Advanced Mechanical Corp.

I have unfairly charged interest on this account, which had been paying on time each monthIt would be greatly appreciated if this company put all payment on the loan and take off the interest charged sent June ###-###-####
Regards,
*** * ***

Dear Ms***,
This is in response to your June 5, correspondence to the Revdex.com regarding your previous automobile policyI have been asked to research and respond to you and appreciate the opportunityPlease accept my apology for any miscommunication that occurred
regarding the balance due on this policyI regret the inconvenience this matter has caused
This policy initiated effective August 4, and subsequently renewed each year, most recently effective August 4, with an annual premium of $2,It was cancelled at your request effective the August 4, renewal
At the policy inception, you elected monthly Electronic Funds Transfer (EFT) as your preferred billing method which continued for each renewal termThere were twelve monthly payments scheduled in the amount of $to pay the annual premium in full ($2,divided by twelve, with the final payment adjusted a few cents), with the first EFT payment scheduled for August 30,
We received eleven payments of $233.83, totaling $2,572.13, and your balance due adjusted to $
On July 7, you contacted our customer service department to change your addressYour annual premium adjusted from $2,to $3,with a pro-rated increase of $Your balance due adjusted to $
This policy was removed from EFT billing on July 9, at your request and placed on a monthly direct billOn direct bill a $monthly installment fee is applicable to the bills issuedWe therefore issued a bill for $on July 30, due August 19,
Liberty Mutual uses a third party vendor, Credit Collection Services (C.C.S.), to secure past due premium owed for cancelled policiesPolicyholders are referred to C.C.Swhen their policy has cancelled and the final bill remains unpaidSince your balance remained unpaid, it was referred to collections on October 7,
We received your payment of $on October 31, and your balance due was adjusted to zeroWe automatically notify C.C.Sof any adjustments to the policy balance previously referred to collectionsI regret there was a miscommunication and this process was unsuccessfulHowever, after notified of your concern C.C.Swas advised your balance is satisfiedThere has been no adverse credit reporting as the result of the prior collection activity
Ms***, I have enclosed a billing history which indicates a zero dollar balancePlease feel free to contact me with any unresolved questions or concernsI will be happy to assist you
Sincerely,
*** ***
Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
*** *** * *** ***
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.
I am not staisfied with the respondI have not received any services from Liberty MutualThey have STOLEN my moneyI did not receive any coverage to my homeI received stress & anxiety during the whole processThey have taken months of my personnal time & have also taken many hours away from my work, which has also caused me to lose MORE moneyit started on with the rude women they sent to my home, which came onto my property & my neighbors without permissionshe never made an appointment as was promisedthen it took more weeks to send a manager (more time away from work), who did finally schedule an appointmentThey never sent me any information on the cancellationI found out when I called to add a new car onto my auto policyTo find out that I was not approved after they took my moneyAnd while I was giving them more money(this is not good customer service)it is not the fault of Reliable report, Liberty mutual took my money & didn't provided a service that was promisedThe results of the rude inspector was not accurateI was never asked about the condition of my property when they took my money, I was advised I would have an appointmentWhich never happened until after I took more time away from work to file a complaint with Liberty mutual & reliable reports(more & more issues with the service from liberty mutual) The cancellation noticed that was dated for march 24, however it was not posted marked by the post office until may 5th, more a month after the letter was writtenResulting in no notification of the cancellationThis company has cause me great pain & loss. This is not acceptable & I want my money refunded
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. Although I have requested several times for an explanation on how the roof is now leaking when it wasn't leaking before the storm, the only explanation I've received is from the roofing contractor which says that the wind storm may have damaged the integrity of the shingles and of the membrane underneath, but since there are no missing shingles, it is not apparentAnd he confirmed that this is the same explanation he offered to Ms***However Ms*** chooses to remember only one part of the inspection evaluation, which is convenient to her and to Liberty MutualThe fact is that my roof is leaking after the storm and it was not beforeI find that quite simple, yet some people, namely Liberty Mutual employees, choose to ignore the obvious.And I'm not used to being treated as a child and told that my claims and questions will not be "entertained", but if this is deemed proper language, appropriate tone and common practice at Liberty Mutual, there's not much I can do about it, but I will not tolerate it.I have paid all premiums and policy fees to Liberty Mutual and I do expect to receive in return coverage in accordance with my policy.Regards,*** ***

