

  2702 Ireland Grove Rd Bloomington, IL 61709-0001

• 

  State Farm Insurance

  1124 N Rolling Rd Catonsville, MD 21228-3826

• 

  State Farm Insurance

  8345 Main St Ellicott City, MD 21043-4875

• 

  State Farm Insurance

  301 Allegheny Ave Towson, MD 21204

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:06/11/2025

  Type:Customer Service Issues
  Status:

  UnresolvedMore 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 recently submitted a claim to State Farm Insurance for damage to my roof from a hailstorm. State Farm appraiser ****** **** came out to my home on June 2 to appraise the damage. She asked that my contractor ****** ******* be present. They were both on the roof as ****** did her inspection. She stated to me that State Farm will cover the damage to the front elevation, the front gutter, and the 2 back window screens. She said she would put all this damage she observed on her estimate but that she would have a second party come out to appraise the back of the house because she said she couldn’t access.. I was called 2 days later and she told me she changed her mind and that she denied my claim. I asked her why when she had already approved my claim on Monday and she refused to explain. I said she was being dishonest after she already stated she saw the roof damage and State Farm would at least cover the front elevation, gutter and screens. She repeated that she changed her mind and nothing I said would change it. My contractor had recorded her telling us she agreed the roof was damaged by a hailstorm and the damage would be in her estimate and State Farm would cover it. I made State Farm aware of that I went to the office of my local State Farm agent, **** ********, in ******* *** Instead of assisting me with an explanation he accused my contractor ****** ******* of going door to door after the hailstorm seeking business from people with damaged roofs and even said bad things about ****** ******* claiming he has had several run ins with *** from ******. He never offered me any help and his tirade left me in tears so I left his office. *** from ****** went to the State Farm office and **** ******** admitted he lied about ****** ******* and admitted he had never even met ***. A third appraiser denied my claim. The supervisor over him and ****** was present and she refused to acknowledge the damage this appraiser showed her. This is dishonest. Please help me.

  Business Response

  Date: 06/12/2025

  Thank you for forwarding this inquiry to our team for review. Margaret Nichols concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

  Customer Answer

  Date: 06/12/2025

  The response from State Farm that they will contact me as appropriate is not satisfactory to me. My claim for damage to my roof from a hailstorm was approved by the State Farm appraiser then denied by a supervisor in the office. I was treated in an abusive manner by State Farm representatives that brought me to tears and has put me through terrible stress. As a widowed senior woman who is a recent cancer survivor this type of treatment from State Farm has had a bad effect on my health. The level of dishonesty from State Farm is astounding and another phone call from them to tell me again they changed their mind about approving my damage claim is not acceptable. I am requesting that State Farm settle my claim by paying for the hailstorm damage on my roof that the State Farm appraiser stated they would. I have a recording of appraiser ****** **** telling me she agrees there is hail damage and it would be covered for the front elevation, the back windows and the gutter and that the back of the house would be appraised by a special team. I expect State Farm to let me know the dollar amount of the approved claim. 

  Business Response

  Date: 06/16/2025

  Thank you for forwarding this rebuttal to us for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate. 

  Customer Answer

  Date: 06/16/2025

   I am rejecting this response because: this is the exact same response I received almost a week ago and nobody has called me from State Farm to explain how a State Farm appraiser stated my claim would be covered and even added in damage to my screens and gutter that I never included in my claim and said that would be covered too. The State Farm appraiser spoke with complete assurance and certainty that the damage she viewed was indeed from a hailstorm and that the damage she viewed would certainly be covered by State Farm. Once a State Farm appraiser tells a customer the damage will be covered why isn’t State Farm held to that appraisal? It is dishonest to approve my claim then retract that approval two days later. I have never received a response to my questions. 
  
  
  
  

• Initial Complaint

  Date:06/11/2025

  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.

  Last year, Regional Manager, Mr. ***** ********, personally visited my home to assess damage related to water leaks. During this in-person visit, Mr. ******** clearly instructed me not to open the walls or ceilings at that time. He assured me that if I noticed any additional signs of water within the next two years, I should contact State Farm Claims and the original claim (Claim Number ***********) would be reopened, with no new claim filed and no additional deductible required.
  
  He also acknowledged that—under standard claims practice—the water issues in my kitchen (pipe leak) and bathroom would normally be classified as two separate claims. However, given the delays and complications I had experienced, Mr. ******** made a specific commitment that this would be treated as a single claim (Claim Number ***********) with only one deductible applied.
  
