21st Century Insurance

Thank you for notifying 21st Century of the concerns presented to the Revdex.comWe appreciate the opportunity to respond to this inquiry A review of our records confirm, physical damage coverage was added to the policy as a result of a phone call we received from the loss payeeAs the consumer did not provide her consent to include the coverage, we have contacted the collections agency and had the outstanding balance removed from her fileAdditional review was unsuccessful in locating a payment of $225.00, as a result, we are unable to honor the request for reimbursement We thank you for your time and attention, and we apologize for any inconvenience this matter has causedIf we can be of any further assistance, please contact us

Our file reflects that on November 5, 2013, we mailed the renewal void notice notifying you that your policy was voided In addition, we mailed the earned premium notice to your residence for $on November 5, The billing notice advised you your renewal payment was returned by your financial institution The call that you received on January 6, 2014, was from an auto dialer reminding you of the $balance on your account I viewed our records and we have not received any return mail Thank you for your payment the account balance is zero

To Whom It May Concern: Thank you for notifying 21st Century of the concerns presented to the Revdex.comWe appreciate the opportunity to respond to this inquiryIt is always our intention to provide excellent service to our policyholders, and we regret the difficulties that this customer experiencedOur records show that the customer authorized his brother to complete the quote and the subsequent policy that was issued with our companyReview found that we advised that the documents were required to be returned to the company in order to maintain the initial premium discussedAs the documentation was not received, the policy premium was adjusted accordinglyWe contacted the customer and provided our contact information should further assistance be requested regarding this matterWe thank you for your time and attention, and we apologize for any inconvenience this matter has causedIf we can be of any further assistance, please contact us

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I have three points to make: 1) It is clear that the majority of the answer provided by 21st Century Insurance is a generic answer dealing with losses Were there no such losses prior to soliciting my business and providing a lower rate? I would like to see the losses before I was solicited and agreed to switch carriers versus the losses over the next years 2) How is a 69% rate increase over years with only minor policy change (increase in medical payment coverage $combined for both vehicles) not unconscionable? Shouldn't 21st Century let customers know before soliciting them that there has been a 69% increase over the last years so they can make an informed decision before switching auto insurance carriers? 3) What does it mean in 21st Century's response when it says "the next scheduled deduction will occur on 2/27/14." Does that mean that my premium is being reduced?

We did send a request to remove the additional loss from your loss history, however, it was not processed by the vendor Please accept my sincere apology for the inconvenience I sent another request today to remove the duplicate loss from 4/3/ The entire process can take up to days for processing If you need a letter to submit to your current insurance carrier, please call our customer service department and we will be happy to assist you Thank you for bringing this matter to our attention, so it can be addressed

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is not satisfactory to me to a certain pointThe money accessed my account for the amount was for a one time payment from Western Union when Brett [redacted] called to make a paymentHe, at the time, was living in Florida and was on his way to Ohio following a horse hauler transporting his horse to OhioI gave him permission to use my account for payment due the st Century InsuranceThey in turn have been accessing my account for continuous usage since 10/05/without my knowledgeIt is a checking account with deposits from Social Security and retirementMy income is $a monthThe insurance accessed is generally $to $a month which I had no idea was being accessedI have my own life, house, car, and all the maintenance, upkeep, food and medical payments, that comes with living aloneThe payments have been taken out since and has a total of $ACCESSEDI NEED REINBURSED FROM 21St CenturyI definitely need your help.Thank you very much for your concern [redacted] Regards,

We received [redacted] ***e’s inquiry regarding his bodily injury claim for the accident on October 11, We regret [redacted] ***e was dissatisfied with our settlement offer on his claimOur records reflect we have received and evaluated [redacted] ***e’s medical records for this accidentOur offer was based on our evaluation and experience regarding settlement values for bodily injury claimsWe would like to work with [redacted] ***e to resolve his claim amicablyClaims Representative Justin White extended an offer of $1,The claim notes reflect on April 10, 2014, MrWhite left a message for [redacted] ***e and outlined our offerWe received a letter from [redacted] ***e on April 16, 2014, and our claims office is reviewing this correspondenceWe would not release the amount of coverage on our insured’s policy as this is confidentialShould [redacted] ***e have any questions regarding his claim we recommend he contact Claims Supervisor [redacted] Sent on: 4/21/1:09:PM

