Advanced Mechanical Corp.

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. 
 Your sales person is the biggest liar I've ever encountered, he sold me on ridesharing and that was the only reason I bought that rubbish policy.  You should do better background checks on your employees as this affects your reputation as a business adversely.
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].  I have to send you this email because I couldn't respond in the letter from Liberty Mutual ( Nothing would type in in the section that says "rejection comments in this section). In response to them, there was no final bill to be issued if the bill was cancelled May 11,2017, if there was a bill you created this on your own CANCELLED means over, done, stop, I'm finished. So any bill after May 11th is FRAUDULENT. In there  response letter to me , Liberty admits there was final bill issued on May 15 due June 4,2017 again it was CANCELLED so how are you still sending out bills you aren't GOING TO MAKE ME PAY FOR SOMETHING I DON'T OWE AND CANCELLED. The payment of $450 was paid and Liberty said the payment was from March 30 until May 15,2017. If you covered me beyond May 11,2017 than that's your fault as I CANCELLED it before the due date. The policy I agreed to pay was originally $434 a month and then went to $450 the next day than when I was told it would be $500 a month I decided to cancel, that is not what I signed up for. You kept changing the price that's why I cancelled ,In your response to me/Revdex.com you say in your response that it was a 12 month  policy for $6,284( I wouldn't have signed up for a $6,000 policy) yet attached to your letter to the Revdex.com/me the pdf of the billing history says $5,403 which was $450 dn and $450 for 12 months, which one is it ( which lines up with what I was saying it was $450 down and $450 a month= $5,403). ( endorsement 1)The priced quote and I paid for didn't have right track in it so the quote of $450 was without it, you don't get to change the game in the middle of the game or after the game. Endorsement 2 are you crazy I had the wrong vin number ( for my old truck and you want to charge me $40 to change the vin numbers on the policy that wasn't even active yet LOLOL. You had my money($450)for 3 weeks before the policy even started. $5 for a billing fee for a CANCELLED policy/bill. Long story short when I signed up for this and gave my money it was $450 dn and $450 a month even your billing history says that so where did the $6,284 come from I didn't agree to that amount nor sign for it you can't change the policy after I agreed to pay one thing that's called FRAUD. These are made up cost... when I contacted your agent May 11,2017 he said after May 11, I wouldn't owe anything, period!  Regards,
[redacted]

Dear [redacted],
This is in response to your May 23, 2015 correspondence to the Revdex.com regarding your automobile policy. I appreciate the opportunity to respond to your concerns.
This policy initiated effective September 5, 2014. You selected monthly Electronic Funds...

Transfer (EFT) as your preferred payment method.
Prior to the receipt of your correspondence to the Revdex.com, Liberty Mutual Insurance was not aware of your intent to cancel this policy. You indicated alternate coverage was obtained effective March 15, 2015. Therefore, I cancelled this policy effective March 15, 2015 at your request to correspond with this date. After cancellation, there was a $153.64 credit balance which was scheduled to be refunded to you.
However, two $88.33 Electronic Funds Transfer (EFT) payments previously credited to your policy balance April 1, 2015 and May 1, 2015 were returned as unpaid by your financial institution. In addition, your policy balance was debited a $25 returned payment service charge for each returned payment for a revised balance due of $73.02. As a courtesy, I waived the $50 in returned payment fees and the balance due was adjusted to $23.02.
Due to the dishonored payments, instead of a refund due, you now have an outstanding balance owed of $23.02 which remains due. A final bill will be issued to you.
[redacted], a billing history is enclosed for your review. If you have further questions or concerns, please contact me directly and I will be happy to assist you.
Sincerely,
[redacted] Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Phone: ###-###-#### Fax: ###-###-####
Enclosure

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. 
Regards,
[redacted]

Response to complaint.

I agree with their statement they repeated what I have said and gone through. What they have not touched on is the fact that they only said I needed to send in my diploma to make sure the discounts are activated. The sales rep knew I would only be purchasing renters insurance but unknown to me he still applied discounts that I would not be able to fulfill.
Regards,
[redacted]

