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The prorated refund is based on the greater of the days that the contract was in force or the number of miles drivenIn this case, the prorate was calculated based on the days that the contract was in forceThe contract had 66% of the term remainingA cancellation fee of $was also deducted
from the prorated refundThe total refunded to *** *** is $A check was mailed to *** *** in AprilWe have confirmed that this check was indeed never cashed, so we assume that she never received itIn order to make sure that *** *** gets refunded in a timely manner, we have credited the funds directly to the *** account on fileA receipt of the refund transaction has been provided with this response*** *** can expect to see the funds on her end within the next 7-business daysWe sincerely apologize for any inconvenience which *** *** may have experienced

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolvedAlthough they told me I needed to wait to receive the packet before canceling and I did not receive this until past the day limit and talked to one of the operators and she said it was their fault and I will be receiving it all backAlso did not inform me until months later about the odometer reading and now stating it is my fault
Regards,
*** ***

According to our records, Ms*** cancellation occurred outside of the day grace periodMs*** did not include a certified odometer reading or notarized affidavit of mileage, in accordance with the cancellation instructions outlined in the contractWithout the ending odometer reading,
we have been unable to calculate a prorated refund We have requested on several occasions that Ms*** to provide us with this information, but have yet to receive itIn light of the fact that the cancellation was received just days outside of the grace period and in the interest of providing superior customer service, we will waive the requirement for the odometer reading and refund Ms*** in full in the amount of $We will be mailing a check to her home address of *** * *** *** *** ** ***; check number ***We would advise Ms*** to allow 5-business days for delivery

We had mailed a refund check to *** *** in March that she apparently never received*** *** contacted our Customer Service Department in April to inquire about the refundWe received an email from *** *** on April 15th, Upon receipt of the email, we verified with our
Accounting Department that the original refund check had not been cashedThe first check was immediately cancelled and a second check cutThe second check was sent to *** *** *** overnight, to ensure that she received the refund in a timely mannerThe check was delivered to *** *** on April 16th, A *** delivery receipt has been provided with this responseThe tracking number for this delivery is ***The refund is in the amount of $*** *** has confirmed with our Customer Service Manager that she did receive the refund checkWe want to apologize to *** *** for the inconvenience and ask that the Revdex.com close this complaint accordinglyPlease let us know if any additional information is required

*** ***'s refund check was in his possession prior to APA even receiving notice of his complaintWe ask that the Revdex.com close this complaint accordingly, as *** *** has received the resolution he soughtThe fact that the administrator, a separate company entirely, did not invoice us for the contract at the time of sale and refused to reinstate the contract was a matter entirely beyond our controlWe refunded *** *** in full and in a timely manner, once we were made aware of the issueIf anything is sub-par in this scenario, it is the grammar and sentence structure of the original complaint and rejectionWe are glad to have been able to get this matter resolvedWe ask that the complaint be closed accordinglyThank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.I have not received attached copy of anything going into my *** account Also, my *** account that I had used is no longer valid since I do not have that bank any longer I have requested that they send me another check They will send it to me *** ** When I receive that check I will then either destroy the mailed check OR send it back to themI will keep you posted Until I receive either check, I do NOT wish to resolve this action.Thank you for your help in this matter
Regards,
*** ***

We will provide the Revdex.com with a copy, upon their request

Our records indicate that we called this individual onceIn MarchAnd the file had been set to "Do Not Call." It is not our company calling this person over and over againWe have the phone records to prove itWe would advise her to register her number with the National "Do Not Call'
registry

I sent you an email stating this complaint has been resolved to my satisfaction. Thanks again for all your help.*** ***,Jr

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I have attached the written communication I have had with the company aboveWhen I canceled my policy I was told that if It was postmarked within the days, I would be fine to get a refund(What would be the use in a day risk free trial if you really only have a few days to try it and the rest is spent hurriedly getting the package mailed back to them by the day mark?) There was no mention at that time of the mileage statementLater I called to verify that they had received the packetAfter several minutes, I was relieved to find that they hadIt was mailed to them on Oct 4th, They needed more time to process it, and they said they would call when the refund was ready to be put back on the (canceled) cardI was nervous about their ability to refund to a canceled card, but I was trying not to upset anyone to point I would not get it at allI called a while later because I had not heard anything from them or my bank accountI was told I needed to send in my mileage to themNo one told me this was because the cancellation was late, and it was to prorate the refund amountI sent the mileage to them February 10, without notarizing it since no one told me it had to be notarized to be valid-just that it had to be in writingSeveral more weeks went by and I called againThis time I was told that they received itEven with my pleads for communication in writing from the company, no one called to tell me it wasn't validThis time I was told there would not be a full refund because I canceled too late and that is why they needed my mileage to prorate the refundAt this point I knew I would be lucky to get anything because of the many times I had to reached out to them and the customer service I had already received was less than graciousI sent the notarized copy of my mileage on May 8, after having time off from work with access to a notaryBecause I called with my intention to cancel on October 3, and had the package postmarked to them within the "risk-free" days and all of the time I have spent being lead around about where and how to get my refund, I believe I should get the full amountI have greatly condensed my experience with this company in the complaint and this responseI have also recorded many of the conversations I have had with this company in case they lost their recordings that they use for quality assurance and training, but the files are too large to attach hereI will gladly provide them if necessaryI would prefer a check as the debit card used has been canceled and I do not wish to give my new card number to them for the transaction.]
Regards,
*** ***

