Allied Solutions LLC

Initial Business Response / [redacted] (1000, 6, 2015/11/19) */ ***Corresponding documents attached RE: Revdex.com Complaint Case # [redacted] : [redacted] Acura [redacted] Dear Ms [redacted] : Thank you for the opportunity to respond to the concerns raised by [redacted] , regarding collateral protection insurance ("CPI") on her AcuraPraetorian Insurance Company issue a master CPI policy to Northwest FCU to provide coverage for theft, sudden and accidental loss of or damage to the collateralCPI coverage is issued only when the borrower fails to provide evidence of the required comprehensive and collision coverages to protect the lender's interest in the vehicle as collateral for the loan Our records reflect that Mrs [redacted] failed to provide proof of the required insurance coverage for a period of days, from 9-5-to 10-19-the amount of annual CPI premium is calculated at a rate of 13.6% multiplied by the outstanding loan balanceThe premium for one year of CPI coverage beginning on 07/14/and ending on 07/14/totaled $5222.00, as shown in the following calculations ***SEE ATTACHED DOCUMENTS FOR CALCULATIONS [redacted] Mrs [redacted] provided proof of insurance which entitled her to a partial refund of the CPI premiumThe refund schedule for CPI is determined by the number of days the insurance was in forceThe CPI was in force for days and thus she was entitled to a 72% refund of the CPI premium (see attached refund schedule) according to the following calculations: ***SEE ATTACHED DOCUMENTS FOR CALCULATIONS [redacted] The placement of CPI on the collateral secured by Mrs [redacted] 's loan was done in compliance with notice requirementsThe following is a timeline of events regarding Mrs [redacted] 's loan 07/23/Loan on-boarded 08/12/First New Loan Notice sent 08/26/Second New Loan Notice sent 09/05/Certificate Generated 10/19/Allied called the carrier and verified the following: Geico policy [redacted] Spoke with Liz at the Regional Office who confirmed no lapse since 1000/added 7/4/The Lienholder is correct and the policy was New Business on 7/14/and canceled on 8/4/ Geico policy [redacted] Spoke with Liz at the Regional Office who confirmed no lapse since 1000/added 8/4/The Lienholder is correct and the policy was New Business on 8/4/and canceled on 9/5/ Geico policy [redacted] Spoke with Liz at the Regional Office who confirmed this policy never went into effectThe vehicle was added and deleted the same day State Farm [redacted] Spoke with Tina at the Regional Office who confirmed no lapse since 1000/added 10/19/The Lienholder is correct and the policy was New Business on 10/19/ Please see the attached supporting documentationIf Mrs [redacted] can provide proof of coverage from 9-5-to 10-19-2015, please have her submit the documents to Allied for review Thank you again for the opportunity to address this complain and please contact me should you have any further questions Sincerely, Gena [redacted] Relations Manager CC: Northwest FCU Praetorian Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/11/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) The notices attached I never received in which I spoke to "Liz" regardingAnd she stated that they were sent by regular mail and I was still responsible for the chargesI only knew that this even took place because I logged onto my NWFCU and it had increased my car payment amountI have received a partial refund however, something as important as this, should be sent my certified mail considering I was charged more then $for coverage for days and I knew nothing about! This is poor customer service from NWFCU and Alliied SolutionsEverything that was sent was never received Final Business Response / [redacted] (4000, 11, 2015/12/08) */ ***see attached

Initial Business Response / [redacted] (1000, 10, 2015/09/24) */ ***Corresponding documents attached RE: Complainant: [redacted] Revdex.com Case Id: [redacted] Insured Lender: [redacted] Vehicle: Dodge Charger, VIN [redacted] Insurance Co.: [redacted] (NAIC10054) Dear Ms [redacted] : I am writing to respond to the Complaint Activity Report received in our StPaul, MN office on September 23, Allied Solutions, LLC, an Indiana limited liability company ("Allied") provides insurance, marketing and lending products to financial institutionsAllied provides insurance tracking services for [redacted] (" [redacted] ") which includes providing collateral protection insurance for collateral securing the loans made by [redacted] [redacted] obtained a loan from [redacted] for the financing of a Dodge ChargerThe Dodge Charger was pledged as collateral for the loanAs a part of the loan/security agreement, Ms [redacted] agreed that she would maintain property damage insurance on the vehicle according to [redacted] 's requirements The [redacted] loan was added to the insurance tracking system on April 29, and a routine letter was generated in the course of business dated May 25, and sent to Ms [redacted] at the address of recordA copy of that letter is attached heretoThe letter thanked Ms [redacted] for financing and specifically requested she provide evidence of the physical damage insurance for the Dodge ChargerWhen a response was not received, a reminder letter dated