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Ameriprise Auto & Home Insurance

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Ameriprise Auto & Home Insurance Reviews (175)

Thank you for sending the concern filed by Ms*** ***, which we received on September 4,
We understand that she disagrees with our decision to not reinstate her policyWe appreciate the
opportunity to address her concerns
Ms***'s automobile insurance policy canceled on August 14,
2014, for non-payment of premium
Her policy was on an automatic monthly payment plan with a due date on the 15th of each month
On July 14, 2014, she called and requested an exception to have her July payment taken on July
We agreedWe attempted to withdraw her scheduled payment, as agreed, on July 18, That attempt
was not successfulHowever, prior to her bank retuming the transaction to us, a second attempt to
withdraw funds was made, and that attempt was also unsuccessfulHer bank returned the transaction to
us on July 30, 2014, for insufficient fundsOn that same day, we mailed a notice to her at *** * ***
*** *** *** *** ** ***, which was the mailing address of recordThis notice informed Ms***
that the policy would cancel on August 14, 2014, if she did not respond and make payment arrangements
We had no other address information for Ms*** and this notice was never retumed to us by the postal
service as being undeliverable or having an incorrect addressWith respect to policy cancellation, we are
required by *** statute to mail a written notice; we are not required to call clients when a payment
attempt is unsuccessful
We understand that Ms*** is periodically away from her home for work and has challenges receiving
her mail or having it forwardedWe carefully considered this factor when we spoke to her on September
3,However, by that time, her policy had been canceled since August 14,2014, and because of this
lapse in coverage we were unable to reinstate itIn light of this inquiry, we reviewed Ms***'s policy
again; regrettably, we are unable to accommodate her request for reinstatement due to the fact that her
policy experienced a lapse in coverageWe do have an affiliated agency that may be able to assist Ms
*** in securing coverageThey can be contacted at ###-###-####
In her complaint, Ms*** also mentioned her rental insurance, which canceled on December 19,
due to non-payment of premium as a result of a declined credit card transactionWe spoke to Ms***
on February and 12,2014, and we explained we were unable to reinstate the policy due to the lapse in
coverage that occurred
We regret that we cannot be of further assistanceIf you have any questions about this information, you
may contact me at I ###-###-####, Ext***

Thank you for sending the complaint filed by Mr. [redacted], which we received on August 1, 2014.
We understand that he would like a more detailed explanation of why his policy renewed. We appreciate
the opportunity to address his concems.
On January 21, 2014, Mr. [redacted] purchased his policy...

using our online quoting system. We bound
coverage effective for January 21,2014, to July 21,2014. When we issued the policy, we also provided
Mr. [redacted] with a copy of our California Auto Policy booklet.
On June 6, 2014, we mailed our renewal offer to the only address we had on file for Mr. [redacted]: [redacted]
[redacted]. In that offer, we stated the policy would renew on July 21, 2014, and that we would be applying a payment of $714.87 to his credit card.
We never received the "form letter" tllat Mr. [redacted] mentions in his complaint. In fact, the last time we
had any communication with Mr. [redacted] was February 3, 2014. However, as a courtesy to Mr. [redacted],
we will honor his cancelation request effective for July 21, 2014. We have issued a credit of $714.87 to
his credit card, which should appear in the next 3-5 business days.
If you have any questions about this information, you may contact me at ###-###-####, Ext. ####.

Thank you for sending the complaint filed by Mr. [redacted], which we received on September 28,20 14. We understand that he would like a more detailed explanat ion of why coverage was not offered.We appreciate the opportunity to address his concerns.[n his complaint, Mr. [redacted] said we would...

not offer him auto insurance. We emailed Mr. [redacted]to discuss this matter because we were not able to locate him in either our Policy Administration systemor our online system. Mr. [redacted] explained he tried to retrieve a previous online quote, but it wasunavailable. Regrettably, because we could not locate the quote, we could not detennine why it may havebeen declined.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].Sincerely,[redacted]

