• Shelby McDaniel

My Dirty Breakup With Geico

Switching insurance companies can be a headache and a half. But dealing with an insurance company that refuses to acknowledge you are no longer a customer is an absolute migraine. As it turns out, dumping Geico was worse than dumping my ex who harassed me until I changed my phone number and deleted several social media accounts.

April 27, 2021

I had been with Geico for nearly two years. But after numerous issues with my policy including their "forgetting" to notify the state of our coverage resulting in us getting mailed a ticket for supposedly having no insurance, I decided it was time to switch. So I made the break and went on my merry way.

May 6, 2021

One month later I received a letter in the mail saying I had not paid my bill for the month. The letter threatened to send me to collections if I did not pay by a certain date. As someone who has worked hard to have a respectable credit score, this struck a chord in me. I called customer service, who acknowledged that I was no longer a customer. I asked to be sent something in writing and was sent an email confirming my cancellation. Satisfied, I went on my way.

June 14, 2021

Apparently, Geico did not get the message that we were no longer an item. I received another letter threatening to send me to collections if I did not pay for the months of June and May. Irritated beyond words, I once again called customer service.

This time, I requested something more than just an email in writing to confirm my cancellation. I was sent a PDF copy of a letter with the following message;

I was assured my policy was canceled and I thanked the rep for her help. Surely this had to be the end of it.

June 19, 2021 - 9AM CST

It is a beautiful morning in Oklahoma. I am drinking coffee and planning my day when I get a phone call. I answer it and immediately fought the urge to fling my "no fox given" coffee mug at the wall in frustration. It was Geico.

The rep gave the whole "we're calling about your June payment" speech while I downed my coffee and wondered if 9 AM was too early for a glass of wine. When she was finished I calmly said that I understood that she was just doing her job and didn't blame her for this ongoing problem, but the harassment needed to stop. I had several forms of writing stating I was no longer a customer and did not owe for May or June. To top it off, I did not appreciate Geico threatening to send me to collections.

While this story may not yet be over, I fully expect to get another phone call or letter from Geico (my money is on both). This "break up" continually gives me deja vu, reminding me of an ex I broke up with who told me "I could learn to love him". He proceeded to blow up my phone, alternating between apologies, compliments, insults, and threats. While Geico may use a more professional tone, threatening to send me to collections in one letter and then sending me an email asking if I would consider doing business with them again gives off the same vibe.


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