Ameriprise Auto & Home Insurance

Review: I have been an excellent customer for many years through [redacted]. I was informed today that my renewal premium has increased from $840.21 to $1647.34 for the annual renewal with no changes on the policy nor any claims.. 99% increase. This is not acceptable. Your customer service could not explain except to say that you along with state of Az now have new rates...... No other companies are increasing with such drastic increase anywhere close that has had no catastrophic disasters.. Even the East coast is only increasing up to 9% which the senate is now investigating. What is happening with your rates?? The state is not substantiating your claim on these high increases. The supervisor I spoke with could not verify the correct calculations are being made but only that it looks correct. I do not think anyone would nor should think a 99% increase is justified in one year.

I would hope Ameriprise would have the business sense to at least have someone with the ability to actually do the homework and verify that these rates are justified and not just say that's the new rates and we can do nothing about it. 99% UNBELIEVABLE. If you are increasing all policies in AZ, I would not look forward to a long business relationship in Az.Desired Settlement: I would like an answer in writing from someone in the underwriting department to justify the increase over and above other companies and a phone call to explain just how any company can justify a 99% rate increase in one year without any justifiable reasoning.

Business

Response:

Thank you for sending the complaint filed by Ms. [redacted], which we received on August 4,2015. We understand that she would like additional details surrounding a change in premium. Weappreciate the opportunity to address her concerns.The change to Ms. [redacted]'s premium is due to a rate revision that was filed with the ArizonaDepartment of Insurance and became effective for policy terms beginning on or after February I , 2015.The overall change for our homeowners program was 2.8%; however, the realignment of our rates affectseach policyholder differently based on the individual characteristics of their policy.Ms. [redacted] indicated in her letter that her premium increased 99%. The premium was $840.21 for herprior policy term. The new policy term (effective September 9, 2015), which reflected the rate change,resulted in a premium of$1,647.34. The overall increase from the previous policy term is $807.31, or96.1%.Upon review of her policy renewal, another issue surfaced that contributed to her increased premium. Ourcredit burean (Equifax) was not able to locate her in their credit records. We reviewed the report and itstated "Date of Death 01110," which is why the bureau retillned a "no-hit" result when we attempt torequest her credit infonnation. We offered to re-rate her policy after receiving a notarized statement thatthe reported information was incorrect, which would lessen the impact of the rate change; however, asizable increase (approximately 50%) would still occur due to the other aspects of our filed rate change.We spoke with Ms. [redacted] today to explain this situation.We understand that in today's tough economic envirorunent 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.

Review: When the time came for the renewal of my policy, Ameriprise informed me that they needed some information before they renew my policy. They needed a statement that no one other then my wife and I drive the vehicles and that they are not used for business use. They also needed a few pictures of the salvage title vehicle. And lastly, they wanted us to find a asi certified mechanic and pay them to do and inspection on the vehicle so that it is safe to drive(after we had it insured with them over 5 months). I faxed them the statement and confirmed that they received it. Then I started looking for a certified mechanic that Ameriprise would approve and had a hard time with that. Went to sears auto, firestone, meineke, the dodge dealership service center(this is a 2013 dodge charger), and a few more little shop close to me. no one was certified how Ameriprise wanted them to be. Finally I was able to find someone out of state that was able to do the inspection. Last time I spoke with Ameriprise they informed me that as soon as they receive the inspection form, they will contact me by phone or mail to let me know that they received all the info or if they needed anything else from me. After a while from not hearing from Ameriprise, I decided to give them a call to see if they received everything they needed. The customer service rep said that they received the inspection form but no picture nor a statement from me. I confirmed with them earlier that they did receive it, they even read to me what I wrote. As for the pictures of the car, I did take them but forgot to email them to Ameriprise. Since they coverage stopped on 7/20 and I remembered to call them to check no the status on 7/22, they said they can't insure me, to go find another insurance company.Desired Settlement: Since they never called me back after they received the inspection form to let me know if they needed anything else, they need to reinstate my car insurance policy. If they would have called me like they promised, they would have received the pictures on time. As for the statement that they claim the didn't receive, they did get it and one of the reps confirmed and even read back to me the statement that I faxed them. After me going through all that trouble of finding a mechanic out of state for the inspection and paying them, I can't believe that they would cancel the policy one me. And the inspection was not free and Ameriprise made it clear that they wouldn't reimburse for the inspection that only they wanted. Bottom line, Its unfair that after all this trouble they still cancel the policy on me. They need to reinstate the policy and reimburse for the inspection that they required me to do.

