Advanced Mechanical Corp.

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

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** *** ***

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 #***I understand that by choosing to accept the
business response that my complaint will be closed as resolved.
Regards,
*** *** ***I don't agree with it but I want this to be over with. We never received any e-mails with monthly statements and the only thing we have with any kind of information about canceling on all paperwork is that is says to contact our agent which we did do.***

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. 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.
The letter from Safeco stated they "are unable to offer buy back option to the insured at this time." What this should have said is that they "are UNWILLING to offer buy back option to the insured at this time."Vehicles are purchased every day in this country, and paperwork is filed and refiled. It really should not be that difficult to file new paperwork. I am even willing to pay for this refiling
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.
[I feel that this should have been explained at time of purchaseTherefore I would have GAP through the dealer, everyone keep telling me GAP is Gap]
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.
My Insurance company and me have sent this form over to Liberty Mutual several times attempting to cancel, to several different email addresses given to us by Liberty MutualI have also sent them a copy of my complete auto insurance policy as proof, but they refuse to cancel
Regards,
*** ***

This is in response to your April 1, correspondence to the Revdex.com regarding your automobile policy I attempted to contact you by telephone; however, I was unsuccessful reaching you I appreciate the opportunity to respond to your concerns Our records reflect
you obtained an online automobile insurance quotation February 8, through our internet quoting system which allows users to enter their personal information, details regarding their automobile and select their own coverage limits The down payment may be remitted and the policy bound by the internet user This policy was implemented by you online effective February 9, and you remitted a $1,payment at inception After this policy was implemented, a review of the Massachusetts Registry of Motor Vehicles revealed inconsistencies with the information you entered online including a previously undisclosed lapse in insurance coverage which affected the premium On February 10, the annual premium was subsequently adjusted to $2,effective February 9, An attempt was made to contact you by telephone to confirm this adjustment; however, we were unsuccessful reaching you. A new business packet issued to you on February 10, including the enclosed Coverage Selections page confirming the $2,annual premium applicable to this policy. On February 16, 2015, you completed an online policy change to increase the collision and comprehensive deductibles from $1,to $2,effective February 16, The annual premium was adjusted from $2,to $2, A pro-rated credit of $was applied to the policy balance An updated Coverage Selections page issued to you confirming the change A $1,bill issued to you March 9, due March 29, reflecting the additional premium due for the policy term You contacted our customer service department March 11, and requested cancellation of this policy However, since you indicated your vehicle registration remained active, we advised you that you must maintain active insurance on the vehicle.In the state of Massachusetts, the new insurer must notify the prior carrier in order to cancel the policy The most common form of verification is a 2A form bearing the registry stamp of the new insurer and on company letterhead issued by the new insurer or signed by the producer for the new policy This policy was cancelled effective March 23, upon receipt of the required 2A form indicating the date alternate coverage was obtained The new business packet previously issued to you also included the applicable short rate cancellation provision:If the policy is cancelled by you or by law, you will get a refund which is less than proportional to the time involved It will be based instead on a short rate table which compensates us for our expenses in servicing your policy. A $1,refund check issued to you April 1, A billing history is also enclosed for your review Ms***, if you have further questions or concerns, please contact me directly and I will be happy to assist you

Attached please find our response to the referenced complaint

Attached please find our response to the rebuttal

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.
This is bt nothing you stated here makes sense whatsoever and they do not need my interview to proceeds the claim I know this because my attorney chewed her as out and she called me that offering a rental WITHOUT my interview! Please donor respond you fuxn suck ]
Regards,
*** ***

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 complaintThey are saying they never received any cancelation notice from meI called and isn't it convenient that they have On record that I called on sept ,but no record that I canceled the policy that same dayThere employee error , not mine. Also I received only one bill for the and that was after the so called grace period I didn't ask forI never received any so called email from them eitherNowhere in my policy does it say that if I do not pay my premium that they will extend it and charge me for the extension if they do not receive my premiumit also does not say in the policy that if I do not cancel they can still bill me and make me pay for itI read the whole policy. Also it is my business if I did not Have any other insurance in that timeit is my home not theirs. And that is between me and my mortgage companyWhen I canceled, it is no longer their business. I was contacting other ins companies for quotes and waiting for them to call me backI DO work and don't have a job were I can just make phone calls whenever I wantWe kept missing each others phone callsfinely connected with one insurance co with a decent rateHalf of what liberty mutual wanted to charge meAnd if I would have received a letter from them about them giving me a grace period right away I sure would of been on the phone letting them know I didn't want it because I had already canceled it,but that call probably would have gotten missed placed tooAnd one thing I would like to say is that if my house would have burned to the ground in that grace period, my call from me canceling it would have appeared, no problemYou cant make someone pay for something they did not wantI never heard of such a thing and never dealt with anybody like this beforeI see it as they are mad they lost a customer and are trying to get every cent they can out of meGoes to show how much they kept raising my ins premium when I never had any claims with them. This is totally nonsenseI want them to clear this bill that they turned in to collectionMy insurance co I have now even says this is bogus and others I talked to

