21st Century Insurance

Review: My policy renewal is due, and I have noticed that are increasing my price ... which did not make sense for following reasons:

1) I have not had any accident reported

2) Since I have had moved from another country and did not have driving history in US ... I was paying high premium and as I am completing 18 months with them I would expect rates to go lower

instead I'm being told that following would have had impacted the rate increase:

1) I since I grew from 32 to 33 that it could be the reason, (I'm not going to stop growing old ... I wish I could)

2) Since I was involved in an accident, which was not due to my fault could have had an impact.

I was advised considering a re-quote, that may get the price lower. That turned out to be even worst experience. The representative asked me to provide my wife's details to which I told them she does not drive and does not have valid drivers license (all she has learners permit), moreover she is not on my policy right now then why do you need it. I'm told and I quote " If the agent is requesting your wife's information for a quote you must provide it. That would be her name, date of birth, and permit number." this is just another way for them to increase my premium as she does not have driving history. When I asked where does it say on your website or any correspondence this is what I've been told "Our underwriting guidelines are not published to our customers." "As an agent for 21st Century it is up to me to advise you of what it required to have a policy with 21st Century."Desired Settlement: 1) I want them to explain the increase.

2) And they should re adjust price based on driving history.

Business

Response:

Case: [redacted] To Whom It May Concern: Thank you for notifying 21st Century of the concerns presented to the Revdex.com. We appreciate the opportunity to respond to this inquiry. Our records reflect that the renewal policy experienced a premium decrease over the prior term. We regret that this information was not clearly communicated to our customer. Upon review of our policyholder’s interaction with our sales department, we wish to apologize for their unfavorable experience. We acknowledge that his wife maintains a learner’s permit, and therefore does not need to be included as an operator on the policy. As an insurer, it is always our intention to provide excellent service. We appreciate our customer’s feedback concerning the difficulties experienced. We thank you for your time and attention, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

Review: I went to get an auto insurance quote on my car. My wife already has a policy with them, for about 1 1/2 yrs, since I have a conditional drivers license they are dropping my wife too. This was going to be a different policy and didn't have anything to do with my wifes policy.Desired Settlement: For my wife to be able to keep her policy or else we will get an attorney and sue!

Business

Response:

Case: 199951 To Whom It May Concern:Thank you for notifying 21st Century of the concerns presented to the Revdex.com. We appreciate the opportunity to respond to this inquiry. As an insurer, it is always our intention to provide excellent service to our policyholders, and we regret the difficulties that the customer experienced. According to our records, the named insured called our office for the purpose of adding her husband and his vehicle to the policy. During this call, the insured disclosed that her husband maintained a conditional driver’s license. The insured’s husband was added to the policy. Upon underwriting consideration and in accordance with our company guidelines, which require that all insured drivers maintain a fully valid U.S. driver’s license, the policy was set to non-renew. The insureds may be eligible for automobile insurance through another insurer or under their state Automobile Insurance Plan. We thank you for your time and attention, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

Review: I called to request a car insurance quote and some body by the name of John answered my call. He told me that my quote was high because my credit score was 690. I have NEVER authorized him to run my credit report or anybody else. he told me that there is a recording but there was none recording. I requested to speak with his supervisor and he just hang up on me.Desired Settlement: I want an apology and a letter stating that my credit report was NEVER run. Otherwise I will look for legal assistance.

Thank you.

Business

Response:

Dear Customer,

We reviewed your file and sent a written response to you.

We appreciate the opportunity to review this concern for you. Please let us know if you have any followup questions.

Best Regards,

Representative

Review: 21st Century added a driver to my policy against my wishes when I called for a quote. My daughter is at College, and they knew about her when I took out the policy. I told them she was not a licensed driver yet and she would use the car to get a license, then she want to College. Now she wants to use my car for a summer job and I have decided to consider letting her, so I asked what it would cost to add her to my policy and 21st Century gave me a quote that was too high. I found a better price elsewhere and so 21st Century decided on their own to add her to that last month of my coverage even though she is not at home, not allowed to drive my car yet. There were just a few days left on the policy and they added her for a full month. This is not right. They actually told me that I would have to add every person that lives in my house to my policy even if they have their own cars/insurance.. because they "might" drive my car. I am disputing this, it is not fair that they can do this to people.Desired Settlement: remove this charge from my bill. It is not fair to do this just because I have a new driver in my home and was seeking a quote for future insurance.

