Daryl’s insurance company charged a closed checking account for a premium on a policy he’d already canceled, then tried to stick him with the bounced check fee.

He dropped an Executive Email Carpet Bomb on the insurance company to wipe away the charges, and now wants to know what he can do to protect himself from future victimization.

He writes:

I used your advice to send an EECB to an auto insurance company when they erroneously charged me a bounced check fee. To summarize, I canceled my renter’s insurance well before the policy renewal date and then switched banks (completely unrelated), closing the old checking account. The insurance company charged my old bank account for the renter’s insurance, which bounced. They then claimed I owed the bounced check fee. While speaking with the insurance company’s customer service department and letting them know I did not owe anything, they sent my matter to collections.

My EECB was a success in that after I placed a call to the insurance company and the collection agency I was told by both that the matter is closed and nothing is owed. But I had to call them to find this out and nothing is in writing (as I requested in my EECB). I still feel wary. What else should I do to protect myself and my credit?

What do you do to safeguard your credit?

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