State Farm

In May we sold and installed a beautiful 20xft [redacted] pool for the [redacted] There was no evidence of any ground water problems during installation or throughout that spring-summer-fallIf there had been water problems (anticipated or in evince) we would have dealt with them during the installation through the standard mitigation techniques which are customarily used when needed in the swimming pool industryIn we had installed a beautiful pool in a dry hole.In the spring of 2014, the [redacted] contacted us with their new problem of ground waterWe made a site visit to investigate and assured the [redacted] we would stand behind our pool under our store's one-year warrantyWe replaced the liner and provided installation labor at no cost to themHowever, at that time we advised the homeowners of the steps they should take to protect their property from what seemed to be changes in their ground water patternTaking these steps would avoid future water problems from disturbing their poolThese steps included having a trench dug at the bottom of their slope, filling the trench with stone and perforated pipes and creating a French-drain system to divert the ground water from the pool areaThe homeowners said they would attend to their property's ground water problem and we provided and installed a new liner at no cost to themWe bore the costs entirely.In the [redacted] contacted us with the same pool liner problems caused by ground waterDespite their promise to do so, they had not done the necessary mitigation workMrs [redacted] said they had consulted an engineer who gave them the same advice we had recommendedThey once again needed a new liner which we obtained, charging only our supplier's cost ($1324.66)with no carrying costs or profit addedFor installation they dealt directly with and paid a qualified local installer.I can appreciate this has been a trying time for the [redacted] and we have tried to be as supportive, understanding and generous a possibleIn we gave the [redacted] a new liner and installation for freeIn we provided a new liner at our wholesale cost with no compensation to our storeAnd most importantly, starting back in 2014, we have continued to offer the same advice to the [redacted] on dealing with their ground water changes which were continuing to cause them so much trouble with their new pool

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments belowThe reason for my rejection to the business' response is due to the fact that said business can accept almost a $30,payment for an agreed inground pool, but it is not its responsibility for the pool to function on a year to year basis When the installer was fair warned about a high water table at our property When asked if soil testing should be completed, [redacted] stated that would not be necessary Then who bears the responsibility? I believe the business only assisted in telling me the obvious that the pool was being affected by ground water issues but provided no insight or guidance on who to call to resolve said issues [redacted] the owners' response was " I built you a good pool, its not my fault your yard does not accommodate it, and I have built pools near rivers and have never seen anything like this happen before" So a consumer is supposed to pay for a product and not expect it to work properly??? I needed to be guided and completely assisted with this dilemma, but was not The extra liner and repairs I feel were not my fault either and would have been completely avoided if the pool company had been more diligent and took our concerns seriously about our back yard water table levelThe last time I had contact with [redacted] he stated " I don't know what to tell you, you will have to figure your yard problem out on your own Let me know when that happens and we can reinstall the liner and make repairs at your cost When asked why he would not cover said repairs, he stated I at this point have not made any money on your job, you can't expect me to cover the cost of the repairs".Again in closing the hardship and frustration and anxiety were enormous, as a business owner he should stand behind his product, not accept the money until both parties were completely satisfied, for which I was not Pools should last more than one season, and he should have taken better measures to help in solving my problem, for I am not a pool installer professional Regards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments belowFirst and foremost I disagree with quite a few details that C&S Pools, Incaddressed The first statement made about being no evidence of initial ground water problems is false When [redacted] first came out to see our property he was fully informed by my husband and I that the backyard had a very high water table, for that reason we have a walkout basement Also, the pool did not get installed in May of as stated, that date pertains to when we signed the pool install agreement As homeowners we ran into city permit issues in which delayed the ability to have the pool built I had to obtain a variance through my town which took months to attain The actual pool permit was only issued on 9/16/2013, the pool hole was excavated at that time Its reasonable to think that our backyard was dry at this time because excavation was done after the hot/dry summer season How could they have seen no water issues in spring or summer since nothing was disturbed or excavated at that time Secondly, as far as ground water changes the only disturbance to the existing yard was now a new pool in the middle of the yard [redacted] at the initial consultation was told that we already had a foot deep [redacted] drain system in place around the perimeter of the yard prior to the pool being installed In the Spring of he did say that perhaps $ feet deep was not enough We proceeded in June of to install at our cost a second [redacted] drain system via a contractor that was now feet down and around the entire perimeter of the pool area This work was all completed prior to applying the cement apron around the existing pool This is why the pool was only repaired in July of For him to say we did not do the necessary mitigation work on our part is an outright lie Thirdly, an engineer by the name of [redacted] ***, from East Providence, RI was contacted on our behalf by me Not from any advisement or assistance from the pool company or its owner [redacted] It was a very laborious effort in finding the correct individual to deal with this pool issue I contacted him in Sept of to seek advisement so that we would not encounter the same ground water issues for the Spring of On Sept 4, he conducted a site visit and stated that the dual [redacted] drain system was working correctly and the only addition would be to add a sump pump in the drainage manhole My husband in October of installed said sump pump as advised The engineer did state that the pool contractor should have taken the information we provided him under serious advisement, whether or not he saw water when pool hole was dug, he still should have done the standard mitigation techniques regardless For the simple fact that in September of course it was dry following the hot summer season, which it usually is Lastly, the reason for my requesting of the refund is that I believe my backyard pool issue was unique to some point But had it not been for my persistence and determination I would not have gotten my pool issue resolved [redacted] stated to me that his company installs pools all the time and that this was a rare set of circumstances and that he was not sure how to fix the problem after the second liner was ruined He left my husband and I to figure it out on our own, offering no insight or resources to pursue After this ordeal, I feel he was negligent and should have done better by us, if the tables were turned and this was his problematic pool how would he have felt? I am not requesting an entire pool refund, just last years' liner & install costs When someone wants a pool on their property they do not expect it to only function for one season That was what we were left with, if not for my relentlessness Thank You for your time Regards, [redacted]