Business

Response:

Thank you for allowing me the opportunity to respond to our former customer's concern.

When the policy was initiated on February 8, 2013, we were advised that her daughter had a learner's permit and was not yet licensed. She was not required to add her daughter until she obtained her driver's license. She did not call us to add her daughter when her daughter received her driver's license.

She called our office on January 20,2014 and advised us that her daugher obtained her license and is the only driver of the insured vehicle. She also advised us that her daughter was away in college at that time. As per our guidelines, her daughter was added to the policy effective the day after her call, January 21, 2014. Her daughter was required to be added to the policy on the day she received her driver's license.

Her intention of cancelling the policy after learning the premium charge for properly rating the policy has no bearing on the requirement for her daughter to be listed on the policy. All household members who have a driver's license and is not insured on another policy, are required to be listed on our policy. As such, we will not delete her daughter from the policy or waive the premium charge for her daughter from January 21, 2014 until the policy cancellation date, as the policy was properly rated.

Please feel free to contact me with any additional questions or concerns.

Review: 21ST CENTURY HAD CALLED MY FRIEND [redacted] [WHICH HANDLES ALL MY PAPER WORK, PHONE CALLS ECT...] REGUARDING MY INSURANCE POLICY. 21ST CENTURY HAD CALLED MY HOME [redacted] AND NEEDED AN UPDATED EXPERATION DATE ON MY DEBIT CARD ON OR ABOUT JUNE 6TH 2013 I WAS NOT HOME AT THE TIME DO TO WORK. [redacted] WAS IN MY OFFICE AND TOOK THE CALL THEY HAD ASK HER FOR [redacted] NEW EXPERATION DATE ON THE CARD. [redacted] REPLIED HE WAS AT WORK AND COULD THEY CALL BACK IN THE EVENING TO GET THE INFORMATION THEY NEEDED. TIME WENT ON 21ST CENTURY HAD CALLED BACK AGAIN FOR THE SAME ISSUE AND I JUST GOT HOME . [redacted] WAS ON THE PHONE WITH 21ST CENTURY AND SHE ASK THEM TO HOLD THAT [redacted] HAD JUST WALKED IN AND SHE WOULD GET THE INFORMATION THEY NEEDED. [redacted] ASK ME FOR MY CARD BECAUSE MY AUTO INSURANCE COMPANY WAS ON THE PHONE AND NEEDED THE NEW EXPERATION DATE OF MY DEBIT CARD. I GAVE IT TO HER AND SHE GAVE THEM THE CARD NUMBER AND EXPERATION DATE ON THE PHONE AND GAVE MY CARD BACK TO ME . PROBLEM SOLVED! WE THOUGHT ! UNTIL I RECEIVED A LETTER ON AUG. 14 TH SAYING THEY CANCELLED MY INSURANCE DUE TO NO FUNDS IN THE ACCOUNT BECAUSE THEY TRIED TO TAKE PAYMENT FROM THE CARD . [redacted] AND I CALLED EARLY IN THE MORNING ON AUG. 15 AND ASK WHAT HAPPENED . 21ST SAID THAT [redacted] NEVER GAVE THEM THE NEW EXPERATION NUMBER on THE CARD AND THAT I HAD TO PAY AN EXTRA $25.00. [redacted] PUT THE WHOLE STORY OUT TO THEM AND ASKED IF THEY COUlD HAVE MADE THE MISTAKE . THEY DISAGREED AND WANTED THE $25.00 [redacted] AND I TRIED REALLY HARD EXPLAINING THAT [redacted] AND HER DO REMEMBER GIVING THE NUMBER IN JULY WHEN THEY HAD CALLED BACK, BUT LIKE ALWAYS YOU NEVER GET THE SAME PERSON WHO WE THOUGHT HAD TOOK CARE OF THIS ISSUE . WELL WE GAVE IN AND I GAVE [redacted] THE DEBIT CARD AND SHE READ THE NUMBERS AGAIN TO 21ST CENTURY . THEY TOOK THE MONEY OUT AND SAID WE COULD START OVER AND REWRITE A NEW POLICY JUST LIKE THE OLD ONE A WEEK AGO . NOT HAPPY ABOUT THE $25.00 IM OUT FOR THEIR MISTAKE. I LEFT TO WORK AND ASK [redacted] TO HANDLE THIS ISSUE FOR ME AND LEAVE NOTES IN MY OFFICE . THEY REWROTE MY POLICY AND NOW TRYING TO UP MY INSURANCE POLICY FROM $121.00 A MONTH TO NOW $161.00 PER MONTH. THEY SAID THIS WAS ALL THEY COULD DO . THEY SAID PAY IT OR GO LOOK FOR ANOTHER COMPANY. [redacted] SAID CANCEL EVERY THING PLEASE RETURN THE $25.00 they took out of my account and that they had lost a good customer with a clean record . as the story goes . 21st century replied sorry we cant refund the $25.oo dollars and we do not have any insurance and hope we can find another company. I AM SICK TO MY STOMACH. I DID NOTHING WRONG OR MADE THE MISTAKE NOR DID [redacted] BUT I LOST ANYWAY. SINCERELEY [redacted]Desired Settlement: A LETTER TO [redacted] MY DEAR FRIEND WHO IS TO SAD OVER THIS ISSUE . AND TO REFUND MY MONEY , TO VALUE THEIR COSTUMERS AND QUIT PASSING THE PROBLEMS OFF TO THE CUSTOMERS ALL THE TIME.

