Ameriprise Auto & Home Insurance

Review: We recently purchased a house, and we contacted this home insurance company for quote, although we purchased insurance from a different company. Yet Ameriprise auto&home insurance insists that our insurance with them just expired and we still owe them $209.60, for a service we never started. We've been covered by a different insurance company(actually that company covers both of our homes) from day one we moved in our new home.

They mentioned a policy number of [redacted], it is for our previous home which is now rented to a different family. The address for that house is [redacted]Desired Settlement: stop requesting payment for the service we never started

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on June 30, 2015. Weunderstand that he disagrees that he purchased a policy and is disputing the requested premium payment.We appreciate the opportunity to address his concerns and believe the following timeline will helpprovide clarification.• On February 25,2015, Ms. [redacted] obtained an online quote for home insurance for the propertylocated at [redacted]. Later that day, we were contacted by[redacted] from [redacted] to update a mortgagee clause and send an escrow withdrawalnotice. We explained that the policy had not been purchased yet, which prompted the mortgagerepresentative to request that we reach out to Ms. [redacted] to finalize the policy. We spoke to Ms. [redacted]and finalized the policy effective March 6, 2015. We then faxed the home insurance documentsand the escrow withdrawal notice for $1,162.34 to the mortgage company, with a payment duedate of March 22, 2015. We also sent confirmation to Mr. and Ms. [redacted].• On March 27, 2015, we mailed a second escrow withdrawal notice to both the mortgage companyand the insureds extending the due date to April 16, 2015 due to the outstanding balance of$1,162.34.• On April 21, 2015, we mailed a notice of pending cancellation to the insureds due to theoutstanding balance of $1,162.34.• On May 11, 2015, we mailed a cancellation notice due to non-payment of premium.• On May 19, 20 15, we mailed an outstanding balance notice for $209.60 for the coverage providedfrom March 6, 2015 through May 11 , 2015. This same notice was mailed June 18, 2015, as thereis still an outstanding balance due of $209.60.If Mr. [redacted] can provide documentation showing he was insured for this property with another insurancecompany, we would review that information and consider backdating the cancellation of the policyeffective the date the other policy went in to effect.If you have any questions about this information, you may contact me at I ###-###-####, Ext. ####Sincerely,[redacted]

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on July 13,2015. Weunderstand that he would like us to reconsider backdating his policy cancellation based upondocumentation he provided. We appreciate the opportunity to address his concerns.We have reviewed the proof of insurance from [redacted]. submitted by Mr. [redacted].In cases where two insurance companies are providing coverage and a loss occurs, we would be requiredto pay 50 percent of the damages. We refund 100 percent of the premium when backdating thecancellation of a policy 90 days or sooner; anything prior to 90 days is refunded at 50 percent of thepremium paid.Provided we can confirm losses with Ms. [redacted] or Mr. [redacted], we will deduct $146.10 from the balanceowed, leaving a remainder of$63.50 calculated as follows:• $1, 162.34 annual premium "' 366 days (03/06/15 - 03/06/16) = $3 .1 8• $3 .18 x 26 days (04/15/15 - 05/11/15) = $82.57• $1,162.34 annual premium"' 366 days (03/06/15 - 03/06/16) = $3.18• $3.18 x 40 days (03/06/15 - 04/15/15) = $127.20 "' 2= $63.52• $82.57 (100 percent of premium) + $63.52 (50 percent of premium) = $146.10• $209.60 current balance - $146.10 = $63.50 (balance owed)On July 14, 2015, we attempted to contact Mr. [redacted] to inform him we needed additional information priorto completing our review. To date, we have not heard from him.