To Whom It May Concern: New Roman" size="3"> Thank you for notifying 21st Century of the concerns presented to the Revdex.comWe appreciate the opportunity to respond to this inquiry Our review found that this customer’s renewal premiums were impacted by statewide rate changesAs an insurer, 21st Century strives to keep premiums as competitive as possible while providing our customers with the protection they deserve should a loss occurAs costs associated with automobile claims and insurance services continue to climb, it is necessary that we intermittently adjust our rating information to take these increasing costs into considerationReview shows that we provided the customer with renewal offers and automated payment plan statements in advance of the renewals, and updated policy documents after processing customer initiated changes so that they would be aware of the upcoming payment draft amountsWe have provided the customer with a response advising them that we are unable to honor their request for a refund on earned premium We thank you for your time and attention, and we apologize for any inconvenience this matter has causedIf we can be of any further assistance, please contact us

I was involved in an accident involving a state offical vehicle and personI was instructed to follow up with the other parties insurance company in which I did consistentlyAfter all was said and done, Im still not compensated and was told most likely I wont be, basd on the no-fault lawMy complaint with 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 deptnever 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 holdersThey were never helpful, throughout my ordeal

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I have text messages proving that the witness and I didn't know one another before the accident [redacted] has all of these messages, but has so far ignored them altogether For your reference, I've attached those hereI've also attached messages I sent to the manager of his building and to the other witness, which is almost verbatim to the one I sent to GI call him G, because that's the name he gave meIt's the name I gave [redacted] It's the name I gave my insurance adjuster at ProgressiveIt's the name I know, as I still don't know what it stands for And when it comes to our "similar" addressesthe accident happened as I was turning into my drivewayHe was walking on the sidewalkI'm not sure how that is cause to ignore his testimony completely I've also provided a Starbucks receipt (which I provided to [redacted] )proving I was out running errands before the accident occurredWhy would I then park directly across from my drivewayin a no parking zone and in front of another street? [redacted] 's version of events don't even come close to making senseAlso, if I was parked on the curbhow did the debris go under my car and to the right? Oh, because I moved it there so traffic could continue moving up and down Camrose while [redacted] and I dealt with the situation

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Spoke with a representative of 21st century insurance today (07/29/2014) and although admitting there was a mistake on their end, they offered no solution that would compensate their mistake and the stress it cause and/or the lapse it causedThe company basically took it on themselves to bill me an additional month and then discontinue without, in that month, making a legitimate effort to contact their customer of whom they owe due diligence under their default fiduciary dutiesmonths went by.\, uninsured mind you, when at that point for some odd reason on, around, july 10th or so, they placed a simple telephone call which informed me of the situationHad other occurences happened this would have been acceptableHad they continued my insurance and then sought the back months in all OR had they discontinued right away and notified me, and not decided on their lone to pick a length of time to insure and then just drop their customer before speaking in person, either of these would have been acceptableSince this didn't happen a middle ground needed to be reachedSince I had to forego months of insurance and bear risk for those days, they need to forego this, now, $charge they want for this random time frame they chose to insure meNot to mention they still wanted to raise my insurance if I continued with them which also would have left an additional gap of uninsured time from the day the compliant happened till the offer day of todayI now have gone to [redacted] since I had no choice but to find insurance while I battle this and have also foregone additional money in hand each month to the sum of $a month or $a yearThis needs to be resolved and these charges dropped, stop trying to bully young America 21st century insurance