Since the last response from *** the counter tops are installed the kitchen plumbing is done, the hot water in the master shower is restored, the wand for the hand held has been installedThe existing bath floor tile has been done and plumbing reworked.Tile has been installed on the kitchen back splash, a new amp meter has been installedWe are down to the last few items which are scheduled for next week
Just one note. *** schedules all the workers, and visits the job site regularly as needed and may not always see ***I myself do not need to visit but I always stop by all of my jobs occasionally to take photos and the homeowners don't always see me
I'm hoping *** and *** will be happy with the final result
Thanks
***

From: *** *** [***]sent: Monday, July 20, 10:AMTo: '*** ***'CC: '*** ***'Subject: RE: Complaint with Revdex.com Hi ***, I don't know how you expect me to finish the counter tops when they were a weekorder and you knew this,
*** said they should arrive this week and if they do he will install right away, I did you a favor by installing one bathroom at a time so you would always have abathroom, you have not been long moved into your new bathroom of which you made a lot ofchanges, we should be able to do the other bathroom next week, filing complaints everywheredoes not help the situation, I want to finish as soon as possible so I can get paid, I havealready incurred a lot of extra cost because of changes you have made, please be patient alittle longer and it will be completed !!-----Original Message-----From: *** *** [mailto:***]Sent: Monday, July 20, 9:AMTo: ***Subject: Complaint with Revdex.comjust to give you a heads up - just filed a complaint with the Revdex.com - Cityof Anaheim, Planning Department is next on the list - will schedule an appointment with themto see what needs to be done to get this project completed and signed off. Att *** ***My Brother *** responded to *** shown above, we are workingon her project as I writeThere has been a lot of delayswith cabinets, kitchen sink, bathroom faucets, but all this seemsto have been worked outIts unfortunate that the communicationbroke down but as *** said in his response, it will becompletedThe big delays are behind usIf needed I canput together a full rundown of how the job moved forwardfrom drawings to PresentAnd why some of the delays were beyond our controlWe have been in business over3yrs and always have finished our jobs. Sincerely *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am fully aware of the problems involved and want them resolved I can see no logical explanation or reason why there is such an extended period of time between things getting done You say the one bathroom is done, IT IS NOT DONE - items still to be done on the project in that bathroom only are: air vent installed, bar that holds shower wand needs to be installed, need to find out why we have no hot water in shower (it's lukewarm at best), the vanity has not been set and no lights have been installed If someone would come to job site, they would know this - *** has not been there for quite some time and *** has not been on the job site at all, so I'm not sure how either would know what was, or was not done Very disappointed that on Saturday they delivered and installed the countertops and ***, or even a representative was NOT there I'm more than willing to work with them to resolve these issues A single phone call would do a lot towards pointing these problems in the right direction We have been placed on the back burner long enough - put someone else there for a while - we are tired of waiting
Regards,
*** ***