Dear Mr***,This is in response to your April 1, additional correspondence to the Revdex.com regarding your policies I appreciate the opportunity to further respond When this policy initiated in 2012, you agreed to conduct business electronically by signing the enclosed eSignature and paperless policy terms and conditions which states:“Moreover, you also understand and agree that Liberty Mutual may provide to you in electronic format only, either by email or by posting information on the website where you access your policy information or claim information, including but not limited to notices, billing documents, endorsements, changes to your policy(s) and any other information relating to your insurance policy(s) that would otherwise be mailed to you.”As previously discussed, your policy term is for one year and your premium may subsequently be adjusted at renewal The appropriate notification issued to you prior to the renewal date ensuring you received advance notice of any changes to the policy premium The rating practices and collective loss experience differ for each carrierPremiums are partially based on the amount that is predicted to be paid out in claims that year in your area which may vary for each company The premiums paid appropriately reflect the coverage afforded through the cancellation date and we are unable to refund any prior year’s premium Mr***, if you have further questions or concerns, please contact me directly and I will be happy to assist you

Please see the attached response.Thank you

The customer is concerned with the liability decisionHowever,liability has not been finalized due to additional information pending

Dear Ms***,
This is in response to your April 3, correspondence to the Revdex.com regarding your automobile policyI appreciate the opportunity to respond and regret your service experience has not met your expectations
This policy renewed effective January 6,
with an annual premium of $2,
You elected to pay the policy premium on a monthly direct billWith direct bill, although the policy term is twelve months, only eleven bills are issued to pay the policy premium in fullIn addition, a $monthly installment fee is applicable to every bill issued except the initial billWe therefore issued a $($2,divided by eleven, with the final bill adjusted a few cents) bill to you on December 29, due January 18,
At the end of your January 6, through January 6, policy term, there was a remaining balance due of $We had previously issued a past due bill for this amount that remained unpaidAfter your policy term expired, this balance owed was transferred to the January 6, renewal term and your premium balance due for the renewal was adjusted to $3,to reflect the carryover amount from the prior term
Any residual balance due is billed to you in fullWe therefore issued you a $1,past due bill due on January 27, due February 16, This amount included the previous billed January payment of $and the $balance carried over from your prior term, along with February’s $payment which includes the $bill feeA payment of $was received on February 10, and the balance due adjusted to $3,
Since $remained unpaid from your prior bill, a past due bill issued to you on February 27, due March 19, for $1,($plus $277.82)
When payment was not received, a cancellation notice issued to you advising remittance of $1,was required prior to April 17, to avoid cancellationIn addition a $fee was applied to the policy balanceThis fee is applicable if a non-payment cancellation notice is issued
Our records indicate you spoke with our customer service department on April 8, and made a payment arrangementRather than having to satisfy the full $1,prior to April 17, 2015, the balance due to avoid cancellation is $After the $is satisfied, you will have seven remaining payments due of $($2,divided by seven, plus a $bill fee, with the final payment adjusted a few cents)
You indicate in your correspondence to the Revdex.com that you made a payment of $in March; however, this is not consistent with our recordsThe only payment we received for the January 6, renewal policy was the $payment received February 10,
You indicate your request for escalation was not accommodated and we were not responsive to your concernsHowever, our records reflect you have spoken with our escalation team on several occasionsDue to the extenuating circumstances you described, we made exceptions to the premium dueWe allowed you to defer the $owed from the prior year to the renewal termIn addition, rather than requiring the $1,payment in full, we most recently offered to spread the balance owed over your remaining bills
Our payment arrangements have been equitable and we are unable to make additional payment arrangements with youIf the $is not satisfied by the end of the day on April 16, 2015, this policy will cancel for non-payment of premium effective 12:a.mApril 17,
Ms***, please feel free to contact me with any unresolved questions or concernsI will be happy to assist you
Sincerely,
*** ***
Customer Care Specialist
Customer Care Unit
Personal Insurance Distribution Operations
Tele: ###-###-#### | Fax: ###-###-####

We have completed our investigation and understand that the consumer in this case is not satisfied. However, the incident involves a written agreement signed by the consumer and our response for this matter has not changed and is final

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.
[If you are rejecting the business's response please enter your rejection comments hereI still stand by the fact that when I was emailed the link to by policy renewal on 12/29/2014, the renewal amount beginning January said $ *** *** said in her response was that the renewal documents hadn't been issued until 12/30/so obviously there has been an error at Liberty Mutual I spoke to *** *** on 01/30/and I was told there was a problem with the policy renewal documents on the date I looked at themI have obtained homeowners insurance from another company so the only thing I require is a full refund of the $I paid to Liberty MutualMy problem is solved but I reject their responses to my complaint because they made no effort to make up for their mistakes
Regards,
*** ***