Business

Response:

Thank you for sending the complaint filed by [redacted], which we received on July 22, 2015.We understand that he would like a more detailed explanation of why the policy was not renewed. Weappreciate the opportunity to address his concerns.We requested additional information from Mr. [redacted] prior to offering his renewal. Unfortunately,we did not receive the requested information and !he policy was scheduled to non-renew. Mr.[redacted] contacted us to determine what information was required to continue his coverage. We havesince received the requested information, and the policy was renewed and Mr. [redacted]'s coveragecontinued.

Buyer beware been fighting with company since June 2015 to fix my roof. A storm came through and pulled up all my shingles up. While me and my husband was out of state visiting family. We are military and went through progressive to insure our home that we have only lived in a year and half. Have VA inspection saying roof was in excellent condition and independent inspection saying the same. Had several contractors come out in total the cheapest estimate was $10,000. The roof started leaking and ruined our entire kitchen.Ameriprise 1963.53 out of that which wasn't even enough to cover material to fix roof and kitchen. We had to pay out of pocket to replace all the electrical in kitchen, fix plaster ceiling, new microwave, new flooring, all new laminate counter tops, and all new light fixtures. Plus do all the work ourselves. I just remodeled my kitchen when moving in. THEY REFUSED TO REPLACE ROOF saying whom ever installed the roof before we bought used the wrong type of nails. Had a independent roofer state other wise. Claims department response was to double my payment on my insurance and take us to court. BUYER BEWARE STAY AS FAR AWAY AS POSSIBLE!!!! They will not hold up to insurance claims. No matter how much documentation and receipts you have to prove them wrong. Now I am out even more money having to replace my roof other wise USAA is canceling our insurance, and only gave us days notice to do. My husband is deploying in June and that is our deadline to get a new roof.

THE WORST CUSTOMER SERVICE…… PRODUCT PRICING ……. Had house insurance for 1 year. 3 days before my policy was to renew I received a prerecorded message indicating that my insurance was gaining up 55%! I have not had any claims with them at all. I called and talked to 2 different people. They were unconcerned and told me that it is the adjustment they had to make due to the claims in Colorado. I HAD NO CLAIMS….. Paid ON-TIME. I understand that adjustments need to be made periodically, but for me 55% increase……CRAZY! I DO NOT RECOMMEND THIS COMPANY AT ALL. Progressive Insurance Co assigned them to me, so I will not be going with Progressive Ins either….SORRY…FLO

Horrible experience thus far with Ameriprise and unfortunately I'm still trying to deal with them in a no fault accident. I've been with them for years and as long as you don't get into an accident and pay up its all good but as soon as you do, you get NO SERVICE and an attitude.

My agent was absolutely useless in helping me with the other insurance that was responsible for the accident and then I find out they only have 'excess medpay' not 'straight medpay' which means that you have to go through your personal medical insurance first. If they don't deny then you exhaust that and THEN Ameriprise will 'maybe' pay. This is unheard of especially since it was someone else fault and I need to go through my insurance who is making it very difficult for me. The manager I spoke to was just as rude as the agent. She told me to fax her documents on March 17th and didn't have the decency to get back to me about the fact that she never received them. This is the worst customer experience I've ever received. I am going to look for another insurance and I have made it very clear to anyone I talk to on ALL social media outlets to STAY AWAY from Ameriprise.

HORRIBLE COMPANY.

I was in an accident with a customer of Ameriprise Auto & Home Insurance. Worst experience I have ever had. Its been over a month and I'm still dealing with a resolution. It took exactly a month to get my car repaired. I have used the same shop for the same issue last rear (simple fender bender) and it took two weeks with no issues at all. Working with Ameriprise Auto & Home Insurance has been a nightmare. They are refusing to pay for the rental car because my car was not returned in a "reasonable amount of time." Well when it takes 5-11 days to approve things it does seem to take longer than usual. I will never ever use Ameriprise Auto & Home Insurance and if anyone asks me about my experience or mentions using them I will do my best to talk them out of it. I cant believe I'm having such a difficult time not to mention not having my car for a month.