Dear Mr. [redacted],   We are in receipt of the complaint you sent to the Revdex.com. We understand that you are inquiring about communications with Liberty Mutual Fire Insurance Company and the processing of this claim for you and [redacted].   This loss was reported to us on November 9, 2016 by a claims representative at [redacted] Insurance. We began to gather evidence from the incident when we received notification of the claim. We identified early in our investigation that this collision occurred in an uncontrolled intersection on November 7th.   We contacted you, Mr. [redacted], on November 10th to investigate the loss. You advised us at that time that the driver of your vehicle, Ms. [redacted], did not have a phone number for us to contact her as her phone was out of service. We advised you that we needed to speak with her to obtain her statement about what happened in this loss and requested that you have her contact us. You advised that you are the owner of the 1994 [redacted] involved in this loss. You confirmed that the vehicle was incurring storage charges and we advised that we could not agree to pay for storage or rental at that time as liability was unclear. At that time we advised you via phone and mail of your responsibility to mitigate your damage to your vehicle related to this loss.   We ordered the police report the same day in order to gathering evidence for our liability investigation. On November 11th, we confirmed coverage for this loss with our insured and continued to investigate liability. We had not received a return call nor statement from Ms. [redacted] by November 30th, when we receive a letter of legal representation from her attorney. The letter indicates that we are not to make contact directly with Ms. [redacted]. We advised her representative that we needed a statement from her in order to continue to investigate liability in this matter. We were advised on December 2nd, by Ms. [redacted]’s representative, that they would not provide a statement from Ms. [redacted].   Additionally, we were advised by Ms. [redacted]’s attorney that she was the legal owner of the vehicle involved in this loss. We have not received any communication from you nor an attorney representing you, indicating that we should be communicating with someone other than you in regards to your interest in this claim.   We received and reviewed the police report on December 2nd. At this time, we have not been provided with an account of the accident from Ms. [redacted] or her legal representatives. Without that information, the facts of this loss remain unclear. We continue to investigate liability at this time, while we await Ms. [redacted]’s statement.   We inspected the damage to the vehicle on November 16th and agree that the damage sustained in this impact are greater than the actual cash value of this vehicle. Although we are not able to accept liability at this time, we offered to mitigate the storage costs by agreeing to move the vehicle from the tow yard to a storage free facility. January 4th, our salvage vendor was allowed to tow the vehicle from the tow yard. Although we are storing the vehicle, Ms. [redacted] retains ownership.   At this time, our investigation into the facts of this case and determination of liability are ongoing. We cannot pay for the damage to the vehicle nor loss of use at this time as the facts in this matter are still under investigation. If you require any further assistance regarding this claim, do not hesitate to contact us. Sincerely,[redacted]Claims Team Manager, Liberty Mutual Fire Insurance Company[redacted]                            [redact...⇄ /> [redacted]                          [redacted]
[redacted]    [redacted]
[redacted]                                   ...⇄

[redacted] received the written report from Mr. [redacted] through e-mail on 12/10/2014 giving his description of what happened in the accident with  our policyholder.  [redacted] reviewed this document along with our insured's statement and the police report prior to completing her...

liability investigation.  Mr. [redacted] is stating he called the office and was advised his information was not in the claim file.  [redacted] had the information in her e-mail and after she finished reviewing the claim and determining liability, she uploaded Mr. [redacted]'s report to the claim on 12/16/2014.  She did have his report on 12/15/2014 when she finalized her decision.  The accident occured in Massachussetts and Mr. [redacted] had a stop sign.  He proceeded from the stop sign and made contact with our policyholder who had the right of way.  Mr. [redacted] was considered more than 50% at fault and we denied his claim.  If you have any further questions, please contact me.  [redacted] Team Manager[redacted] ext. [redacted]

We received notice of your STD claim on September 16, 2015.You submitted a claim with a disability commencing September 14, 2015.We notified you by our letter dated September 21, 2015 that we had requested medical records from your treating providers to determine your eligibility for STD...

benefits.Your STD claim was approved on October 9, 2015.Upon receipt of your inquiry form the Revdex.com, [redacted], Manager, attempted to reach you by telephone today to discuss your claim and payment amount.Mr. [redacted] may be reached at [redacted] e...

First, your expectation and what actually occurred are two different things. The agent that handled my case did not communicate any about this "[redacted]" program and that participation or lack of participation would affect the price they offered to attract my business. Improving your communication in the future does little to repair our consumer relation. Secondly, your notifications are vague and do not clearly address the reality of your policy requirements. The only time anything was mentioned about the "[redacted]" program was in a letter issued to me after I purchased your insurance and a week before the actual trackers were emailed. And even then the notification that my premium would go up by not participating was not clearly stated until the tracker was received. Third, the "[redacted]" Terms and Conditions form is under Section D and make no actual reference to the "[redacted]" program or how its enacted. I have no concerns with the parameters, I strictly find them invasive and do not wish to subject myself to that. My issues is with Liberty Mutual shady business tactics, vague contract wording and presumption that I should pay more money as a result of your business mistakes. Your lack of acknowledgment that your practices are wrong and your continued ignorance that I should accept this price change or enroll in this "[redacted]" program are quite frankly tasteless and disrespectful. It seem the Revdex.com will not do anything as nor will Liberty Mutual. For the time beginning I am aware that my premium will go up $80 and I guarantee that next year I will change home and auto insurance providers and will never do business with Liberty Mutual. That means nothing to a mutli-billion dollar company like yourself but it is the principal in business which you and your company seem to lack.