Consumer

Response:

Just wondering if the remaining balance can be waived if we decide to move our current home insurance to them, if they do not agree, we'll just pay the balance required. If they agree please let them provide contact info with agent that knows this case as well as the settlement, thanks,

I am currently going through the claims process right now for a hail storm that destroyed homes in my area. The adjuster ran through the house so quickly and forgot to include numerous things on my claim, including things as obvious as carpet. He also did not even get on my roof or go into the attic (we had softball size hail so you think that would be a given.) When I addressed the fact he missed things, and that he had to match carpet, countertops, cabinets, etc. according to Texas state law he yelled at me. He told my contractors who were at the house with me, to submit a supplemental adjustment and he would take care of it. Well it has now been two months, we are still living in a hotel, and my adjuster only responds to emails or calls if he "feels like it." His manager, who was helpful in the beginning, does not return phone calls either. Wasps and other creatures are now invading my house, and my contractors and their adjusters are at their wits end attempting to deal with this company. Oh the adjuster for Ameriprise also feels like he has a choice to tell me who I use for my kitchen cabinets, which is obviously ridiculous. He also took it upon himself to change my check out from my hotel, and failed to notify me. They are a joke of a company and I cannot believe Progressive uses them as a third party to underwrite their homeowners policies. After this claim, I will NEVER use them again.

After reading some of the reviews, I don't feel so bad. I trusted Costco and feel good when I sign up insurance of 3 cars and my home with Ameriprise Insurance, but it's not last long. A month later, they request some info. so I called and answered all the questions they needed and thought everything would be OK. About a month later, I received a cancellation notice of the auto without explanation, and worse, the letter date 5/13/2015 but the cancellation on the 5/12/2015; that's mean my insurance has been cancelled a week before I even received the news. I was so upset and angry that I did not want to call and ask. The next day I went on and find another insurance to replace and then call them to ask to cancel my home since they already cancelled the auto. I like Costco and I hope that they will realize that if they keep them to provide the insurance for their members, their reputation will be ruling.

My policy was suddenly canceled because of a piece of facia trim that was missing from the front of my house and the 2 car detached garage was in poor condition.
1) the piece of facia broke during a storm in the winter and was fixed in the spring
2) the garage is an 80 yr old Brick building with 2 garage doors that has been freshly painted.
Complaint 1 - I never received a request to inspect the house(inside or outside)
Complaint 2 - The customer service refused to send another inspector to the house because they just don't have the time. There is a whole month before the policy expires, there is plenty of time to send another inspector out.
Complaint 3 - The customer service clearly did not care if they kept their customers or not.

Review: I purchased a home owner's insurance policy from ameriprise in october 2014. I have paid my policy on time, each month. one of the requirements of the policy was to have a home inspection, which I had no problem with. I was told that an inspector would be calling to set up an appointment. I did not receive a call or voice message, and as time went by, I forgot about it. in august of 2015, I received a notice of cancellation (effective oct 28, 2015) because I did not schedule a home inspection. I contacted the company and told them that I was never contacted. they told me that there were several attempts made to contact me..again, I told them that I did not receive one call or message.. the company verified my phone number and said that he would pass the info to an inspector to contact me.. again, I did not receive a call. after several weeks, I called again and was told to give it time, and my policy would not be cancelled because I did contact ameriprise to make an attempt to fix the problem.. a week or two after, a man showed up in my yard from ameriprise and said he needed to take pictures, I asked him if he needed to come into the house, and he told me that this was all he needed.. when my monthly payment did not get deducted from my bank account, I callled ameriprise to find out why. they told me that the policty had been cancelled because I did not have an inside home inspection. I tried to tell the woman that I was not contacted, and she, in a round about way, accused me of lying... she said that her inspectors would not lie, because they do not get paid if they do complete an inspection. well I do not lie, and I have a lot more to lose than one paycheck for an inspection job. I just recently put $25,000 worth of windows and siding on my house, not to mention 15yrs of time and money that went into my house... she told me that she had no choice, but to cancel the policy because I did not do what was required. I even asked for and inspectors phone number so I could set up an appointment, she refusedDesired Settlement: re-instatement of policy, with out change in policy coverage or price