Business

Response:

I reviewed our file and determined that we received a call in June from this former customer. At that time, the customer did not have the updated credit card information, so he promissed to call us back. We have no record that we received a return call. We sent letters requesting the updated information, but we did not have a representative contact the customer.

Review: I need a "Letter of Experience" detailing the official company disposition on an accident claim from 2-6-2013

I am applying for insurance with another carrier and the carrier will not issue the policy until they receive verification of the disposition of the above accident.

Repeated phone calls to 21st Century have proved unproductive. Keep sending the issue from dept. to dept. Tried contacting corporate office...C/S Rep refused to fwd my call to Corporate. This is a very simple & straightforward issue...every Ins Co issues these "letters" as regular course of business. I cannot understand why this is an issue for this company.Desired Settlement: Letter of Experience sent to my listed e-mail address as soon as possible

Business

Response:

Case: [redacted] ? To Whom It May Concern: Thank you for notifying 21st Century of the concerns presented to the Revdex.com. We appreciate the opportunity to respond to this inquiry. As an insurer, it is always our intention to provide excellent service to our policyholders, and we regret the difficulties this customer experienced. According to our records, the policyholder’s request for a letter of experience was emailed to him on September 18, 2015. We have also contacted the customer and provided our contact information should further assistance be requested. We thank you for your time and attention, and we apologize for any inconvenience this matter has caused. If we can be of any further assistance, please contact us.

My 13 year old son and I live with another family in the same household. This month my insurance was boosted due to an additional driver. The additional driver was the other family's child. I had called up 21st century to get this cleared up and they refused to remove her until I provided them proof of her insurance! Why is this my issue??!! I was told that I had agreed to this. Tell me where I agreed to pay for another family's children's insurance!!

DO NOT GET INSURANCE THROUGH THIS COMPANY!!!

I was involved in an accident involving a state offical vehicle and person. I was instructed to follow up with the other parties insurance company in which I did consistently. After all was said and done, Im still not compensated and was told most likely I wont be, basd on the no-fault law. My complaint with 21 Century Auto Insurance is, claims adjustors didnt help or support my claim, and for the most part I was ignored and given the run around.The insurance claims dept. never even requested a report, I did all the legal matters myself, although Im dissatisfied with the case, my main reason for this review is beware because this company is not for its clients/policy holders. They were never helpful, throughout my ordeal.

Review: I had taken an auto policy [redacted] ) out with this company on Oct. 31, 2014, after reviewing the materials sent to my email, I decided I did not want to proceed with policy, it did not include all the coverage my previous policy had, even though it was cheaper, that is the reason I decided to cancel on November 1, 2014, however I paid $293.95 up front to start the policy, I was told there would be a 10 day hold because I paid in the form of a check by phone, I have called on several occasions, and I keep being told the monies will be redeposited tommorow, which has never happened. This affecting me paying my bills in timely manner.Desired Settlement: I would like to be promptly refunded

Business

Response:

Our records show that we released the refund of $293.95, back to your account on September 19, 2014. Depending on your bank, the entire process could take three to five business days before your account is credited. We apologize for any inconvenience this experience may have caused you.