We are sorry the *** are dissatisfied but we have tried our best to please them over the past yearsIn we installed a strong pool in a dry hole that showed no evidence of groundwater problemsThe following year we stood behind our work and replaced the pool liner for freeWe also did the liner installation for freeThe next year (2015) we obtained a new liner at manufacturer's cost for the ***All along we have tried to be as supportive as possible, made site visits whenever called upon, and offered our best advice (based on years of installation experience) to help them solve their problemsHowever, we do not claim to be engineers, so it was appropriate that the *** finally sought engineering adviceGroundwater issues can be trickyConstruction changes in properties uphill from the *** can cause hidden problems to emergeUltimately it IS the homeowner's responsibility to be vigilant and persistent in maintaining and protecting their property

State Farm Insurance
5pt;">Assateague DrSuite
Jessup, MD ***(p)
###-###-#### (f)
01/11/
RefID *** ***
Dear Revdex.com,
I take every policy holder complaint very seriously and this is the first for our officeThe insured’s started their policy online and didn’t fill out all material facts about driving records so the auto policy had to be cancelled due to driving recordsThe Auto policy ended after days after the start date of 10/01/and all that was charge was the first month's payment for coverage of the daysThere was no more bills nor any charges sent out for the carThe Renters insurance was continued for one more month as they requested however it ended for non-payment after no payment was received for the renters insuranceThey owe State Farm no additional money and we do not report anything to credit boroughsCoverage just ends if no payment is receivedI make it a point to return every call I receive and also call back folks when I say I’m going toMy team is here to assist with anything service related and do a fantastic job if I’m not available due to client meetings
Thanks,
Agent Steve S***
***

First time submitting a review, but feel that this company was above even our standardsProfessional, honest, tremendously committed to customers satisfactionTo the cent with the estimate they providedFurnace room was cleaner than when they started, when they were finishedWould not hesitate to recommend and would hire again in a minuteThey will be our go to if any work in their realm needs to be done in our home

*** *** *** *** *** ***
*** ***
*** *** *** *** *** ** *** **
*** *** ***
Hello,Thanks for the responseThe issue has been resolvedThank you anyways.*** ***

In May we sold and installed a beautiful 20xft *** pool for the ***There was no evidence of any ground water problems during installation or throughout that spring-summer-fallIf there had been water problems (anticipated or in evince) we would have dealt with them during the
installation through the standard mitigation techniques which are customarily used when needed in the swimming pool industryIn we had installed a beautiful pool in a dry hole.In the spring of 2014, the *** contacted us with their new problem of ground waterWe made a site visit to investigate and assured the *** we would stand behind our pool under our store's one-year warrantyWe replaced the liner and provided installation labor at no cost to themHowever, at that time we advised the homeowners of the steps they should take to protect their property from what seemed to be changes in their ground water patternTaking these steps would avoid future water problems from disturbing their poolThese steps included having a trench dug at the bottom of their slope, filling the trench with stone and perforated pipes and creating a French-drain system to divert the ground water from the pool areaThe homeowners said they would attend to their property's ground water problem and we provided and installed a new liner at no cost to themWe bore the costs entirely.In the *** contacted us with the same pool liner problems caused by ground waterDespite their promise to do so, they had not done the necessary mitigation workMrs*** said they had consulted an engineer who gave them the same advice we had recommendedThey once again needed a new liner which we obtained, charging only our supplier's cost ($1324.66)with no carrying costs or profit addedFor installation they dealt directly with and paid a qualified local installer.I can appreciate this has been a trying time for the *** and we have tried to be as supportive, understanding and generous a possibleIn we gave the *** a new liner and installation for freeIn we provided a new liner at our wholesale cost with no compensation to our storeAnd most importantly, starting back in 2014, we have continued to offer the same advice to the *** on dealing with their ground water changes which were continuing to cause them so much trouble with their new pool

