Reviews about Finance

Frances17 says "Longterm service" about Liberty Mutual

Frances17 — Thu, 12 Nov 2009 19:33:47 GMT

My mom used Liberty Mutual for her car insurance the whole time I was growing up. After I married - I went with what my husband had. Then went to another company because I got a discount as a teacher. I am with Liberty Mutual now, because the other company's rates went up $30 or more dollars every six months for the previous two years.

The personnel has been wonderful, friendly and helpful since the beginning, even looking for ways for me to save on my insurance when I call for simple questions. Fortunately, I haven't had a claim, but I remember whenever mom did, she always got prompt service and no hassles. I plan on being with Liberty Mutual for the remainder of my days.

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champ17 says "No sales pitch when activating Sears Charge Card" about Sears - James F. Falls

champ17 — Tue, 13 Oct 2009 19:25:44 GMT

When activating a new Sears Charge/Credit card I was presented with what seemed like a minute and a half or more sales pitch for idenity theft protection for $12.?? a month. I had called to activate my credit card not have my arm twisted to but something I did not want. After telling the person I was not interested in the plan, I was asked if I had a identify theft protection plan in effect to which I responded, "No". I was then talked to like I was not very smart to turn down this offer when I could cancel it in 30 days if I did not like it.

In an aggravated tone I infromed the person that I had called to activate my card not to listen to a sales pitch. To which she responded that she would show that I declined the offer and the call was ended. I hate this kind of tactic where you are instructed to call for one purpose and then they try to sell you something or try to sell you something more than what the call was about. This behavior leaves a bad taste in my mouth for dealing what...

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beautifulmotherof2 says "very dissatisfied with wells fargo" about Wells Fargo Home Mortgage

beautifulmotherof2 — Thu, 24 Sep 2009 11:42:24 GMT

I am very dissatisfied with wells fargo I was supposed to close on my home a month ago it has been 2 months and i havent closed on my home yet. I dont know what is going on with my loan things they should have already have done is just getting done (1 months after have should have closed) they have had my signed contract since July which should have closed on or before aug.14 it is now sept.23 and i still dont know when i am going to close. I also talked to a manager he was supposed to give me information regarding my loan still waiting for the call back which was 4 weeks ago.I would not recommend this company. So much for their close on time guarantee

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mmommiz says "Check terms & conditions" about Geico

mmommiz — Wed, 24 Jun 2009 19:02:40 GMT

I admit I have been entertained by those clever Geico tv ads, the ones with the cavemen getting upset because they feel slighted or the little gecko getting chased around by people and also the money with "eyes". So when I decided to call to find out if I could get a better car insurance rate, I was very dissappointed. Granted, not everyone will be dissappointed, but I tried to get the best rate I could. The downpayment was much more than I had made with my present insurance company. The monthly rate was also more. So I told them I had no intention of switching. I told them I got the impression from their ads that I would save money by switching. The Rep said that I would save money in the long run but did not explain how. I assumed the bill would eventually go down once Geico understood I was a low risk. Still, I have a great driving record and I like to be rewarded for that every once in a while!

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Clawdette says "Sears Card--Customer Service so poor it makes the DMV look good." about Sears - Credit Card

Clawdette — Fri, 08 May 2009 21:02:32 GMT

Sears Credit Card. Unbelievably poor customer service. Sears will not honor their 12 months deferred interest no payments promotion on large appliances. Customer service reps always put you on hold for 30 minutes no matter what time you call, then transfer you to another rep without saying anything, then kick you back to automated call system. Answer all of their online inquiries saying " you must call us". Good idea, I want to be put on hold for 30 minutes. I think they are non-responsive to dispute resolution because it allows Sears Card to charge $39.00 late fees and 29.99% default interest rates. You cannot resolve anything if you cannot get a response. Never, never use Sears Credit Card to purchase anything at Sears.

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uhumaya says "excellent customer service" about Geico

uhumaya — Thu, 26 Mar 2009 21:35:02 GMT

When i was buying a new car, I shopped online for different Insurance quotes.
State Farm and Geico gave me the most competitive quotes with State Farm being slightly lower than Geico.
However when I called the two companies, State Farm customer service was slow and they gave me a quote which was different from their online quote. Compared to them Geico customer service was polite, they did not transfer me multiple times and their quote was the same as their online quote. Their swiftness in completing the transaction and faxing me the documents helped me to get a car quickly and efficiently.

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mckane1 says "if you leave home with it dont forget to bring cash and or visa" about American Express - Rewards Plus Gold

mckane1 — Sun, 15 Mar 2009 14:19:30 GMT

Watch out! I have been a customer / card holder for 10 years. We booked a flight to Vagas on this card and rooms a week or so in advance. The day we arrived in Las Vegas Nevada 2000 miles form home american express closed or credit lines for a financial review and asked us to provide financial, proof opf income etc after the fact, the balances have always been paid n full, of course we had plenty of cash and our trusty master card visa. It seems that would be the one I leave home with out form now on. ...

shamrockbay says "I feel safe knowing I'm with State Farm insurance" about State Farm

shamrockbay — Thu, 12 Mar 2009 03:25:47 GMT

I have been with State Farm for over 30 years and I am very satisfied with their level of service, the coverage, and their premium rates. Over the years, I have matured and my needs have changed, and State Farm has been there to cover me through it all. When I was a homeowner, when I was a 'young and inexperienced' driver, when I became a parent and purchased life insurance. I have had the same representative for over 20 years, and I feel like he is a partner more than an insurance agent. In these days of call centers and overseas customer service departments, it's great to know that when I need help, I can call the same person who has known me for years.