Review: On 10/23/14 est time 8 pm had major front right tire 09 Nissan Versa blowout in car pool lane police escort to near location contact road side assistance about est 30 mins a guy in small hatch back similar car to my own took one look at my rims &tires said I cant help you call for a tow I dont have the tools for those rims I explain to him they came with the car, he then turn around to return to his car I asking what about me and my family your gonna just leave us here, this, area is unsafe for us he reply their is nothing he could do we were stuck for 4 hours no one to help us I had to leave my elderly mothers diabetic daughter and Son and walk 3 miles alone at 10 pm at night to the nearest walmart to purchase the tools to change my tire. Finally around 11pm some from the company shows up. I m upset I was scared, worried how was I going to get my family out of that drug infested area. I was under total emotional distressed. After speaking to several different towing, road side assistance companies all stated they carries a tool box with multi tool to fit any car.Desired Settlement: Compensation, looking into lawsuit

Business

Response:

Thank you for allowing me to respond to [redacted]’s concerns.

I have reviewed her request for roadside assistance service on October 23, 2014. [redacted] requested assistance with changing her tire.

The service was dispatched at 8:59 P.M. with a 45 minute estimated time of arrival (ETA). The provider arrived on the scene and informed [redacted] that he would not be able to perform the requested service as he did not have the specialty tool required for the vehicle’s locking lug nuts. Prior to service being dispatched, [redacted] did not indicate that she had locking lug nuts, which require a special key to complete a tire change. The service provider advised [redacted] to contact her roadside assistance program for a towing service as he could not assist her.

Service was then secured with a provider equipped with the tool needed to assist with [redacted]’s tire change. The provider accepted our dispatch at 9:57 P.M. with a 30 minute ETA. At 10:31 P.M., a supervisor called to check in with [redacted] on the status of the service. The provider arrived at 10:38 P.M.

Our roadside administrators spoke with [redacted] regarding her service experience. [redacted] advised our administrator that she was not aware that her wheels had locking lug nuts. [redacted] was extended a verbal apology for any inconvenience she experienced. They also sent [redacted] a formal letter of apology and extended a $50.00 gift card to her as a gesture of goodwill.

If you have any additional questions or concerns, please feel free to contact me.

Consumer

Response:

Review: After 10 years of being a policyholder, my son was added to my policy by the company without authorization. He was never suppossed to be added to my policy. He is living 300 miles away, and does not have access to any of my vehicles. When I realized what the company did, I went to the online service and found they not only added him, they added him as a primary driver to our most expensive vehicle. The online "service" would not allow me to delete my son from the policy, so I did correct the vehicle back to the correct primary driver (myself). I saught other insurance, but the company is still trying to bill me for premium they claim they earned even though they re-added my son as a primary driver of another vehicle. The phone-in customer service representative stated that this is their usual routine (they always auto-add grown children, and that they always list them as a primary driver).Desired Settlement: Would like my account to be brought to a zero balance, for my name and address to be permanently removed for all future advertizing mailings and to never have business with this company again.

Business

Response:

We We receive monthly youthful driver reports from Lexis Nexis. The July 2013 report indicated that an 18 year old driver, with the same last name as the insured, maintained a valid driver license at the insured's residence. In such cases, it is our procedure to add the driver to the insured's policy. On 7/19/13 the driver was added to the policy. Since there were three vehicles and two drivers listed on the policy, the youthful driver was added to the remaining vehicle on the policy.

On 07/25/13 the insured went online and amended the operator assignment. Then on 10/17/13 the policy canceled for non payment of premium. On 10/24/13 the insured called our Customer Service Department to advise that they had secured new insurance effective 09/07/13. We asked them to provide proof of insurance and upon receipt we backdated cancellation to 09/07/13.

The outstanding balance is $54.07. We do not need to add the driver if he was insured elsewhere. If the insured will provide proof of insurance for the youthful driver reflecting that he was insured prior to 07/19/13 (The date he was added) we will backdate removal. Or, if the insured will provide evidence that the youthful driver attends a school more than 100 miles from the insured residence we can add the Away at School Discount.

Proof of insurance (A Declaration Page,) or a report card may be faxed to [redacted]. We ask that the former policy number be included on all documentation.