Although we understand the consumer may not be satisfied with the outcome, there is no additional information in this rebuttal to be reviewed.Liberty Mutual's position would remain unchanged at this time.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 #***Please add your rejection comments below.
[I reject the response from Liberty mutualI was paying ahead of the time I was covered and when I cancelled on November 11, I was suppose to receive a refund for the six days I was not coveredMy due date for payment was 17th of every monthIt is wrong for mutual insurance to bill me till November because I was not covered after November 11thWhen I first called Mutual Insurance on November 12, the customer service told me that If I can give them the name of the insurance I switched to, they will waive the feeI believe they were charging me more money because I left the companyWhen one customer service representative give an answer different from what the first representative said, somebody is lying and misleadingEvery insurance company I dealt with in the past have always charged me before the days I was coveredI am not satisfied with their business.]
Regards,
*** ***

RE: Revdex.com Complaint No.:***Complainant: *** ***Complainant Address: *** * *** *** AZ, *** Our Insured: *** *** *** *** *** ** *** ***Policy No.:
***Policy Type: Commercial Auto Claim Type: Third Party - Property Damage and Bodily Injury Date of Loss: January 23, Our Claim No.: ***Underwriting Company: Peerless Indemnity Insurance Company (***) NAIC# *** ***Dear Revdex.com of Eastern MA, ME, RI, VT;Liberty Mutual Insurance acknowledges receipt of the complaint filed on March 3, by *** ***ingly, we have reviewed the complaint and our claim file in their entirety.The claim involves the Complainant, *** ***, who is making claims for property damage, to include repairs to her *** ***, as well as replacement of a car seat, and for bodily injury due to the auto accident of January 23, 2015.On January 23, 2015, *** ***, fiancée of *** ***, was operating a *** *** and struck the rear of the *** *** being operated by *** ***.Through the course of our investigation Liberty Mutual determined that on January 23, 2015:The *** *** being operated by *** *** was listed on the Commercial Automobile Policy issued to *** *** Co, LLC DBA ** *** ***.The *** *** was owned by *** ***.*** *** was not an employee of *** *** CoLLC DBA ** *** ***.*** *** was operating the *** *** for purposes unrelated to *** *** CoLLC DBA ** *** ***.Based on the above and review of the coverages af*ed to *** *** CoLLC DBA ** *** *** under Commercial Auto Policy #***, Liberty Mutual further determined that on January 23, 2015:*** *** did not be qualify as an Insured” under the Commercial Auto Policy issued to *** *** CoLLC DBA ** *** *** *** was not considered a permissive user of the *** *** for purposes related to *** *** CoLLC DBA ** *** ***.Based on the above reasons, Liberty Mutual has denied coverage to *** *** for all claims arising out of the January 23, auto accident.The Complainant has been notified in writing, a copy of which is enclosed, that *** *** CoLLC DBA ** *** *** Commercial Auto Policy would not *** coverage for any claims incurred as result of the January 23, auto accident.If you need additional explanation of documentation to support our written response, please contact us.*** ** ***Regional Claims ManagerLiberty Mùtual Insurance###-###-#### ***@libertyMufual.comEnclosure: Letter

Dear Mr***,This is in response to your March 22, correspondence to the Revdex.com regarding your automobile policy It was a pleasure speaking with you March 24, and I appreciate the opportunity to respond to your concerns I regret your service experience did
not meet your expectations This policy initiated effective August 11, 2011, subsequently renewing each year, most recently August 11, At the policy inception, you were issued a new business packet on August 11, which included the applicable short rate 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.In the state of Massachusetts, the new insurer must notify the prior carrier as soon as possible to cancel the current 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 11, upon receipt of the required 2A form indicating the date alternate coverage was obtained After cancellation, a $bill issued to you reflecting premium due for coverage provided through the March 11, cancellation date As we discussed, the $balance remains due and is unable to be waived A billing history is enclosed for your review Mr***, we regret your decision to cancel this policy and are sorry to have lost you as a customer If you have further questions or concerns, please contact me directly and I will be happy to assist you.Sincerely,Enclosure