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on November 4,2015. We understand that she would like a more detailed explanation of why the policy was not renewed .We appreciate the opportunity to address her concerns.Ms. [redacted]'s policy was not renewed on October 28,2015, due to a material increase in liability risk aswe were unable to complete the interior electrical, heating and plumbing inspection of the home. Thisinspection was ordered to confirm that all major systems in the home were free of defects and in safeoperating condition since the home is 95 years old.Over the course of a year, a total of three different inspections were ordered. Each inspector made threeattempts to make an appointment with Ms. [redacted]. All nine of the attempts to reach her to schedule theinspection were unsuccessful.In compliance with the non-renewal notification timeframe, notice of the policy's non-renewal wasmailed to Ms. [redacted] on August 25, 2015 . This notice advised we would continue the policy if theinterior inspection of the home was completed prior to the policy expiration date.In effort to try and resolve the complaint directly with Ms. [redacted], we placed two additional calls. Wehave exchanged messages and are working with her to confirm ifthere have been any updates to theinterior electrical, heating or plumbing systems, and the year those updates were completed. Providedthat these systems meet our guidelines and there have been no losses, Ms. [redacted]'s policy will bereinstated without a lapse in coverage.If you have any questions about this information, you may contact me at I ###-###-#### , Ext. [redacted].

Review: I receive a premium notice to pay for our auto insurance and a few weeks later call us that the premium notice is incorrect and increase our premium by $ 250.00 fir 6 months.

Due to their error, they said that the premium should be $ 250.00 higher.Desired Settlement: I want them to honor the first premium notice.

Business

Response:

Thank you for sending the complaint filed by the insured, which we received on March 9,2015. Weunderstand that he would like additional details surrounding a change in premium. We appreciate theopportunity to address his concerns.We sincerely apologize for the inconvenience this situation has caused our insured. On March 5, 2015,we sent a letter explaining that during the processing of his auto insurance renewal the factors needed tocorrectly rate the policy were not applied. Because of this, the premium stated on the renewal declarationpage was incorrect - it was lower than it should have been.More specifically, the premium on the renewal declaration page did not reflect the changes resulting froman at-fault accident on December 11 , 20 14 involving our insured. Therefore, we sent an amendedrenewal declaration page to our insured showing the correct premium. In addition, we made a courtesycall on March 6, 2015, and advised our insured of the updated information.We are unable to honor the first premium notice as it would not accurately reflect the rating factors of ourinsured's policy. We feel our actions and efforts are in good faith and properly set our insured'sexpectations for the renewal of his policy on March 30, 20 15.If you have any questions about this information, you may contact me at [redacted]

Review: My insurance company sent me notice of cancellation sometimes last year 2013 that my insurance will not renew by the end of March 2014, I filed complaint with them and they investigated the matter, then they sent me a letter in Feb 11 2014 that they have decided to renew the policy again until March of 2015. When I receive the letter of renewal, I called them and spoke to a live person who then confirmed that my insurance has been renewed for one more year. but to my surprise, they sent me a letter dated 4/22/14 that they have cancelled my homeowner insurance as 04/19/14, this is a surprise to me and there was no notice or call to let me know they will do this, as of now, I don't have home owner insurance. I don't know how a company can just cancelled your insurance with no notice just because they are able to do it.This is unacceptable and misinformation on their part. I spoke with a live person in February and he confirmed that my policy was renewed, this was after I received a letter from them on 2-11-14. They have collected the money from my mortgage company. Please help look into this. Thank you, [redacted]Desired Settlement: Renew my policy as agreed or for 60 days to allow my to shop for a new insurnace company.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on May 13, 2014.

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

appreciate the opportunity to address his concerns.

Mr. [redacted] previously filed a series of complaints against us with your office, beginning on January 27,

2014. Mr. [redacted] was concerned that we were unable to renew his home policy due to the number of

claims within the prior three-year period. Concurrently, Mr. [redacted] also filed a complaint with the

[redacted]). As is typical for their office, the [redacted] asked us to keep

coverage in place while they investigated the complaint and made a final determination. To meet this

requirement, we renewed Mr. [redacted]'s policy and continued coverage.

On March 19, 2014, the [redacted] sent a letter to Mr. [redacted] advising him of their finding that our action was

lawful. This letter also stated: "This determination will be effective thirty (30) days after this letter which

means that your insurance coverage which has been held in place pending this determination will end at

12:01 a.m. on the 30th day following the date of this letter."