Review: I bought a auto policy from Ameriprise auto and home on 08/08/2013. I entered all the info and got a quote. The quote was for $693.00 for months. I then get a call 2+ weeks later that my premium is now $870. Ameriprise auto and home claimed I had a at fault accident on 08/26/2010. I called the Ohio BMV and they confirmed the accident was NOT MY FAULT. That info was insufficient to Ameriprise auto and home . Although Ameriprise auto and home told me on the phone they would call the OHIO BMV and verify the info and correct this error. I called back and was told by a VERY rude supervisor named [redacted] that Ameriprise auto and home ONLY used records for other insurance companies. I called [redacted] who I have at that time 3 years ago and they also verified that the accident in question was NOT MY FAULT. Ameriprise auto and home is using false information and basically called me a liar over 20 times. I had to spend over 8 hours getting the paperwork to correct THEIR mistake. I was unable to work because I had to do Ameriprise auto and home work for them to clear my name and get my policy price correct after they scammedme. I was treated unfairly and even made out to be a liar when in actuality your company was the only one lying. You took my payment for the insurance under the cost of $693 and then changed that amount after I paid you and cancelled my other policy. What you are doing is wrong. I had to have [redacted] on the line with you to explain to you that you were wrong. You didnt even believe [redacted] and they had even sent the information over to Ameriprise auto and home . I am very unsatisfied with this and want to know how you are going to fix this. I was treated terribly and will not remain quiet to anyone or the media. I am asking you to fix this situation and treat me like a actual customer. I have no idea why you would treat a customer this way and continue to use inaccurate information even after being shown its incorrect clearly by the company you claimed you got it from. I also received more paperwork in the mail today about the $870 premium. I was quoted $693 and all the information I submitted was correct. I will not pay any other amount. What Ameriprise auto and home is doing is illegal and I want to let everyone in the world know what they are doing. They STILL HAVE NOT CORRECTED this and are charging me the rate that they claim is because of a AT FAULT car accident I never had. I have all documentation proving that the wreck was not my fault.Desired Settlement: please have them give me a apology and explainaion of what happened and why.

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint filed by Mr. [redacted], which we received on August 23, 2013.

We understand that he would like additional details surrounding a change in premium. We appreciate the

opportunity to address his concerns.

On August 8, 2013, Mr. [redacted] started an automobile policy with us. Part of our new business process is

to obtain a motor vehicle report and Comprehensive Loss Underwriting Exchange (CLUE) report to

verify driving history. Mr. [redacted]'s CLUE report revealed he was involved in an accident on August 26,

2010. The report did not indicate if it was an at-fault or not at-fault accident.

Typically, when a CLUE report does not include information about accident fault, we reach out to the

insured to obtain additional details so we can list it appropriately on the policy. Unfortunately, in this case

we failed to contact Mr. [redacted] prior to updating the accident to an at fault accident.

On August 23, 2013, we updated the accident from an at fault accident to a not at fault accident effective

for August 9, 2013. Mr. [redacted]'s premium has been changed from $870.00 back to $693.00.

We are truly sorry for the frustration our oversight caused Mr. [redacted], and we understand his

disappointment in his experience with us. It is always our intention to handle our customers with the

respect and efficiency they deserve. Regrettably, we failed to meet Mr. [redacted]'s expectations.

If you have any questions about this information, you may contact me at ###-###-####, Ext. ####.

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

cc: Mr. [redacted]

Consumer

Response:

Ameriprise denied my basement flooding claim. They lied to me , stating that sump pump failure was offerd to me and I refused that option.

Review: We had an autopay account with Ameriprise. [redacted] decided to issue a new card and did not allow ameriprise to take the payment. Ameriprise dropped our insurance. We offered to pay to have the policy reinstated. we understand that they sent us a letter however did not reach out to us personally via one of the many cell numbers on file to correct the issue so we did notice that the bill had not been paid.the coverage had to be paid by oct 22. we reached out to them on the 25th. we only want to pay the bill and have our coverage back. We will provide any proof necessary. After reviewing competitors rates we feel they intentionally dropped us. We've been with them for 12 years. Policy # [redacted]Desired Settlement: Continue Business.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on October 27, 2015.We understand that he would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address his concerns, and feel the following timeline will help provideclarification.• On July 25,2015, we mailed Mr. [redacted]'s renewal bill, indicating we would automatically charge thecredit card that had been provided $440.20 each month on the sixth day of each month, starting inSeptember.• On September 6, 2015, we collected the payment of $440.20.• On October 6, 2015, we attempted payment on the same credit card for $440.20, but the charge wasdeclined.• On October 7,2015, we mailed a pending cancellation letter to Mr. [redacted], indicating that the policywould cancel for nonpayment of premium on October 22,2015 at 12:01 a.m.• On October 22, 2015, the policy cancelled at 12:01 a.m. for nonpayment of premium.• On October 26, 2015, we mailed a cancellation letter to Mr. [redacted], indicating that the policy hadcancelled effective October 22, 2015. We also indicated that there was an outstanding balance of$115.09 on the policy.That same day, Ms. [redacted] contacted us to review reinstating her policy, and she spoke to asupervisor. We declined the request because there was a lapse in coverage and break in the contractwhen the policy cancelled for nonpayment of premium. Later, Mr. [redacted] contacted us to requestreinstatement. We declined for the reasons previously explained.• On October 30, 20 IS, Mr. [redacted] spoke to another supervisor, and we declined the request forreinstatement again. Mr. [redacted] then requested to speak to a senior supervisor.On October 31,2015, a senior supervisor contacted Mr. [redacted] to discuss the policy. Mr. [redacted] wasunavailable, so we left a voicemail message advising that the policy has been reviewed and we wouldnot be able to offer reinstatement. We also advised of the outstanding balance of $115 .09.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Business

