State Farm

I had state farm since Janurary 2015, & from the beginning i knew this was a mistake. I was advised i would have $2, 000 in medical coverage as well as 25/50 & roadside, i paid $304.86 every month for BASIC LIMITED coverage. Every month, I paid through a credit card over the phone to a Vanessa at the State Farm Teresa Gaines office in Clarksville, TN every month. Unfortanelty we had to use our insurance almost a few weeks into having state farm when my fiance was involved in a horrible accident & totaled his truck. We both called state farm & said we have $2, 000 in medical coverage, were told twice by different Representatives that we did, i made my fiance go to the emergency care because he had large knots on his legs from the accident, & we submit the bill for them to pay it. NEVER hear a word, they never paid it and the only reason we found out it wasnt paid was when they sent a collection letter to him a month later. We call state farm back and ask why it was never paid, and were told we do not have medical coverage and never have. My fiancé lost his job because of this( he is a truck driver)and we are stuck. I go to pay my first bill statement since i am new to the insurance company i call them, and was told that it is going to auto draft out of my account, i tell them no i would like to just pay over the phone instead, and was told again that i should call back in a couple of days because they dont want to charge my card twice. Fine. By Monday i had a cancellation letter in my mailbox that says i have 2 days to pay my statement before it is cancelled? I called immediately, and say i told you this would not draft out of my account, that is why i want to call and pay my statement every month, and the woman says to me " well if you think your not going to have the money to pay it again just call us ahead of time so we know you cant pay it". OBVIOUSLY if i am calling you to pay with my debit card i have money on the account. Next month, i call, same thing, i tell them please stop trying to take this money out directly through my account, it will always be denied due to the large amount. Same woman, "well do you have money in your account because that would be the only reason it would deny it", my bank will not authorize something like that without a acccount and rotating number, and i do not give that information to anyone unless it is my employer. After being bullied by this woman twice, i decide i need to seek someone higher, i call Teresa Gaines, and tell her how i was treated and that i do not appreciate being talking to like that, especially when i pay them for a service. She responds to me with no empathy and says she will look into that, and ask me if that is all i wanted. After that i call state farm directly and ask to be transferred to a different agent in the area, they tell me it is up to the agent if they allow me to switch, of course they will not allow that. That is money out of their pockets why would they allow me to switch agents? That is the dumbest thing i have ever heard. So once again I am stuck. Now it is November, i get a bill for state farm that reads $280.48, I was grateful i called over the phone like i do every month and authorize a one time payment for that month, hoorah! UNTIL December i get my pay statement that reads $287.73, i call them and ask why it has increased $7 in just a month and they tell me because a driver reached the age 25 and but my fiance is 27 and im only 24 so neither reached the age and i explain that, that makes no sense and she goes "oh no excuse me i take that back", well idk i have to speak with Vanessa and i will have her call you, so Vanessa calls us and tell us we over paid $7 & that was just a refund, State farm then tells me that if i would like to continue paying over the phone monthly that i will have to pay $287.73 down payment as well as the monthly payment of $287.73, or they need my permission to direct draft out of my account were it will not cost me So i either pay $500+ to continue doing what i have been doing and only authorizing a one time payment monthly and this $287.73 dollars goes into someone's pocket and is never applied to my account or i give you my account and rotating number so that you can debt my account how ever you see fit. I let them know that day i would not sign that piece of paper and i will be looking into a new insurance company. I decide i will go with geico and i go to sign up and see that the accident my fiancé was in, that state farm said he was not at fault, clearly says in his DMV report Accident; At fault, which now explains why he LOST his job.. Thats news to both of us, & we were told differently so now that accident that was suppose to be not at fault is now increasing the insurance rate by almost $100, but i get medical coverage, full coverage, roadside, and all the goodies i could imagine at geico for $7 less then what i am paying for garbage coverage with state farm. So i jump at the chance and get geico immediately, geico told me once i get the email with my policy number go ahead and cancel out state farm and they will also send a cancellation letter, well apparently they did because for the first time since January 2015 state farm deducted $287.73 out of my account literally 45 minutes later with NO AUTHORIZATION, i called them immediately and told them they had no authorization to do that, and was told they auto drafted that out of my account, how? They didnt have a accounting and rotating number and i didnt sign their letter to authorize that, i tell them they need to immediately refund that money to my account and they tell me it will take 5 days to just get a request for a refund. I call my bank region who tells me that it was taking out by the card, so someone ran my card numbers, which means they kept my card information on file unlawfully doing so and my bank tells me there is nothing they can do until it post and the only thing i can do till then is to call state farm back and have them refund it until it post, well after 6 different stories by state farm they decide they arent going to do anything and i have to file a police report with the Clarksville Police after a few days it finally post to my account i am able to dispute the charge, i go into the office branch who tells me " let me guess they took money out of your account without authorization after you purchased geico and they said they auto drafted it out of your account". Funny they would say that, since thats exactly what happened, obviously this has happened multiple times. Anyways i complete all the forms and today i get a response from my bank that tells me "due to friendly draft this would not be considered fraud". There was never a draft, this was not authorized and on top of all of this, YOU PAY A MONTH IN ADVANCE so its not like i owed them any money this is for the month of JANURARY a month that just started. I contacted regions and have given them all the information and they are reopening the Dispute and someone is working 1 on 1 with me to get this resolved. My fiance called State Farm Teresa Gaines office 1/13/16 since they have made no attepmts what so ever to help resolve. He gets a call center rep who tells him they have sent a cancellation check out for $56 dollars. He says no the amount is $287.73 not $56.00 and was placed immediately on hold, then a woman comes on the line that tells my fiancé not to call the 1800statefarm number only Teresa gaines can handle this and was told she would call him back. He then receives a voicemail from TERESA who tells us that we owe her for the month of December and we would not be getting that money refunded. I have a emailed receipt for every month since January 2015 so that is another complete lie told by Teresa Gaines office. I would like my $287.73 back that they fraudulently stole from my debit card, bank account.