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 be advise that in my opinion the adjuster did not review any of... my documentation relating to this claim. I received a completely different response that does not cover the accident as it is stated on the police report. This evidence support my assertion that Liberty Mutual has not evaluated my claim objectively, and has been completely bias in this claim against their customer. Please carefully review attachments. 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 Dear whoever gets this messageI paid so that I don't get sent to collection because of YOUR MISTAKERegretting the so called "miscommunication" is not enoughYou as a large company should be able to figure that out by yourselfI am outraged with liberty mutual and I will make sure to do everything in my power to spread the word of your so called "miscommunication"The should have been covered by Liberty Mutual because if is liberty mutuals fault for this "miscommunication" and not mineI did everything right on my side of the dealLiberty mutual DID NOTI would appreciate a full refund and that liberty mutual completely erases my name and info from their systemAfter this I do not want to be ever bothered by liberty mutual and anyone who's affiliated with themLiberty mutual is a company I would never trust again and this issue should have been resolved in a completely different way considering that liberty mutual messed up by not informing the customer about this ON time and not after the customer (me) has already switched to a way better company who actually treats their customers properlyI urge liberty mutual to make things better by honoring the following requestsRefund of to me because of your inability to ooperate correctlyErase my name and info from your system and never call, email, text me again 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 [redacted] from Liberty Mutual did contact me and requested the additional information I did fax her the additional information that she wanted on June 8th in which that is the day she told me to sent it since she said she was going to be out of the office last week I received a message from her today June 9th that now wanted to know if I had any pictures of the before and after picturesLiberty had someone come out and take pictures of all of my things including my furniture and a person name [redacted] had those pictures at Liberty This is ridiculous and is stressing me out I complied to what they need and it is never enough they keep wanting more This was not my fault that this happened to my furniture it was the company that is insured with Liberty MutualAsof 2:pm today I have not had a response from Liberty since I left a message this morning with [redacted] telling her that she should have those pictures I feel like they are just trying to dray their feet in hopes that I will just say forget it Regards, [redacted]

Upon receipt of the customers initial complaint, our insured's representative spoke with the vet that examined the dog in question Dr [redacted] advised that [redacted] had too many chronic/pre-existing conditions to determine if the dentastick played any role in her current illness Our representative was further advised that ***'s vet felt the dentastick was highly absorbable and her symptoms were more than likely related to her underlying diabetes Further investigation revealed the batch samples for this product were within specifications.Based upon the above information, we advised the customer that we were unable to find where the product was defective and/or the proximate cause of ***'s illness, therefore her claim was denied If the customer has any additional information, we are happy to re-open the file and investigate the matter further if needed

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 belowNot one time was I ever told that I had anything due when we cancelled the policyAnd by us changing before the next draft I should not have owed anything Regards, [redacted]

RE: Homeowner Quote Dear Mr [redacted] , This is in response to your February 26, correspondence to the Revdex.com regarding the telephone call you received concerning a recent homeowner quoteI appreciate the opportunity to respond to you and apologize for the inconvenience this matter has causedWe value your personal privacy and appreciate your willingness to share your experience We have affiliations with third parties (including insurance brokers) and receive referrals when potential customers are seeking insurance quotesAlthough I am unable to speak for the company who contacted you, today I removed your name from our contact list so you should not receive any telephone calls directly from Liberty Mutual Insurance In addition, I am currently researching the source of your referral so feedback may be provided to prevent a recurrence of your concernIf you have any additional information to provide that may assist me with my research, or if you have any additional questions or concerns, please feel free to contact me directlyI will be happy to assist you Sincerely, [redacted] Customer Care Specialist Customer Care Unit Personal Insurance Distribution Operations Tele: ###-###-#### | Fax: ###-###-####

Dear [redacted] , This is in response to your additional concerns stated to the RevDex.com on June 11, 2015. I appreciate the opportunity to further respond and apologize your service experience did not meet your expectations. Our records indicate when you contacted us on October 15, 2014 you advised you were only in need of the November 7, 2014 renewal policy for six months as you were moving. Therefore, I amended the cancellation effective date to May 7, 2015. After cancellation, a $1 refund issued to your credit card reflecting the credit due after the amended cancellation date. While we appreciate your concern, your previous correspondence indicated you remitted the premium in full for the six months of coverage requested. I cancelled this policy after the six months consistent with this timeframe. Although we previously issued a bill to you for $7, you never remitted the additional premium payment. Instead, the balance due was adjusted accordingly when the cancellation date was amended. [redacted] please feel free to contact me with any additional questions or concerns. Sincerely, [redacted] Customer Care Specialist Customer Care Unit Personal Insurance Distribution Operations Tele: ###-###-#### | Fax: ###-###-####