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments belowThe reason for my rejection to the business' response is due to the fact that said business can accept almost a $30,000.00 payment for an agreed inground pool, but it is not its responsibility for the pool to function on a year to year basis.  When the installer was fair warned about a high water table at our property.  When asked if soil testing should be completed, [redacted] stated that would not be necessary.  Then who bears the responsibility?  I believe the business only assisted in telling me the obvious that the pool was being affected by ground water issues but provided no insight or guidance on who to call to resolve said issues.  [redacted] the owners' response was " I built you a good pool, its not my fault your yard does not accommodate it, and I have built pools near rivers and have never seen anything like this happen before".  So a consumer is supposed to pay for a product and not expect it to work properly???  I needed to be guided and completely assisted with this dilemma, but was not.  The extra liner and repairs I feel were not my fault either and would have been completely avoided if the pool company had been more diligent and took our concerns seriously about our back yard water table level. The last time I had contact with [redacted] he stated " I don't know what to tell you, you will have to figure your yard problem out on your own.  Let me know when that happens and we can reinstall the liner and make repairs at your cost.  When asked why he would not cover said repairs, he stated I at this point have not made any money on your job, you can't expect me to cover the cost of the repairs".Again in closing the hardship and frustration and anxiety were enormous, as a business owner he should stand behind his product, not accept the money until both parties were completely satisfied, for which I was not.  Pools should last more than one season, and he should have taken better measures to help in solving my problem, for I am not a pool installer professional.
Regards,
[redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. First and foremost I disagree with quite a few details that C&S Pools, Inc. addressed.  The first statement made about being no evidence of initial ground water problems is false.  When [redacted] first came out to see our property he was fully informed by my husband and I that the backyard had a very high water table, for that reason we have a walkout basement.  Also, the pool did not get installed in May of 2013 as stated, that date pertains to when we signed the pool install agreement.  As homeowners we ran into city permit issues in which delayed the ability to have the pool built.  I had to obtain a variance through my town which took months to attain.  The actual pool permit was only issued on 9/16/2013, the pool hole was excavated at that time.  Its reasonable to think that our backyard was dry at this time because excavation was done after the hot/dry summer season.  How could they have seen no water issues in spring or summer since nothing was disturbed or excavated at that time.  Secondly, as far as ground water changes the only disturbance to the existing yard was now a new pool in the middle of the yard.  [redacted] at the initial consultation was told that we already had a 4 foot deep [redacted] drain system in place around the perimeter of the yard prior to the pool being installed.  In the Spring of 2014 he did say that perhaps $ feet deep was not enough.  We proceeded in June of 2014 to install at our cost a second [redacted] drain system via a contractor that was now 8 feet down and around the entire perimeter of the pool area.  This work was all completed prior to applying the cement apron around the existing pool.  This is why the pool was only repaired in July of 2014.  For him to say we did not do the necessary mitigation work on our part is an outright lie.  Thirdly, an engineer by the name of [redacted] [redacted], from East Providence, RI 02914 was contacted on our behalf by me.  Not from any advisement or assistance from the pool company or its owner [redacted].  It was a very laborious effort in finding the correct individual to deal with this pool issue.  I contacted him in Sept of 2015 to seek advisement so that we would not encounter the same ground water issues for the Spring of 2016.  On Sept 4, 2015 he conducted a site visit and stated that the dual [redacted] drain system was working correctly and the only addition would be to add a sump pump in the drainage manhole.  My husband in October of 2015 installed said sump pump as advised.  The engineer did state that the pool contractor should have taken the information we provided him under serious advisement, whether or not he saw water when pool hole was dug, he still should have done the standard mitigation techniques regardless.  For the simple fact that in September of course it was dry following the hot summer season, which it usually is.  Lastly, the reason for my requesting of the refund is that I believe my backyard pool issue was unique to some point.  But had it not been for my persistence and determination I would not have gotten my pool issue resolved.  [redacted] stated to me that his company installs pools all the time and that this was a rare set of circumstances and that he was not sure how to fix the problem after the second liner was ruined.  He left my husband and I to figure it out on our own, offering no insight or resources to pursue.  After this ordeal, I feel he was negligent and should have done better by us, if the tables were turned and this was his problematic pool how would he have felt?  I am not requesting an entire pool refund, just last years' liner & install costs.  When someone wants a pool on their property they do not expect it to only function for one season.  That was what we were left with, if not for my relentlessness.   Thank You for your time.    
Regards,
[redacted]

From: James A[redacted] <[redacted]@statefarm.com>Date: Sun, Sep 6, 2015 at 3:39 AMSubject: COMPLAINT #[redacted] - [redacted] - RESPONSE FROM JAMES A[redacted]To: "[redacted]@myRevdex.com.org" <[redacted]@myRevdex.com.org>In light of [redacted]’s Complaint (# [redacted]) with the Better...