Response:

Thank you for sending the third complaint filed by Mr. [redacted].We believe our previous two

responses addressed all of Mr. [redacted]’s concerns, and we have no new information

to provide at this time.Again, we are unable to

reinstate his policy – and it is in his best interest to secure coverage with a

different company immediately to protect himself from potential losses. If you have any questions about this

information, you may contact me at ###-###-####, Ext. [redacted].Sincerely, [redacted]

IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

Review: I took insurance out to cover the loss to belongings to my apartment. I verified coverage with a Amerprise rep. She verified that everything was covered after going through my entire list. The conversation was recorded. I maybe a month or two later down the road made a claim against my policy, and the claim handler stated that the issue was not claimable even though it was verified from there rep as one of the covered losses.Desired Settlement: To have Ameriprise cover the loss as they promised when the insurance policy was taken out and verified through their rep.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on July 6, 2015. Weunderstand that she disagrees with our decision regarding the claim. We appreciate the opportunity toaddress her concerns.Ms. [redacted] filed a home claim on June 9, 2015, with a loss description of "black dust all over goods,beds, walls and cabinets." We advised the insured that we would assign an independent appraiser toinspect the damage prior to our coverage determination. We also reviewed the policy langnage, includingthe 17 named perils and amendments, with Ms. [redacted] and emailed a copy of the policy booklet to her.The inspection report and photographs revealed mold growth throughout the home, likely due to a longterm toilet leak and long term siding leak at the deck above the living room. Unfortunately the damage isnot a named peril and, therefore, we were unable to extend coverage for Ms. [redacted] ' loss. We discussedthe results with Ms. [redacted] and followed up with a written explanation outlining the policy language.We are truly sorry that Ms. [redacted] experienced this unfortunate event, and we understand that this is notthe outcome she would like. Regrettably, after reviewing the facts of the loss and our investigation resultsa second time, we respectfully maintain our denial of the claim.

Consumer

Response:

Review: In 2011 I, [redacted] and [redacted] were victims of a fire in [redacted]. Ameriprise Auto and Home Insurance was our carrier at the time, Claim Number [redacted]. The claim was handled and restoration was completed. Today, April 17, 2015, I received a phone call from my sister who is in [redacted]. This claim, with be being reported on hers and her husband [redacted] Insurance Report! At no time were they on the policy, nor have they live in **. Ameriprise is reporting fraudulent and inaccurate data that is causing financial burden on individuals not associated with the claim.Desired Settlement: This report must be corrected, notice sent to my self as well as Mr. and Mrs. [redacted] in [redacted] when the correction has been made. Additionally, any adverse effect that this has had on the cost of their homeowners insurance with a different company should be resolved by Ameriprise (IDS).

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on April 20, 2015.We understand that he has some questions regarding the reporting of his 2011 home claim. We appreciatethe opportunity to address his concerns.When this loss was reported on December 13, 2011, there were two named insureds on the policy:[redacted] and [redacted]. We are unaware of why any records would overlap with those of ourinsureds' relative.For proper review and remedy, we suggest that Mr. [redacted] contact [redacted] at ###-###-#### asthey track claims reporting. Upon Mr. [redacted]'s request, [redacted] will forward us their report record ofthis claim to confirm information accuracy.If you have any questions about this information, you may contact me at I ###-###-####, Ext. [redacted].

Review: My bill for my car insurance went from $900 to $1700 and then again to $2400 (for every 6 months).When I questioned, all they could tell me was... well, you had a new vehicle (ok, maybe worth a small increase) and then they said "you had violation 2 years ago and another one 3 years ago!"Absolutely unacceptable. They are increasing the rates as they feel like.Desired Settlement: I want to be refunded for the difference between the $1700 (each six month) and $2400 (each six month).

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on March 11,2015.We understand that he would like additional details surrounding a change in premiwn. We appreciate theopportunity to address his concerns.Upon Mr. [redacted]'s policy renewal effective June 5, 2014, his policy premium increased from $906.90 to$1,766.90. The premium increase was due to the addition of two violations to his driving history. Thisresulted in a premium surcharge as well as the loss of the Good Driver Discount.[redacted] Proposition 103 does not "require" a specific surcharge for violations; however, it does requirethat driving history is the first and most heavily weighted consideration in the detennination of premiums.Although there are many factors that affect auto insurance premium, because driving history is given themost weight in the rate making process, surcharges for violations and accidents are significant.Mr. [redacted]'s premium increased again from $1,766.90 to $2,435.87 when the policy renewed effectiveDecember 5, 2014. This premium increase was due to a new vehicle on the policy and an increase in hisanllual miles driven.The rates used to calculate Mr. [redacted]'s premium are the same rates used to calculate all of our [redacted]policyholders' premiums. These rates are filed and were approved by the [redacted] Department ofInsurance, and we are not allowed to deviate from them.We understand that in today's tough economic environment that an increase of any amount is a difficultmessage to receive, but we must occasionally make rate adjustments to align the premiums we chargewith the risks we insure. We make these adjustments to ensure that we are able to fulfill our promises topolicyholders when they have suffered a loss.