March 20, 2015Revdex.com oDear Sir or Madam:I am writing in response to the March 10, follto the complaint filed by [redacted] with the Revdex.com (“Revdex.com”) on March 2, regarding the life insurance policy listed above In his follcomplaint 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 follcomplaint 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***’s records, both loan payments and premium payments were not made during all of the months in questionManagement 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***, Liberty Life has agreed to waive a total of $in loan interest.If you have any questions or concerns, please contact me at the address listed below

Liberty Mutual response

This matter has been resolved with Ms*** Our adjuster had been corresponding regularly with Ms [redacted] regarding the total loss value of her vehicle She was initially not in agreement with the value because her loan was more than the vehicle value The team manager got involved in the claim and spoke with Ms***, discussing our position on the settlement value, and explaining that our value was in compliance with CT guidelines for total loss evaluation Ms [redacted] identified some aftermarket items that had not been seen in the vehicle photographs and were not included in the value After adding in value for these aftermarket items, Ms [redacted] agreed to the settlement A settlement was reached on 12/and we are currently awaiting a document from her so payment can be issued

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]

To Whom It May Concern:I have attached the letter that was sent directly to Mr [redacted] in response to his recent complaintPlease advise if there are any further questionsThank you, [redacted] Claims Team Manager [redacted] ext:***

This is in response to your March 24, correspondence to the Revdex.comI appreciate you taking the time to speak with me on March 25, regarding your previous homeowner policyPlease accept my apology for the delay in your refundI regret the inconvenience this matter has caused This policy renewed effective May 27, and cancelled at your request effective February 20, A $refund check issued to your residential address on February 17, reflecting the credit balance after the cancellation On March 14, you contacted our customer service department to inquire about the status of the refund check as you had not yet received the checkA stop payment was placed on the February 17, refund check and the check was re-issued to the same address on March 17, After speaking with you on March 25, 2015, I placed a stop payment on the March 17, refund check as you advised you still had not received the checkAt your request, a $Automated Clearing House (ACH) refund was issued to your bank account on March 30, Please allow 3-business for receipt Ms [redacted] , we are sorry to have lost you as a customerPlease feel free to contact me with any additional questions or concernsI will be happy to assist you

Dear Ms [redacted] ,This is in response to your January 15, correspondence to the Revdex.com regarding your automobile policy I appreciate the opportunity to respond to your concerns It was a pleasure speaking with you January 22, I apologize for any miscommunication regarding the billing on your automobile policy [redacted] (previous)This policy initiated effective October 26, A $down payment credited the policy balance October 14, However, this policy should have had an earlier effective date and was therefore cancelled and rewritten to policy [redacted] The $was transferred to the new policy [redacted] (current)This policy initiated effective October 14, The $payment transferred from the previous policy was credited the policy balance October 17, You selected monthly Recurring Credit Card (RCC) as your preferred payment method with a payment date of the fourteenth Since the fourteenth was a weekend, the first payment was scheduled for the next business day, November 15, However, you contacted our customer service department November 14, and indicated you did not anticipate a payment being processed in the month of November We therefore removed your policy from the RCC payment method to prevent the November payment from processing We advised you to contact us to review the payment methods available for future payments.You contacted our sales office November 17, and set the policy back on the RCC payment method with a payment date of the fourteenth Your next payment was then confirmed for December 14, However, you contacted the sales office again December 8, and our records reflect a payment date of January 4, was discussed; however, the December 15, payment was not stopped The December 15, RCC payment was declined after several attempts to process the $payment You contacted the sales office January 2, after receiving an email notification of the declined December payment You indicated you had previously cancelled the credit card we had on file and we therefore obtained correct account information from you and set the policy on monthly Electronic Funds Transfer (EFT) at your request You were advised the next payment would be processed on January 14, and an EFT withdrawal notification issued to you January 2, indicating a payment of $would be processed January 14, However, you contacted us January 15, advising you did not anticipate the $payment coming out of your account We therefore transferred $of that payment back to your account January 19, This policy was previously removed from EFT billing January 15, after you requested cancellation of this policy However, later that day you indicated you did not intend to cancel this policy and requested reinstatement This policy currently remains active at your request As we discussed, a $bill issued to you January 20, due February 9, However, you stated you will be contacting us to provide authorization for the monthly EFT payments at a later date In addition to your sales office, we have an entire team of customer service representatives ready to assist you well into the evening hours We hope to prevent any future misunderstandings regarding your policy Ms [redacted] , you are a valued customer and we thank you for allowing us to provide for your insurance needs I enclosed a billing history 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 SpecialistCustomer Care UnitPersonal Insurance Distribution OperationsPhone: [redacted] Fax: [redacted] Enclosure

