Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
Debt regarding Caine and Weiner collections, on behalf of progressive XXXX XXXX XXXX XXXX attempted to change my rates and added people to my policy without notifying me, stating that their only legal requirement to do this was to send an email, based on a their personal policy. They charged my bank account these new rates without my actual consent. After unsuccessfully attempting to get the situation fixed and have my rates returned to their original price, and after failing to have the money that was stolen from me returned, I canceled my service with them. I reported them for fraud through XXXX XXXX, and had the amount credited back to my account. XXXX XXXX  said at that time that once the despite was finalized, if they decide that it was not fraud, I would be charged the amount again. I received a piece of mail saying that the provisional credit on my account is final, meaning in lesser words that they did infact find progressive guilty of fraud, like we really needed to get the fraud department involved to decide that emailing someone isn't a sufficient way to notify and receive authorization for absolute price gouging insurance rates. Over XXXX for a 2006 jeep liberty worth XXXX? XXXX. XXXX. Immoral. 

They retaliated by sending me a final bill showing the over XXXX amount as redacted or paid, with an additional, roughly XXXX, owed that was never once shown on any quote or monthly statement, or policy 6 month overview. The amount did not exist up until the time of cancelation and retaliation. 

Progressive was very quick to send the fraudulent debt to Caine and Werner, who also have a company policy of 30 days to talk to them, or you owe. Now I'm not sure how they think thats legal, probably got the same shmucks writing their company policies as the other guys, but I'm also very aware that companies break the law constantly under their own policies, as they attempt to literally police their own rules that are not infact laws. Rather than try to work with a stubborn debt collection company about the legality of their own practices, or the legality of the debt entirely, I figured it would be easier for me and better for the world to report them for attempting to acquire a fraudulent debt. I believe that progressive intentionally created this XXXX dollar debt because the debt over XXXX would have been found as fraudulent when Caine and Warner looked into it, before ever deciding to contact me. I don't believe Caine and Warner are intentionally trying to secure a fraudulent debt. But the debt of XXXX dollars that they are trying to collect from me, is fraudulent, and I really don't have time to XXXX around with these people who will just quote company policy as a way to attempt to violate my rights while pretending this debt amount and the one that was already called out as fraud arent related. I already know they will play the " we don't know about that we just know about this and we don't see fraud so gim me gim me '' yeah I'm good on all that XXXX for sure

Company response to consumer: Closed with explanation