Fred Loya Insurance’s earns a 2.1-star rating from 86 reviews, showing that the majority of policyholders are somewhat dissatisfied with their coverage and service.
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Fred Loya insurance, should be called Fred Lousy insurance. I have never dealt with such an unproffesional group of ###s till I met the employees of Fred Loya. Beware all! This insurance company actually tries to blame the accident on you! when a police report states the exact opposite, when the insured driver states the opposite! On one unfortunate evening I was driving home, minding my own business when another driver decided to change lanes, into mine, while i was still in it. Somehow this accident is my fault according to the brainiacs at Fred Loya. When the one literate agent took time to read the police report, it was no longer my fault for being hit, but for rather not moving out of the way..well of course! ill hit an innocent bystander because FRED LOYA is unaware of how insurance works. So here i wait, a month later, after many calls to Fred Loya and there well educated staff, I have been given 3 different % of whats covered, first 100%, then 60% now 30% and now the checks in the mail after nothing, nada! was ever settled. I think we know where their check is going..
The complaint has been investigated and resolved to the customer’s satisfaction.
horrible
Is the worst company! Manager francisco pacheco never calls back customers, you never see him in the office instead he is partying in cantina laredo with his females csr's.
The complaint has been investigated and resolved to the customer’s satisfaction.
refuse to pay
We were hit by an insured driver from Fred Loya, they only will pay 50% and it was their insured drivers fault, even according to the police report. We are going to have to sue! The people are scammers.
The complaint has been investigated and resolved to the customer’s satisfaction.
If you can see how they treat the customers you can only imgaine how they treat there employees, all the managament for houston they are all related, manager Roxanne Garcia married reginal manager Edgar Fiol
then reginal manager made his sister area manager of houston.Diana Fiol. Iv been the manager of the humble office for over year now, and have ben employed with them for two years, just recently 9/2 had a situation with another representative who stated i was arguing with a representative from elpaso due to a underwriting change that had occured as to which i was unaware, all i stated to the rep was i felt, " That was not a thought out idead, are they thinking about the customer." as that time the representative gave me an attitude in which i adressed the same .that situation was foward to the president for the company which there after shortly was brought to me, during this situation i tried multiple times to reach a manager for advice on what i could do to keep a customer no one answered convinently as they are never available when we need .So i called her manager ( her sister in lawDiana Fiol) she finaly answered put me on hold for 7 min (this whole time with my customer in front on me) she got back on the phone started yelling at me why did she get a call from the president of the company stating that i didnt agree with the change and who am i to even give my oppinion, at that time i did enform my manger Diana Fiol that i was trying to keep the customer from cancelling his poliyc as it was my job to do as much as i could for the customers. at that time diana fiol still yelling said she doesnt care to just walk the customer and let him go said im done with you and hung up on me, I apoligized to the customer for this as he had ben waiting for almost 30minutes. After that two minutes when by i recieved a call on confrence with Three of the managers Jessica Quintero Diana Fiol Roxanne Garcia, at the same tim e yelling and screaming at me not giving me any chance to get a word in edge wise, what i did say mutliple times was there are not giving a chance to explaine my side as there are always two sides to every story. They didnt care they were screaming rude remarks trying to scare me, they were cursing at me repedidly so loud that on a normal work phone the three customer service representatives, and two customers heard they was they were handeling the situation so unprofecionally. I couldnt believe after everything i do for this company after they fired me twice once last december i was pregnet with twins, unfourtunitly i lost one of the babies in utero and had to have immediate surgery because i was unable to go back to normal work within three days they fired me and didnt higher me back untill i called jessica quintero and mentioned gettign a lawyer. The second time i got fired was when i gave birth to my son in april and again i came back as a manager managing the humble office, My manager roxanne garcia is in our office maby once a month, if even that so basically i am the main one who supervises the office, when this happened 9/2 all the managers ganged up on me, 9/3 when i showed up to work two of the managers Roxanne garcia and Diana Fiol smiling were there requesting to talk to me, i agreed and they couldnt understand why i was still bothered actually the word they said is i have a chip on my sholder, i corrected them at that time and said that i have never im my life ben so disrespected by another person especially in the work place, i told them face to face how unprofecional they are and if there was a problem to discuss they should have came to me in a better aproch, weither i was wrong or not, other than three women fueling off eachother yelling, when i said that they seemed suprise and said they were not yelling but talking loudly, once again i reminded them if that was the case the other people including customers wouldnt have heard a thing. At that time roxanne garcia said she didnt understand why i was stil lso upset that its normal to be treated that way here that she gets yelled at the same and she dosent handel it with any attitude, i advised her that it is not okay to adress any person especially in the work place as they did me its not profecionall. They both smiled looked at each other like i was freaking studpid, i have the representatives in the office who are willing to write any statment to back me up, this isnt the first time and wont be the last, this company is very shady unfourtunitly. PLEASE AUDIT THEM, YOU WILL SEE, THEY NEED TO BE PUT OUT OF BUSINESS, and im not telling you because im a pist of employee im still working there but because they was they handle business had to be stopped, they cheat the customers deny claims and have angents STILL selling policys to customers without being lisenced ! These people who work in the offices work extremly hard which are never apreciated and i am one of many i promise! PLEASECONTACT ME ASAP TIFFANI TROVATO [protected]
Why can we not get theese CROOKS shut down ?