I purchased a home in April 2014 used Progressive as my insurance since that is who my auto policy is through. The house was inspected on April 24th by a freelance inspector. I heard nothing more until an email I received June 10th saying the policy was going to be cancelled on July 3rd due to conditions listed on the inspector's report; specifically that granular loss on the roof meant I needed it to be re-shingled. The next day I received a letter (at my old address) saying the same things, except the letter said it would be best if I looked for a different insurance carrier. This tells me that they planned to deny the extension from the outset.

Well, two weeks is not enough time to schedule an estimate, get the financing, and schedule the repairs and replace the roof. I called for an extension on June 11th, one day after I received the original email. The agent said to call back after I got the appointments set for the estimates and I could get the extensions. She also, kindly, sent me a copy of the inspector's report which I had not seen. The report was full of errors - room dimensions were wrong, room contents were wrong; it even said I had hardwood floors and ceramic tile, when I have old carpet and 1970's linoleum throughout the house!

Anyway, I got the appointments, got the estimates, and applied for the loan. I called today (July 2nd) to tell them the status and to request an extension till the end of the month, at which time everything would be complete. I spoke to a different agent and was denied an extension because I did not keep in constant contact throughout this process.

Apparently, it is okay for them to wait two months to tell me I have two weeks to make the fixes based on a faulty report, and why bother because we don't plan to extend the deadlines and you should just find some other insurance since we don't want you as a client. Now I have a loan being approved for work I may not need, but I'll at least have the money to pay for the new premium somewhere else while I wait for the refund from Ameriprise. What do you want to bet that it will be at least another two months - or more - before I see it?

In May, 2014, I thought I was signing up for homeowner's insurance with Progressive Insurance.

We'll Progressive doesn't write homeowners policy, but their website doesn't tell you that. So when I got my policy, it was from Ameriprise, whom I have had never heard off. In June, 2014, Ameriprise sent an inspector out to inspect the property, and 3 weeks later I received a cancellation notice from Ameriprise. Their reason(s) for cancelling the policy were due, they said, to "pre-existing conditions". These "pre-existing conditions" were actually cosmetic

issues on the outside of the house which I had not had time to repair (i.e. fascia and soffits that had been blown off by the wind). The house has been continuously insured for 17 years without any claims, and Ameriprise canceled due to some missing fascia and soffits!!! Never do business with this company. Furthermore, when choosing a auto or homeowner's policy be sure to investigate who will actually be insuring you.

Review: Over a year ago we signed up for renters insurance through progressive. Last week we had army gear and tools stolen from our garage. I called progressive to file a claim. Apparently they contract out to like 8 different insurance companies and could not find my policy. I had to look through my bank account to dec 2012 to prove that I paid for it. They finally found it and said they cancelled it in June because the debit was rejected. They said that Ameriprise, the company they apparently contracted to, sent us a letter which we never got. Was also told that normally they give us a call on the phone, but apparently no one called us. So our renters was cancelled. We were never notified. And now were out thousands of dollars. Then asked me if I wanted to start a new policy. Yeah right.Desired Settlement: They owe us our property. Our money. They totally failed. It was progressives responsibility to notify us. They have our phone and email.

Business

Response:

Ameriprise

Review: I have been paying Ameriprise for auto insurance coverage for years. I never paid monthly payments and always paid my policy up front. From the beginning Ameriprise told me they would keep my credit card on file so they could automatically charge my policy as the policy would come due. When I asked, Ameriprise claimed if there was ever an issue with the card on file, I would receive a call immediately. This way, I would not have to worry about the bill and Ameriprise would stay on top of it. Ameriprise claimed this process would be "hassle free". In speaking with Ameriprise today, the policy was not automatically satisfied. In fact my policy has been cancelled since the middle of October. They claim the card was declined. Then they inform me that I cannot re-instate my policy because, I am now considered a high risk driver, stating my policy lapsed. Ameriprise was the reason my policy lapsed. I asked them why they did not contact me by phone. The first person I spoke to claimed they did contact me by phone. The 2nd person I spoke to, which was a superevisor, claimed that they do not have the resources to contact the customer by phone. I contacted the card company Ameriprise had on file, they claim, they cannot find any attempts by Ameriprise to request payment. I n other words the card was not declined. This proves gross negligence on the part of Ameriprise and I will be posting complaints on every site and source I possibly can. My Ameriprise policy insured approximately $550,000. in vehicles and I just found out I have been driving without insurance for 2 week.

