ADP Insurance set up an auto payment for my health account and then proceeded to take out 6 months premiums in two consecutive months in advance! When I called multiple times, I was unable to get a superivsor and they will not give out last names. I was told their policy is to hold ALL transactions at least 20 day even if it is their error( which they admitted) . After multiple phone calls and rediculas hold times I sent registered mail to customer service (almost impossible to get the address), no reply or refund has ever been processed and the account is still paid for 6 months in advance at their whim.