My car was total lost. Police report showed their driver was at fault and was cited at the scene of the accident for failure to yield while turning left, and driving with a invalid driver license. Adjust serrano stated that I was contributed 20% to the accident because I did not quick enough to avoid the accident. This is B.S. He sent me a check for $500.00 to settle for my injury. I do not accept the settlement. I file an appeal online with Fred Loya Insrance, but have not heard anything since. I also file complaint with Texas Department of Insurance, but I doubt that they're going to resolve anything for me because I am not Fred Loya policy holder.
This is a warning: DO NOT EVER DO BUSINESS WITH FRED LOYA INSURANCE!
Even the Texas Department of Insurance cannot seem to get them to pay claims. Loya has more complaints than anyone !
If you got a check, it was for far less than a REPUTABLE shop will repair the car. They sent me $275. My damages were almost $1500 by estimate of a REAL and highly regarded body shop. Add 7 days of car rental at $35 per day, and you can see just how sorry their "offer" actually was.
Have you asked to speak to a supervisor? I was hit by an insured of Fred Loya also in Feb 09 and I have got to say that it was the BEST experience I have had dealing with that kind of situation. They came out to see my vehicle 2 days after my accident and I received payment that same Friday, the guy I was dealing with was great. Im even thinking about buying a policy with them. I have dealt with Farmers in the past and that was a horrible process. So it may just have been the person you were dealing with which is not the companies fault. Also there may be more to it so maybe you can go into a local office for help. Good Luck!
Thank you Larry for the advice. I am having similar issue. First I called Fred Loya and they said the person did not have insurance. Loya calls back about a week later and asked about the accident. They finally claim liability 17 days later and do not look at my car until approximately 30 days after the accident. I was told they are only paying 7 days rental and the vehicle is still not repaired (waiting on parts). The adjuster even told me that the repairs were MY responsability even though I was rear ended and their policyholder was charged AND they claim liability. Body shop and rental car company said this outfit is their worst nightmare. I've exhausted all options and Loya is being unreasonable. I'm left with no option but to see legal action.
Same here, and their "appraisal" of $300 is about one-FIFTH of damages as appraised by my dealer's body shop. I am told by three body shops that they have NEVER seen Fred Loya Insurance pay a claim !
The only recourse options are 1) file with your insurance and have them collect from Fred Loya (meaning you will be out of pocket for the deductible) or 2) to file suit yourself.
I am electing to file suit in Small Claims Court ("JP Court"). Cases may be filed there for amounts owed up to $10, 000.00 -- and you DO NOT need a lawyer.
If enough of us file suits against Fred Loya AND file complaints with the State Board of Insurance AND file complaints with the Texas Attorney General AND file complaints with our local TV stations and newspapers, we should be able to make life quite difficult for these crooks.
unauthorized billing
On Saturday April 18, 2009 my son who is in the Army at Fort Bliss, TX went into the office of Fred Loya and canceled his policy for auto insurance. He found another insurance company that was $60 cheaper per month. He spoke with Carla Gandarilla, who basically verbally assaulted him with questions as to why he was canceling, what company he had his coverage with, how much was he paying. My daughter-in-law informed Carla that it did not matter they just wanted to cancel that day. My son was told the policy was canceled.
Today, Monday April 20, 2009 my son checked his bank account which has gone negative because Fred Loya Insurance put the payment thru on a canceled policy. When my son called Carla, he was told it will now take 30 days for a refund. Meanwhile my son will be charged $8 per day for each day his account stays negative; his next payday is May 1, 2009. My son advised Carla of this and she told him she would call him right back she needed to call accounting to 'try' to have a special payment made to him. After an hour, I called her and she refused to discuss his policy with me. He no longer has a policy with Fred Loya so she would not be violating privacy.