In accordance with the finding and notification from the [redacted], we set Mr. [redacted]'s policy to cancel

effective April 19,2014. Mr. [redacted] contacted the [redacted] again disputing this cancellation. However, after

completing their investigation, the [redacted] closed their file since the policy cancellation was set in

compliance with [redacted]'s March 19, 2014, determination.

We understand that this is not the outcome Mr. [redacted] would like, but we are unable to provide further

assistance to him at this time.

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

Consumer

Response:

Review: My initial problem is that my insurance was wrongfully cancelled. I received all correspondence on Feb 3 2014 that my insurance would be canceled as of January 23, 2014. I checked with my bank to see if an attempt had been made on their behalf to withdraw the funds and the bank conformed no attempt was made. They felled to reach me via phone, e-mail, or letter in adequate time to respond.Another person on this same policy was in communication with them for the past four weeks and this was not mentioned. I have documents to prove this. I contacted the insurance on February 3,2014 and was told that my payment did not process and was returned to the bank. This is incorrect because the bank conformed that no attempt was initiated by the insurance to withdraw funds.

They failed to meet basic consumer needs. I updated all my card information so that the transactions could be processed. The information inputted to preform all transactions was updated even though they say it was expired in 10/13 they continued to process the payments for 10/13,11/13, and 12/13. It was not until a claim was made to the insurance in December 31, 2013 that they were unable to process the payment in January 2014 and cancelled my policy. This is an error on the company behalf and I should not be penalized for the error or the fact that a claim was made.Desired Settlement: I would like my policy reinstated and no history every showing that it was cancelled.

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint tiled by Ms. [redacted], which we received on February 5, 2014. We

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

appreciate the opportunity to address her concerns.

On January 7, 2014, we attempted to charge $181.36 to Ms. [redacted]'s Visa account (ending in [redacted]). The

payment was returned to us as a decline.

On January 8, 2014, we mailed Ms. [redacted] a notice of pending cancellation to the address on file,

explaining that we would need payment by January 23, 2014, or the policy would cancel for non-payment

of premium.

We did not receive payment by January 23, 2014; therefore, the policy cancelled for non-payment of

premium. On January 29,2014, we mailed notification of the cancellation to Ms. [redacted], along with a

refund check in the amount of $5.12 for unused premium.

On February 3, 2014, Ms. [redacted] contacted us about reinstating her policy. We declined her request because

there was a lapse in coverage and break in the contract when the policy cancelled for nonpayment of

prenuum.

We acknowledge and appreciate that Ms. [redacted] had been a long-term client, and after fun her review, we

are willing to discuss reinstatement with her if she calls before February 21, 2014.

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

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

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.

As a homeowner and customer I am responsible for paying my home insurance every month but as soon as something happens and I need to make a claim I get a letter stating that my policy has been cancelled! Even after calling and speaking with a Client Service they explained their no high risk policy being that I had actually made an insurance claim and that was grounds for termination. Oh and by the way they randomly check insurance scores and mine was different then when they originally checked before. No credibility at all as an insurance company whose job it is to be an umbrella just in case of the worse...... But let the worse happen then Bye bye we go!

I trusted Ameriprise Auto Insurance because of Costco.I had auto insurance with Amereprise since 2009. I had an International deriver staying with us in around May 2015. I called them to put her on the policy temporarily. They told me they need proof of her US DL before 30 days. I was not trying to have her on my policy for more than 30 days and she was not using my car in any way after 30 days. I assumed that they will drop her off my policy automatically after 30 days if I don't sent them her US DL.
I learned that my insurance was not renewed after I had a collision on Oct 29. They denied my renewal in October 21, when she was no longer living with us and in no way was using my car. About 2 weeks before collision I spoke with Ameriprise regarding a different matter and no one said anything to me about non-renewal. I found out I was driving my car for a week without any insurance. Even when I called them to report the accident no one in the claim Dept. told me that my insurance was expired. I got a call from them an hour after reporting the accident letting me know that my insurance was expired at the time of collision. They said they sent me a notice by mail in August which I never received.
Since the bill was on automatic payment and I didn't check my bank statement, I did not notice that they did not taken money out of my accout. I tried to resolve the issue with Ameriprise by sending them my friend's US DL. They told me that they would renew my policy but they won't pay for my collision.
I spoke to an honest attorney. He advised me not to waste my time and money on them because I probably lose the case. They are going to argue that they had sent out a notice and they don't care if I didn't get it.
He told me it's a shame that Costco is representing them. They were a small company based in Wisconson. They do their best to take the last dime from their customers and destroy their life when they need help. He also gave me a free advice to stay away from cheap insurance companies such as Ameriprise.