Attached please find our response to this complaint

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].. Thank you for your response and although that is your policy, the multiple agents I have spoken with from [redacted] and [redacted] have all said that they are notified immediately when one of their policy holders have a cancellation. Also, they said that a certified letter is the norm. So I think the best route forward is that all of your policy holders should have to be notified that your company does not meet the standard norms that at least these other companies do. The fact that you feel no obligation to notify either the end user or their agent as per your statement above, is pretty frightening and alarming to say the least! If I were still a LM policy holder, I would want to know that my insurance company does not feel obligated to inform me of these very serious matters.The only remedy at this point would then be to make sure that your policy holders are notified--a simple and not costly remedy.  
Regards,
[redacted]

Dear Ms. [redacted],   This is in response to your correspondence received through the Revdex.com on June 20, 2016 regarding your automobile policy.  I am truly sorry we have lost you as a customer and appreciate the opportunity to respond.  Please accept my apology for any...

miscommunication that occurred concerning the amount due after cancellation.   This policy initiated May 5, 2004 and subsequently renewed each year, most recently May 5, 2015 with an annual premium of $2,126.   You had selected our Electronic Funds Transfer (EFT) option as your preferred payment method, which you kept in place throughout the life of the policy. There are twelve EFT payments (one per month) for each policy term. You elected to make payments on the 30th of each month. If the 30th falls on a weekend or holiday, the payment is processed the following business day.  Your payments were scheduled in the amount of $177.17 ($2,126 divided by twelve, with the final payment reduced by a few cents) to pay the annual premium in full with the first payment scheduled June 1, 2015.   Based on your May 5, 2015 renewal date, we received ten payments of $177.17 ($1,771.70).  However, you elected to cancel this policy on March 25, 2016, twenty-one days later than the ten month period.  Since you only made ten monthly payments, this means you still owe $119.30 on the policy for the additional twenty-one days, which includes a $4 bill fee. (Note that we calculate the premium based on each day your policy was in effect, some months are longer than others and there is rounding involved to arrive at the final calculation.)   Liberty Mutual uses a third party vendor, [redacted] Services ([redacted]) to secure past due premium owed for cancelled policies.  Policyholders are referred to [redacted] when their policy has cancelled and the final bill remains unpaid.  Since this balance remained unpaid, it was referred to collections on September 29, 2015.  For your reference, I am enclosing a copy of the billing history for your review. This $119.30 balance remains due.   As long as the balance owed is paid or resolved with us directly or with [redacted] on our behalf, your credit will not be affected.   Regarding your homeowner policy, this policy was paid in full on May 20, 2015; therefore, there was a refund of all unearned premium. Ms. [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 able to provide the clarity you were looking for. If you have any further 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 Specialist Customer Care Unit Personal Insurance Distributions Operations Tele: [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.  the truck was added to MY policy after the divorce was final.  You have more than enough proof/information to close this policy.  I will not provide further documentation.  I was the only named driver on the policy, you have my divorce decree and my ex-husband's consent to remove him from the policy prior to the divorce being finalized.  Please cancel the policy.  Otherwise, it will eventually cancel due to lack of payment because I will not be making payment toward this.  
Regards,
[redacted]

Dear Ms. [redacted],This is in response to your additional correspondence to the Revdex.com. I appreciate the opportunity to further respond. Your correspondence indicated you forwarded proof of payment directly to my attention. However, our records show I contacted you on January 31, 2017 and February 6, 2017 and left messages that the documents received did not indicate that a $48.33 payment to Liberty Mutual was successful in August of 2016. In addition, in the correspondence you provided, you indicate that you filed a formal dispute with your financial institution and the funds were returned to your account. This indicates that the payment was not made. When we spoke on February 7, 2017, I advised again that the documentation you provided did not show the payment was made and therefore the $48.33 balance remains due. Ms. [redacted], since we have not received the appropriate documents as requested, we consider this matter closed and will not be responding further. If you have further questions unrelated to this matter, I will be happy to assist you.Sincerely,[redacted] [redacted]Associate Customer Care SpecialistCustomer Care UnitPhone: [redacted] Fax: [redacted]

"Disability" or "Disabled" means you, as a result of Injury or Sickness, are unable to perform the Material and Substantial Duties of your Own Job.   Your STD claim was denied on the basis that our review did not support that your condition was of a degree and severity to support disability as defined above. Our review included a review of the medical records by a nurse case manager The June 28, 2016 denial letter explains the basis for this determination.  In the June 28, 2016 denial letter, we fully advised you of your ERISA right to request a review of the denial determination and to submit any additional information in support of your claim. You may submit an appeal as outlined in our letter dated June 28, 2016. Any questions you have regarding your claim may be directed to [redacted] or her manager, [redacted] at [redacted]