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.
My God, why do you feel the need to lieThis is a disgraceMY Policy was cancelled, as you indicated, and in order to avoid any lapse in my auto insurance, I immediately paid Nationwide, and has been paying Nationwide the sum of $monthlyI do not need coverage of two automobile insurance PoliciesBecause I was in the hospital, and was unable to check my Accounts, when I found out that you were still debiting Funds from my Account, I immediately informed *** ***Now *** *** has charged me a total of $70- or two $Fee, to file a dispute to Liberty Mutual.*** *** has never returned paymentsI DO NOT OWE liberty mutual ANY MONEYliberty mutual IS A DISGRACE, AND I STONGLY SUGGEST that INSTEAD OF SPENDING MILLIONS ON ADDS, that YOU WORK ON CUSTOMER Service and try telling the truthDishonesty helps absolutely no one. God is alive, and you can rob me while I am down, but you will suffer the consequencesI CANNOT AFFORD A LAWYER, BUT I WILL INFORM ANY AND EVERYONE THAT I KNOW OF THE DISHONESTY OF Liberty MutualI WANT MY MONEY BACKWhat YOU HAVE DONE IS FRAUDULENT- you have wickedly taken advantage of my trustI trusted you and agreed to let you automatically deduct the funds that were dueMy God my God- why? I am at a loss, completely dumbfounded as to why Liberty Mutual felt the need to steal from a 100% disable Vietnam VeteranI drive very little, and my only source of income is my VA disability Compensationyet you have not wasted anytime in abusing my trustI WANT my money backI do not owe Liberty Mutual any moneyThe Policy was cancelled because Liberty Mutual resulted to be incompetent, and dishonestThe Policy was cancelled- coverage with another insurance immediately startedI do not owe Liberty Mutual any moneyI am disable, but thank God, I am not stupidWhat a shame, what a disgrace-the need to fraudulently deduct funds from my AccountGod is alive- he sees and knows everythingBy fraudulently debiting my Account, Liberty Mutual have proven to be nothing but a lowdown, disgraceful corporation- comparable to thieves- criminals. I want my money back!
*** ***

Dear Ms***,
This is in response to your May 20, correspondence to the Revdex.comI appreciate you taking the time to speak with me on May 27, My research has determined you were a victim of insurance fraud and I regret the inconvenience and frustration this matter
has caused
You mention in your correspondence that you initiated the policy with a company by the name of Passionable Styles, a broker for Liberty Mutual InsuranceHowever, Passionable Styles has no affiliation with Liberty Mutual Insurance and the person you spoke with to initiate the automobile policy was an unaffiliated third party posing as an agent
This bogus agent initiated a policy with Liberty Mutual Insurance in your name by remitting a down payment on the policy with a fraudulent bank account, so we never collect any real premiumThe agent in turn keeps the payment you remitted and adds additional vehicles to obtain proof of insurance cards for other victimsEventually, the policy will cancel for non-payment of premium since no premium is collected
Since the policy was fraudulently obtained, we will be rescinding or cancelling the policy retroactive to the inception dateThe balance due will be adjusted to zero and there will be no adverse credit reporting as a result of prior collection activity
Ms***, if you have further questions or concerns, please contact me directlyI will be happy to assist you
Sincerely,
*** ***
Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: ###-###-#### | Fax: ###-###-####

I have contacted *** *** regarding the Revdex.com complaint andthe $charge. Ms*** states that the insured came into her office on1-8-and stated that he had obtained a $quote from ***Theycould not locate the quote and attempted to verify with ***
directly,which was negativeThey ran quotes and the best they could do was $340.00which was with ***The insured was not happy with the quote and theyused their rating system and obtained a favorable quote with SafecoTheinsured signed the application which clearly referenced the premium, theinsured selected the monthly pay option of $a month Ms***states that the insured was watching videos on his phone during the applicationprocess and did not appear to be paying attention On 1-29-the inuredcontacted the agency claiming he had been quoted $164.00, not $Thefollowing day the insured cancelled the policy Ms*** states that the $charge was for DMV reportsand that she will refund the insured the feeShe states that the agency doesnot charge fees for Safeco policies I have attached the signed application and a narrative providedby Ms*** At this time it does not appear that there was any wrongdoing onthe part of the agency as the insured signed the application which stated thepremium (see page of the attachment) Please advise if you have any questions