Carla immediately called my son after hanging up on me, and informed him that accounting was closed for the day and she would have get back with him tomorrow.
What a way to treat military personnel. My son is defending this country and being ripped off by this insurance company.
The complaint has been investigated and resolved to the customer’s satisfaction.
First, you went to a service provider on a Saturday to cancel a payment that was coming out of your account on the following Monday and actually expected it to be stopped? News flash! Banks are closed on weekends! Typically payments that get drafted on weekends or Mondays are always sent in the Friday before which means your son came into to cancel at the last minute. Its also typical for companys to request these type of transactions be conducted well in advance (business days) from the actual day your payment comes out. Although I appreciate your sons service to our country he doesn't seem to be the sharpest tool in the shed.
Second, do you always fight your adults sons battles? Privacy doesn't stop at cancellation.
horrible customer service
To whom it may concern: This email is an attempt to notify someone at Fred Loya Insurance of how your customers were treated by your employees at one of your locations.Something needs to be done about this situation immediately. I have never in my 40 years on earth been in the presence of such poor customer service. As an American, I felt disgusted by the treatment our fellow customers had received by one of your employees.The location is off of Ave. K and West Parker St. in Plano Tx.We had earlier that day called the number provided on the liability card that the fellow customer had in their possession. We spoke to a lady named "Candy" who was very pleasant over the phone. Explained to her that the fellow customers (Mr.&Mrs.S) are purchasing another vehicle adding to the policy and need full coverage insurance. I gave her the VIN, year, make, model of their latest vehicle. She had told me that all she needed was to speak to the customers and have the vehicle brought to a location so that someone can take photos of the van.After speaking with the customers she gave them a reference number. She then said that any location could do it, and Fred Loya was open until 6pm (central time). We arrive at the mentioned above location at 6:04pm and were told by 2 female employees inside thru a locked door that they were closed. We told them we spoke with Candy earlier and all someone needed to do at this point was to look up reference number and take photos. We were again told thru a locked closed door that they were closed. For the next 25 minutes we were given the excuse of their computers are down for the night and there was no way to get them back up. It wouldn't count for that days business. All of this being said thru a locked closed door! Finally after Mrs. S couldn't hear everything the employee was saying. She did open the door and stood in front shutting it behind her. Granted, I cannot speak Spanish. But I did get the impression by body language, gestures and tone your employee spoke down to the Ss'. I kept hearing the fact that they could not do anything tonight and it was out of her hands. Here is a fact that I have not told yet. Another female customer was inside doing her paperwork at the desk in front of the door! If the computers were down for the night why was she inside doing business? Whether or not the computers were actually down or not is at this point irrelevant. The fact is that we were not 10-15 minutes late, we were 4 minutes late! The stoplight in front of your location helped make us that 4 minutes late.Something needs to be done about this situation immediately. I have never in my 40 years on earth been in the presence of such poor customer service. I as an American felt disgusted by the treatment our fellow customers received. They are newly Americanized citizens, immigrants from South America and to have someone who is half their age talk down to them is degrading and insulting.The fellow customers do not know that I am writing to you about this situation. I deal with the public as well. I sell cars for the largest automotive dealer in the U.S. and they are #138 on the Fortune 500 (their ticker symbol is AN). If I did what your employees did to one of my customers, I would be hung out to dry.I will be submitting copies of this email to others in the automotive as well as the insurance business communities. I will also send a copy to the TDI as well. Something needs to be done about this matter immediately.
The complaint has been investigated and resolved to the customer’s satisfaction.
There insurance sucks. I pay full price for full coverage and was informed it didn't have a rental clause for renting cars. I say WTF kind of insurance company are YOU////
I use to work there and honestly if you go on a Saturday AFTER 6 of course we don't want to deal wih your ### ###! Cuz we don't get paid OVERTIME so f*** off and go elsewhere!
S. Baker, excuse me, you are a flipping idiot. What is up with this "...as an American" crap? As an American, you feel entitled to show up whenever you please (even if it's ONE minute late) and expect people to do your bidding? If you pumped $30 worth of gas into your gas tank and only had $26 in your wallet, you would expect them to just let you slide because you were only $4 short and not $10-$15 short? Another thing: are you positive that it would just been a "quick thing?" Do you work for the company? How do you know that it would not have taken 20-30 mins - or over that? You have a sense of entitlement that sickens me - seriously, blaming the stoplight in front of the company?