Horrendous, unethical, and ludicrous practices! I will tell everyone I meet not to use them! One of their clients hit me and damaged my 2013 vehicle. There was a police report written, a witness that testified to what happened, and the person who hit me was issued a citation. Yet it took this company exactly one month to accept liability. And when the claims representative contacted me her mannerisms were the rudest I have ever witnessed. On top of the disrespectful treatment they are also not authorizing a car rental for me while my vehicle is at the dealer for one week! This company is atrocious in the way it treats the victim's of it's clients. The claims agent who contacted me is named [redacted] never gave a last name), her email is [redacted] her phone number is: [redacted] She spoke so rudely to me, and on top of that she asked me to send her pictures of my vehicle instead of asking my insurance company. Once they finally accepted liability I chose to have MY insurance company deal with them because of how rude and unethical they have been in hopes to have a barrier of protection. I was just to worried they would not take care of my vehicle. Bad business.

Review: The insurance company told me I had the right to chose any body shop and repair center I wished both 1) when I signed up for the insurance discussing any potential claims and 2) after my vehichle was vandalized on black friday.

The insurance company sent a criminal that asked for the combination of my garage code, then had me pay to have teh vehichle moved.

The insurance has now told me that I have to have the person that wanted to break into my house do the work and will not pay the estimates for the work to be done even though I was told mulitple times that I had teh right to chose the person to do the repairs. I was even told to use [redacted] dealership to do the repairs in [redacted] on Friday November 29th. Now the insurance company has told me they will not authorize the repairs at [redacted]. They have been extremely difficult to deal with. I have been lied to.Desired Settlement: The insurance needs to keep their word and let me have teh vehichle repaired using Toyota brand glass, [redacted] tinting and let me use the body shop of my choice. A few days ago I was told that this was OK. Today I was told a contradictory statement. I was reffered to these company from Costco whom you would never expect this bad customer service with.

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint filed by Mr. [redacted], which we received on December 11th ,2013.

We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity to

address his concems.

We hired [redacted] to assess the damage to Mr. [redacted]'s 2000 Toyota Avalon as a result

ofa reported vandalism claim. [ spoke with Mr. [redacted] today regarding his complaint, and he said that the

appraiser asked for his security code and required that he pay someone to move the vehicle to a location

where it could be inspected. I explained to Mr. [redacted] that I would alert [redacted] to the actions of their

appraIser.

I also advised Mr. [redacted] he has the right to use any repair shop to complete the repairs to his damaged

vehicle. His vehicle was already inspected, and [redacted] would complete the repairs for the

appraised amount of $1, 171.98 - so we had issued a check to him in the amount of $671.98 on December

9,2013, which is the appraised amount less his $500 deductible. I explained to Mr. [redacted] that if he wanted

another shop to do the work, we would simply assign an appraiser to work with that shop in order to come

to an agreed upon amount.

During our call, Mr. [redacted] indicated that he had not decided what repair shop he wanted to use. I asked

him to call and/or email me once he had made a decision; he agreed to do so

Regarding the comment in Mr. [redacted]'s complaint about glass and tinting: we will pay for industry

standard repairs, repair techniques, parts and labor rates.

