NY state here. My wife and I changed car insurance several weeks ago. There was no lapse in insurance, we transitioned from Carrier A to Carrier B smoothly. I submitted my Cancellation Notice with Carrier A and confirmed (from them) that they received it and that they flagged my policy with them to expire effective the date the policy switched over to the new carrier.
Several days later, Carrier A made another monthly autowithdrawal from our bank account, when we no longer had a policy with them. I called them and they admitted it was an error on their end, and said it would be several days to get the amount refunded. Several days later, still no refund. I called again, and again they told me it would take a few more days. This cycle has repeated several times since, and it's obvious to me that they have no intention of actually issuing a refund.
The kicker is: we were using a large portion of the withdrawn amount to finance our Christmas this year. Now that's out the window.
I'd like to look into pressing charges against the carrier, because:
- They made the withdrawal (I believe) illegally, after we no longer had a policy with them, and even admitted it
- We've been out a large amount of money (to us, at least) for several weeks now
- There will be significant emotional loss if the funds aren't recovered in time for Christmas
So I ask: can we press charges? If so, for what? How do we even begin this process?