Consumer

Response:

Review: Their client hit me in my parked car and damaged my bumper. They are only willing to pay for an after market bumper, not a manufacturer bumper. The damaged bumper was a manufacturer bumper and I just want it to be replace with the same part. I have spoken to five representatives over the last week, with no help at all. The last representative I spoke to would not give me her superiors name and extension and hung up on me. I just want the proper part put on my vehicle.Desired Settlement: Just repair the bumper with the proper manufacturer bumper not an aftermarket bumper.

Consumer

Response:

Review: We have had home insurance with Ameriprise through Costco for several years and never had a claim in the past years and never had any issues, until now when we purchased another house and asked for quote from Ameriprise. Since we applied mortgage on this house purchase and the lender required to have home insurance quote prepared to them. I told Ameriprise this new purchase will be primary residency after we move out of current house, but I would like to keep the same home insurance on the current house because we don't know when we will move out. The customer service didn't listen to my explanations, and just told me starting the closing date of the new house purchase, the current home insurance would be terminated because we can not have both houses as primary residency regardless when we plan to move or whether we decide to move out of current house or not. So I checked with another home insurance company and used another insurance company for the new house purchase. Since the lender or the title company didn't pay Ameriprise the quote of the home insurance they prepared, I got a letter from Ameriprise for the past dues. Meanwhile I also got a letter letting me that our current house home insurance has been terminated since 10/1/2015 after closing of another house. So I called Ameriprise to cancel the quote of the new house and asked them to resume the home insurance I had at current house because I told them we decided to lease out the house we just purchase instead of primary residency. And I proved to them that we have rental listing from the website for real. I didn't lie about my primary residency home. I didn't agree with Ameriprise to terminate my current house home insurance from the beginning, and I didn't purchase home insurance from Ameriprise on the new house either. Strangely I was told since the current house home insurance is already terminated, I will have to apply as a new home insurance. Because this house roof has been more than 15 years old, the new home insurance can not do roof coverage. I tried to explain to them that it is the same house and same home insurance I have had with Ameriprise for years. I never accepted their termination of my house insurance and I never owe or late on payment, and never had any claims. that's why the roof is old without any replacement done in the past years with Ameriprise, and still good for another few years before it will require new roof claim or replacement, because I just had it inspected and did some leak repair two months ago out of my own pocket. Whatever I explained, Ameriprise refused my insurance coverage request and insisted I had to do a new home insurance without roof coverage, or I have to get a notary to claim primary residency and wait for 2 months until roof is inspected by their inspectors before I can apply a new home insurance. I disagreed to leave my house without insurance for another 2-3 months. I don't know what do do now with my current home insurance. It is just odd to me that I can not have the same home insurance which was just terminated for a wrong reason and by one side without both side agreement.Desired Settlement: Please help resume the same home insurance or continue my previous home insurance I have had with Ameriprise for years. Just need same insurance coverage and same payment to continue.

Business

Response:

Thank you for sending the complaint filed by [redacted], which we received on November 3,2015.We understand that she would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address her concerns.On August 17, 2015, [redacted] called to inform us she had purchased a new home located at [redacted] and verified this would be her new primary residence. We informedher she would need to obtain a new policy for the residence located at [redacted], because we would not be able to continue the insurance after October 1, 2015, since itwould no longer be owner occupied or her primary residence.On August 18,2015, we issued policy #[redacted] effective September 30,2015, for the residencelocated on [redacted], and we [redacted].Later that day, we mailed a letter informing [redacted] that policy #[redacted] for the residence located on[redacted] was scheduled to expire at 12:01 a.m. on October 1, 2015, because the property wasnot owner occupied; therefore, it did not qualifY for coverage.October 1, 2015, at 12:01 a.m., policy #[redacted] expired.We did not have any verbal communication with [redacted] between August 18,2015 and October 9,2015,at which time she called and requested the cancellation of policy #[redacted] effective September 30,2015. She said she had obtained coverage with a different company because they were able to provide alower rate.On October 14, 2015, [redacted] requested reinstatement of policy #HI00802121. We informed her that dueto the lapse in coverage we would be unable to reinstate the policy, but we would offer a quote for a newpolicy.Later that day, [redacted]'s daughter, called and requested a quote for the property located on[redacted]. We provided quote #[redacted]. We informed [redacted] that prior to issuing thenew policy we would need:

Business

Response:

Thank you for sending the follow up to the complaint filed by [redacted], which we received on November 18, 2015. We understand that she would like additional clarification regarding the cancellation of her policy.As we stated in our previous response, we did not hear back from [redacted] regarding the change in her primary residence until October 14, 2015, which was after the policy had cancelled. Due to the lapse in coverage we are unable to reinstate the policy for the property located on [redacted].If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[To assist us in bringing this matter to a close, we would like to know your view on the matter.]