Business

Response:

Dear Mr. [redacted]:

Thank you for sending the complaint filed by Mr. [redacted], which we received on November 6,

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 August 15, 2013, we mailed Mr. [redacted] his renewal information for the September 28, 2013

to March 28, 2014, renewal term to the address on file. Included with the renewal information

was notification informing Mr. [redacted] we would be applying his payment of $2,111.70 to his

Visa credit card on September 28, 2013.

• On September 28, 2013, we attempted to charge $2,111.70 to the credit card, and it was returned

to us as declined.

• On October 1, 2013, a notice of pending cancellation was mailed informing Mr. [redacted] we

would need payment by October 16, 2013, or the policy would cancel for non-payment of

premium.

• We did not receive payment from Mr. [redacted] by October 16, 2013; therefore, the policy

cancelled for non-payment of premium. We mailed notification of the cancellation to Mr.

[redacted], along with notification of the outstanding balance of $212.43 for the coverage we

provided through the October 16, 2013 cancel date.

• On November 6, 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.

However, we have since reviewed Mr. [redacted]'s policy a second time, and his policy was reinstated.

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: We have been a customer of Ameriprise since 2002. In June of 2015 our checking account was debited by Ameriprise for $207.37 and $211.32. Typically, we receive a letter explaining upcoming deductions, but we were not notified of the second charge. When I called to inquire I was told it was required billing for Texas, so I did not pursue the issue. In September (2015) we moved to Arizona and made changes to our policy. On 9/16 $433.50 and $207.32 were debited from our checking acct. Again, this was not explained on the phone nor we were notified that the second amount was being deducted. This caused us to have overdraft charges. On 9/17 $408.20 was credited back to the checking account, again without explanation. We received a cancellation notice in the mail set for November 4th. On Oct 30th I phoned Ameriprise to confirm that our application would be received before the cancellation date. The customer service person told me to email it in, which I did immediately and then mailed the hard copies. We received email confirmation that the application was received on Oct 31st. On Nov 9th we received a letter that stated our insurance had been cancelled. I called Ameriprise, they said it was a mistake and activated the policy again. I commented on the number of times I've had to contact them since June '15 and mentioned the credit. The representative calculated that the credit would need to be repaid which would add an additional $100+ to my premium.Desired Settlement: We do not want to be required to repay any monies to Ameriprise, but to be refunded anything that would be due based on our regular payments and our cancellation of the policy as of tomorrow, 10/12/15. Thank you

Business

Response:

Dear Mr. [redacted]:Thank you for sending the complaint filed by Ms. [redacted],

which we received on November 12, 2015. We understand that

she

would like additional details surrounding a change in premium. We

appreciate the opportunity to address

her concerns and believe the following timeline will help provide

clarification.On June 26, 2015, we mailed Ms. [redacted] a Preauthorized Withdrawal Notice informing her that starting on July 15, 2015, we would be withdrawing $207.32 monthly from her checking account, regarding her Texas auto policy AI02605087.On September 12, 2015, Ms. [redacted] called to notify us that she moved to Arizona. Per Ms. [redacted]’s request, we cancelled her Texas auto policy and started her Arizona auto policy effective September 15, 2015. That same day, we mailed Ms. [redacted] a Preauthorized

Withdrawal Notice informing her that we would be withdrawing $433.50 monthly

from her checking account starting on September 15, 2015, for her first

installment for her Arizona auto policy. On September 15, 2015, Ms. [redacted] was charged $207.32 for her September 15, 2015 monthly installment on her Texas auto policy. After the installment was charged, we then cancelled the Texas auto policy and credited her account $408.20, which was the prorated amount due. On November 4, 2015, Ms. [redacted]’s Arizona auto policy was cancelled in error, and she was credited $270.89. On November 10, 2015, Ms. [redacted] called and requested to have her policy reinstated. The policy was reinstated effective November 4, 2015. We explained that the $270.89 would have to be billed along with the normal monthly payment of $433.50. On November 11, 2015, Ms. [redacted] called and requested the $270.89 be waived. We said we would be willing to make payment arrangements to help pay off the balance due in installments, but we were not able to waive it. Ms. [redacted] called a second time that day to request

the policy be cancelled, which resulted in a total amount due of $95.05. We regret that Ms.