Review: My spouses insurance 21st century was notified back in July of an accident my spouse was involved in they were also notified at that time we wished for the insurance company to put the claim through the person who was at fault. The insurance company at which time stopped responding to my calls I would leave voicemails and not get calls back. When I did talk with some one I was transferred everywhere where no one could/ would help. Then I was told that I would have to find the drivers insurance information on my own. They also told me the only way they would help me was if I went through my insurance and paid the deductible at which time they would go after the other persons insurance to recoup their losses but I would be out the $1000 deductible. I spoke with a manager in the claims department who promised she would get this resolved for me but failed to do so. She keeps pawning me off now on other people. I pay my insurance on time every month and have never been late. My car has now been broken for 2.5 months and the insurance company just keeps saying they are working on it. The other driver refuses to give me the information and the DMV as well as police state they will only give that info to the insurance. I pay insurance so that I do not have to go through this. But 21st century will only help me if they can take my $1000 deductible. To me that is really shady business practices. I am not sure of the law surrounding this but I am pretty sure that I signed a contract with 21st century to cover my car and now they won't do anything to help me except take my monthly payment.Desired Settlement: I would like a phone call of some one who is willing to help get my car fixed. I also think I should be reimbursed for the last two months of insurance as 21st insurance has not held up their part to be my insurance provider and cover me during an accident.

Business

Response:

I am unable to research this matter without a claim or policy number. Please forward the information, so I can research the matter. Thank you.

Consumer

Response:

Review: On August 7th I renewed my auto insurance, and was them told to call the rep via phone. I called 21st insurance and talked to the insurance rep. I was told because I moved to Colorado that my rates were going up. (WAY UP) So I told them to cancel my policy and issue me a refund. I explained to them that I had JUST made a payment, and that I wanted them to cancel the payment. I was told that they could not cancel the payment but that they would issue a refund within 7 business days. So I waited seven business days and no refund.

I paid $276.62 on policy number [redacted] on 08-06-14 and it cleared my bank on 08-07-14.

I then emailed them to find out what was going on with my refund. I was told via email (BELOW) that it would now be returned via the US mail in ten business days. (please see email below, then rest of email)

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From: 21st Century Mobile App Feedback

Sent: Saturday, August 9, 2014 7:35 AM

To: [redacted] Subject: RE: general-policy-inquiry (#[redacted] Thank you for your inquiry. Your policy was canceled effective 8/6/14 and it has not been reinstated. You have a refund of $294.50 and it's going to be sent to you by mail 10 business days from the cancellation date to [redacted] We appreciate your business. It has been our pleasure to serve you in the past and we wish you well in the future.

Sincerely,

J[redacted] Team

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So, as you can see by the date it has been OVER ten business days, without a refund. So, today (a few moments ago) I emailed them again to see where my refund was and was told the following... (please see email, and then more)

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Thank you for your correspondence. We sincerely apologize for the inconvenience that you have experienced with the refund. Unfortunately, there is a hold period before the refund is issued; the refund for $294.50 will be issued on 8/25/14 and will be sent to you by mail.

Best regards,

Sincerely, [redacted] Team

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As you can see by the date THEY seem to continue to move the initial seven days, and then the ten business days has passed, now they want to continue to keep my funds even longer.

This in my opinion is theft, and nothing less. If they are going to raise your insurance rates in the first place, do not accept the payment until AFTER they quote you a new price. I initially put my new address into their websites area under my current profile and policy update area without any notice of an increase... but never the less, I canceled it immediately via the phone line when I was told of the huge increase. Then was told it had been canceled successfully, and would be issued a refund in ten business days.

No refund yet.....and I have been very patient with them so far.Desired Settlement: I want a refund immediately issued to me on this date on the money they have continued to keep without my permission,($294.50) and WAY beyond the initial seven days I was told, then the ten days I was given in writing through email.

BTW, I have the emails from them showing ten business days.

Business

Response:

The refund check for $294.50 was released from our office on August 22, 2014. We apologize for the delay, and for providing incorrect billing information

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: As of 3/10/14, I cancelled my policy with this company, due mainly to high monthly payments and excessive fees (such as installment/late fees). I am a disabled person, and I receive SSDI and some part-time wages from a job. But I am on a fixed income, and do not really have the $$ to pay the $50 cancellation fee. When I called them the first time, I asked for this to be reversed. The rep. said she would not, as it is a required fee in CA if I cancelled mid-term during the six month insurance policy. I then spoke to her supervisor, who told me the same thing. I told them I strongly disagreed with the charge, and may dispute it. A day ago I did pay the full balance. But I still disagree with the cancellation fee, and today contacted my bank, who stopped payment on the check. (this was paid with online bill payment) I again contacted them today, and they told me there would be no reversal of the fee.Desired Settlement: As I have stopped payment on the check, I would like the business to be contacted, and the $50 cancellation fee waived. There is little or no reason for them to charge this to customers. And the main reason for my cancellation of the policy WAS that their rates and excessive charges were costing me too much money.