Regards,

Review: I was with Ameriprise 1 year - after 1 year they increased my premium on my 4 vehicles by $2,000 - there reason is "they have a better rating system than before" and it affected certain customers rates. I am one of them.Desired Settlement: I want my rates to be more in line with what I signed up with them 1 year ago as for a company of this size to tell me they have a better rating system seems strange and vague to raise my rates by $2,000 a year.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on September 22,20 15. We understand that she would like additional details surrounding a change in premium. Weappreciate the opportunity to address her concerns.The changes to Ms. [redacted]'s premium are due to a rate revision that was filed with the MichiganDepartment of Insurance and became effective for policy tenms beginning on or after August 4, 2015.Statistical data is collected and analyzed periodically to detenmine if the rates being charged are adequateto cover future losses and operating expenses. Our analysis showed that a rate increase was necessary tosupport our projected claims and operating expenses in Michigan. Our analysis involved an evaluation ofmany important insurance risk factors, such as: driving history, garaging location, number of vehiclesinsured, vehicle usage, and the coverage and coverage limits selected. The rate increase was necessary forus to continue to provide the same high-quality, comprehensive coverage on which our clients have cometo rely. The overall change for our automobile program was 22.5%; however, the realignment of our ratesaffects each policyholder differently based on the individual characteristics of the policy.We understand that in today's tough economic environment that an increase of any amount is a difficultmessage to receive, but we must occasionally make rate adjustments to align the premiums we chargewith the risks we insure.

We are a leak detection company for many years. This is the first we have had an individual from any insurance company represent himself as very rude. When he was asked for his supervisor's name he gave his own number. This is ongoing since December 2014, either on the phone or email.

Review: I have been insured for my homeowners insurance through Ameriprise since August 2013. I pay the entire years policy ahead of time through an escrow account. About a month ago, I chose to increase my coverage which would cost me an additional $100 for the year. They said they would charge my CC on file for this charges. They did not verify the card on file, and I assumed it was correct. I was out of town for quite some time, and came back to ONE notice from Ameriprise. They were notifying me that the card was not able to be charged and I would need to submit payment by a certain date or else my policy would be cancelled. By the time I returned to town and read this letter, the date has passed. I called anyway to make the payment and pay any late fee associated with. Ameriprise told me that because I did not pay this on time they have cancelled my ENTIRE insurance policy and I would not be allowed back in to their policy. After speaking with 3 or 4 different employees and supervisors, they all said there was no way to allow me to reinstate my policy. This struck me as shocking, as I have already paid for my entire policy ahead of time. It was my choice to increase coverage. They should have verified my card on file. If I knew this was at risk I would have paid the same day. I could not believe they cancelled not only my additional added coverage, but my total coverage that has already been paid for.

I had a flood in August and had to make a claim for this. I believe they are forcing me out of their policy because of my low premium pricing and recent claim. I do not believe they have the right to "kick me out" of my policy that I already paid for because of a cancelled credit card. I did not receive a bill or any phone calls from them trying to collect. Only the one notice.

They cannot rely on 1 piece of hard mail to be sent to collect. I am now forced to find a different insurance company, and I am going to be paying double the price.Desired Settlement: I would like for them to offer my policy back and the price I paid, or compensate me for the trouble and difference in price I must now pay with a different company.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on April 14, 2015. Weunderstand that he would like a more detailed explanation of why the policy was canceled. We appreciatethe opportunity to address his concems, and we believe the following timeline will help provideclarification:• On February 26, 2015, Mr. [redacted] contacted us to add additional coverage to his home policy. Heasked how the additional premium would be paid, and we explained that the payment would becharged to the credit card on March 18,2015.That same day, we emailed the revised documents along with a credit card charge notice. The creditcard charge notice provided the date of the charge, amonnt of the charge, and the last four digits ofthe credit card.• On March 18,2015, we attempted to charge $100.00 to Mr. [redacted]'s Visa ending in [redacted]. Thepayment was returned to us as a decline.• On March 19, 2015, we mailed Mr. [redacted] a notice of pending cancellation to the address on file,explaining that we would need payment by April 3, 2015, or the policy would cancel for non-paymentof premium.• We did not receive payment from Mr. [redacted] by April 3, 2015; therefore, the policy cancelled for nonpaymentof premium. We mailed notification of the cancellation to Mr. [redacted], along with a refund foroverpayment of premium after the cancellation.• On April 9, 2015, Mr. [redacted] contacted us to request policy reinstatement. We denied his request dueto a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium.We acknowledge and appreciate that Mr. [redacted] had been a long-term client, and we are truly sorry we areunable to offer him coverage. Regrettably, we are unable to change our decision after reviewing tlussituation a second time.