June 8, was sent indicating that insurance for the period starting 4/16/was neededSince the [redacted] insurance information was still not received, a third and final letter dated June 22, and a certificate of insurance coverage for the period 4/16/to 4/16/was mailed to the [redacted] residence On July 14, 2015, an Allied Solutions representative spoke with the [redacted] Service Center to confirm the existence of a [redacted] insurance policy but received information that the [redacted] insurance policy had been cancelled June 26, This information was confirmed on July during a second call to *** Subsequently, on August 11, 2015, an employee of the credit union called the Allied Service Center to discuss the [redacted] loan and insurance coverageDuring this call, the Allied representative called [redacted] again and confirmed that the required comprehensive and collision insurance with a deductible of $was added to the policy on 4/18/and also confirmed there was a true lapse in coverage for the periods 4/16/2015-4/18/and 6/26/15-8/4/This totaled a lapse in coverage of forty (40) daysAs a result, a premium refund was generated for days of the certificate coverage periodThe original premium based on the value of the loan was $and the refund generated on August 11, was $This leaves a balance of earned premium of $which isowed by Ms [redacted] for the days of coverage provided As you probably know, the CPI certificate of insurance provides the insured lender with coverage for theft, sudden and accidental loss of or damage to its insured collateralSuch CPI coverage is issued only when a borrower fails to provide evidence of the required comprehensive and collision coverages to protect the insured lender's interest in the vehicle as collateral for the loanThe insured lender's master CPI policy does not provide any liability coverage for the insured lender, the borrower, or any driver of the vehicleAs concerns the Dodge Charger in question, the lender is the Insured, not [redacted] We understand Ms***' complaint regarding the high cost of the insuranceThe insurance provided to the credit union is a policy that is filed with and rated by the state department of insuranceThe department has approved the ratesThe rates for this type of insurance are much higher because there is no way to rate the actual driver of the vehicleThe rating is based on the loan valueEvery effort is made to provide the borrower with advance notice of the need to obtain and provide evidence of their insurance We believe that Ms***' complaint that Brandon was unprofessional is unfoundedBrandon provided clear responses and information to Ms***, even after Ms [redacted] displayed unprofessional behavior including the use of profanityI am emailing to you a copy of the call recording for your considerationAlthough Ms [redacted] believes that she should only be charged for days of lapsed coverage, the evidence is that she didn't have coverage for daysMs [redacted] statement that her insurance company would have provided coverage during the days as a grace period is incorrect since a payment for the policy was not received during the thirty day periodThe policy had actually been cancelled and was not reinstated until 8/4/However, Brandon did suggest Ms [redacted] contact [redacted] and ask them to provide some backdated coverage that Allied could considerMs [redacted] may still contact [redacted] and ask for such proof of insurance for the lapse periods of 4/16-4/and 6/to 8/4/If [redacted] provides a written statement that there was coverage in place on those dates and they would have paid a claim and Allied receives that proof and verifies it, and additional premium refund would be generatedMs [redacted] may also contact her lender to discuss this matter further as they were the insured partyAllied Solutions only served to provide the insurance since the vehicle was uninsured Ms [redacted] claim that the insurance company is getting money for something they didn't do since a claim wasn't paid is inaccurateThe insurance company issued the certificate of coverage beginning 4/16/and provided the insurance on that vehicle for the days, Allied will verify and provide the remaining refund Lastly, we bring to your attention that [redacted] notified Allied that Ms [redacted] insurance coverage changed effective August 12, with a raise in the collision deductible to $1,The loan agreement Ms [redacted] has with [redacted] requires the deductible may not be greater than $1,so unfortunately, Ms [redacted] current insurance coverage is impairedA separate notice of that impairment dated September 14, was mailed to Ms [redacted] advising of this deficiency she needs to correct We appreciate the opportunity to review and respond to Ms [redacted] complaintShould you have any questions regarding the information we are providing, please do not hesitate to contact me Sincerely, ALLIED SOLUTIONS, LLC Trish [redacted] Corporate Attorney cc: [redacted] Enclosures

Initial Business Response /* (1000, 6, 2015/11/19) */
[redacted]Corresponding documents attached.
RE: Revdex.com Complaint
Case #[redacted]
2015 Acura [redacted]
Dear Ms. [redacted]:
Thank you for the opportunity to respond to the concerns raised by [redacted], regarding...