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

Sincerely,

IDS Property Casualty Insurance Company

Ameriprise Auto & Home Insurance

Enclosures to Department of Insurance

cc: Mr. [redacted]

Review: I have auto insurance with this company. My care was stolen by my daughters father and wrecked three different times. He is now incarcerated for this crime and voilating his parole. The insurance company has put me off since I filed my initial claim even though I have given them everything they asked for as quickly as possible. There were two other vehicles hit with my vehicle which I did not know about until I was contacted by the individuals. My claims rep refuses to give me an answering and this is now going on three weeks. I am renting a vehicle on my own and it is killing my credit card. I have always paid on time and they keep giving me the run around. She refuses to contact me and keeps giving me weekly updates saying that the update times remain the same which are always 7-8 days at a time. She was to get back with me on 9/2/15 and she contacted me today for information I got back to her within 10 minutes. She then says she will contact me on 9/10/15. I paid for insurance and I would like to know if my car it totals or if I can get a rental. My life is on hold and my job in jeopardy all because she is not doing her job and is clearly overwhelmed. I need answers like yesterday.Desired Settlement: I would like my car fixed asap. I need my transportation and I am being treated like a criminal even though I am the victim. I paid for a service and I want my claim settled now. This happened on 8/15/2015 and I still have no answers other than the investigation continues each week.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on September 2,2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunityto address her concerns.Ms. [redacted] filed a theft claim with us on Saturday, August 15, 2015. On Monday, August 17,2015, wecontacted Ms. [redacted] and obtained a recorded statement. At that time we also requested a copy of thepolice report and an Affidavit of Theft to be completed by Ms. [redacted]. On August 19,2015, we receiveda domestic dispute police report as Ms. [redacted] was not able to file a stolen vehicle report.On August 24, 2015, we again requested the completed Affidavit of Theft and also requested a copy ofthe lease agreement, title to the vehicle, and cell phone records.On August 26, 2015, we received the Affidavit of Theft, title and registration, as well as cell phonerecords. On August 27, 2015, we received a copy of the lease agreement.On September 1, 2015, Ms. [redacted] provided us with the full name, address and phone number of theperson who allegedly stole her vehicle ..On September 2, 2015, we received the full police report from the police department with supportinginfonnation which concluded our investigation. As the vehicle was detenmned to be stolen, no coverageis afforded for damages incurred by the other parties whose vehicles were struck by the stolen vehicle.On September 3, 2015, we finalized the vehicle total loss settlement with Ms. [redacted]. We also requestedMs. [redacted] provide us with receipts for the rental vehicle for reimbursement. At this time, we areawaiting the vehicle Power of Attorney form and the rental invoice in order to issue payment.

Review: I have been with this company for 7 years . I was two days late on my payment . I called today , no one would give me an explanation as to why they would not reinstate us , other than I was late . No grace period either which seems odd . However they sent me new insurance cards for the next 6 months . I truly believe I was lied to and because of our recent accidents on the account they decided to not renew us . They of course would not admit this . Customer service is horrible . I feel we were denied because of accidents . This was horrible we have a very clean record and after this I feel they have no concern.Desired Settlement: I feel they need to show me the fact that there is no grace periods and show how they actually make that decision .

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on August 27,2015. We understand that she would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address her concerns and believe the following timeline will help provideclarification:• On July 10, 2015, we mailed the August 24, 2015, to February 24,2016, renewal offer. Includedin the renewal package was a premium notice in the amount of $1,438.00 with a due date ofAugust 24, 2015 . The premium notice states, "Failure to pay the premium by the due date willresult in the cancellation of your policy."• On August 5, 2015, we mailed a reminder notice in the amount of$I,438.00 with a due date ofAugust 24, 2015. The reminder notice states, "Failure to pay the premium by the due date willresult in the cancellation of your policy."• We did not receive payment by 12:01a.m. on August 24, 2015; therefore, the policy lapsedbecause the renewal premium was not paid on time.• On August 26,2015, Ms. [redacted] called and requested reinstatement of her policy. Wedeclined the request reinstate the policy because there was a lapse in coverage and break in thecontract when the policy cancelled for nonpayment of premium.For your reference, our policy book includes the following language:If tltis policy has been in effect for 60 days or is a continuation or renewal policy, we may cancel only:l. For nonpayment of premium; or2. For suspension or revocation of your driver!s license or that of any other operator who customarilyoperates your insured car. The suspension or revocation must have taken place during the policyperiod or since the last anniversary of the original effective date of the policy ifit was written formore than one year.We recognize and appreciate that Ms. [redacted] had been a long-term client, and we understand this isnot the outcome she would have liked. However, based upon the facts of the situation, we respectfullymaintain our decision not to reinstate the policy.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

