Notice library
Insurance, credit, and consumer disputes
14 notice types from this area, each with its deadline, response options, and sources.
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Auto GAP Insurance Claim Denial Appeal
GAP insurance is purchased by approximately 40% of new vehicle buyers who finance, according to industry estimates. The product covers the difference between the vehicle's actual cash value...
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California Homeowners Insurance Non-Renewal and Rate Increase CDI Dispute
California homeowners insurance premiums are projected to rise 8% in 2026 on top of 8% in 2025, for a cumulative 16% two-year increase. After the January 7, 2025 Palisades and Eaton fires,...
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CareCredit Retroactive Interest CFPB Complaint + Dispute
CareCredit (issued by Synchrony Bank, formerly GE Capital Retail Bank) is a deferred-interest medical credit card accepted at 260,000+ healthcare providers. Promotional periods of 6-24...
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Extended Auto Warranty / VSC Claim Denial Dispute
The FTC charged CarShield and its administrator American Auto Shield with deceptively advertising vehicle service contracts; the $10M settlement resulted in 168,179 refund checks totaling...
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Home Warranty Claim Denial Appeal
The US home warranty market has approximately 5 million active contracts representing $3+ billion in annual premiums. American Home Shield (Frontdoor, Inc.) is the largest provider. Choice...
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Homeowners Insurance Aerial-Imagery Nonrenewal Dispute
Home insurers increasingly use third-party aerial/satellite imagery AI (Cape Analytics, Zesty.ai/ZestyAI, Arturo, Nearmap, EagleView, Cotality/CoreLogic) to assess roof condition and other...
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NFIP Flood Insurance Claim Dispute
Every NFIP policyholder has the right to appeal a claim denial or underpayment to FEMA within 60 days of the insurer's written denial letter, by submitting to...
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Pet Insurance Claim Denial Appeal
Pet insurance carriers deny approximately 5% of submitted claims in the US market, primarily for pre-existing condition exclusions and policy-specific exclusions (breed-specific conditions,...
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Private Student Loan Servicer Notice of Error + CFPB Complaint
The CFPB received approximately 4,500 private student loan complaints from July 2024 to June 2025, the highest volume ever recorded in a single year for private student loans, up roughly...
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SafeRent Solutions FCRA Dispute
CoreLogic SafeRent (now SafeRent Solutions) is used by large apartment complexes and national property management companies to screen tenants. Errors in eviction records, criminal history,...
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Title Insurance Claim Denial Appeal
Title insurance industry paid $336 million in claims in the first half of 2025, compared to $333 million in H1 2024, indicating an active and growing claims market.
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Travel Insurance Claim Denial Appeal
The US travel insurance market reached approximately $4.3 billion in gross written premiums in 2024 (US Travel Insurance Association). The industry covers approximately 55 million Americans...
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Workers' Comp Premium Audit Dispute
Workers' compensation insurance premium audits are conducted by the insurer after every policy period to verify that the employer's actual payroll and employee classifications match what...
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Workers' Compensation Experience Modification Rate (EMR) Dispute
Workers' compensation premiums for most employers are calculated using an Experience Modification Rate (EMR) computed by NCCI (in 38 states) or state-specific rating bureaus (CA WCIRB, NY...