Perhaps if you are some immigrant's first introduction to our country, perhaps you should set a better example for them and let them know to show up at ANY business within the appropriate time frame. Don't blame a company for your own idiocy.
If you"re late, you're late, no excuses. It's like showing- up for a concert or movie late and expecting them to wait for you to get a refreshment, find a seat, and expecting them to wait to start until you do. If you don't want to pay for the employee's overtime, then get there on time. That is not poor customer service, that is someone expecting too much for too little - very petty complaint if you ask me... RF
I have worked all types of sales retail, wholesale, photography, door to door, at&t, alarm systems and currently insurance. 1, i do agree with you that the customer service provided to said Mr. & Mrs. S is inexcusable. If excrusiatingly bad customer service is one of my biggest pet peeves, that's not something that i'm going to exude to my own customers. So Mr. & Mrs. S did not deserve the treatment they were given. Especially when it's in a language they don't understand which is my secondary pet peeve. Spanish is my first language but this is America. The national language is english and that's the language you need to use if you're going to say anything of any type of nature. In part, i do have to agree with the employees that that the customer's tardiness is inexcusable as well. When you are told "we close at 6" that doesn't mean show up at 6. i've encountered this so much with my customers and when i say i'm closed, i mean i'm closed for the night. that means extra paper work and an extra 2 hours of work that i don't need to do, just because they didn't use common sense. it's not the insurance agents fault that Mr. & Mrs. S didn't listen and came in 30 min or so to be able to finalize their insurance transaction. But it is their fault in the way they handled that situation. Plus, they were finishing a transaction that they probably started about 30 min ago with the other customer you speak of. I'm glad that you simpathized with Mr. & Mrs. S but also try to see it from the two insurance agents perspective, even though they might not deserve it. Natalia.
fraud and cheating
I am pretty happy I did not use these guys. I called for a quote because their commercials claim they have the lowest price for automobile insurance. I called up and gave all my information. They stated they cannot insure me because they could only cover liability and my vehicle is financed. Are they serious? What kind of insurance company only deals in liability? What a joke, after I googled them I found numerous negative responses. Here is just one more to add to the list. * fred loya. What a cake * *. I hope they choke on a fat baby's *.
The complaint has been investigated and resolved to the customer’s satisfaction.
Stay away from fred loya insurance. You have to give 10 days in advance to cancel so they would not deduct the payment from your bank. Also you have to go in person to cancel. This is the worst insurance by far that I ever have.
No payment has been made yet and this accident happened in August of 2016
My agent will not get back with me to finish up my claim on my vehicle. I called the direct number sat on hold for over 6mins and then was hung up on.
I need help and someone to call me back
Adrienne Johnson
I have been a loyal customer for almost two years with no accidents. I currently pay over $300 a month for my new car. I get into a little accident and its been almost 6months and STILL not resolved. What is wrong with this company?
Worst company to try to file a claim! My air bag is not working and seat belt is messed up --this company does not care. I have had coverage for over 2 years - first claim I file and it its been over 4 months - no regard of my safety -- or effort to speed the process up
Its been since March and nothing has been resolved for me to fix my car - worst company to deal with - no one is calling me back or keeping me updated regarding the process
I been a customer for Fred Loya for the past 6 yrs and i have never had any type of problems with my company, i've had 2 claims and both paid off. I hear people talking down on a company that's just plain ignorant, also if Fred Loya was actually doing something against the law they would of been penalized by the STATE OF TEXAS but if you go to the TEXAS DEPT OF INSURANCE, Fred Loya Ins has never been fined so people instead of blaming everyone else for your actions please think about it and if your son, daughter, husband whatever is using your car stop been so cheap and add them to your policy. Over all Fred Loya has been there for me in every aspect of my policy and i have a great rate great customer service and nothing but great things to say about FRED LOYA INSURANCE. And also some of these people say fred loyaa only insures "MEXICANS" wow thats plain ignorant.
Why are they calling me 20 days in advance to draft my checking account, I think it's to reassure them that they would be paid, but they are going to send me into overdraft, I don't like them already. I wish i would have known this before hand .Some one needs to stop them .The terrible things that they are doing seems CRIMINAL.
what happen to me was joke they dint paid for a claim after i found one of my family members was not in the in the policy i was living in some apartments at that time and around 6 pages on peaple who usto live there i found my son was excluded
I am an employee of Fred Loya Insurance in California. I just wanted to put my two cents in since I have the point of view from the other side. Even though you are financing your vehicle we will only insure vehicles with a acv of no more than $40, 000. If your vehicle was rated with a symbol of 21 or higher in our system, unfortunetly we would not be able to insure you with the comprehensive and collision. Another reasons could have been say the car is not in your name and you did not want to add the owner of the vehicle or you have altered your vehicle for sports racing or is lifted or dropped . Fred Loya insurance company was just not right for you but may be for other people. Thats why you have options. Dont knock the company just because it wasnt right for you.
