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. 
When Ms. [redacted] called me, I mentioned that we are very unhappy about the way we were treated and that [redacted] never gave us a reason on why our rate was increased by over 15%.  We didn't even get a response from [redacted] on why we had such a huge price increase without having a claim.  She mentioned that we signed up for paperless option but I don't remember when we did that.  Maybe [redacted] did it on our behalf.  The reason people sign up for paperless option is to save tree but we are still receiving advertisements personalized to our names from Liberty Mutual.  I am not sure how LM can still send commercials but not the notice for this huge price increase.  Also I would still like to get refunded the difference between the two prices even though it's not much.  It's the matter of integrity!  
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. 
Even with what you said (higher cost for everything), there is no justification to increase at such a high rate (15%-20%) for a custom with only one not-at-fault claims in the last five years. Will shop around.   
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. 
I've had an insurance policy with [redacted], Auto Policy - [redacted], MI Coverage from 07/11/2015 to 01/11/2016. In June 2015 I did not have the money to pay for the policy with  Liberty Mutual Group. I do not have internet access and the complaint was closed too soon for me to reply.Regards,
[redacted]

I did receive a declaration page stating the amount of my annual premium $2886.50. However it did NOT AT ALL mention anything about the rate being higher and that the Multi-Policy discount was taken away. It did NOT mention there was an ERROR. It was up to me as the customer to notice the change and up to me to inquire about the change. If I didn’t pay close attention to detail, I probably would have paid the higher rate. This business practice is deception and fraud. The proper business etiquette would have been a direct call to my phone to properly inform me of the error. This did NOT happen. Liberty Mutual was probably betting that I didn’t catch the deception. I’m also aware that in the car insurance industry that there is a very specific margin that ALL can insurance companies work off of. I find it highly suspicious that I went to another well-known carrier to get a very similar quote of $2500.00 for the exact coverage line by line. And yes that quote is with-out getting a Multi-Policy discount. With that being said, I do NOT accept an apology from Liberty Mutual. That apology is merely back tracking and covering the mistake of being exposed with this highly immoral and unethical bait/switch business practice of deception and fraud.

Good afternoon,Attached is the response from the Team Manager.Thank you

Dear Mrs. [redacted],This is in response to your March 28, 2016 correspondence to the Revdex.com. I am truly sorry we lost you as a customer and appreciate the opportunity to respond to your concerns. Thank you for reaching out regarding the balance due on your automobile policy.  My...

hope is to provide the clarity you are looking for.First, I would like to provide a little background.  This policy renewed October 1, 2015 with an annual premium of $2,850.  There were twelve monthly Electronic Funds Transfer (EFT) payments of $237.50 ($2,850 divided by twelve) scheduled to pay your premium in full.  With EFT, payment in arrears is permitted.  Although your policy renewed on October 1, 2015, the first payment was not scheduled until October 30, 2015.  Your $237.50 EFT payment was returned unpaid by your financial institution on November 1, 2015 since the account was closed.  In addition, a $25 returned payment fee was applied to the policy.  The balance due adjusted to $2,875.We were unable to continue the EFT due to the account closure and the billing method was changed to direct bill.  With direct bill, a $4 bill fee applies to each bill issued.   In addition, fewer bills issue which results in a higher payment amount.  Instead of eleven remaining payments of $237.50, you now had nine bills remaining of $294.28 (unbilled balance of $2,612.50 divided by nine + $4 bill fee).  Your balance was adjusted to $2,879 with the bill fee added.A $556.78 ($237.50 past due, $25 returned payment fee, $4 bill fee plus $290.28 current month) issued to you November 30, 2015 due December 20, 2015.  A $556.78 payment was received on December 15, 2015 and your balance was adjusted to $2,322.22.Your next $294.28 bill issued to you on December 30, 2015 due January 19, 2016. When this bill was not paid a $588.56 ($294.28 current month + $294.28 past due) bill issued to you February 1, 2016 due February 21, 2016.  Your balance was adjusted to $2,330.22 with the $8 in bill fees.  A $588.56 payment was received on February 5, 2016 and your balance was adjusted to $1,741.66.  Another $294.28 bill issued on February 29, 2016 due March 20, 2016 with $4 bill fee.  Your balance was $1,745.66.  However, no payment was received in response to this bill.This policy was cancelled at your request effective March 1, 2016.  After the cancellation, a $1,670 credit was applied to the policy balance for the unused portion of the policy term.  This adjusted your balance to $75.66.  We issued a final $75.66 bill to you March 4, 2016 due March 24, 2016 reflecting the premium owed for coverage afforded through the cancellation date.  I enclosed a billing history detailing all the transactions.Thank you for your $75.66 payment received March 28, 2016.  This policy currently reflects a zero balance.  Mrs. [redacted], thank you for contacting us with your billing questions.  Again, I am sorry we lost you as a customer and I hope that I have answered all of your questions today.  If you have any other questions or feedback to share, please do not hesitate to reach out to me directly at any time—I will be more than happy to assist you.Sincerely,[redacted] Associate Customer Care SpecialistCustomer Care UnitPersonal Insurance Distribution OperationsPhone: [redacted]  Fax: [redacted]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]