Business

Response:

Dear Customer,

We reviewed your file and sent a written response to you.

We appreciate the opportunity to review this concern for you. Please let us know if you have any followup questions.

Best Regards,

Representative

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Hi my name is [redacted] . In march 2014 I was layed off from work. Ive had 21st century for years .maybe 15 years cant remember. In april of 2014 I was unable to make a payment to 21st century insurance. Didnt have a job, and my wife has been ill with breast cancer. I was stying home with her ,Iwas not able to pay for my insurance , without a job. I figured my insurance would cancel, like it allways had in the past. If you didnt pay your bill .I did not know I was covered thru may and june . I stopped driving my cars in april, figuring I was not insured. Somehow a collection agecy is calling on behalf of 21st century insurance saying I owe them money for the months I thought my pollicy had long been cancelled. Why would they continue to cover me when I hav not payed on my policy. They never have in the past when a payment was not made. Im suprised to see that 21st Century insurance is trying to collect a dept for services that should hav been canceled like they allways have. .can you please help me with my dillema. Medical bills have devestated our family . Is 21st century correct in ther collections. Shure need your help. Dont have any money.agency

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

Can you please help me resolve this issue with 21st century

Business

Response:

Thank you for allowing me to respond to Mr. [redacted]’s concerns.

I have reviewed our file and found that the earned premium balance of $873.00 is correct.

On March 7, 2014, we sent a billing invoice advising that $432.62 was due by March 29, 2014. This payment was not received and a $5.00 late fee was assessed. On April 4, 2014, we sent a cancellation notice advising that $437.62 was due before April 24, 2014.

On April 22, 2014, we received an online payment of $437.62. An additional $2.75 payment processing fee was assessed for use of our online payment service. On April 23, 2014, we sent a cancellation rescinder and billing invoice advising that $432.63 was due by April 29, 2014.

We received a dispute regarding the April 22, 2014 payment from Mr. [redacted]’s fiancé on April 23, 2014. She stated that Mr. [redacted] was not authorized to use her card for the payment. On April 24, 2014, a total of $440.37 for the payment and associated processing fee was reversed off Mr. [redacted]’s policy and credited back to his fiancé’s account. The remaining balance on Mr. [redacted]’s policy at this time was $877.00, which included an additional $4.00 installment fee.

On June 23, 2014, we sent a billing notice for Mr. [redacted]’s July 29, 2014 renewal reflecting a prior balance of $877.00 and a renewal premium of $1,143.00. Mr. [redacted] did not renew his policy, and we credited the $4.00 installment fee that was included in the prior balance. As such, there was a remaining earned premium balance due of $873.00 for coverage provided until July 29, 2014. On August 26, 2014, we sent a final billing notice advising that the earned premium balance was due immediately.

As coverage was provided to Mr. [redacted] until July 29, 2014, the $873.00 in earned premium is still owed to us.

If you have any additional questions or concerns, please feel free to contact me.

Review: I have auto bill pay for my insurance bill and on 8/6/2013 I guess that the business in question attempted once to get payment and it didn't go through due to payment funds not being available at the time. I was unaware that the payment was attempted on this date. On 8/7/2013 I put money back into my account to ensure the cost would be covered. 8/9/2013 I noticed that the payment still hasn't came out of my account so I called to ask why. One of the workers told me about the attempted payment on 8/6/2013 and stated that my policy was due to be cancelled on 9/2/2013 if a payment of $402.00 wasn't made by this date. I asked to speak with a supervisor how spoke with me and told me the same information as the previous told me. The supervisor requested to call my bank , which I agreed to and the bank reported that the funds were not available on 8/6/2013 and states that was the reason payment wasn't made. I then requested the current balance which was 189.63 which was more then enough to the cost. Still after this being known (the current balance) I still have to pay the $400. I think its unfair that this was my first late payment that wasn't even four days late and now my policy is cancelled.Desired Settlement: Just maybe pay a late fee and ensure that payment is available on the due date

Business

Response:

Dear Customer,

Thank you for your referral through The Revdex.com regarding your automobile insurance policy. We appreciate the opportunity to review and respond to your concern.

We sent a written response to you.

Please feel free to contact me with any concerns or questions.