Dear Mr [redacted] , This is in response to your May 29, correspondence to the Revdex.com regarding your recent auto claim filed against [redacted] ***’s policyI appreciate the opportunity to respond to your concerns.The loss to Liberty Mutual on 5/14/at 5:PMThe loss indicates [redacted] was operating our insureds vehicle; she was not listed on the policyWe immediately scheduled your vehicle for an estimate which was completed the next day (5/15/15)Our insured [redacted] called on 5/14/at 9:PM and spoke with our after hours teamThe after hours team collected our insureds message; however we were unable to verify that [redacted] had permission to operate our insureds vehicleFrom 5/14-5/we attempted to contact our insured on multiple occasions through various channels including telephone, letters and emails with no successOur claims system reflects that we interacted with you five times from 5/14-5/During these conversations our goal was to keep you informed with the progress, setting clear expectations that we must confirm permissive use and facts of loss prior to assisting withdamages Our claims system reflects that all voicemails were returned on the same day or next day when left after hoursOur standard message includes the option to hit zero for immediate assistance as anyone on the claims team can provide immediate assistance, it appears you took advantage of that optionThe auto accident report was received on 5/27/The report confirms the operator of our vehicle rear-ended your vehicleThere were no indicators that Mr [redacted] granted permission for her to drive the vehicle It wasn’t until 5/29/that we received notification from Mr [redacted] that Ms [redacted] had permission to operate the vehicleWe immediately accepted liability and have issued payment for the damages to your vehicleSince this complaint was filed we believe we have resolved your concernsWe do apologize for the delay in handling; however we needed to confirm the vehicle was used with permission[redacted] Claims Team Manager Liberty Mutual Insurance [redacted] , MD ***Phone: ###-###-####, Ext***Fax:###-###-####Email: [redacted] @LibertyMutual.com

Dear Ms [redacted] , This is in response to your May 7, correspondence to the Revdex.com regarding your homeowner policy I regret your service experience did not meet your expectations and appreciate the opportunity to respond to your concerns This policy initiated effective June 10, You selected monthly Electronic Funds Transfer (EFT) as your preferred payment method at the policy inception You contacted our customer service department December 23, and we removed you from EFT and placed you on monthly direct bill at your request Our customer service department spoke with you again on December 30, and January 9, to discuss the billing on your homeowner policy Our records do not reflect a request to cancel the policy at this time After consecutive bills issued to you December 29, and January 29, remained unpaid, a cancellation notice issued to you February 23, advising a minimum payment of $was required prior to March 10, to prevent cancellation of this policy No payment was remitted and this policy cancelled effective March 10, for non-payment of premium After cancellation, a $bill issued to you March 17, due April 6, reflecting premium due for coverage provided through the March 10, cancellation dateThe $payment was not received and the balance was referred to collection April 27, Liberty Mutual Insurance uses a third party vendor, [redacted] ( [redacted] ), to secure past due premium owed for cancelled policies Policyholders are referred to [redacted] when their policy has cancelled and the balance is not paid within days after the final bill due date You stated in your correspondence to the Revdex.com that you obtained new coverage in January Please forward a Declarations page indicating the date alternate coverage was obtained and I will amend the cancellation date to correspond with this date The balance due will be adjusted accordingly Since our records do not reflect a prior request to cancel this policy, we are unable to waive this requirement Ms [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.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 # ***Please add your rejection comments below.
The dimished value of a car is determined at 35% of the total of the cost to repair which for my car was $9,so 35% of that would be $3,not to mention that my car had frame damage and the % usually goes up to 40% with thatI just want was is fair!!! I was not at fault in the accident I was stopped making a turn and yet I am the one still suffering for this!! I can no longer trade my car in because it has frame damage!! My car should have been totaled out!!
Regards,
*** ***

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 # ***Please add your rejection comments below.
[You cannot be trusted so why would I want to contact you with further questions or concerns?]
Regards,
*** ***