collateral protection insurance ("CPI") on her 2015 Acura. Praetorian Insurance Company issue a master CPI policy to Northwest FCU to provide coverage for theft, sudden and accidental loss of or damage to the collateral. CPI coverage is issued only when the borrower fails to provide evidence of the required comprehensive and collision coverages to protect the lender's interest in the vehicle as collateral for the loan.
Our records reflect that Mrs. [redacted] failed to provide proof of the required insurance coverage for a period of 44 days, from 9-5-2015 to 10-19-2015. the amount of annual CPI premium is calculated at a rate of 13.6% multiplied by the outstanding loan balance. The premium for one year of CPI coverage beginning on 07/14/2015 and ending on 07/14/2016 totaled $5222.00, as shown in the following calculations.
[redacted]SEE ATTACHED DOCUMENTS FOR CALCULATIONS[redacted]
Mrs. [redacted] provided proof of insurance which entitled her to a partial refund of the CPI premium. The refund schedule for CPI is determined by the number of days the insurance was in force. The CPI was in force for 44 days and thus she was entitled to a 72% refund of the CPI premium (see attached refund schedule) according to the following calculations:
[redacted]SEE ATTACHED DOCUMENTS FOR CALCULATIONS[redacted]
The placement of CPI on the collateral secured by Mrs. [redacted]'s loan was done in compliance with notice requirements. The following is a timeline of events regarding Mrs. [redacted]'s loan.
07/23/2015 Loan on-boarded
08/12/2015 First New Loan Notice sent
08/26/2015 Second New Loan Notice sent
09/05/2015 Certificate Generated
10/19/2015 Allied called the carrier and verified the following:
Geico policy [redacted]
* Spoke with Liz at the Regional Office who confirmed no lapse since 1000/1000 added 7/4/15. The Lienholder is correct and the policy was New Business on 7/14/15 and canceled on 8/4/15.
Geico policy [redacted]
* Spoke with Liz at the Regional Office who confirmed no lapse since 1000/1000 added 8/4/15. The Lienholder is correct and the policy was New Business on 8/4/15 and canceled on 9/5/15.
Geico policy [redacted]
* Spoke with Liz at the Regional Office who confirmed this policy never went into effect. The vehicle was added and deleted the same day.
State Farm [redacted]
* Spoke with Tina at the Regional Office who confirmed no lapse since 1000/1000 added 10/19/15. The Lienholder is correct and the policy was New Business on 10/19/15.
Please see the attached supporting documentation. If Mrs. [redacted] can provide proof of coverage from 9-5-2015 to 10-19-2015, please have her submit the documents to Allied for review.
Thank you again for the opportunity to address this complain and please contact me should you have any further questions.
Sincerely,
Gena [redacted] Relations Manager
CC: Northwest FCU
Praetorian Insurance Company
Initial Consumer Rebuttal /* (3000, 8, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The notices attached I never received in which I spoke to "Liz" regarding. And she stated that they were sent by regular mail and I was still responsible for the charges. I only knew that this even took place because I logged onto my NWFCU and it had increased my car payment amount. I have received a partial refund however, something as important as this, should be sent my certified mail considering I was charged more then $1000 for coverage for 44 days and I knew nothing about! This is poor customer service from NWFCU and Alliied Solutions. Everything that was sent was never received.
Final Business Response /* (4000, 11, 2015/12/08) */
[redacted]see attached.

Initial Business Response /* (1000, 10, 2015/09/24) */
[redacted]Corresponding documents attached.
RE: Complainant:[redacted]
Revdex.com Case Id: [redacted]
Insured Lender: [redacted]
Vehicle: 2012 Dodge Charger, VIN [redacted]
Insurance Co.:[redacted]...

(NAIC10054)
Dear Ms. [redacted]:
I am writing to respond to the Complaint Activity Report received in our St. Paul, MN office on September 23, 2015. Allied Solutions, LLC, an Indiana limited liability company ("Allied") provides insurance, marketing and lending products to financial institutions. Allied provides insurance tracking services for [redacted] ("[redacted]") which includes providing collateral protection insurance for collateral securing the loans made by [redacted]. [redacted] obtained a loan from [redacted] for the financing of a 2012 Dodge Charger. The Dodge Charger was pledged as collateral for the loan. As a part of the loan/security agreement, Ms. [redacted] agreed that she would maintain property damage insurance on the vehicle according to [redacted]'s requirements.