[redacted]’s policy was canceled in error, and that the charges and refunds were

not explained to her satisfaction.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:

Thank you.

On Jul 30, 2014, Wed, around 9:00AM, I talked to [redacted] claim #[redacted]. The repair facility that handles my vehicle told me that the repair is extended until Aug 6, 2014. I also told him that there was a supplement in the amount of $1621.93 that was approved by Ameriprise. That supplement should constitute 3 to 4 days additional car rental. I am requesting an extension of car rental until Aug 6, 2014 as stated by the repair facility. [redacted] vehemently denied my request and stated, "there's not much I can do." He's even denying the supplement was approved by them. After several conversation, I requested for a 3 way conference call with the Repair facility to confirm the supplement. The 2nd time request for 3 way conference call was being denied by Mr Walker. Due to my insistence, the 3 way call was granted. Finally, [redacted] acknowledged the supplement but he is only giving me one day extra car rental!. I ask for the supervisor[redacted] I called him 3 separate times, leaving messages on his voice mail. I Finally got a call back after about 3 hours, and I was given a rental car extension until Aug 4, two days shy of the repair shop's request of Aug 6. In short, I have to pay for those 2 extra days.

This incident is not our fault yet we are being penalized. This incident is their (Ameriprise's) clients fault. It is their responsibility to take care of customers, yet they're trying to squeeze the customers' pocket.

I told all my friends, relatives, and co-workers, as well as anybody I come in contact with that NEVER, ever get Ameriprise as your car insurance. Most especially with [redacted] Ameriprise claims representative, don't even try to negotiate with him. He is a liar, not customer friendly, not very helpful, and he will do everything in his power to squeeze you financially, to take advantage of you.

I hope the corporate office at Ameriprise is listening.I hope they will do something about this. If I am the CEO or the owner of Ameriprise, [redacted] is history at this time.

Thank you.

Review: I opened an insurance policy for my home and later found out through the mail that the policy had canceled, this policy was open for less than a month; when I called the company to find out why the policy had canceled I was informed that the banking information that I had given was incorrect and Ameriprise couldn't get a payment for the policy; I advised the customer service rep that I had given the correct information and it wasn't my fault that the information was taken down incorrectly by the last agent; I offered to verify the information and correct whatever information they had wrong so that they could get payment for the policy, I was told that since the policy had canceled I would not be able to reopen the policy regradless if the information was wrong. I later received a bill from Ameriprise; I called Ameriprise again and explained I shouldn't be responsible for the bill because it wasn't my fault the information was incorrect I also asked how could I be billed for a policy that was never paid on. I asked the customer service rep was it the practice of the company to insure people who don't pay on polices.Desired Settlement: I should not be responsible for a bill when the customer service rep took down wrong information; I was forced to find another company to insure my property I would like this bill to be adjusted to show a zero balance owed to Ameriprise.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on October 30, 2014.We understand that he would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address his concems, and we believe the following tirneline will helpprovide clarification:• On July 27,2014, Mr. [redacted] started his homeowner's insurance coverage with us and agreed to awithdrawal of$92.60 from his checking account ending in 8116. The payment was retumed to us as adecline.• On August 2, 2014, we mailed Mr. [redacted] a notice of pending cancellation explaining that we wouldneed payment by August 17, 2014, or the policy would cancel for non-payment of premium.• We did not receive the payment by August 17,2014; therefore, the policy cancelled for non-paymentof premium.• We mailed notification of the cancellation and the $57.97 outstanding balance for the coverage weprovided from July 27, 2014 through the August 17, 2014 cancellation date. The outstanding balancenotices were mailed on August 22, September 22 and again on October 17; all notices were mailed tohis Columbus, Ohio address.• On September 2, 2014, Mr. [redacted] contacted us to see if we could reinstate his policy. The requestwas declined because there was a lapse in coverage and break in the contract when the policycancelled for nonpayment of premium. Mr. [redacted] infonmed us he would pay the outstanding balanceonce he received the bill for the $57.97 in the mail.In his complaint, Mr. [redacted] indicated his banking infonmation was entered incorrectly by ourrepresentative, causing his payment to decline and his policy to cancel. We have reviewed the recordingof our initial conversation Witll Mr. [redacted], and the infollnation he provided is the same as what wasentered on the policy.