  Now, approximately a year later, I have observed renewed signs of water damage in the same areas. Acting on Mr. ********’s assurance, I contacted Claims to have the original claim reopened. I was told by Mr. ***** ******, Claims Team Manager, that there is no documentation or note reflecting Mr. ********’s commitment. He also indicated there were no phone recordings or call logs, despite my repeated clarification that this conversation took place in person at my home—not over the phone.
  
  Further, Mr. ****** has refused to allow me to speak with Mr. ******** or escalate this issue beyond himself, stating that he is the highest point of contact. This is deeply troubling and unacceptable given the seriousness of the issue and the fact that a formal commitment was made to me by a State Farm leader.
  
  As a direct result of relying on Mr. ********’s guidance, I unknowingly allowed a known water leak to remain in my home for over a year. This has jeopardized the structural integrity of my home and endangered the health and safety of my family, especially as both my child and I suffer from documented mold allergies.

  Business Response

  Date: 06/12/2025

  Thank you for forwarding this inquiry to our team for review. ********* ****** concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

• Initial Complaint

  Date:06/11/2025

  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.

  State Farm is overcharging by about $800 for home insurance because they cannot get their system to calculate discounts correctly. I'm supposed to get Gold Fortified and year built discounts. The rep says that the left hand isn't talking to the right hand in the company and isn't fixing the issue. They don't understand how it is affecting customers and was told if they do fix it they won't be reimbursing the customers for the months of overpayment. This is illegal and criminal for a company to charge more and not reimburse customers.

  Business Response

  Date: 06/12/2025

  Thank you for forwarding this inquiry to our team for review. ****** ************ concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

• Initial Complaint

  Date:06/10/2025

  Type:Billing Issues
  Status:

  UnresolvedMore 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.

  Insurance billing fraud. I have been with State Farm for over 15 years, and for the past year, they have been erroneously billing me. In Feb 2025, they charged me 1700 for car insurance after they said they covered a car Jeep Wrangler that was never billed.
  Recently I added a Jeep Cherokee and changed replaced a leased Volkswagen with 2025 Volkswagen.
  
  My normal bill is approx. 635 a month, my bill increased from 635 to 1,900 with no explanation of the charges. State Farm randomly accuses you of not paying a bill, when I have paid my bill every single month.
  I don't understand how by bill could go up 3x it's normal rate for adding a single vehicle and changing out another vehicle. I expected about an additional 300 increase, but not 1,300 incease.
  I would like the dept of insurance regulation to investigate State Farm.
  State Farm's billing department can't explain the charges or the billing system. I believe premiums aren't actually being reduced from the bill and a new bill comes out. I feel like the payments go
  into a deep hole and never get applied.
  State Farm is stealing from it's customers

  Business Response

  Date: 06/12/2025

  Thank you for forwarding this inquiry to our team for review. ****** *********'s concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

  Customer Answer

  Date: 06/12/2025

   I am rejecting this response because:
  
  
  I want an internal billing investigation as to why my billing tripled 2x this year.

  I want a monthly cost for each vehicle 

  I want to see a monthly charge for each vehicle 

  I want to see a credit for the Volkswagen that was removed and the difference for the that was added 

  I want to see how much the recently add Jeep cherokee cost each month 

  I want to see the billing for each vehicle 

  And summary of each vehicles monthly charge

  I want to know what my monthly bill will be each month. 

  I want to know why my payments aren't reducing the next bill. 

  Business Response

  Date: 06/23/2025

  Thank you for forwarding this rebuttal to us for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate. 

  Customer Answer

  Date: 06/23/2025

   I am rejecting this response because:

  State Farm doesn't acknowledge it's errors.

  I have canceled all my policies and am now with a new insurance company.

  
  

• Initial Complaint

  Date:06/10/2025

  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.

  State FArm terminated my auto policy wrongfully after i have been in contact with manager **** *** who assured everything was fine he even took manual payment and State Farm has been charging me for a car insurance that was terminated since May 10. i have copies on the charges they have made and today they rewrote a policy for a lit higher price ad they are saying they are not sure if they can refund what i had paid. This agent doesn't really know what they are doing . i am not talking about one but all this agency staff . They need to get all their insurance licenses taken away and investigation should be open for this agency

  Business Response

  Date: 06/18/2025

  
  Dear Better Business Bureau,
  I am writing in response to the complaint submitted regarding my agency. I take such matters seriously and appreciate the opportunity to address the concerns raised by the complainant.

  First and foremost, I want to express my commitment to providing the best possible service to all clients. I understand that the termination of the auto policy on May 10 has caused significant frustration and confusion. I want to clarify the situation and provide context regarding the claims made. The complainant has indicated that they were assured by Manager **** *** that their policy was in good standing and that a manual payment was accepted. Our intention is always to ensure that our clients feel secure and informed about their coverage. If there was a misunderstanding or miscommunication regarding the status of their policy, I sincerely apologize for any distress this may have caused.