I was in a small parking lot accident with a person that has Ameriprise Auto insurance. I was contacted within hours after their client contacted them. The time line and my schedule was the only reason any action was delayed. The staff is very pleasant to deal with and very professional. If I ever change from my current insurance, I will definitely consider them in a heartbeat. Tanisha in the Pheonix office is an asset to this company. I was notified within an hour after my formal statement that a check was issued for the repairs on my car. Thank you for your professionalism and expedient service. Keep up the good work.

Sincerely, [redacted]

Review: This company insures the driver who ran a red light and hit my car on Friday, 31 January 2014, [redacted]. This accident left my car inoperable because she hit the front right wheel. I paid $295 to get the car from the tow yard, too. I have called Ameriprise and only receive promises that my calls will be returned. To date, I have not heard back from them and they have neglected to come see the damage to my car. I am waiting for them to look at my car so repairs can begin. I am too young to rent a car. Therefore, I am without a car while awaiting their response and then until repairs are done.Desired Settlement: This company should call me promptly to schedule an appointment to view the damage and discuss reimbursement for towing as well as the cost for repairs.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on February 25,

2014. We understand that she feels there was a delay processing the claim. We appreciate the opportunity

to address her concerns.

On February 3, 2014, our insured reported this claim to us. At that time, we were not provided with any

information about Ms. [redacted]. On February 13, 2014, we obtained a copy of the police report that

allowed us to identify Ms. [redacted] as the owner of the other vehicle involved in this accident.

On February 26, 2014, we left a voicemail message for Ms. [redacted], and spoke with her on February 28,

2014. During that conversation, Ms. [redacted] stated she would like to be present when her vehicle is

inspected. To accommodate Ms. [redacted]'s request, we have scheduled the vehicle inspection for Friday,

March 7, 2014, after 4:00p.m.

Additionally, this was an intersectional accident and there is a dispute as to which party had the green

traffic light. Therefore, we are currently attempting to reach a witness to get a statement and resolve the

liability dispute.

We are truly sorry that Ms. [redacted] experienced this unfortunate event, and understand her frustration

with the length of time it is taking to resolve this claim. It is always our intention to handle all claims as

efficiently as possible, and we are presently working toward an amenable resolution of this matter.

However, we genuinely regret that this experience has not met Ms. [redacted]'s expectations.

If you have any questions about this information, you may contact me at ###-###-####, Ext. ####.

Sincerely,

IDS Property Casualty Insurance Company

Review: I have an auto insurance policy with Ameriprise # [redacted] for 10 years. I was traveling international and did not check my mail for long period due to workload.

My policy expires on July 15, 2013, I remembered and called them on July 17, 2013, and they informed me they cancelled the policy and could not re-instate it. I spoke to a supervisor and he said I reviewed the account and will not re-instate. I explained to him my situation and he said I sympathise with you but I can not make an exception. For 10 years, I paid timely and never defaulted and now they are leaving me in the cold with no grace period. I also still have an active home insurance with themDesired Settlement: I request the Ameriprise re-instate the policy quickly and reimburse me for all expenses endured.

Also I request an appology

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint flied by Mr. [redacted], which we received on July 18, 2013.

We understand that he would like a more detailed explanation of why the policy was canceled. We

appreciate the opportunity to address his concerns, and we believe the following timeline will help

provide clarification:

• On May 31 , 2013, we mailed a premium notice in the amount of $1,938.00 with a due date of

July 15, 2013. The premium notice states, "Failure to pay the premium by the due date will result

in the cancellation of your policy."

• On June 26,2013, we mailed reminder notice in the amount of $1 ,938.00 with a due date ofJuly

15,2013. The reminder notice states, "Failure to pay the premium by the due date will result in

the cancellation of your policy."

• We did not receive payment from Mr. [redacted] by July 15, 2013; therefore, we canceled the

policy for non-payment of premium, and mailed notification to Mr. [redacted].

• On July 17, 2013, Mr. [redacted] contacted our Client Service department to request policy

reinstatement. We denied his request due to a lapse in coverage and break in the contract when

the policy cancelled for nonpayment of premium.

We acknowledge and appreciate that Mr. [redacted] had been a long-term client, and we are truly sorry

we are unable to reinstate his policy after reviewing this situation a second time.

If you have any questions about this information, you may contact me at I ###-###-####, Ext. ####.