Review: My policy was cancelled after the payment for the month of July was returned for none payment after I had been with Ameriprise since 2002 and have never had any issues with the my account . I was also informed by Ameriprise earlier this year that my rental insurance was cancelled due to none payment. When I called and spoke to the customer service rep about my rental insurance and explained to her why; due to the account that the initial payment was taken out in December of 2012 and I did not realize it until after the cancellation, I had someone forwarding my mail then for another contract I was working on. She would not consider reinstating it. Now I am living at another address and was working on a contract in Kentucky, now my auto policy has been cancelled. I explained that I was consulting in another state for 3 months and there was no one there to retrieve my mail. I also explained to [redacted], after she stated that I should have forwarded my mail to Kentucky or had some one to retrieve mail, that the company that I was contracting with paid for a hotel and vehicle rental for me to use for the 3 months and it was not possible to forward my mail to the hotel. I also stated that I tried the forwarding and someone to retrieve my mail and I received a phone calls from Ameriprise questioning me about it - one for the P.O Box and one for the forwarding. As I explained to [redacted] that if I am working on a contract all I can do is either hold my mail or let it pile up until I am able to back to check mail. I also am not understanding why I didn't receive a call in regards to my payments being declined for the auto or the rental. In the past I have gotten calls if something was going on with my account. Now, I get nothing-unless there is an address discrepancy or someone calls in and reports to Amerprise that I don't live at the address. When I spoke to someone in regards to that the young lady that I spoke to would not give me any information in regards to it which I felt she should give me the information since I am the one paying the account. I did explain to her that my daughter's EX was bitter after their break-up which is what happen with why my rental insurance was cancelled due to him throwing the policy in the trash. But the renter's insurance should have been mailed to the address that was associated with the rental which would have been forward to my PO Box.Desired Settlement: I am not sure what direction to have taken in this matter, but I would like my auto policy reinstated. I have maintained my homeowners and auto policy with Ameriprise for over 12 years as well as rental insurance when I lived in [redacted].

If you could make an exception this time that would be greatly appreciated.

Thank you.

Business

Response:

Thank you for sending the concern filed by Ms. [redacted], which we received on September 4,2014.

We understand that she disagrees with our decision to not reinstate her policy. We appreciate the

opportunity to address her concerns.

Ms. [redacted]'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 normal due date on the 15th of each month.

On July 14, 2014, she called and requested an exception to have her July 15 payment taken on July 18.

We agreed. We attempted to withdraw her scheduled payment, as agreed, on July 18, 2014. That attempt

was not successful. However, prior to her bank retuming the transaction to us, a second attempt to

withdraw funds was made, and that attempt was also unsuccessful. Her bank returned the transaction to

us on July 30, 2014, for insufficient funds. On that same day, we mailed a notice to her at [redacted], which was the mailing address of record. This notice informed Ms. [redacted]

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. [redacted] and this notice was never retumed to us by the postal

service as being undeliverable or having an incorrect address. With respect to policy cancellation, we are

required by [redacted] statute to mail a written notice; we are not required to call clients when a payment

attempt is unsuccessful.

We understand that Ms. [redacted] is periodically away from her home for work and has challenges receiving

her mail or having it forwarded. We carefully considered this factor when we spoke to her on September

3,2014. 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 it. In light of this inquiry, we reviewed Ms. [redacted]'s policy

again; regrettably, we are unable to accommodate her request for reinstatement due to the fact that her

policy experienced a lapse in coverage. We do have an affiliated agency that may be able to assist Ms.

[redacted] in securing coverage. They can be contacted at ###-###-####.

In her complaint, Ms. [redacted] also mentioned her rental insurance, which canceled on December 19, 2013

due to non-payment of premium as a result of a declined credit card transaction. We spoke to Ms. [redacted]

on February 11 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 assistance. If you have any questions about this information, you

may contact me at I ###-###-####, Ext. [redacted].

I have used Ameriprise home owners insurance the last 4 years of living at my house. This past October we found out that there was hail damage to our roof causing leakage. There was water damage in my bathroom and in garage due to the leakage. They came out and checked it out. Sent me a check for the garage drywall only. Had them come back out with my roofer to check it out again. As I was waited I never cashed the check. I still have yet to hear about my roof being covered or getting a new check processed after calling about it 5 times since March and leaving several voice mails. This week though, we got a letter saying that they were dropping our insurance due to the claim. That being our only one! Will definitely be be looking for better insurance.