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foghornleghorn says "Ed Jones sucks" about edward jones Roth IRA

foghornleghorn — Tue, 17 Feb 2009 23:41:24 GMT

Personally, I think Ed Jones has to be the worst investment managment company out there. I have my own personal account that I manage and during these troubled times have gained 2%. My Ed Jones large account has lost 55% and going down still. And, one has to pay really high loads to make buys and sells and a managing fee. If I knew then what I know now I would have RAN away when solicited by Dead Head Jones. Another problem that I have had is when I need to make a buy or sell my broker can never be reached. So I am usually buying high or selling low. In fact I asked to make a buy on Exxon a few weeks ago when the price was 76. and when I got the buy order in the mail I paid 80.! Ed Jones dosn't know what real time investing is. The managers are too interested in taking money than they are in real research of the companies that they solicite or in really taking care of the client....

irisheyes99 says "High Interest Rate regardless of Credit Score" about GE MoneyBank - GE MoneyBank

irisheyes99 — Tue, 17 Feb 2009 22:10:53 GMT

GE MoneyBank is used for a variety of stores. When I went to a jewelry store, they used GE Moneybank to open a line of credit for me. When I went to the dentist & couldn't pay up front for a root canal, they suggested a line of credit called "CareCredit" and it was financed through GE MoneyBank. When I needed financing to get my home waterproofed to stop the flooding, GE MoneyBank was used.

Sounds convienent, right? Well, it is, but there's a price to pay. All accounts that I've had that used GE Moneybank (I've had several), the APR's were over 20%, except for one which was about 16%. My credit score is around 730, so there's no way it should be that much. They said they don't look at the credit score like most people, they have a flat rate. I wish I knew this at the time! Plus, the one GE Money account that was opened for the waterproofing shouldn't have been. I never signed paperwork agreeing to GE MoneyBank. An account was opened in my name from the "Home Improvement...

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Duv12 says "Any Credit Card in General" about Citi - Diamond Preferred Rewards Card

Duv12 — Tue, 17 Feb 2009 17:40:41 GMT

Ok here's my speel. Why are we spending so much money using credit cards just to get back a SMALL reward? The reward thing is just the credit cards way of sucking us in to getting a card in the first place. "Oh looky here, we will give you $50 back if you just spend $2000." Come on what kind of deal is that? Does this make sense to you? Doesn't make sense to me. And have you really sat down and figured out what your really paying for an item you buy? You may think you got it on sale but if you put it on a credit card you end up paying more then regular price for it. Intrest. What if you paid cash for that item? Then it would be a good deal and it would be sale price. Our grandparents and our great grandparents and so on and so on thought credit was a sin. If you couldn't buy it with cash you didn't need it. And if you wanted something you saved for it. I don't know about your grandparents but mine had a nice home, two new cars and no debt. Me, I live......

norske2383 says "A little too expensive for me." about State Farm

norske2383 — Mon, 16 Feb 2009 13:57:07 GMT

When I moved out of my parent's house my car insurance rate went up a lot more than I expected. I called to see if I can negotiate a lower rate and they wouldn't budge...so they lost me as a 10yr+ customer. Don't know if it's like that company wide or if it was just my particular agent. The actual service while I had it was decent though; I was just simply turned off with the curt responses of my agent when I told him the new insurance rate was really above my budget. Why would they want to lose a customer and have that customer share a negative opinion? Keeping customers happy should be a number one priority and if you aren't willing to budge at all, I'm more than willing to shop around....

mrshnirt says "Great rates, customer service and discounts." about Liberty Mutual

mrshnirt — Sat, 14 Feb 2009 16:11:32 GMT

I have car insurance with Liberty Mutal and I have been a customer of Liberty Mutual for years. I have also checked out other companies prices. Liberty Mutual is the best for pricing, customer service and discounts.

We have had to file a claim and the claims department was availible and they were very quick to respond. The proceesing time of the claim was short. The whole procees went very smoothly and they were very knowledgable and helpful in all the areas I needed help. They care about there customers.

Another time is when i was locked out of my car and they made all the calls needed and also called to check on me until I was back into my car. What a great company with great perfesional, caring employees.