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

cc: Mr. [redacted]

Review: On May 26, 2015, I informed Ameriprise employee Jennifer that as of May 28 2015 I am entitled to a discount for "55 and retired." I requested (1) a credit for that discount for the remaining two months of my existing homeowner's policy [redacted]" and (2) application of that discount for my renewal policy beginning 7/27/15. She indicated that she would issue a $4.83 credit for the two remaining months of my existing policy and indicate that I am entitled to that discount for the renewal policy. She did not issue a credit for the two remaining months of my existing policy and my renewal policy (7/27/15 to 7/27/16) did not reflect that discount. On June 18, 2015 I spoke with Ameriprise employee Mike and informed him that my renewal policy should reflect the "55 and retired) discount; he concurred and sent via e-mail a "Revised Renewal Declaration" which reflected the discount on the renewal policy. However, he did not issue the $4.83 credit for the current period. On June 18, 2018 I e-mailed Ameriprise and reitered that I am entitled to the $4.83 credit for the current period. I received an e-mail response on June 19, 2015 from "The Ameriprise Auto & home Insurance Team" which stated: "We have verified the credit of $4.83 will be refunded within the next 72 hours." Ameriprise did not issue such credit. On June 24, 2015 (today), I spoke with Ameriprise employee [redacted] who stated that Ameriprise issued the credit but that the bank has not posted it. I disagreed and [redacted]'s "digging" further revealed that Ameriprise has not issued the credit (a computer "glitch") but that she will ask the Ameriprise Accounting Department to manually issue the credit within 48 hours -- I do not believe the credit will ever be issued without Revdex.com intervention. My conversation with [redacted] revealed that she is not competent -- she did not even know how to read the declarations page of my policy. I realize that $4.83 is a small amount; however, if (for example) Ameriprise has 100 policyholders who are entitled to a credit of approximately $5.00 each and Ameriprise does not issue such a credit to them, Ameriprise would realize $500,000 of revenue to which they are not entitled -- a poor business practice which verges on fraud since they are aware that it is their responsibility issue a credit. tDesired Settlement: (1) Formal intervention by Revdex.com and public posting of complaint and (2) Ameriprise's Immediate issuance of $4.83 credit. It is not the amount of the credit that is of primary importance -- it is that Ameriprise has acknowledged that it is their liability to issue a refund.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on June 25,2015. We understand that she would like a refund for the addition of the 55 and Retired discount on herJuly 27,2014, to July 27, 2015, policy term.On June 24, 2015, we issued a credit of $4.83 to Ms. [redacted]'s checking account.We apologize for the inadvertent delay in issuing the credit and any frustration we may have caused Ms.[redacted]. We are pleased the matter was brought to amenable resolution.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: In November, 2014 I became a victim of identity theft where someone made an unauthorized transaction from my checking account. Once it was discovered the bank suggested I close that account and open a new checking account. While I worked through the process of doing so, all of the direct billing accounts were not paid for that month - the auto insurance payment with Ameriprise was one of them. By the time I got matters situated to where I could utilize the checking account it was shortly before or after the holiday. I then contacted Ameriprise attempting to make arrangements to pay the insurance premium for that month, I was verbally told they cancelled the policy. I found that to be odd since the only payment due at that time was the payment for that month. A few days later I received a cancellation notice in the mail.

I was left with no option but to obtain other insurance. While trying to work with a busy schedule, I took time to contact a few companies to compare rates, etc. which took a few days, I then secured a new policy. I contacted my advisor with Ameriprise and explained the situation, he put me in touch with someone in a position of authority who could assist. I was then contacted by Ameriprise offering to resintate the policy, I explained that I would like to do so but needed to wait until January/February of 2015 to do so because I could not afford to have money tied up around the holidays waiting to get reimbursed, etc. I contacted Ameriprise in January/February, spoke with the same person, paid the premium and reinstated the policy. I explained that I wanted to keep the coverage, etc the same and OFFERED to provide a copy of the insurance I had at the time. At no time was I informed that I needed to do anything other than pay the premium. A few days later I received a packet in the mail which I assumed was the insurance cards (also emailed to me) and the policy.

About 30 days later I received a notice that my insurance premium was going to increase for the next couple months, I called to find out why. I was then told I did not complete the application and provide a copy of the prior insurance and health card. I provided the information, a few days later I received another notice about a premium increase, I again called to find out why and also contacted the person I dealt with previously. I was told that because there was a "gap" in insurance my premium would be increased by almost $200. Now, I'm being given the song and dance about what the written policy is, etc. etc.

The situation that occurred with my checking account was unforeseen and beyond my control. However. Ameriprise chose to arbitrarily cancel my policy - without notice - which caused me to have to find insurance elsewhere. If there was a "gap" in insurance it was for no more than a few days. Why should I be penalized in paying a higher premium for the next six months - which I was told is no big deal - when they could have rectified the situation entirely. Ameriprise was only concerned with receiving premium payments and finding ways to increase those payments and not work in the best interest of their customer. In my last communication, in so many words, I was told there was nothing I could do about it and I had the option of taking my business elsewhere.

