Gabrielle B.
Amerisafe is NOT a company to use
Amerisafe is NOT a company to use. When my house went under contract on 2/17/2025 I thought I would be moving from Colorado to North Carolina; my realtor explained that "time was of the essence" and recommended Amerisafe because she said they were the "cheapest." I called Amerisafe and the salesperson, Justin Alvarez, said they could give me a quote over the phone based on the photos of my home on the home sale web site. They said this was how they determined moving costs. The quote they provided seemed reasonable and I said I would call back once the home inspection was done and the sale completely finalized. The sales person said I could not "lock in" the quoted "discounted" priced unless I placed a deposit that day. He told me I would have 78 hours (3.5 days) before my move out date of March 24th to cancel the contract. I put a deposit of $3,453.85 on my Costco CitiBank Card and was assured that my deposit would be refunded if the move did not occur. The home purchase contract fell through on February 22, 2025 and I immediately called Justin to inform him and to request the refund on my deposit of $3,453.85. Justin was not in and I spoke to his "associate" who said he was Justin's room-mate, and would have Justin call me back. Over a 48 hour period I called several times to leave a message with no response. I called Amerisafe again and was referred to a "supervisor" named Kris Bane. He told me that I would NOT be refunded my deposit as I did not call within 72 hours of the contract date of February 20th. I reiterated what Justin had told me, reminded him that I had called immediately after the contract fell through and also that I DID NOT YET RECEIVE A PURCHASE AGREEMENT and that I HAD NOT SIGNED ANY PURCHASE AGREEMENT! Also, since Amerisafe had a recording that said all "conversations are recorded for quality control" he could check my conversation with Justin Alvarez to document the transaction. He yelled and said "WE JUST SAY THAT - WE DON'T RECORD CONVERSATIONS." Then he threatened me, saying that he'd be willing to refund $750.00 of the $3,453.85 as long as I didn't file a complaint with CitiBank, but if I did dispute the charge he would personally make sure that I did not get a refund and then said "We always win." I filed a dispute with CitiBank immediately. On April 14th CitiBank said that since I had moved I had to pay. HOWEVER I DID NOT MOVE!! I took my house off the market and am still at the same address. So I filed another dispute with CitiBank. This time I was told to write a another letter with documentation and send it Certified to the CitiBank Dispute Department. I did and yesterday, June 25, 2025 I received a letter from CitiBank saying that Amerisafe will NOT honor the request from CitiBank for a credit and cannot receive compensation from the merchant, therefore I must pay FOR SERVICES NEVER RECEIVED and those fees will include interest. I have filed a Fraud report and am continuing with the Billing Disputes Department at CitiBank.