Business Bureau, I have reviewed the notes regarding the two filed claims that were mentioned.  I have included my response and my findings this letter. First, my response.         AGENT JAMES A[redacted]’S RESPONSE:As an Insurance Professional in the State of Maryland for 14 years, I have strived to be straight forward and transparent when it comes to the policies that I have sold and continue to sale on behalf of State Farm. State Farm provides Insurance Policies that are designed to indemnify a customer for a covered loss.  The Renters’ Insurance policies that I sell as an Agent for State Farm have certain exclusions and are subject to deductibles.  This is a standard industry practice.  Both the deductibles and exclusions are noted and published in paperwork that is sent after the initial purchase of the policy and at each renewal period. Prior to claim submission, our office is also available to discuss any questions or concerns regarding general coverage details. Please find my findings:FINDINGS       [redacted] spoke of two incidents that led her to file claims with State Farm on her Renters Policy.The first incident that was alluded to, was the tree that fell on her residence. This incident occurred on February 12, 2015 and was recorded with State Farm under claim # CLAIM # [redacted]. This claim was closed without a payout. To get further information, Mr[redacted] should refer to the adjuster who worked the case or review any correspondence received regarding the Claim’s Decision not to pay out.  The phone number to be called is ###-###-####.        The second incident occurred on July 22, 2015. This incident was recorded under claim # [redacted]. In this incident, the notes indicate that water seeped through the walls of the residence causing damage to content stored in the basement.  To date this claim is still open without any payout. Because the claim is still open, any questions that [redacted] has regarding the status of this claim should be directed to the Claims Adjuster assigned to this case. The assigned adjuster can be reached at ###-###-####. When calling, [redacted] should refer to the aforementioned claim #[redacted].        CLOSING        The Agency and I are here to assist and serve all of our policyholders with understanding and utilizing their Insurance Policies. However, our clients must understand that their policies are subject to guidelines set forth in the policy language.  Our office cannot overturn or override those guidelines.

my problem is that this ofice could never get my payment correct and office staff [redacted] made a nasty and rude statement to me . My credit card was stolen in Dec 2014 and I recieved the new card in Jan 2014 from Jan to April my new credit card number was not update in the system by this agency( so I would have to call to see why my insurance was in cancellation) but I paided the bill every month with the new credit card. When I question about payment Tre said under his breath " it not my fault" so I asked who Fault was it? if you can not get the credit number in the system correct. The car insurance was to be taken out on the 15th of each month and the home owners was to be taken out of the last day of the month. After tree made this statement asked to speak with [redacted] he said he will call me back.( now I have asked for him to call me back before but he never did). [redacted] called as if I did something wrong and not his agent and he said I am tranferring you to another agent. He did but he just tranfered me to another agency. Onthe april 8 I spoke with [redacted] at corp office , she told me that someone would call me concerning this complaint in 3 to 5 days. I received a letter dated 04192015. Also the agency does not do there job and I have used them before and never had this type of problem.Account_Number: XXX XXXX- [redacted]Desired SettlementI feel a written apology and some type of compustion should be due me for this inconvience and poor service by this agency. if he did not want my business just say so not miss treat me...Business Response Thank you for the opportunity to respond to Mr. [redacted] complaint. Mr. [redacted] has been a client for my agency for a few years. We have always had a good working relationship. His policy has cancelled several times for non-payment of premium during our time working together. But due to our past working relationship we would re-write the policy in attempt to assist him. In recent months Mr. [redacted] began to blame us for his premium not being paid on time. After reviewing his file and the numerous times we have had non-payment or late payment issues with Mr. [redacted] we decided he would be better served to work with an agency that was closer to where he lived so he would have the convenience of walking into the office to make payments or discuss other payment options for his insurance. So after this last non payment issue his policies were transferred to another agency.