In reviewing Mr [redacted] ’s policy, it was cancelled on May 13, 2016, for non-payment of premium The ongoing investigation of Mr [redacted] ’s claim for an April 7, 2016, loss under claim number had no impact on the decision to cancel the policy Special Investigator [redacted] is assigned to Mr [redacted] ’s claim to investigate the facts and circumstances surrounding the April 7, 2016, loss The investigation remains ongoing and once it has been concluded, Mr [redacted] ’s claim will be advanced to conclusion We maintain Mr [redacted] ’s claim is being handled appropriately Should Mr [redacted] or his attorney have any questions concerning his claim, they may speak with either Claims Representative [redacted] or Claims Supervisor [redacted] Thank you again for the opportunity to review Mr [redacted] ’s concerns and respond Should you have any additional questions, you may contact me toll free at [redacted] or at my direct line of [redacted] or by e-mail at [redacted] Sincerely, 21st CENTURY CENTENNIAL INSURANCE COMPANY [redacted] Senior Customer Relations Consultant Claims Customer Relations

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 licensedShe was not required to add her daughter until she obtained her driver's licenseShe did not call us to add her daughter when her daughter received her driver's license She called our office on January 20,and advised us that her daugher obtained her license and is the only driver of the insured vehicleShe also advised us that her daughter was away in college at that timeAs per our guidelines, her daughter was added to the policy effective the day after her call, January 21, 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 policyAll household members who have a driver's license and is not insured on another policy, are required to be listed on our policyAs such, we will not delete her daughter from the policy or waive the premium charge for her daughter from January 21, until the policy cancellation date, as the policy was properly rated Please feel free to contact me with any additional questions or concerns

February 26, To Whom It May Concern: Thank you for notifying Farmers of the additional Inquiries presented by [redacted] We appreciate the opportunity to address her concerns As stated In our previous response, we are unable to provide coverage for [redacted] uncle's homeas it does not meet our underwriting guidelinesWhile we did not receive the application that [redacted] *** referenced in her most recent correspondence, it Is possible that the document was an application for insurance with an unaffiliated companyIf our contracted agents cannot place business with our company or our affiliates, they are contractually permitted to seek alternate coverage through an unaffiliated company or brokerWe wish to assure [redacted] that our company's inability to offer coverage is in no way related to the surrounding geography or neighborhood of her uncle's home, but is rather specific to our underwriting guidelines concerning loss history [redacted] indicated that the Ford Agency refused to bind coverage for her uncles homePlease note that agents are Individual small business owners, and as such, they have the ability and right to refuse any piece of business that does not meet our company guidelineshowever, our expectations of our contracted agents are that they will deliver excellent customer satisfaction, and we do regret [redacted] s unfavorable experience Please contact me by email at [redacted] if we can be of any further assistance

Thank you for your correspondence posted on May 22, 2015, and received in our office on May 27, 2015, in which [redacted] has expressed dissatisfaction in our coverage denial of this claimWe appreciate the opportunity to review this matter and tespond .Our records indicate Mr [redacted] reported his Toyota Sienna had been involved inan accident on April 16, However, since the policy for this vehicle did not become active until May 1, 2015, a coverage investigation was opened to determine if coverage could be applied for the loss dateOur claims personnel listened to the recording of the call from Sandra [redacted] on April 13, 2015, in which she applied for both auto and homeowners coverage to be effective on May 1, At the time of the call,Ms [redacted] indicated she belie'9'ed her policies with State Farm were active until May 9, and/or May 31, Ms [redacted] also asked about calling State Farm to cancel her current coverage, and the sales reptesentative advised she could call them that dayHowever, the representative did not advise her to cancel her current coverage prior to the effective date of her new policiesThat effective date was reiterated to Ms [redacted] several times during their conversation.Unfortunately, since the new auto coverage with our company was not yet in force at the time of the loss, we were unable to CO'Q'et the damage to the vehicle that occurred prior to the effective date.We regret we are unable to provide a more favorable response to this inqu.U.y However, should Mr [redacted] have any additional questions about our position, we would encourage him to contact Chums Supervisor [redacted] Please direct any other inquiries regarding the contents of this letter to me at the above toll free number, directly at ( [redacted]