Dear Revdex.com,  This is in response to your correspondence dated July 8, 2015, which was received by our Presidential Service Team that day.  According to the explanation included in the written complaint, [redacted] is upset that after completing a Liberty Mutual...

quote, an [redacted] gift code was not received as promised from the promotion.  First and foremost, we would like to apologize for any frustrations that [redacted] may have experienced during this time period. The day that this complaint was received we contacted [redacted] and expressed our apologies in the delay. An [redacted] gift code was sent directly to [redacted].Kind regards,[redacted] BlockMarketing Specialist [redacted]

Attached is our Revdex.com response letter. Let me know if any questions. Thank you.

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].
She is incorrect on several statements. One, we never received the original forms she spoke of. I am sure they were lost in their system as that seems to be a common occurrence as noted by the fact that the form sent to us in may, which we immediately returned was noted by them to be received and lost when transferred. This came to light when our mortgage company informed us we were no longer covered by liberty mutual and they were going to cover us under their policy. No letter or emailed was sent regarding our loss of coverage. The loss of the  form(sent to them in May) was admitted to our mortagage company on a three way call between my wife, [redacted] and a representative at liberty mutual. So their statement that we failed to send that form is false. They negligently lost the form during their processing between who we sent the form to and the main office. Next, she left out the part that several of their employees told us we were either covered during the final process or "not" covered, which  left us not knowing whether we were covered or not. They also informed us we have not been covered since May 30, which was told to us by several of their employees with the final one saying since your policy was reinstated, it would have covered you. But in fact, if our house burned down July 5th, we would not have been covered and they want us to believe they would have covered us even though our insurance had lapsed. Now to top everything off, the cancellation letter I sent them to cancel our policy was also lost. Even though they sent am email stating they received it, they had no record of it and it needed to be resent to cancel the policy. This was only determined when we called to find out how the refund was going to be processed. We again had to send the cancellation form and it was sent to a person supposedly higher in the customer care chain of command. It took several times sending it before we received once again, a letter confirming they received it. Now we wait to see if our refund actually gets processed and sent. They also charged us for the time we were not covered.
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]. . 
I feel that this does not resolve my problem. I cancelled this policy with Liberty Mutual to end on 04/28/16 because I had another policy on the very same vehicle though Liberty Mutual under my husband's name effective 04/29/16 for a better price through an employer discount. There is absolutely no reason for me to double insure the same vehicle. They are charging me for an extra month. The bounced payment was not a debt due to Liberty Mutual in the first place. I contacted them and they agreed and issued me 2 return check fees for the fees I incurred after the 2 attempts to collect this "extra" charge. I do not need double coverage on this vehicle. My husband's plan picked up where mine left off # [redacted]. As you will see upon review, this is accurate. We renewed with a representative named [redacted] and he assured us this would not happened when we called to confirm the cancellation on 04/28/16 and yet it did.
Regards,
[redacted]

We are responding to [redacted] by letter to provide the additional policy detail that ispertinent to the complaint. Attached is a copy of our letter.Our premium audit staff contacted [redacted] today to assess the actual employeeexposures for the expired policy term. We learned that the...

prior employee estimate informationhad been miscommunicated to us. A revised premium audit has been completed and theoutstanding premium balance has been resolved.Thank you for bringing this matter to our attention.[redacted]Underwriting SpecialistCommercial Lines PlatformLiberty Mutual Insurance[redacted], [redacted], Indiana [redacted]

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #[redacted]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
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].. 
                                 We stopped payment because we believed our insurance policy had ended on March 2nd, as we were told by the Liberty Mutual agent we canceled with over the phone. Our new insurance company took over on March 3rd and charged us accordingly. We discovered Liberty Mutual had also charged us on the 2nd, 2 days after canceling our policy? I do not understand why Liberty Mutual is charging us in arrears? Liberty Mutual gave us the option to choose when to make our payments, so we chose the 30th of every month. We did not realize this would mean we would be paying for our insurance in arrears? I was not aware car insurance payments could be made after the fact. Why was this information not explained to us by the agent we canceled with? The dates given to me by the last agents I spoke with ([redacted]/[redacted]) do not match the dates payments were made on my bank statements. I would appreciate to see the documents that show when our payments were made, that shows we still owe a payment, and match them to our bank statements. I believe some communication from Liberty Mutual with their customers, which we have received none outside of a [redacted] notice in the mail, would have extremely helped resolve this situation sooner! Unfortunately, the only communication we have received was telling us we owe money, without showing how or why we still owe money, or providing proof of why we still owe money, by an extremely rude woman named [redacted]! Please provide a list of payments we made towards our policy that proves we still owe a payment after canceling our policy. If the dates match the dates shown on my bank statements, I will gladly pay what is owed.
Regards,
[redacted]