Business

Response:

Thank you for sending the follow-up complaint filed by Ms. [redacted], which we received onSeptember 3, 2015 . We appreciate the opportunity to provide additional information.We reviewed Ms. [redacted]'s policy and confirmed that we sent all the appropriate notices to herregarding the requested renewal premium and pending cancellation of her policy. When we subsequentlydid not receive payment, the policy cancelled on August 24,2015, for non-payment of premium and wemailed the appropriate cancellation notice to her.We understand that this is not the outcome Ms. [redacted] would like; however, after reviewing the factsof the matter a second time, we respectfully maintain our decision not to reinstate the policy.

Consumer

Response:

Hi,

I have very disappointing experience with Ameriprise for my home insurance. They charged me for one full year of home insurance. After I week of policy, I was informed that they will cancel my Policy with in 1 month just because there is no fire station with in 5 miles of my house. When I enquired and found a fire station and tried to convey contact details of fire station (as directed by fire dept), I called ameriprise to talk about it but ameriprise simple refuse to listebn me. I was told that I only need to subit paper from fire station with the information. Ameriprise can not contact fire station to verify anything.

This is rediculous. They are not even willing to verify with Fire station..... Even thye should have old me before giving me Policy. It is simply irresponsible, first you sold the policy and then cancel at your own will and charge me for th eperiod you decide.

Nobody should buy any policy with such irresponsible company..

Review: I applied for a new policy for auto insurance in January 2014. The policy number was [redacted] for vehicle with CA license [redacted]. The policy declaration states clearly that the policy period is 01/21/2014 to 07/21/2014. I never applied for or signed an agreement for any other period. On June 20, 2014 I moved to [redacted] to study in a post-degree program at the [redacted]. I put my car in storage and purchased a stored vehicle insurance policy from Farmers Insurance, effective June 17, 2014. I sent a form letter to Ameriprise IDS Property Casualty informing them of my move, new address and decision not to continue being a client. There is no evidence my request my read or processed. On July 23, I checked my online banking report with [redacted] online and saw that Ameriprise IDS Property Casualty charged me $714.87 on July 22 although the only policy I received stated in writing that the policy period ended July 21, 2014 and I did not agree to any other term, verbally or in writing. I have called the number listed on my policy documents three times, but this is an expensive international call. No live agent answers the phone, the phone menu does not include discontinuation of service or billing error correction among choices and after selecting "other" the call disconnected. The recording referred me to the website www.ameriprise.com/ford service, but the page currently displays the message "Sorry we can't find your page -- the page you are looking for has been removed from this site."Desired Settlement: Please refund the unauthorized charge of $714.87 to my credit card account.

Business

Response:

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]. 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. ####.

DONT BUY INSURANCE AT COSTCO!!! The phrase "you get what you pay for" has never been more true. I had the worst experience with a simple claim. A wheel was stolen off the car and there was damage done from the jack, etc. They sent an adjuster because apparently the $2500 estimate from the body shop was "ridiculous". Then they determined that since one of the dents looked like a door ding that I had to pay both the comprehensive and collision deductible. Yes, they actually consider a door ding, if in fact thats what it was but I disagree, a COLLISION!!! 17 years in the insurance industry and I've never had or heard of an experience like this. The independance adjuster, who they blame everything possible on, said that my fender didnt need replacing, just the dent banged out with a hammer. My auto shop actualy asked me not to bring the car back there if it was for an insurance claims because it was the worst experience they have ever had. Pretty bad when a shop would turn down business. It took 16 days for a wheel and fender to be replaced. My car is 2 years old and they wanted to use aftermarket parts. For example, they found a rim similar to my Honda rim and thats what they wanted to put on my car. When you call the claims rep, she says things like "thats not my fault" or "what would you like me to do about it" when you express concern over the delay and how the claim is being handled. I cant imagine what it would have been like if there was a total loss. RUN AWAY from this company, learn from my mistake. Found better customer rated coverage for only $67 more a year. Well worth it, cant cancel this coverage fast enough. Uncaring, rude and they will "nickel and dime" you to death. They fought with the shop over $100 for 5 days. Ridiculous.