This company and it's customer service is absolutely horrible! I got insurance in August for vehicles and paid my premium in full In December I bought a new car and added it to my policy At the same time, I signed up for their Auto Payment service to automatically pay my premiums via credit card When my next bill was due, I got a notice that my policy was cancelled for non-payment I called customer service and the guy left me on hold about minutes and said he talked to managers but they were unwilling to reinstate my policy because it was my fault I don't understand how it could be my fault when I signed up for Auto Payment 12/24/and my bill wasn't due until 2/1/and the effective date for my coverage didn't begin until 2/25/ Also the website didn't show my account was even activated for the Auto Payment After asking to speak with a manager/supervisor he left me on hold another few minutes only to say they were all busy This is extremely poor service, poor communication and total disregard for customers and lack of consideration to help or even make an attempt to help resolve the issue, which was their fault

Attached for your review are copies of: Fifth Application Invoice left at customer’s house when the application was done on 10/5/which shows our service continues Fifth Application newsletter, which we leave at each house with the Fifth application invoice showing automatic renewal Sixth Application Invoice left at customer’s house when the application was done on 11/16/which shows our service continues Sixth Application newsletter, which we leave at each house with the Sixth application invoice that, once again, explains our automatic renewal Renewal letter that we send out to each customer early in December for the next season’s scheduled applications, offers the prepayment discount, states that the customer should call us with any changes, and lets them know to expect us any time after March 1st We give our customers as much information as we can each time we are on their property We are not the kind of company to blind-side anyone for any reason, which is what I feel we are being accused of We let our customers know that we will begin treating their lawn as soon as the weather permits, around March 1st of the following year There are NO SURPRISES We are an above-average company with great employees, and are in good standing with the Revdex.com as well as other organizations, and intend to keep it that wayOur offer still stands; we will split the bill with this customer Application cost plus tax and late fees divided by two leaves a balance due from this customer in the amount of $Thank you for your assistance in this matter Please do not hesitate to let me know if you need anything further from us Marcia *M***Office ManagerMEEHAN’S LAWN SERVICE, INC

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below All of these businesses claim they record your conversations for training purposes etcWell that's all I askListen to the audio and you will find that the first person I spoke with I believe he referred to as [redacted] told me my payment date was changedI did not ask for a change of dateI was TOLD by them it was changedThe 2nd person I spoke with claimed that the first person did make those changes to our policy but did not update the file correctlyThere in lies the truthNo one with this company knows what they are doingThese people are not honestI can't do business with a company that won't admit a simple mistakeWe are talking about a $overdraft feeI guess they need it more than I do cause they are willing to be DISHONEST to keep it

Thank you for allowing me to respond to Ms [redacted] 's concerns.I have reviewed our files and was unable to locate any recent inquiries that may have been received via the phone number, e-mail address, or postal mailing address Ms [redacted] provided requesting to remove her policy information from our recordsWe apologize for any inconvenience this matter has caused.Ms [redacted] 's former automobile insurance policy canceled effective February 15, As requested, we have permanently removed Ms [redacted] 's archived policy information from our recordsAdditionally, we have taken appropriate measures to ensure that Ms [redacted] does not receive any future marketing solicitations from 21st Century Insurance either by postal mail or e-mail at the addresses provided.Please note that while members of Ms [redacted] 's household may not have had a policy with 21st Century Insurance, they may still receive marketing solicitations from us unless a request is received from each individual that wishes to cease such communicationsIf Ms [redacted] or members of her household do not want to receive firm offers of credit or insurance from other companies, we would encourage them to call the [redacted] or visit their website at [redacted] If you have any additional questions or concerns, please feel free to contact me

The account information in question was provided to us by the complainant's son who did not identify the mother as the sole account holderTo review the request for reimbursement, we ask for a bank statement reflecting said charges, and the complainant as the sole account holderWe also request a copy of the filed police report pursuing charges against the policyholder for fraudulently accessing her accountThis information may be faxed to [redacted] Thank you