RE: Personal Automobile Policy: AOS-248-132403-71
      LM-General Insurance Corporation/ NAIC: 0111-36447
Dear Mrs. [redacted],
This is in response to your June 30, 2015 correspondence to the Revdex.com regarding your automobile policy. I...

regret any miscommunication that may have occurred regarding the premium impact due to the address changes completed and appreciate the opportunity to respond to your concerns.
This policy initiated effective May 1, 2015 with an annual premium of $704. A $704 down payment was remitted at the policy inception. You selected pay-in-full Electronic Funds Transfer (EFT) as your preferred payment method going forward. The address as shown on the enclosed application signed by Mr. [redacted] April 19, 2015 was 4256 County W, Rhinelander, [redacted] 54501-2157. In addition, a Declarations page issued to you April 14, 2015.
You contacted our customer service department April 15, 2015 and $10,000 medical payment coverage was added to this policy effective May 1, 2015 at your request. The annual premium was adjusted from $704 to $718. A Declarations page issued to you April 15, 2015 confirming the additional coverage. The policy balance was adjusted to $14 as a result of this change. A withdrawal notification was issued to you April 29, 2015 advising a $14 withdrawal from your account would take place May 14, 2015 in accordance with the enclosed EFT agreement signed by Mr. [redacted]. The $14 payment was credited to the policy May 14, 2015 lowering the policy balance to $0.
You contacted our sales office June 4, 2015 and the address on this policy was changed to [redacted] at your request. The annual premium was adjusted from $718 to $813. An $87 pro-rata debit was applied increasing the policy balance to $87. A Declarations page was issued to you June 4, 2015 confirming the adjustment.
Since we previously notified you on April 29, 2015 that $14 would be deducted from your bank account, a $14 EFT payment was processed and credited to the policy May 14, 2015 lowering the policy balance to $73.
However, on July 1, 2015, the address on this policy was changed to [redacted] effective July 2, 2015 at your request. The annual premium was reduced from $813 to $740. A Declarations page issued to you July 1, 2015 confirming the adjustment. A $61 pro-rata credit was applied to the policy lowering the policy balance to $12. A withdrawal notification issued to you June 29, 2015 advising $73 would be deducted from your bank account on July 14, 2015; however, since the policy balance had since adjusted to $12, the deduction amount in turn would have been reduced to $12.
In your correspondence to the Revdex.com, you requested removal from the EFT billing method. Therefore, I removed this policy from EFT billing and placed this policy on pay-in-full direct billing. A $12 bill will be issued to you (by mail) July 14, 2015 due August 3, 2015 reflecting the outstanding policy balance due.
Mrs. [redacted], you are a valued customer and we hope to continue to provide for your insurance needs. A billing history is also enclosed for your review. If you have further questions or concerns, please contact me directly and I will be happy to assist you.
Sincerely,
[redacted]
Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Phone: [redacted] Fax: [redacted]
Enclosures

Re: Complaint #: [redacted] [redacted]       
 To Whom It May Concern:   Thank you for sending your inquiry regarding the above customer complaint.   Our records show the automobile policy was issued with...

two vehicles effective September 21, 2012.  On March 5, 2013, the insured requested the second vehicle be deleted and we processed the change as requested.  Upon review, we agree to amend the ** and [redacted] coverages to non-stacked limits per the 2013 endorsement and offer a refund. The refund will be mailed to the insured shortly.  If the customer needs any further information, please contact our customer service team at [redacted] Thank you for your time in this matter. Sincerely, [redacted] Senior Compliance Analyst

Policy # [redacted],  Billing # [redacted].  A flat cancellation request was received on 6/29/16 on a new business policy that was previously bound and issued effective 4/7/15.   Since coverage was bound 4/7/15 and the cancellation request wasn't  received in our office until...

over 2 months later, underwriting agreed to offer a pro-rata cancellation eff 6/11/15. The 6/11/15 date is the date that the cancellation was filled out by the agent.    This decision to offer cancellation eff 6/11/15 was made since our policy would have responded had a loss occurred from 4/7/15 -  6/11/15.Please let me know if you need anything else on this matter. Sincerely, [redacted] Sr Inland Marine Underwriter[redacted]