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. I am arguing the fact that someone from your company told me I can file the vandalism all under ONE claim regardless if it occurred on more than one occasion. To top it off the way I've been talked to by [redacted]/liberty mutual staff is unacceptable. The fact I was called a liar and was accused of vandalizing my vehicle myself and looking for an issuance payout (even though I have asked repeatedly for the check to be sent to the body shop) wasn't even addressed.Regards,
[redacted]

March 20, 2015Revdex.com oDear Sir or Madam:I am writing in response to the March 10, 2015 follow-up to the complaint filed by [redacted] with the Revdex.com (“Revdex.com”) on March 2, 2015 regarding the life insurance policy listed above.  In his follow-up complaint to the Revdex.com, he asked Liberty Life Assurance Company of Boston (“Liberty Life”) to apply all payments to the outstanding loan and waive the loan interest.   Our service center management has been in contact with Mr. [redacted] several times since this follow-up complaint was received.  They provided him with further explanation of the payments that were received and Mr. [redacted] verbally conveyed to Liberty Life the debits from his bank account.  In comparing Liberty Life’s records with Mr. [redacted]’s records, both loan payments and premium payments were not made during all of the months in question. Management has informed Mr. [redacted] that we cannot apply all of the payments we received directly to the loan because that would cause his policy to lapse for non-payment of the premiums due.  Mr. [redacted] has agreed to pay the premium amount that is needed so that Liberty Life is able to apply all of his previous payments as loan repayments.  Upon receipt of that premium payment, Liberty Life will promptly make those adjustments.  In addition, as a courtesy to Mr. [redacted], Liberty Life has agreed to waive a total of $271.30 in loan interest.If you have any questions or concerns, please contact me at the address listed below.

Please see the attached response to complaint # [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. We not getting any where just going back and forth I need to pay $224 dollars I'm not satisfied with the out come cause it's seems like I'm paying more money but I will never deal with this company again I don't appreciate how I was treated that's why I left and you all still sent me to collection without sending me bills I CONTACT you all nothing was sent to me but a collection bill thanks for nothing just won't refer or communicate with this company again thanks
Regards,
[redacted]

Hello -
Please see attached response along with a copy of the denial letter and appraisal.
Please let me know if you need additional information.
[redacted]
Liberty County Mutual Insurance Company

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. 
I received a letter from the collection agency and they informed me that I owed for January and February I told them those payments came directly from my bank account.  They asked me to send them copies of bank statements proving that I did. I was told that info would be sent to Liberty Mutual.  I did not hear back, so I called them the last week of July and they informed me that Liberty Mutual had them to close out the account I took this as I did not owe them any thing else.  Then all of a sudden I am getting phone calls from another collection agency now say I owe for March and April.  I cancelled in April and Liberty took a payment on April 4, now Liberty Mutual is talking about the payments they are asking for has to do with being part of a cancellation policy.  I still say they are lying and we spoke to one of their representatives in April and told them we plan to change carriers and they said we had the right to do that and did not mention ay of the bull they put in their response.  I want further investigation done on this company, because they had a class action suit against them last year for writing false claims.
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. 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. 
 
Regards,
[redacted]

Dear Mrs. [redacted], This is in response to your July 25, 2016 correspondence to the Revdex.com.  I am truly sorry we have lost you as a customer, but am happy to answer your questions in the hopes of providing you with the clarity you are looking for.Please accept my apology for...

your unfavorable service experience.  I regret any misunderstanding regarding your balance due after the policy was cancelled.  I have provided feedback to the appropriate management to ensure your service experience is reviewed and addressed.  Regarding your balance owed, I would first like to provide a little background.  Your auto policy was created on October 1, 2011 and renewed each following year, most recently on October 1, 2015 with an annual premium of $3,662.73.  This policy was cancelled at your request on April 29, 2016. When you first set up the policy, you elected monthly Electronic Funds Transfer (EFT) billing as your preferred payment method, which continued for the renewal term.  There were twelve EFT payments of $305.23 scheduled to pay your premium ($3,662.73 divided by twelve).  We received six payments of $305.23 totaling $1,831.38 and your balance due adjusted to $1,831.35.Per your request on April 25, 2016 we discontinued the EFT and the billing method was changed to direct bill.  With direct bill, a bill fee may apply to each bill issued.   In addition, fewer bills issue with direct bill which results in a higher payment amount.  Instead of six remaining payments of $305.23, you now had four bills remaining of $457.84 ($1,831.35 divided by 4).A $460.84 bill ($457.84 + $3 bill fee) issued May 2, 2016 due May 22, 2016.  However, no payment was received. You balance was adjusted to $1,834.35 with the $3 bill fee added.This policy was cancelled at your request effective April 29, 2016.  After the $1,211.12 cancellation credit was applied to the policy balance, there was a remaining balance due of $623.23.  A $623.23 bill issued to you May 4, 2016 due May 24, 2016.  This amount reflects the premium owed through the April 29, 2016 cancellation date based on the short-rate provisions applicable to this policy.  When your policy was first established, you may recall receiving a new business packet, which outlined some information on policy cancellations, including money owed after cancellation. It states that if a customer cancels a policy mid-term, there is a “short-rate provision,” or penalty, applied to the balance owed.As we did not receive your final payment, we forwarded the $623.23 balance to a third-party collections vendor, [redacted], which is how all unpaid balances on cancelled policies are managed at Liberty Mutual. I apologize if you were surprised by this course of action, but it is one we must take when we do not receive final payments on cancelled policies.  The $623.23 balance remains due. I enclosed a billing history detailing all the transactions. In summary, this policy was active for seven months. However, we only received six monthly payments.  The amount of payments received plus the short rate provision resulted in the final balance due.Mrs. [redacted], thank you for contacting us with your billing questions. Again, I am truly sorry that we have lost you as a customer, but I hope that I have answered all your questions today. If you have any other questions or feedback to share, please do not hesitate to reach out to me directly at any time—I will be more than happy to assist you.Sincerely,[redacted] [redacted]Associate Customer Care SpecialistCustomer Care UnitPhone: [redacted]  Fax: [redacted]Enclosure