You submitted a claim with a disability commencing November3, 2015. For the *** plan, a disabilitymeans a sickness or injury (including pregnancy) that:Prevents or limits you fromperforming the material and substantial duties of your regular occupationRequires the regular attendanceof a
physicianCausesyou to lose 20% or more of your earningsMedical records on file are summarized as: 11-4-2014: She presents with complaint of lower back pain.States lower back has been bothering her for the past year. Sitting and walking increases the pain.Patient believes her lower back pain is a result of constants stress at workand poor ergonomics. Rates pain 7/10.Plan:patient advised to present to clinic times per week for weeksShould beable to return to work week of December 4, 2015. To assist in clarifying your functionally and any associatedrestrictions or limitations, we conducted a clinical reviewThe clinicalreview is summarized as:Based on the evidence reviewed reasonable restrictions ofposition changes as needed when sitting continually is supported due to chroniclow back pain until the symptoms resolveThe evidence notes mild findingsrelated to lower back and neck but is not consistent with serious pathologyresulting in functional impairment.Your *** claim was denied December 31, on the basisthat our review did not support that you were disabled as defined aboveOur December31, denial letter explains the basis for this determination. In the December 31, denial letter, wefully advised you of your ERISA right torequest a review of the denial determination and to submit any additionalinformation in support of your claim.Additional medical information received is summarized as:1-22-2015: Presents for evaluation of back painShe notedwith sitting that she has significant exacerbation in pain and has been makingmistakes at work as a result of painShe emphasizes that back pain is limitingher ability to workX-ray lumbar spine with facet arthropathyL5-SMRIdemonstrates L4-5, L5-Sdisc bulgingShe denies arm symptoms, there is no reported radiation intolegs.1-26-2015: She may return to work February 16, 2015.1-27-2015: I sent her to neurologist who recommended restfor weeks and perhaps an EMG.Liberty Life conducted a subsequent clinical summarized as:On11/1/you treated with *** reporting lower back pain radiating to yourright lower extremity with muscle aches*** outlined that you weretaking ***{anti-inflammatory}and *** {muscle relaxer}The exam was limited and revealed positivestraight leg raise {used to diagnose lumbar herniated disc} and decreasedsensory of the right greater than the left lower extremityOn 11/15/youreported ongoing back pain on and off, with difficulty sitting and walking**.*** noted you were attending physical therapy {pt}On11/29/***noted that you had been very good, but the pain continued to radiate to yourlegYou reported being able to bend that dayLow back pain, neck andgeneralized anxiety disorder were outlinedThere were no medication ortreatment plan changesOn 12/13/you reported ongoing symptoms and nottaking your *** {analgesic to treat nerve pain} secondary to fear ofside effectsRe-starting *** was advisedOn 1/17/you reported ongoingpain although feeling better when you take medicationsThere were no examfindings, medication changes or changes to the treatment planAn undatedRestriction form outlined sedentary restrictions and a return to work date of12/1/On 11/4/you treated with **Alebiosu for ongoing symptomsTheexam revealed decreased cervical extension and flexion, and tenderness andspasms to the upper and lower back, although strengthYou reportedfeeling better after treatmentweeks of treatment advised {there are noadditional treatment notes available}On 1/22/you treated with *** forongoing symptoms*** endorsed previous treatment to include physicaltherapy {started 10/2014} and an X-ray and subsequent MRI {L4-5, L5-Sdiscbulge, with a patent foramina}You continued to deny taking the *** todateYou denied arm symptoms, bowel/bladder dysfunction, radiating symptoms toyour legs and anxiety/depressionThe physical exam was normalAn EMG {recordselectrical activities of skeletal muscles} was ordered, continue physicaltherapy, gradually start *** and out of work through 2/16/advised.Given the ongoing symptoms, with minimal exam findings and additional treatmentto include referral to neurology and EMG, restrictions and limitations of nolift /carry/push/pull greater than pounds occasionally and positionalchanges as needed while sitting continuously are reasonably supported from11/3/through 2/4/This allows time for further progression in physicaltherapy, as well as completion of testing and follow up with ***Thereare no mental nervous restrictions and limitations as they relate to thereported anxiety as there is no evidence to show marked functional impairmentrelated to a mood disorderThere are no mental status exams, no medicationsadvised and no further escalation in treatment to include referral to a mentalhealth provider. Liberty Life notified you by our letter dated February 20,that we had completed our review of your request for reconsideration ofthe denial of your *** benefits and determined that you were not disabled asdefined above. Your claim was denied on the basis that the medicalinformation on file did not support that you were disabled as defined above

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 # ***Please add your rejection comments below.
Claim #*** *** ***: I
decided not to collect diminished value because it will be report to the *** even though the other party was 100% at fault and holding Liberty Mutual insurance.Claim #*** *** ***: *** *** Motors didn't buffed out any scratchesIf you think they did it let me know, this is fraud practice from *** ***I decided not to pursue on this claim.Claim #*** *** *** : I called back upon receipt of the check to cancel and check and do the stop payment. *** was ignorant and didn't do until I called back again in Mar 25, I decided not to pursue on this claim.Claim#*** *** ***: It was not repeated hits or wear & tear, *** *** said it can happened again with any road that has slope or if I take the car to *** library againI decided not to pursue on this claimThis was not *** but *** car.*** report incorrect dollars amounts and points to the *** and *** which I have to find out on Mar 25, namely report $with points on Claim#*** *** ***, reporting I have inform *** to provide me the contact of Customer Relationship board to resolve this prior to taking action in the justice system, but it was never resolved.Yes I will not tolerate *** putting these claims above in *** report except
claim #*** *** *** because there was a police report file by me. Failure to remove claim #*** *** ***,
claim #*** *** *** and claim#*** *** *** will end up in the justice system.
Regards,
*** ***