Lori T.

My late husband & I got LibMu back in I think 2002 or 2003. When he died two years ago, LibMu refused to remove his name from the policy. The rep told me I would receive better rates. I didn't care. Every time I tried to remove his name, I was met with aggravation. At one point, I offered to drive an insurance rep out to the cemetery to his niche, as his death certificate didn't seem to do the trick.

I down-sized to another state, 15 miles away from my former town. When I had my license, plates/ registration, and title for my new state, I called LibMu. I was given a lower rate, and told everything looked good by Sharon.

The next day, I received an email bill from LibMu for about $250, to be paid by 6/30. I also received emails and texts every couple of hours, demanding payment. I called and spoke with Dawn. She told me that was for the balance on the old policy, and she would roll it into the new policy.

I still continued to receive texts telling me to pay, now dated as due 7/05. I called and spoke to Amber. Amber told me that the policy could not be rolled over because... THE OTHER PERSON ON THE FIRST POLICY WAS NOT ON THE SECOND POLICY. When I informed her that the other person had died two years ago, and I had tried to remove him repeatedly, all I got was a "yes ma'am."

As LibMu has had repeated problems with removing my deceased husband, as well as problems with a simple direct monthly debit to pay for it, I decided to get another insurance company. WOW. Rates, even with my college-aged daughter, were half of what LibMu was charging me for auto, and 1/10 of what LibMu was charging me for renter's! When I changed, my new insurance company, a reliable and established corporation, sent LibMu a letter on my behalf telling them not to bother me. I sent them a letter on my own, asking exactly what all these bills were suddenly on an automated account that was kept up-to-date on my end, and to put it in writing on paper.

That hasn't stopped LibMu. Every morning, I wake up to another demand email. If I wasn't collecting them for a lawsuit, I would block LibMu. I did block their texts.

Most recently, I was contacted by the "Presidential Department." I know what this "department" is, having worked in customer relations. It's an attempt to keep customers, and if not, to bully them into doing things the way a corporation wants. I called the number, and told the rep that I had *specifically* told LibMu to put it on paper. The rep replied, "Yes, but we're calling you." I replied that putting it on paper meant just that, and mailing it to me meant an envelope with a stamp, addressed to me. I then stated I did not want them calling me, ever again.

So I am emailing local consumer help services, such as at newspapers and television stations. I am contacting the state attorney general (I don't think the BBB does much of anything these days). And I am collecting what has now turned into harassment every morning. Go away, Emu and Doug! Take your "Presidential Department" and sudden, unexplained bills with you!