Dear Mr. [redacted],
This is in response to your additional concerns as stated to the Revdex.com regarding your previous homeowner policy. I appreciate the opportunity to further respond.
This policy renewed on February 22, 2014; however, the first Electronic Transfer (EFT) withdrawal was not submitted to your financial institution until March 17, 2014.
Your annual premium was $2,930. When a policy is cancelled, we credit the policy balance for any unused days (unearned premium) remaining on the policy term. This policy was in force from February 22, 2014 through November 11, 2014, or 262 days. At the time of cancellation, the policy balance was $976.64. Since the policy term is 365 days, we credited your policy balance $826.46 as indicated on the billing history previously provided to you. This amount reflects 103 days of unearned premium credit, or the unused portion of your policy term. After this cancellation credit was applied, the remaining balance due is $150.18. This $150.18 balance is not a fee for cancelling your policy, but is premium due for coverage afforded through the November 11, 2014 cancellation date. The $150.18 remains due.
Mr. [redacted], please feel free to contact me directly if you have any additional questions or concerns. I will be happy to assist you.
Sincerely,
[redacted]Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: [redacted] | Fax: [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]

Dear Mrs. [redacted],This is in response to your correspondence to the Revdex.com. I am truly sorry to hear after many years as our customer you decided to cancel your policy. I appreciate the opportunity to respond. Please accept my apology for your unfavorable service experience. Our...

objective is to be responsive to our customers’ needs and to provide courteous and knowledgeable service. I regret this is not consistent with what you described. Feedback has been provided to the appropriate management so we may review what we could have done differently to ensure a positive experience for a valued customer.However, with respect to your concern that you never heard back from us after you reached out, our records reflect we reviewed the policy to see if there were any opportunities for savings and attempted to contact you by telephone on October 3, 2016. We were unsuccessful in reaching you so we left a message for you on October 3, 2016 confirming you had the best rate we could offer. Regarding your premium, while we always strive to give our customers the best price possible, sometimes factors like increasing costs of repairs, medical expenses, and extreme weather call for a review of our prices. I am unable to speak to the premiums offered by alternate insurers. Each insurance company calculates its own rates partially based on past loss experience and expenses. There is no universal rate charge by all insurers. The products and services offered may also differ. With your renewal packet issued on August 25, 2016 (over one month prior to the renewal date) there was information outlined regarding policy cancellations, including money owed after cancellation. It states the following: If the named insured or a premium finance company cancels this policy, the premium owed or premium refund due will be calculated according to the short rate provisions contained in our manuals. If we cancel this policy, any premium owed or premium refund will be calculated on a pro-rata basis. However, making or offering to make the refund is not a condition of cancellation. You spoke with a customer service representative on October 6, 2016 and indicated that you had coverage in place to start the next day. This policy was cancelled at your request effective October 7, 2016. Your balance prior to the cancellation was $3,504.08. After the $3,259.80 cancellation credit was applied, your balance adjusted to $244.28. If the policy had been cancelled with no penalty, your credit after cancellation would have been $3,478.48, a difference of $218.68. The short-rate penalty is therefore $218.68. While we acknowledge you have been a valued customer for many years and regret you were not anticipating the premium balance due, please understand that the short-rate was applied in accordance with your policy provisions. We had previously notified you in writing of the short-rate provision and are unable to make an exception. Mrs. [redacted] we appreciate the time you allowed us to provide for your insurance needs. I hope that I have answered all of your questions today. If you have any other questions or feedback to share, please do not hesitate to reach out to me directly at any time—I will be more than happy to assist you.Sincerely,[redacted] [redacted]Associate Customer Care SpecialistCustomer Care Unit[redacted]

Better...

Business Bureau:
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]