  Regarding the charges made after the policy termination, we will conduct a thorough review of the account to clarify the timeline and transactions involved. Our goal is to ensure that our clients are only billed for services rendered and to rectify any errors that may have occurred. I understand that the complainant has been quoted a higher premium for a new policy. This is often due to changes in underwriting guidelines or adjustments in risk assessment. 

  
  I take the feedback about our agency staff seriously and will ensure that all team members receive additional training to better serve our clients and to prevent future misunderstandings.
  In conclusion, I appreciate the feedback from the complainant and assure you that we are committed to resolving this matter. We will reach out to the client directly to discuss their concerns, clarify the situation, and work towards a fair resolution.
  

  Thank you for your attention to this matter.
  

  Sincerely,
  **** ********

  Business Response

  Date: 06/19/2025

  Thank you for forwarding this inquiry to our team for review. ******* ******* concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.
  
  

  Customer Answer

  Date: 06/20/2025

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID 23450112, and find that this resolution is satisfactory to me. We are working with the North Carolina department of insurance investigation. I will eventually keep you posted of the outcome. If they are able to fix their mistake.

   

  With warm regards

  ******* *****

• Initial Complaint

  Date:06/10/2025

  Type:Customer Service Issues
  Status:

  UnresolvedMore 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.

  4/15/24 had an accident i filed claim may 2024 ,July and i filed in august. she adjuster asked why so late? it was not, i filed 3 times. in march 2025 cost about 20.00 to send medical records ****. to state farm .i called march left message , nothing . i called in may asking why she hasn't contacted me in all this time? i called her only voice mail. today June 10 2025 called yesterday agent said she will call you today she did not. today i called she told me i never received the medical records i sent **** in march. i called back the lady ****** said Yes we do have the records. she said they were going to offer 1500.00??? i asked what was that amount for? all i am asking is in accordance to my injuries , med pay ,pain and suffering , these people caused me. **** removed my account , blacklisted me because of it so at 61 years old i have no choices in what i pick for a ride? all was on medical records . one agent said she will call that was last month. i know Statefarm has a bad reputation i have never had anything except when accident happen. i want to know why ****** * said she didn't have the records and told me i cant speak to her supervisor? why? why did ****** say Yes we have them sent 3 mos ago. i had injury, had to go back to therapy and still my foot is the issue . i had injections etc.i just wanted to find out about my case and adjuster lied. so now i feel like the older people you will try to offer something not pertaining to all that was asked. so how many consumers has these ppl lied to? its been on the news not a good place.. why adjuster no contact? she said she left messages on 2 numbers both and this number has never had a voicemail, so if she had called i would have answered but she did not .both numbers disconnected. new number has no voicemail either, no set up just so i can catch calls. she lied on me and im disturbed and mortified. i am, in need of information on my case its been long and no one to contact no one will share all the info.

  Business Response

  Date: 06/12/2025

  Thank you for forwarding this inquiry to our team for review. Jeanette Brown's concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

  Customer Answer

  Date: 06/12/2025

   I am rejecting this response because: the adjuster told me that she did not have records then she hung up. so it took me here bc 1 month ago I contacted her left msg ,and msg with an associate,  he assured me she call, I was in touch with her june 11 2025 after several attempts before the date and prior. Now she has the records 3 mos ago no contact. I left contact info in the records she claimed they never received and ****** say yes we have the records asked to speak to supervisor, still no you can't speak to my supervisor had a nice day " this is the adjuster. I do not want to her to handle my claim.
  
  
  
  

  Business Response

  Date: 06/16/2025

  Thank you for forwarding this rebuttal to us for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate. 

  Customer Answer

  Date: 06/16/2025

   I am rejecting this response because: I was told information was never received and it was in March. I do not want this adjuster on this case or her team as I do not trust because of the lies , the time pass she has not contacted me since she had the records.im not happy with the way described statefarm does not contact , and many other things in a timely manner. I do not want her on this case. Find another.very disturbing. 
  
  
  
  

• Initial Complaint

  Date:06/10/2025

  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.

  We had 3 quotes for a new roof from ******* *********, **** **** *******, & ****** ************. ALL said we had wind/hail damage.
  
  Our Homeowner’s Ins is w/ State Farm. We chose ******* because ***** *****, is Haag certified inspector.
  
  Our 1st inspection was March 12, 2025 by ****** ******, from Texas. She would only go on the garage & our home is on the 2nd & 3rd story. The entire roof didn't have a thorough inspection & we asked for a 2nd inspection from a MN Claim Specialist.
  