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Fred Loya Insurance phone numbers+1 (888) 248-8787+1 (888) 248-8787Click up if you have successfully reached Fred Loya Insurance by calling +1 (888) 248-8787 phone number 0 0 users reported that they have successfully reached Fred Loya Insurance by calling +1 (888) 248-8787 phone number Click down if you have unsuccessfully reached Fred Loya Insurance by calling +1 (888) 248-8787 phone number 0 0 users reported that they have UNsuccessfully reached Fred Loya Insurance by calling +1 (888) 248-8787 phone numberCustomer Service Center+1 (800) 860-5692+1 (800) 860-5692Click up if you have successfully reached Fred Loya Insurance by calling +1 (800) 860-5692 phone number 0 0 users reported that they have successfully reached Fred Loya Insurance by calling +1 (800) 860-5692 phone number Click down if you have unsuccessfully reached Fred Loya Insurance by calling +1 (800) 860-5692 phone number 0 0 users reported that they have UNsuccessfully reached Fred Loya Insurance by calling +1 (800) 860-5692 phone numberCustomer Service Center+1 (800) 880-0472+1 (800) 880-0472Click up if you have successfully reached Fred Loya Insurance by calling +1 (800) 880-0472 phone number 0 0 users reported that they have successfully reached Fred Loya Insurance by calling +1 (800) 880-0472 phone number Click down if you have unsuccessfully reached Fred Loya Insurance by calling +1 (800) 880-0472 phone number 0 0 users reported that they have UNsuccessfully reached Fred Loya Insurance by calling +1 (800) 880-0472 phone numberClaims+1 (915) 629-6300+1 (915) 629-6300Click up if you have successfully reached Fred Loya Insurance by calling +1 (915) 629-6300 phone number 0 0 users reported that they have successfully reached Fred Loya Insurance by calling +1 (915) 629-6300 phone number Click down if you have unsuccessfully reached Fred Loya Insurance by calling +1 (915) 629-6300 phone number 0 0 users reported that they have UNsuccessfully reached Fred Loya Insurance by calling +1 (915) 629-6300 phone number
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Fred Loya Insurance emailscustomerservice@fredloya.com85%Confidence score: 85%supportsupport@fredloya.com82%Confidence score: 82%support
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Fred Loya Insurance address1800 N. Lee Trevino, Suite 201, El Paso, Texas, 79936, United States
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Checked and verified by Michael This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 13, 2024
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My wife was struck by a Fred Loya insured on the 6Th of Mar. 2009 I reported it to Fred Loya Claims approximately on the 10Th when I received the Police report. I did not receive a response from them admitting 70% Liability untill the 20TH of Mar.2009. The Insured admitted he did not see my wife when he drove in front of her, not yielding the right of way to the trafic on the highway. He admitted to the officer that it was his fault He recieved a ticket for not yieling the rigt of way. My wife does not have a 100% command of the english Language but they interviewed her by some one who spoke spanish that lacked knowledge of the spanish language. As my wife says " when I spoke Spanish she didnt understand me, O la estaba haciendo pendeja" Why is this company still in business?
Call your State's Department of Insurance. Fred Loya Insurance in now being investigated by the Texas Department of Insurance for having so many complaints like yours. With lots of googling you might stil find the Dallas Morning New article and read. Fred Loya Insurance was also fined $10.000 by the Texas Department of Insurance in 2006 fro employing unlicensed people as insurance agents. Google Fred Loya Insurance complaints and you will see what comes out!
Typical ! Fred Loya accepts only 90% liability after their insured forced me out of my lane and hit me when most of my car was on the shoulder ! Then they offered only 90% of $300.00 (their estimate) for almost $1500.00 in damages to my vehicle.
THESE GUYS ARE CROOKS !
File a complaint with the State Board of Insurance, the Attorney General, local TV and newspapers -- and SUE the pants off of Fred Loya.
Your lucky! It only took 10 days. I had a claim with Nationwide that took 5 months to settle and that was after they denied me because their adjuster didn't know liability transfers to any car their insured drives. I wish I had the service you did!