A claims representative for Nightflyer Casualty is interviewing an insured about a recent claim. The claims representative tells the insured that he has no coverage because the insured did not report the claim within 24 hours. However, the policy requires only "prompt notification" by the insured. The claims representative's statement might fall into which of the following categories?
a. Discriminatory practices
b. Unfair competition
c. Unfair claims settlement practices
d. Perjury