Review: I was involved in a collision on 09/17/15. The vehicle was taken to [redacted] in [redacted] to fix the car since this center is the preferred repair shop for Ameriprise. We dropped the car on 09/18/15 for repairs. It took [redacted] 4 business days to give a preliminary estimate, and an additional 3 days to provide a complete estimate of any and all mechanical work that needed to be done. On top of this waiting period Ameriprise took an extra 4 business days to approve the repairs for the vehicle before repairs were authorized. All in all, it took exactly 30 days to fix going back and forth with the insurance and collision center. Delay time in approving the claim by Ameriprise and by the collision center was not at all acceptable. I was pressured to call several times to Ameriprise and the collision center to find out the status of my claim. Throughout the claim Ameriprise was untimely and ambiguous when addressing my vehicle. Upon picking up my vehicle I noticed numerous inconsistencies and repairs still needed to be done.

Furthermore, during the period of my claim I inquired on my vehicle value since these cases sometimes are deemed a “total loss”. I was told by my Ameriprise representative when the damages exceed 60-70% of the vehicle value it is deemed a total loss. After 5 weeks from my inquiry Ameriprise stated my 2009 Toyota Corolla LE of 130,000 miles is worth $11,132.00; this is a deceitful and fraudulent value. In doing some due diligence it is easy to find the average vehicle value of my car on reputable sites ([redacted]) is an average of $7,000. By Ameriprise’s definition my vehicle’s damages exceeded 70% of this average vehicle value and should have been a total loss.

A few, but not all of the repairs include:

1 Passenger side Fender cover is missing

2 Horn is not working properly

3 There is still a dent on the driver’s side door

4 Clips missing and loose on the fender on driver’s side

5 Battery pack was not placed correctly inside the holder

6 Headlights are unproportioned

Ameriprise only approved to replace the fender on the passenger side. The rest were not approved.Desired Settlement: I would like the insurance company fix all the above mention damages and also provide me with rental car during the fixing period. I do have rental on my insurance but since it took so long to fix my car without my fault I would like the insurance company to pick up that cost. Also, I would like a further investigation and compensation of my vehicle value for the fraudulent vehicle value claim.

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted],

which we received on November 10, 2015. We understand that

he

feels there was a delay processing the claim. We appreciate the

opportunity to address

his concerns.In an effort to

resolve Mr. [redacted]’s concerns we spoke with his representative, his son [redacted],

on November 11, 2015. We explained our estimation process, including how we determine

when a vehicle is repairable and how we establish the value of a vehicle. We

also addressed Mr. [redacted]’s concern about structural damage, including an

explanation of aftermarket parts and original equipment of the manufacturer (OEM). We assured him that the bumper replacement

was performed with an OEM part.If Mr. [redacted]

brings the vehicle to the shop for inspection, we agreed to pay for a rental vehicle

while any necessary, related repairs are performed. We contacted the repair

facility and alerted them to Mr. [redacted]’s concerns regarding some of the

repaired areas. They will inspect these areas when the vehicle returns to their

shop. If you have any questions about this

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

Consumer

Response:

The issues regarding the damage to the vehicle is in process of being resolved. Ameriprise has agreed to take care of one day's rental in order to fix the remaining damages to the vehicle; however, the damage to the door was negligible to the accident per Amerirprise's investigation. [redacted] has asked me to return next week to drop off the vehicle and [redacted] from [redacted] said he will follow up with me once the parts arrive at the shop. When Ameriprise contacted me regarding the Revdex.com claim I was told [redacted] (my claim representative) would follow up with me in 2-3 business days; I have yet to receive the call.

The issue regarding the vehicle value is still pending.

Kind Regards

Business

Response:

Thank you for sending the follow-up complaint filed by Mr. [redacted], which we received on November 17, 2015.We told Mr. Khamani his claim representative would contact him within two to three business days after we receive any supplemental damages related to the accident from [redacted], which, to date, we have not received.Per Mr. [redacted]’s request, we sent the vehicle evaluation information to him today.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].