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Moodyme says "If they can't manage their own finances, I don't want Bank of Am" about Bank of America - Visa Card

Moodyme — Thu, 12 Feb 2009 19:33:18 GMT

Bank of America ( Visa Platinum) went to the government for a great big "handout" and then had the nerve to raise my rate significantly. My account was never deliquent. I lost my income but; I was still paying on time. The Big Guy gets an undeserved break and then shafts its customers. Al Capone was sent to jail for what banks now do to people every day in the small print. But then we're governed by crooks and thieves who like bankers give themselves a bonus for stepping on public America. Maybe we'll get smart and put bankers and politicians in Alcatraz together....

lynxhd says "Not bad, even high deductible plan "saved" us" about Blue Cross / Blue Shield

lynxhd — Fri, 06 Feb 2009 12:16:09 GMT

Both my husband and myself had some seriously high medical bills in 08, his for 3 ambulance calls and one surgery, mine for an ongoing unexplained illness - including numerous testing etc. We have the high deductible CCO plan but all in all, out of pocket expenses are no more than $4500. After seeing the charges of what we COULD have had to pay, this is nothing. We will take loans to pay this amount but we could have been stuck with a lot more. Once we reached our max out of pocket what I liked seeing was the $0.00 due by individual on the EOB's time and time again for the second half of the year. Knowing after the fact that everything was covered free of charge as long as it was in network for the remainder of the year was a weight lifted off. BCBS did not have us go get referrals, no hassle for pre-certification for hospital stays etc. They made it very simple for us and with what we were going through that was a big stress taken off.

You would think with all of that we would...

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Dustieisfun says "OH, Too bad I don't have any $$$$ to put in one!" about Charles Schwab IRA

Dustieisfun — Mon, 02 Feb 2009 18:18:25 GMT

I used to have $ in my 401K through a company that invested the same $ amt that I put in and at the end of 23 yrs of working there, I quit and wanted to move on because I knew everything there was to know in the company in every dept. Including making the product. Schwaab Stamp and Seal Company. I had $70,000 some odd $ when all was said and done. Well my son's father and I had broke up and I was poor so I had to w/d it and use it for moving and to live on for a while til I found a better job. I did. But they had no investment plan yet in their company because they had recently opened in Milwaukee. I worked for that branch here. As an Office Manager which is what I ended up doing at Schwaab in the end too. Oh and when you w/d it early b-4 you retire u get penalized by our wonderful GOV"mnt of 43%. So by then I did not have much. I know stupid move on my part. Maybe I'll win the lottery some day that I never play! HA! HA!...

JeanJean says "American Express is not accepted everywhere" about American Express - Rewards Plus Gold

JeanJean — Sat, 31 Jan 2009 20:11:02 GMT

Had to purchase bunk beds for my sons who were outgrowing their bedroom. Went to the furniture store, picked them out, had them brought to the loading dock to load into my truck only to find out that the store did not accept American Express. This all took about an hour. Ended up having to put them on an installment plan because we really needed them and the store had worked hard to get us what we really wanted. Very EMBARRASSING!!!! People were waiting in line behind us and we basically had to start the process over. Ended up being there over 2 hours!!...

Glenda1943 says "AARP UH supplementl Insurance is affordable and pays well." about AARP United Healthcare Supplemental Insurance

Glenda1943 — Sat, 31 Jan 2009 04:02:55 GMT

I recently went on Medicare, and purchased AARP United Healthcare Supplemental Insurance. I chose it, because my late mother had it, and no matter how major her medical problems and expenses, nearly everything was covered with this supplement. You get a discount on the monthly payement if you let them take it directly from your checking account, and that saves you the responsibility of paying monthly and wasting a stamp. In addition, you get discounts on eyeglasses, dental and medication if you frequent the places that are in their system. Earlier this week I called in a refill on a nasal allergy spray to my Pharmacy. When I picked it up I showed my Supplemental Ins. card, but they could not process it because there wasn't a RX # on the card. So I paid full price of $59 for the prescription and left. The next day the RX card came in the mail, so I went back a couple of days later to get the card in the system. The Pharmacy REFUNDED the $59, and reissued the bill at $33,......

MarknLisa says "Credit Card Debt Relief" about Sears - Sears or Discover

MarknLisa — Wed, 28 Jan 2009 02:32:38 GMT

Many people are suffering at this time due to the mortgage crisis, job losses, home and investment devaluation. Sears could win over a lot of public support by allowing those who received gift cards and those with store cards from returned items, to use these cards to help bring current or pay down thier Sears and Discover card debt.

This move would benefit the Sears corporation not only though a limited time good will gesture, also money would flow from the frozen escrow accounts into your operating funds.

Thank You for taking the time to read my suggestion.

Mark H.

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meadeseekinghim says "Use the card that pays you back!" about Discover - Platinum

meadeseekinghim — Thu, 15 Jan 2009 12:47:19 GMT

There are tons of credit cards out there, but there is only one that I have found that will actually pay you back in CASH! Most state that you can win prizes with points that they give you. I don't think that people realize how many points you have to earn just to get the smallest prize available. Using my discover card I could have already bought the item that was up for grabs with points 10 times over with my cash back bonus! I also like the choice that I am given, whether to use my bonus as a charitable donation or get it doubled at some retailers! How can you go wrong? Especially if you pay it off each month.

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