Prior to filing this complaint. I did some research online only to find out there are over 100 complaints against company for similar occurrences including POOR customer service and price hikes. I also consulted with an attorney and the insurance commissioner in my state, both of which disagree with the manner in which Ameriprise handled this situation.

Note: All of the dates mentioned in the subsequent page are estimated timelines, not exact dates - contact was made with Ameriprise in November, 2014, January/February, 2015 and again in April, 2015.Desired Settlement: My insurance premium should be restored to the price quoted when the policy was reinstated. I would also like for this information to remain in the Revdex.com file for future reference regarding Ameriprise.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on April 22, 2015.After a discussion with Ms. [redacted], we have agreed to continue her auto policy at the rate she wasoriginally quoted on December 8, 2014.Ms. [redacted] has been advised that her premium will remain the same, and she was pleased with theoutcome of this matter. We regret there was any confusion regarding our requirements.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I closed my home loan march of 2013. I set up an escrow account that includes home insurance that was paid in full upon closing through [redacted] made a billing error and sent the check to ameriprise instead of safeco. Never heard from ameriprise whatsoever. Fast forward, October 2013, I received a call from a collections company telling me that I have been reported for unpaid dues of $167 by safeco for insurance coverage march-may 2013. I called Safeco and they notified me that I do not have insurance coverage since june which gave me chills since its the summer/fire season. They informed me that they have not received any payment from [redacted]. I reviewed my documents and it was clearly stated there that home insurance was paid in full for 1 year in the amount of $776.00. I called [redacted] and they gave me a run around, after about a week of threatening and constant call to their office. One of the assistants gave me a call and stated that she had requested my files to be reviewed and it would take about 2 days for the file to arrive at their office. She was the only one who was helpful enough and the rest never cared. After about a week, I received another call from them saying that they made an error of forwarding the check to ameriprise and sent me a proof that it was cashed out! She also told me that ameriprise had put it in on another person's account although it was clearly stated there with my name and address. Ameriprise never called me no the escrow. They just went ahead and cashed the check which is very shady. After raising hell they refunded me my $776 in 2 payments in january 2014 and feb 2014. Not a word from their customer service at all when they said they will call me after their investigation. During this whole mess, it caused me a massive dip in my credit score with collections account that will stay for 7 years, and no home insurance from june-october! My interest rates sky rocketed and my bad credit score prevented me from refinancing. Had something disastrous happen to my home, I would end up homeless in the streets because of dishonesty and incompetence starting from [redacted], ameriprise, safeco and US bank who stated they did not have any idea since they had not called safeco for verification! Overall this mess gave me tremendous amount of stress and I had gone to the physicians office for anxiety attacks. It will end up causing me thousands of dollars due to the high interest rates I have which isnt fair at allDesired Settlement: I would want the collections removed from my credit report, I also would like to receive a copy of the investigation from ameriprise and [redacted] and for US bank to write an explanation letter regarding their deliquency which ruined my chances for a better rate, ruining my finances by costing me thousands of dollars overtime for high interest ratesand could have potentially ruined my life.

Business

Response:

Thank: you for sending the complaint filed by Ms. [redacted], which we received on June 9,2014.

We understand that she has concerns surrounding the payment we received from [redacted]. We

appreciate the opportunity to address her concerns.

On March 12, 2013, we received check #[redacted] in the amount of $776.00 from [redacted]

for policy #[redacted]. There was no name or address listed on the check; so, we sinlply applied it to

the account number provided. We had no way of knowing the check was actually associated with Ms.

[redacted].

On November 19, 2013, Ms. [redacted] called to inform us that check #[redacted] had been deducted from her

escrow account, but she did not have a policy with us, and she was requesting reimbursement.

We immediately started investigating what had happened, and from November 22, 2013 through February

28,2014, we worked with [redacted] and the insured to whom the funds were credited to collect

the premium owed to Ms. [redacted].

Our insured mailed payments to [redacted], but [redacted] indicated the checks needed to be

issued by us. Therefore, [redacted] sent the payments to us, and we then issued [redacted] the following

refund checks: #[redacted] for $400.00 on January 25, 2014, and #[redacted] for $376.00 on March 1, 2014.

We did not report anything regarding this situation to a credit bureau.

We apologize for any inconvenience or frustration this situation has caused Ms. [redacted]. If you have any

questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Consumer

Response:

I accept their explation about what happened but does not resolve my credit issues. I would like my complaint forwarded to [redacted] to investigate [redacted] an [redacted]. Thank you

[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.]

I have reviewed the response made by the business in reference to complaint ID 10082040, and find that this resolution is satisfactory to me.

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Description: Insurance Companies, Insurance - Auto, Insurance - Homeowners, Insurance - Liability, Insurance - Property, Insurance Claim Processing Services, Insurance Services, Insurance Agencies and Brokerages (NAICS: 524210)

Address: De Pere, Wisconsin, United States, 54115

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