I just signed up for Ameriprise insurance two months ago. My home was built in 1921, and I have made many improvements to it over the last 12 years, but it does have a few superficial exterior issues. Ameriprise cancelled my policy with less than two weeks notice because they claim there are conditions present that increase the likelihood of a loss. I understand that they want to reduce their risk, but a little more warning would've been nice. And, why did they agree to take on my policy in the first place? Feeling very frustrated and disgusted with their business practices. I also have my auto insurance with them, but will lose the multi-policy discount. I wish I had never switched to them. I had been with my previous agency for 12 years and switched to save money.

This company is awful. I had a flooded basement shortly after obtaining my homeowner's policy and they cancelled my policy because they "retain the right to cancel if there is a loss within the first 60 days." The most absurd part of the whole thing is that the loss was not even covered, so they never paid any money on it! So they were not out any money, yet they cancelled my policy simply because they could. I would never recommend this company to ANYONE. Note to policyholders: don't report a loss within the first 60 days!

Review: I had some collision repair done through the Ameriprise's claims process at a local body shop. Before my vehicle was released into the body shop's custody my vehicle was in full working condition. When I picked up my vehicle at the body shop I discovered that the driver's side mirror wasn't working anymore. I complained to the body shop (my vehicle still parked where they had left it for pick-up) and they stated that they could not correct the issue and that the dealership had to correct the issue. I had the dealership diagnose the issue and they had to correct the body shop's mistake since the body shop stated that they could not correct their mistake. The body shop refused to pay for the expenses that I incurred as a result of correcting the body shop's mistake. Ameriprise argued that they could not relate the mirror issue with my vehicle being in the body shop's custody even though I provided evidence that the mirror was functional before the collision repair. The body shop cannot account for every second that my vehicle was in their custody and if anything on my vehicle was defective during the collision repair then all repairs would have stopped and I would have been contacted immediately, but no such documentation or notification was received. Ameriprise refused to resolve this matter for the sake of closing the claim. They even stopped responding to my emails. I pleaded with Ameriprise and they refused to honor their obligation as an auto insurance company to make sure that my vehicle was returned to me in the same working condition that it was in before the collision repair. Ameriprise had the option to provide me with restitution and pursue their right of subrogation to recover the costs from the body shop, but they refused to pursue that option. They failed me as a policy holder and failed to meet their obligation as an auto insurance company to make sure that a customer receives his/her vehicle in the same working condition that it was in before the collision repair.Desired Settlement: 1) Dealership Diagnostic and Repair: $396.71

2) One-Day Car Rental: $57.59

Total: $454.30

Business

Response:

Thank you for sending the complaint filed by Mr. [redacted], which we received on March 27, 2015. Weunderstand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.The damage to our insured's 2013 Kia Optima that resulted from the February 4, 2015, accident was tothe passenger side fender and front bumper. The damage allegedly caused by [redacted] is tothe driver side mirror, and likely the result of a loose ground wire connection on the left frame rail locatedunder the battery.[redacted] verified they did not work on the driver side of Mr. **'s vehicle, nor would theyhave reason to do so because the repairs were completed to the passenger side fender and front bumper.We are truly sorry Mr. ** experienced this unfortunate event, and we understand this is not the outcomehe would like. Regrettably, after reviewing the facts of the loss a second time, we respectfully maintainour . position. and can be of no further assistance to Mr. ** in recouping the expense he incurred for themirror repair.

Business

Response:

Thank you for sending the fourth complaint fil ed by Mr. [redacted], which we received on March 31,2015.We believe our previous three responses clearly explain our position and our decision remains unchanged.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,

Consumer

Response:

I have been insured with Ameriprise for about 15 or more years, through 5 driver's, as well as home and rental insurance. I have had thefts, Fires, car accidents have been evacuated from our home 2X due to a flood 7 yrs ago then last summer a Fire in Chelan Wa. that almost claimed our home. I can not say enough positive about the company. I have memorized their ph # and given it to countless friends and family who have saved literally hundreds over Geiko,Progressive,Farmers, Allstate or any other insurance. Through all the troubles we have experienced through the years Ameriprise Insurance has always Exceeded our expectations and gone "far" beyond what we expected. I would be afraid to be with any other insurance company, PLUS the customer service has always been super friendly and helpful. NO other insurance can come even close to touching the price the benefits or the customer service, I have checked other insurances and prices etc annually, so I know. THANKYOU AMERIPRISE. Your company ROCKS big time!!! Why they don't even advertise is beyond me.