RE: Personal Automobile Policy Quotation
Dear Mr***,
This is in response to your May 21, correspondence to the Revdex.com regarding your recent experience obtaining an online automobile policy quotationI appreciate the opportunity to respond to your concerns
Liberty Mutual Insurance values you as a prospective customer and takes your personal privacy seriouslyWe are committed to protecting the privacy of any personal information provided to usAdditional information regarding our privacy policy may be found through our website at www.libertymutual.com
Our records do not reflect a recent automobile policy quotation has been provided to youBased on the information included in your correspondence to the Revdex.com, it appears you utilized a third party’s websiteI am unable to determine what occurred with the data you entered
Mr***, if you have further questions or concerns, please contact me directly and I will be happy to assist you
Sincerely,
*** *** Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Phone: ###-###-#### Fax: ###-###-####

Upon reviewing our insured's concerns with our third party tow provider, we agree that the level of service provided fell below our expectations. The first tow provider that was conctated canceled due to being called out for a police tow. At that point, the ETA we provided
to our insured had been met. After dispatching a second tow provider, it was found that the tow truck had the incorrect location. ***, our third party tow provider, has attempted to contact the insured in hopes of being able to verbally apologize for the poor experience. A letter of apology was also mailed to the insured regarding this situation. In addition, a Liberty Mutual representative attempted to contact the insured for an apology and to confirm if there were any out of pocket expenses. We will continue to follow up with the policyholder. Thank you.*** ***Team ManagerCustomer Care Team

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. To whom it may concern,The
reason for rejecting the response is simpleI received a check from Liberty Mutual days ago for about $(receipt attached)I spoke with *** from Liberty Mutual on the phone, and she said that information was missed/mis-handled and that I should not have been found at faultShe was extremely sincere and apologetic, and I could tell in her voiceYour response through the Revdex.com actually offends me, because you clearly did not take the time to investigate my caseAll you did was address my concerns with a blanket response that was not helpful in any wayIf you really cared, you would have taken the time to look at my case and determine what had happened*** actually took the time to look at my case and find where Liberty Mutual messed upAlthough Liberty Mutual did resolve my issue, it was not through this avenueI have written responses on the Revdex.com at my old job and my responses were sincereI reached out to the people who were having issues and spoke with them on the phone, along with typing up the resolutionThis is no resolution because you just stated your facts without questioning what else happened during the month processYou have failed, and me receiving a check for the rental expense AND hearing fee proves this ( I didn't even ask for the hearing fee)Thank god there are people like ***As a company, Liberty Mutual needs to connect with there customers and actually help them, not just cover their as by typing up these bogus "solutions." I hope the Revdex.com understands this and does not agree with your solution
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 # ***Irejected this response becausei feel that liberty mutual discriminated against meWhatliberty mutual did is against business ethicLiberty Mutual misledand misinformed me throughout the claimIn September when iwent to my primary physician, Dr.*** and she diagnosed mewith *** *** syndromeShe gave me medication and suggestedphysical therapyMy condition causes severe back pain ,numbness of the groin and inner thighs, bladder and boweldysfunction, and sciatica type painSevere back pain and saddleanesthesia are considered red flags and require urgent treatmentAsI reported to Liberty Mutual, I had severe back pain and couldn'tsit in my seat at workSo I took off work on November 1st and fileda claim with Liberty Mutual and advised them to follow up with mydoctor and told them everything about my situationThey nevercontacted my doctor and instead called my therapist and got theinfo from him and made a decision based on thatThen they sentme a letter saying my claim was denied because I did not have aserious condition even though my doctor diagnosed me with *** syndrome and said I did not have enough documents to prove myconditionI have X rays and MRI to prove that I have a seriousconditionI went to a neurologist on February 12th and he tookme off work again for weeksI called Liberty Mutual and asked themwhat I should do and they said I should open a new claimI talked to*** and he opened my new claim and I gave him my neurologistinfo and asked him to follow up with himThen liberty mutual calledagain and said I cant open a new claim and have to appealTheynever contacted my neurologistThey left out all the major andimportant info and made the decision without reviewing mycomplete medical recordAll this time they misled me and gave meinfoBecause of Liberty Mutual I have been diagnosed withdepression and am taking the anti depressant Sertraline. Iam sending you guys the proof so you can see for yourselfi do nottrust liberty mutualif I hadn't contacted my doctor I wouldnot have even found out about what Liberty Mutual did. How canliberty mutual deny my claim and say I do not have a severe conditionwhen I do
Regards,
*** ***

*** ***, Manager, contacted you by telephone on January 8, regarding your inquiry to the Revdex.comMs*** addressed your concerns