I have been with Met Lfe for about 12 years for both my auto and homeowners because they are a preferred provider with my employer. About 3 years ago, my step son changed the address on his licence to my address and at the time was using Mt Lfe as his Auto Insurance carrier. Well 3 months later, my step son cancelled his policy and Met Life took it apon themselves to add him to my policy because his address at the time on his lisence was mine, even though he was not living with me. I call Met life on 2 occasions and asked to have him removed and they said that there was no harm in having him on the policy and my policy was not being rated on him. They could not remove him though. Well 3 years later, bringing us up to current year, I recieved a notice from Met Life that my policy was going to increase by an additional $1,000 because of a change in rating status. When I called Met Life to inquire what this was about, I was surprised to hear that it was because my step son is being rated as an experienced driver on my policy and because he had points against him that I was being rated on those points, causing my policy to increase by $1,000. Next the phone rep told me that I have been paying for him for the last 3 years (at approx $700 per year). I asked what I could do to get him removed from my policy and credited back. Well after several going back and forth with the phone reps, who continuiously had to call underwriting, they were going to let me file and exclusion so that I was not rated and if I could provide proof of residency back to they would credit me back. Well they lied! I spoke to a representative on 07/08 because my step son is only 21 and lives with his mom and does not have any bills in his name, nor alternate auto insurance and I could not get any other proof of residency besides going to the registry and getting proof of address change. The rep was very rude and told me that there was nothing that they could do and just kept saying proof of residency... So I asked him if I went to the registry myself (even though they have access to it) and get proof of address change back in 08, that they would remove him and give me a credit and the rep said yes. So about 1 week later I called back to get the fax number to send the registry documentation to and the woman I spoke to told me that registry receipts are not proof that he did not reside with me and that anyone can change their address at any time... I know that, because that is how this whole thing started! So now I have wasted hours on the phone and of course the rep had to call underwriting again, and the underwriter she spoke to basically said that Met Life is not going to issue me a credit for past years and why am I just coming forward about this now. I told the rep that I had called several times and that she could pull the calls... She said that she could not do that... Go figure because they record the calls. She also told me that there were no notes from the underwiriting dept stating that they would issue a credit nor history of calls made prior to July of this year. Well I cannot help it if the reps don't take notes... The rep seemed more concerned that my step son did not have auto insurance than helping me out. It is not my business to be involved with my step sons afairs and not my problem that he does not have auto insurance. So I said to her basically that I would have to file a suit to get my money back, and all she could say was sorry we are not giving you a credit... All they would do is remove my step sons name going forward if I could provide once again proof of residency. Met Life stole money from me. I never authorized my step son to be added to my plan! They took it apon themselved to add him and then lied to me for 3 years. Met life owes me about $2,000! After my last call with them, I cancelled my policy with them that evening! I am telling everyone I know, not to use them and I have had a couple of friends actually also cancel their policy due to their lack of service and fraudelant activity! Go figure, my new provider was able to give me better coverage and save me $40.00 a month! Better yet, my step son is no listed on my policy and I am not being rating for him!
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