PAID FOR 2 MONTHS CAR INSURANCE AND CANCELLED AFTER THE FIRST MONTH. I WAS ONLY REFUNDED A PORTION OF THE SECOND MONTH'S PAYMENT.I STARTED MY CAR INSURANCE POLICY ON 7/6/13. I PAID 319.22 WHICH FROM WHAT WAS EXPLAINED TO ME AS MY FIRST 2 MONTHS PAYMENTS. ON 8/1/13 I CALLED AND SPOKE WITH [redacted] TO CANCEL MY POLICY WITH STATE FARM ON 8/6/13 BECAUSE I FOUND CHEAPER CAR INSURANCE WITH ANOTHER COMPANY. ABOUT A WEEK LATER, I WAS MAILED A CHECK IN THE AMOUNT OF $60.17. I CALLED MY STATE FARM OFFICE BACK ON 8/7/13 TO INQUIRE WHY I WASN'T REFUNDED THE FULL PAYMENT AMOUNT FOR THE SECOND MONTH. THE LADY I SPOKE WITH THOUGHT THAT I CANCELLED BEFORE MY CYCLE DATE AND THAT MAYBE THERE WERE PRORATED FEES FOR THAT, BUT AFTER I IINFORMED HER THAT I SPECIFICALLY HAD THE POLICY CANCELLED RIGHT AT THE 1 MTH MARK WHICH SHOULD HAVE BEEN COVERED WITH MY FIRST MONTH'S PAYMENT, SHE TOLD ME THAT SOMEONE BY THE NAME OF [redacted] WOULD HAVE TO CALL ME BACK. AFTER NO CALLBACK I FOLLOWED UP WITH THE LOCAL OFFICE ON 8/9 AND GOT THROUGH TO [redacted]. SHE GAVE ME THE EXPLAINATION THAT FEES WERE TAKEN OUT FOR JULY. AND SENSE SHE HAD ALREADY TOLD ME THAT THERE WERE NO PENALTY FEES FOR EARLY CANCELLATION, I COULDN'T IMAGINE WHAT OTHER FEES NEEDED TO BE DEDUCTED FROM MY REFUND. AFTER GOING AROUND AND AROUND WITH HER, I ASKED HER IF SHE COULD TELL ME WHAT MY POLICY SPECIFICALLY STATED IN THE CONTRACT, SINCE THEY NEVER SENT ME THE ACTUAL CONTRACT, AND SHE SAID SHE DIDN'T HAVE ACCESS TO SEEING IT. SO I HUNG UP WITH HER AND CALLED THE STATE FARM CUSTOMER SERVICE TO SEE IF I COULD FIND OUT WHAT THE GENERAL CANCELLATION POLICY WAS. I SPOKE WITH [redacted] AND HE TOLD ME THAT ASIDE FROM PRORATED FEES WHEN CANCELLING IN THE MIDDLE OF THE MONTH, HE WASN'T SURE AND THAT MY LOCAL OFFICE SHOULD HAVE BEEN ABLE TO EXPLAIN WHY THEY DIDN'T REFUND MY SECOND MONTH PAYMENT TO ME ENTIRELY. HE THEN WENT ON TO SAY THAT ISSUES SUCH AS REFUNDS AND PAYMENTS ARE NORMALLY HANDLED AT THE LOCAL OFFICE LEVEL BECAUSE THEY HAVE ACCESS TO SEEING THE CONTRACT AGREEMENT. I TOLD HIM OF THE CONVERSATION I HAD WITH [redacted] AND HER STATEMENT OF NOT HAVING ACCESS TO MY CONTRACT AND THE FACT THAT THEY NEVER SENT ME THE A COPY OF MY CONTRACT. HE INSISTED THAT THEY SHOULD HAVE AND ALTHOUGH HE WAS APOLOGETIC ABOUT THE ISSUE, HE WASN'T GOING TO BE ABLE TO HELP OUT WITH THE MATTER.Desired SettlementI WOULD LIKE REIMBURSEMENT OF THE REMAINING $99.44 THAT I PAID, SINCE I CANCELLED AT THE END OF MY FIRST MONTH CYCLE.Business Response This is in response to the complaint filed by [redacted]. There are times when customers will purchase auto insurance just to be able to drive a vehicle off the car lot or to satisfy a no insurance citation attached to a moving violation or accident with the intent to cancel it as soon as its no longer required. However State Farm still incurs expenses with the underwriting, servicing and issuing of that auto policy. I am not saying this is what [redacted] did. However, in an effort to defer some of that expanse State Farm used what we called short rating. Which meant if a policy was cancelled within the first six months of the first policy period the extra months premium collected at the time of application was not returned. This was the reason [redacted] did not recieve a refund when she cancelled her policy exactly one month after it was written. Thank you for the opportunnity to respond to this complaint. Sincerely,[redacted]AgentState Farm Insurance