  ***** *******, 2nd Claims Specialist, told us that ****** is not certified to go on a 2 story roof, but he was.
  
  May 13, ***** insisted on appt no later than 2:00 PM & arrived at 2:30 upset that he had to drive from Maple Grove to Woodbury. He wouldn't go on the 2nd story of roof & told us that we didn't have hail damage. We told him to inspect the ENTIRE roof & he couldn't do without going on the 2nd story. He was upset & said that ***** would not go up, & so he wasn't either.
  
  Defiantly, ***** went on our composite deck & scratched it.
  
  ***** asked ***** if he was Haag certified & ***** said, “I don’t know what that is”. ***** said, “you would know if you are certified because it is extra training”.
  
  ***** showed him where there was damage by pressing on the shingles. ***** accused him of vandalizing our roof & told him that he was going to record him. ***** admitted twice that he didn’t know our weather patterns being from Georgia & didn't listen to ******* proof of hail damage. ***** said wear/tear is not the same as hail damage & granules would be missing from roof but the fiberglass matting wouldn’t be damaged & ours does. This is the difference between the two if there is any doubt of it being one or the other.
  
  Our 3 neighbors had hail damage last year. 2 had their siding/roof replaced & 1 is a State Farm client.
  
  ***** has never had roof inspections like ours & never been accused of vandalism or had the Claims Specialist not inspect the entire roof.

  Business Response

  Date: 06/13/2025

  Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

  Customer Answer

  Date: 06/14/2025

   I am rejecting this response because:
  They will not agree with our contractor's proof of hail damage and the fact that our next-door neighbor had their roof replaced, the neighbor 2 doors down (State Farm customer) had roof and siding replaced & the neighbor across the street had roof and siding replaced due to hail.  

  It is unclear to us why they would send inspectors from Georgia and Texas to inspect our roof.  They admitted to us that they are not familiar with Minnesota weather patterns.  

  The Claims Specialist, ********, from Texas, told me this week that denials have become a "routine" at State Farm.  She also mentioned that claims adjusters are "timid" and do not like to get on the roof and this has been an acceptable form of inspection. 

  This helps us to understand why they refute our certified Haag Contractor's proof of hail damage.  They even threatened him to intimidate him.  

  Since our complaint, we have found out that our deck boards are no longer made and now the entire deck needs to be replaced.  It got scratched when ***** ******* was inspecting our roof on May 13.  State Farm needs to fix the deck and this will require all new boards because they won't match the existing deck.

   

  
  

  Business Response

  Date: 06/23/2025

  Thank you for forwarding this rebuttal to us for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

• Initial Complaint

  Date:06/10/2025

  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.

  State Farm canceled my policy in April/May of 2024. I advised ******** ******** I was not going to renew my policy with State Farm multiple times via phone (new policy with new company attached). She advised me this would be rectified and I've never heard back from her. I also spoke with **** ******/Owner and another assistant that answers the phone to try an rectify this billing statement. I've been advised by both reps that they would get back with me without any returned call. The next thing I know, I recieved a collections notice from a collections agency. If needed, I will contract ******* ******** to get the call log of how many times I have call this agency to rectify this billing issue/mistake. This is very unprofessional on their part, and this charge needs to be credited. They have nothing in writing where I signed a renewal in 2024. Below you'll find the email from ******** stating she would cancel it out).
  
  From:
  ********.*****************************
  To:
  ***** ******
  
  Fri, Aug 2, 2024 at 3:52 PM
  
  Hi *****,
  
  I am so sorry about that. It looks like it was not going to renew due to the audit being incomplete but when you complete the audit, they automatically processed the renewal. I will cancel this out for you.
  
  From:
  ***********@yahoo.com
  To:
  ******** ********
  
  Fri, Aug 2, 2024 at 3:43 PM
  
  Hello ********,
  
  I didn't go with any coverage this year with State Farm.
  
  
  
  ***** ******
  317/294-9413
  
  
  Hide original message
  On Friday, August 2, 2024 at 11:26:22 AM EDT, ******** ******** ********.***************************** wrote:
  
  
  Hi *****,
  
  
  
  I am reaching out to remind you that you currently have a balance due on your contractor’s policy in the amount of $610.00 that was due on 7/22/2024. Please remit payment to avoid any lapses in coverage.
  
