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Although Progressive rates seemed very competitive for what I needed, they were not able to assist me with SR-22 coverage. For that reason, I had to leave them. They were very easy to communicate with, via email, mail or calls. I think they offer a great service for the price - however, I think that extending services will draw people in (or back, in my case) and increase the number of insured they carry.
Wells Fargo Dealer Services purchased/acquired my car loan from WFS in the middle of my loan terms. Although the terms of my loan remained the same, Wells Fargo was willing to work with me outside those terms when I went through my divorce and needed to lower my payment. The customer service rep on the phone was able to get my loan extended to reduce my payments by approximately $50 per month! She was able to instantly email me all forms/applications I needed to sign and return. Knowing I may not have my own scanner, she gave me the option of mail, fax, and email to return them. I have not had a single complaint with them. They work with their customers during a time of need - and that speaks louder than words.
Copper State (CS) Bank is incredible. They offer (fairly) large amounts of cash bonuses for opening a checking account with them - the average new accountholder can earn up to, or more than, $100. On top of that, CS Bank continually offers referral bonuses - there is no limit to the extra income potential. Their customer service via toll-free is not always great, however they are open 7 days a week for extended hours on all days. If you can't reach someone via phone (as what happened to me when I locked my card when I forgot my PIN number), then you can simply drive to a branch, which sometimes feels like they are open ONLY for you, and fix the problem. In my case, they could not unlock my card, but they were able to let me withdraw funds to return to the store I had left and complete my purchase. When I had to change my legal name from married to maiden, there was a mistake that caused checks to be written off of what was supposed to be a closed account - this caused over $600 in overdraft fees. I walked in to the branch, ready to fight, with every document I had supporting the fact that the error was theirs. If anyone has tried to do this to a large chain bank, then you are aware how impossible it is to win that war. At CS Bank, I explained what happened and had a full refund in a matter of 20 minutes. On top of that, I did not even have open my book of evidence ONCE! I'm in love - with a bank!
Although State Farm is recognized for being a well balanced, high quality insurance - I feel that they land in the middle. I was impressed with how quickly they helped with claims. They even worked on a temporary SR-22 coverage for me, even though it is not a typical coverage they offer. Customer service during business hours is spectacular. After the average business day has drawn to a close, then the problems start. There is only a messaging service - no way to reach an actual agent at any point. No matter how urgent your need is. My life is consumed by work, so I had to leave State Farm for a company that could offer "after-hours" customer service.
Although Geico is not the absolute rock bottom on prices, they were able to cover me at full coverage, low deductibles and SR-22 within the same price range as State Farm. The benefit being their 24 hour customer service. I can't explain how frustrating it was to call State Farm and get an answering service. At Geico, the person who answers, helps. If I only have time to call regarding proof of coverage at 10 o'clock at night, then that's when they can help me. No messages, no waiting. I also feel that they do an exceptional job with general questions & quotes - whether it is via phone or internet inquiry.
Although U.S. Bank is not my highest ranking bank due to experience, they rate average for me. The customer service was good, there was nothing great - we would frequently have to wait up to 24 hours for an answer to resolve a problem. I did like their extended hours on Saturday at my local branch. There are other banks I've worked with that were better but for a good, steady bank - they are average.
I was with 5/3 for years because I didn't know better. I was charmed by the idea of a "Goal Setters" savings account. However, the chronic problems with my checking account were unbearable. I particularly was disappointed on multiple occasions by how they would post the LARGEST pending withdrawal from your available balance and would then deduct the multiple of smaller ones - this would lead to 10 overdraft fees on debits of $10 or less, rather than one overdraft fee on a debit of $300 (for example). I was part of the class action settlement against them for that practice and received some reimbursement. However, the actual customer service, either through the toll free number or in person, was inexplicably horrendous. For some reason, no one could ever explain the same process within the same definitions. Hate is about the only word that comes to mind when I think about Fifth Third Bank.