Get a pet insurer's $359 'earned premium' collections threat settled at $118 by escalating to the state regulator with Claude
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- by Dimitri Sudomoin (personal blog)
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Evidence: Described by posterThe person describes what happened in words, without screenshots or video.
Outcome
After two pet insurance policies lapsed, Dimitri Sudomoin was billed $359 in 'earned premium' and spent two months being threatened with collections. Weeks of emails with the insurer's customer team got nowhere and a supervisor closed the thread saying they had gone as far as they could. With Claude planning the campaign, Sudomoin filed a complaint with the insurer's home-state regulator in New York and emailed two of its executives. The insurer folded in three and a half hours: the bill was settled at $118 as a 'special exception', with a written promise that nothing ever went to a credit bureau.
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Prompt Recreated prompt
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Before you start, ask me 1–3 short questions about anything important that's missing below. Keep them quick. Then do the task, checking in with me at the key points. Goal: Escalate a billing dispute that customer service has refused to fix, using the regulator and senior contacts. What I can give you (ask for whatever's missing): - The bills and the correspondence so far: [ATTACH] - Company name and where it's based or licensed: [COMPANY] - What I think I actually owe and why: [DETAILS] You're not my lawyer. Stick to facts I give you, label any rule you mention as something to check against the official source, and keep the tone firm but polite. Rules: - Work out which regulator oversees this company and how to file a complaint there. - Draft the regulator complaint: short, factual, dated, with the timeline attached. - Find appropriate senior contacts and draft a brief, polite email to them. - Lay out what to do next depending on how they respond. - Show me everything before it's sent. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. Output: A regulator complaint, an executive email and a short plan for each possible reply. You'll know it worked when: the company corrects the bill in writing and confirms nothing goes to collections.
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The bills and the correspondence so far
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Before you start, ask me 1–3 short questions about anything important that's missing below. Keep them quick. Then do the task, checking in with me at the key points. Goal: Escalate a billing dispute that customer service has refused to fix, using the regulator and senior contacts. What I can give you (ask for whatever's missing): - The bills and the correspondence so far: [ATTACH] - Company name and where it's based or licensed: [COMPANY] - What I think I actually owe and why: [DETAILS] You're not my lawyer. Stick to facts I give you, label any rule you mention as something to check against the official source, and keep the tone firm but polite. Rules: - Work out which regulator oversees this company and how to file a complaint there. - Draft the regulator complaint: short, factual, dated, with the timeline attached. - Find appropriate senior contacts and draft a brief, polite email to them. - Lay out what to do next depending on how they respond. - Show me everything before it's sent. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. Output: A regulator complaint, an executive email and a short plan for each possible reply. You'll know it worked when: the company corrects the bill in writing and confirms nothing goes to collections.
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Before you start, ask me 1–3 short questions about anything important that's missing below. Keep them quick. Then do the task, checking in with me at the key points. Goal: Escalate a billing dispute that customer service has refused to fix, using the regulator and senior contacts. What I can give you (ask for whatever's missing): - The bills and the correspondence so far: [ATTACH] - Company name and where it's based or licensed: [COMPANY] - What I think I actually owe and why: [DETAILS] You're not my lawyer. Stick to facts I give you, label any rule you mention as something to check against the official source, and keep the tone firm but polite. Rules: - Work out which regulator oversees this company and how to file a complaint there. - Draft the regulator complaint: short, factual, dated, with the timeline attached. - Find appropriate senior contacts and draft a brief, polite email to them. - Lay out what to do next depending on how they respond. - Show me everything before it's sent. - Check facts that can change (prices, opening hours, dates, availability, rules) against the official source, and tell me anything you couldn't verify. - Ask them to confirm in writing that nothing has been or will be reported to a credit bureau. Output: A regulator complaint, an executive email and a short plan for each possible reply. You'll know it worked when: the company corrects the bill in writing and confirms nothing goes to collections. Before you finish: re-read my goal and constraints, check your answer against each one, and list anything you assumed or couldn't confirm.
Source
https://www.sudomoin.com/p/consumer-claims
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