The [redacted] loan was added to the insurance tracking system on April 29, 2015 and a routine letter was generated in the normal course of business dated May 25, 2015 and sent to Ms. [redacted] at the address of record. A copy of that letter is attached hereto. The letter thanked Ms. [redacted] for financing and specifically requested she provide evidence of the physical damage insurance for the 2012 Dodge Charger. When a response was not received, a reminder letter dated June 8, 2015 was sent indicating that insurance for the period starting 4/16/2015 was needed. Since the [redacted] insurance information was still not received, a third and final letter dated June 22, 2015 and a certificate of insurance coverage for the period 4/16/2015 to 4/16/2016 was mailed to the [redacted] residence.
On July 14, 2015, an Allied Solutions representative spoke with the [redacted] Service Center to confirm the existence of a [redacted] insurance policy but received information that the [redacted] insurance policy had been cancelled June 26, 2015. This information was confirmed on July 15 during a second call to [redacted].
Subsequently, on August 11, 2015, an employee of the credit union called the Allied Service Center to discuss the [redacted] loan and insurance coverage. During this call, the Allied representative called [redacted] again and confirmed that the required comprehensive and collision insurance with a deductible of $1000 was added to the policy on 4/18/2015 and also confirmed there was a true lapse in coverage for the periods 4/16/2015-4/18/2015 and 6/26/15-8/4/15. This totaled a lapse in coverage of forty (40) days. As a result, a premium refund was generated for 325 days of the certificate coverage period. The original premium based on the value of the loan was $4261.00 and the refund generated on August 11, 2015 was $3494.00. This leaves a balance of earned premium of $767.00 which isowed by Ms. [redacted] for the 40 days of coverage provided.
As you probably know, the CPI certificate of insurance provides the insured lender with coverage for theft, sudden and accidental loss of or damage to its insured collateral. Such CPI coverage is issued only when a borrower fails to provide evidence of the required comprehensive and collision coverages to protect the insured lender's interest in the vehicle as collateral for the loan. The insured lender's master CPI policy does not provide any liability coverage for the insured lender, the borrower, or any driver of the vehicle. As concerns the 2012 Dodge Charger in question, the lender is the Insured, not[redacted].
We understand Ms. [redacted]' complaint regarding the high cost of the insurance. The insurance provided to the credit union is a policy that is filed with and rated by the state department of insurance. The department has approved the rates. The rates for this type of insurance are much higher because there is no way to rate the actual driver of the vehicle. The rating is based on the loan value. Every effort is made to provide the borrower with advance notice of the need to obtain and provide evidence of their insurance.
We believe that Ms. [redacted]' complaint that Brandon was unprofessional is unfounded. Brandon provided clear responses and information to Ms. [redacted], even after Ms. [redacted] displayed unprofessional behavior including the use of profanity. I am emailing to you a copy of the call recording for your consideration. Although Ms. [redacted] believes that she should only be charged for 8 days of lapsed coverage, the evidence is that she didn't have coverage for 40 days. Ms. [redacted] statement that her insurance company would have provided coverage during the 30 days as a grace period is incorrect since a payment for the policy was not received during the thirty day period. The policy had actually been cancelled and was not reinstated until 8/4/2015. However, Brandon did suggest Ms. [redacted] contact [redacted] and ask them to provide some backdated coverage that Allied could consider. Ms. [redacted] may still contact [redacted] and ask for such proof of insurance for the lapse periods of 4/16-4/18 and 6/26 to 8/4/2015. If [redacted] provides a written statement that there was coverage in place on those dates and they would have paid a claim and Allied receives that proof and verifies it, and additional premium refund would be generated. Ms. [redacted] may also contact her lender to discuss this matter further as they were the insured party. Allied Solutions only served to provide the insurance since the vehicle was uninsured.
Ms. [redacted] claim that the insurance company is getting money for something they didn't do since a claim wasn't paid is inaccurate. The insurance company issued the certificate of coverage beginning 4/16/2015 and provided the insurance on that vehicle for the 40 days, Allied will verify and provide the remaining refund.
Lastly, we bring to your attention that [redacted] notified Allied that Ms. [redacted] insurance coverage changed effective August 12, 2015 with a raise in the collision deductible to $1,500.00. The loan agreement Ms. [redacted] has with [redacted] requires the deductible may not be greater than $1,000 so unfortunately, Ms. [redacted] current insurance coverage is impaired. A separate notice of that impairment dated September 14, 2015 was mailed to Ms. [redacted] advising of this deficiency she needs to correct.
We appreciate the opportunity to review and respond to Ms. [redacted] complaint. Should you have any questions regarding the information we are providing, please do not hesitate to contact me.
Sincerely,
ALLIED SOLUTIONS, LLC
Trish [redacted]
Corporate Attorney
cc: [redacted]
[redacted]
Enclosures