Best Regards,

Representative

Review: I was set up on Autopay. The 1st month there was no issues, fund left my bank on 6/19/2013. The second month there was no attempt. I contacted Century 21, since their website was not clear, to have them tell me that the attempted charged was returned. I sent a screenshot of my bank account showing I had funds and an e-mail from my bank stating that I had a balance. (The letter indicated they can no send anything directly to Century 21). Century 21 said I could send the e-mail but they are still asking for a letter from the bank. I showed them my bank and the e-mail send from [redacted] secure e-mail. I wasted hours on the phone and e-mailing them. I receive mixed information form every person I speak with. They have removed me from autopay and are having me pay last month, this month and a returned payment fee on 8/8/2013.Desired Settlement: I want to pay my July invoice, have the returned payment fee removed, and be placed back on autopay with my August payment of 93.01 deducted from my account on 8/19/2013.

Business

Response:

Thank you for

the opportunity to review and respond to [redacted] concern submitted July 30,

2013. I appreciate the opportunity to respond.

I spoke to [redacted] and discussed the matter with her. After I completed my review I

left [redacted] a message confirming that we received her replacement July

payment, we removed the fee based on our review, and we will accept her August

payment before the standard due date (due before August 19, 2013).

I offered for

her to call me with any follow-up questions.

Thank you again

for the opportunity to review and respond to [redacted] concern.

Review: The insurance Company wants me to pay out of pocket expenses to the amount of 25 hundred dollars for something I am not liable forDesired Settlement: $5,000 or replace the truck with something of same value that I will accept........remember this...your client hit me at 45 to 50 mph while I was sitting at a red light.......it's time to be fair about it !

Business

Response:

[redacted] We have received your inquiry filed with the Revdex.com regarding the settlement offered on your totaled vehicle. We appreciate the opportunity to review this matter and respond. In your inquiry you are asking for $5,000.00 for the value of your truck. Our records confirm that you settled your property damage claim for $5,200.00. The value was adjusted after we were able to confirm the aftermarket additions made to your vehicle. A supplemental payment in the amount of $2,250.35 was issued on June 17, 2015. We are pleased we were able to resolve this matter amicably. Please contact the claims office directly if you have additional questions regarding your settlement. **Please confirm receipt of this response. [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: Upon filing a claim with this insurance company, I am finding out 2 years after having this policy that my homeowners does not cover theft. Apparently this is something that is requested and not something that is automatically put into a policy. The norm to my knowledge is to include theft in a homeowners policy. Since this was never offered to us we never requested the "theft addition" to be added to our policy. This is a dirty practice that was played on my family and now only after needing my insurance companies help are we finding out about this. I am displeased with this dirty and shady practice.Desired Settlement: I am requesting a full refund of my last 2 years insurance as they have taken advantage of my family.

Business

Response:

Thank you for your recent filing dated July 14, 2014, regarding this matter. We appreciate the opportunity to respond.

This claim was reported on July 12, 2014, after personal property was stolen out of a vehicle at the [redacted]s' home. Our file indicates Claims Representative Heather. Hopkins spoke to [redacted] on July 14,2014, and after reviewing the policy information informed him theft coverage was not included. Mr. [redacted] indicated he was unaware he did not have theft cover and that his agent did not advise hint of this, but he so acknowledged he did not specifically request such cove.t:age when the policy w purchased. During a subsequent conversation with the agent's office, we were advised the insured did not request theft coverage at any rime.

As Mr. [redacted] asserted his policy should have included theft coverage, we conducted a coverage investigation to determine if any errors were made in writing his policy. In doing so, we determined there is no evidence the policy was written in en:or, and confirmed the insured never requested theft coverage at any time. Further, the agency confirmed the insured was notified specifically that no theft coverage was included when the policy was written. I am sorry we cannot provide a more favorable response to Mr. [redacted]'s inquiry; however, we do not owe any premium refund as he was provided the coverage paid for during the policy period

Review: This company never took out our payment and I only received one letter about a past due amount. Which I received after my insurance elapsed. I have papers from my bank showing it never even tried to clear my account. Now I have to pay $75+ for insurance because of the lapse in coverage. We have contacted their costumer service but was told there was nothing they could do>Desired Settlement: I would like to get my insurance policy reinstated at the same price.

Business

Response:

We revieved this former customer's file and confirm that the December 16, 2013 payment was declined by his bank. The company mailed a cancellation notice in advance of the policy cancelling, and we have proof that the notice was mailed. We are unable to reinstate the policy.