  
  
  Thank you,
  
  
  
  ******** ********
  **** ****** ****** **** ******** ***** ** ***** * ********** ** ***** 
  Bus ************ Fax ************
  
  www.***************.com
  
  Auto-Home-Life-Health-Retirement

  Business Response

  Date: 06/12/2025

  Thank you for forwarding this inquiry to our team for review. ***** ******** concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate

• Initial Complaint

  Date:06/10/2025

  Type:Order 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 am filing this complaint against State Farm agent ****** ***** (Office #************) for unauthorized policy modifications, misrepresentation, and financial harm regarding my auto insurance (Policy #**************).
  
  Key Issues:
  -Unauthorized Driver Addition
  -Agent ***** added my father, ****** ******, as a named insured without my consent (confirmed via policy binders).
  -This artificially lowered my premium through unqualified discounts (e.g., "Multiple Lines" discount tied to his policies).
  
  Bait-and-Switch Rate Hike
  -Upon his removal, my premium increased 73% ($234 to $405/month)—a direct result of Agent ******* fraudulent setup.
  -She admitted in writing (texts attached) that she "can’t just change the rate" despite the error.
  -Retaliatory Threats
  -When I demanded corrections, Agent ***** threatened to cancel my policy (see attached May 15 cancellation notice).
  -State Farm’s system still lists my father as a driver (per May 13, 2025 letter), proving ongoing bad-faith record-keeping.
  
  Evidence Attached:
  -Policy binders (03/14/2025 & 05/01/2025)
  -Text messages with Agent ***** -State Farm’s contradictory notices
  
  Demands:
  -Full refund of all overpaid premiums + 8% interest.
  -Written apology from State Farm corporate.
  -Agent disciplinary action (retraining/termination).
  -Guarantee my rates won’t increase due to this dispute.
  
  Legal Grounds:
  -IN Code § 27-4-1-4 (Unfair Discrimination)
  -NAIC Unfair Claims Practices Act
  -BBB Code of Business Practices (Article 3: Honesty)

  Business Response

  Date: 06/13/2025

  Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

  Customer Answer

  Date: 06/13/2025

   I am rejecting this response because:
  
  State Farm’s generic reply fails to address: Unauthorized driver additions (violating IN Code § 27-4-1-4) Refusal to refund $810 in fraudulent overcharges.

  DOI Investigation E-24337 now underway
  I demand: Full refund via wire transfer. Written admission of agent misconduct. BBB public posting of their violations

  Until then, I cannot accept this non-response.
  

  
  

  Business Response

  Date: 06/23/2025

  Thank you for forwarding this rebuttal to us for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate. 

• Initial Complaint

  Date:06/09/2025

  Type:Customer Service Issues
  Status:

  UnresolvedMore 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 have sustained Hail Damage loss to 2 vehicles on 03/15/2025. State Farm has been an absolute nightmare to deal with. They use coercive "deny and delay" tactics to force us to accept "Lowball" settlements. We have informed SF (in writing) that they have violated several sections of 806 KAR 12:0095 (Unfair settlement practices for insurance.) SF simply ignored our response and refused to even discuss it. They are using old-fashioned "Stonewalling" tactic where our local agent refers us to corporate office and call center employees tell us that this if beyond their level of authority and promise to escalate it to management. Management never calls back; however, we get periodic autodial calls from the lower team, who know nothing about the issue, and present us with the same offer as if it has never been rejected.
  Furthermore, "Complex Settlement" team members can’t make any adjustments in valuation or even explain how numbers were calculates - they simply say that the report was prepared by the third-party company and they have no idea where these numbers came from.
  To make matters worse, SF purposely makes phone communications extremely time consuming. They provide claimants with multiple (supposedly direct) phone numbers that all lead to the same central answering system. These phone numbers are also coupled with Extension numbers that DO NOT exist and most of the time their phone system does not even offer the option to enter the extension number. As a result, customer spends excessive amount of time going through endless system prompts before reaching a customer service rep who needs time to review the file. They claim to work in teams for efficiency, but in reality, customer can never connect with the same person again, so every call takes more than an hour and there is no way to get an update or hold a person accountable.
  I've made countless calls to SF over the past 3 months; however, both claims are still open with no resolution in sight.

  Business Response

  Date: 06/12/2025

  Thank you for forwarding this inquiry to our team for review. ******* ********* concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response. We will review the information presented and respond directly to the complainant, as appropriate.

  Customer Answer

  Date: 06/17/2025

   I am rejecting this response because: No resolution of any kind to this date.  Same status as when the complaint was filed.
  
  
  
  

  Business Response

  Date: 06/23/2025

  Thank you for forwarding this rebuttal to us for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate. 

  Customer Answer

  Date: 06/23/2025

   I am rejecting this response because: the business is providing another automated and standard message stating they are looking into my complaint.  No resolution as of 6/23/25.