I had the worst customer service experience with a home owners claim. It was not with just one agent . It was with a least two plus two supervisors. All whom were completely incompetent in their jobs. I would rather pay more somewhere else than be treated in the careless manner this company did. Please, if you are thinking about chosing Ameriprise because of Costco, dont! Costco is working with me but Ameriprise will do nothing.Avoid them at all costs.

Review: I was involved in an auto accident that was not my fault. The driver's insurance company accepted liability. Their claims adjuster [redacted] sent us an offer & then reduced that offer $250.00 with no explanation. I feel that he was mad & wanted to punish me. The original offer was not a fair amount to replace my totaled truck.Desired Settlement: Pay me the fair market value of the truck

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on January 14, 2015.We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.On December 31, 2014, Mr. [redacted]' 1991 Chevrolet S-I 0 was deemed a total loss based on the estimateddamages of $4,680.06. Through an extensive market research conducted by a third-party vendor,AudaExplore, we determined the actual cash value of Mr. [redacted]' vehicle was $2,724.00.On January 5, 20 15, we presented two total loss settlement options to Mr. [redacted]: $3,089.40 for a nonowner-retained settlement, and $2,8 14.76 for an owner-retained settlement. Mr. [redacted] stated that hewould accept the non-owner retained settlement of $3089.40, but he also wanted to retain the vehicle. Weexplained that if the retained his vehicle, we would take a deduction for the value of the salvage; we wouldotherwise recover that amount from the auction of the salvaged vehicle.Mr. [redacted] then told us that we forgot to include a couple of options on his vehicle, and he felt thecondition rating of the interior was low. Therefore, we requested interior photos of the vehicle and ranthe actual cash value again - upgrading the interior condition and adding the missing options. Therevised actual cash value was $2,774.00. We also asked AudaExplore to obtain dealer quotes as anadditional evaluation. That actual cash value was $1,950.00.On January 9, 2015, we revised our offer based on the highest actual cash value of $2,774.00 and wepresented both the non-owner -retained settlement offer of $3,144.15 and the owner-retained settlementoffer of$2,869.50 to Mr. [redacted].In his complaint, Mr. [redacted] indicated that we reduced his settlement amount by $250 - actually, weincreased our settlement offer by $54.75 for non-owner retained settlement and $54.74 for owner retainedsettlement.We are confident that our settlement offers are fair and reasonable and accurately represent the value ofMr. [redacted]' vehicle.

Consumer

Response:

Review: On August 10th, I received a letter stating they had cancelled my insurance and sent a refund check. I did not understand why they were cancelling my insurance and placed a call immediately. Once I spoke to the representative, they stated they had not received an application. She stated in May when they sent me my packet, there was an application. I pulled out the packet but it did not state that there was an application in the welcome letter that needed to be returned. The application was about the 5th page back after the declaration page and there was not a return envelope included in the packet to indicate an application. The representative stated that they attempted to call my cell phone on 7/4/2015 but it was a system generated voicemail that was generic. On top of this, they were still mailing all my documents to my old address. They had said there were other mailings that were not returned and it was not forwarded to my address. Due to not receiving a signed application they had to cancel my application and could not reinstate it. The representative tried to see about reinstating since they had just cancelled my insurance on 8/6/2015 but they would not allow it. I asked to speak to a supervisor but she stated the same and said I would have to start the process over. I stated, do you guys even want my business? The supervisor said yes but you will have to start the process over. Once I called back to the regular number with progressive insurance and started the process again, I was told that I could not have an insurance policy with them any longer due to them cancelling my insurance. A simple phone call from a live person could have resolved this issue of needing a signed application or even an email. Instead, they used system generated call system that sounds like a sales tactic and was sending my information to my previous address.

Business

Response:

Thank you for sending the complaint filed by our client, which we received on August 11,2015. Weunderstand that she would like a more detailed explanation of why the policy was canceled.We contacted our client to discuss her concerns. We offered policy reinstatement, which our clientaccepted. Her policy is currently active.

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.

Regards,