We are sorry that *** *** is not satisfied with the outcome, but according to the terms of her contract and the information that she provided us, there was no refund dueAs a courtesy, we disregarded the ending odometer reading that was provided and calculated a refund based on the cancellation dateThe fact of the matter is, *** *** did agree to the terms and conditions of the coverage at the time of saleShe submitted to a third party verification and agreed to the day grace period, etcThe contract was delivered in a timely manner and would have been available to *** *** online from the date of sale at her requestEven after accounting for the time it takes to mail the contract, four weeks is ample time to review the coverage, make a decision and submit cancellation. The cancellation fee of $is a pass-through fee deducted from *** *** refund from the administrator of the contract. We have already refunded *** *** in excess of the refund due under the terms of the contractNo additional refund will be processedWe ask that the Revdex.com close this complaint accordingly

We have attached a *** delivery confirmation showing that the refund check was sent to *** *** the same day that she (or her daughter) filed this complaintWe sent two checks prior to this one via *** ***, neither of which was cashed, so we have to assume that they were never received
On the day that this complaint was filed, at the very moment that this complaint was being submitted, *** *** and her daughter were on the phone with a supervisor in our Customer Service Department, *** *** *** informed them that we would send a check via *** and to expect a call from a representative with tracking informationAs promised, later that same day, after the check was cut and the *** label created, *** *** received a call from Paul Shaffer, Manager of our Customer Service DepartmentHe gave her the *** tracking number and apologized for the inconvenienceIt is our opinion that this complaint should be removed*** *** states in the complaint that her daughter has called once or twice a week for monthsThis is falseShe also claims that her daughter has held on the phone "for hours" waiting to speak to a managerThis is also completely untrueIn fact, *** *** and her daughter were on the phone with a manager at the very moment that she was apparently writing this complaint. We can provide phone records and recordings to prove this, if need bePlease let us know what we can do to get this complaint taken down, as it is unreasonable and not based in reality or factThe issue had been resolved prior to the complaint being filedThank you

*** *** was mailed a check in January, 2015, in the amount of $We have verified with our Accounting Department that the check was not cashedWe have elected to manually credit the funds directly to the Visa card on fileWe have provided a receipt of the refund transaction along
with this responseWe apologize for the delayWe process thousands of transactions each month and occasionally things slip through the cracksPlease be advised that it may take 3-business days for the refund to be visible on the accountWe are glad to have been able to get this matter resolvedPlease contact our Customer Service Department if any additional information is required

A prorated refund has been manually credited to the MasterCard account on file in the amount of $1587.08. This is based off the information that [redacted] provided us at the time of cancellation. Receipt of the refund transaction has been provided with this response. [redacted] did not call...

within the 30 day grace period. This first time that we heard from [redacted] was 31 days after the date of sale. The refund owed under the terms and conditions of the contract has been processed. We ask that the Revdex.com close the complaint accordingly.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.Please forward to [redacted] complaint #[redacted], This is to inform you I have recieved another check from AUTO PROCCESSING CENTER. I have taken the check to my bank for deposit. If no other issues come up this will close my complaint. Thank you for your assistance. 
Regards,
[redacted]

Thank you for your help We received our check a few days ago. Thank you again

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

We would simply refer [redacted] to the cancellation form that she so "legally and dutifully signed." Please refer to the second page of the form that [redacted] legally signed and agreed to, the last part of the second paragraph reads as follows: "...In order for us to calculate any pro-rata refund that may be due, the letter must be notarized with the mileage of the vehicle, registered owner information and validation of identity i.e. drivers’ license, passport, the VIN number of the vehicle and the date the letter was written."So, according to the form that [redacted] signed, the contract was not cancelled correctly and the information which she provided was incomplete. If [redacted] provides us with the correct information (specifically, the notarized ending odometer reading), we can calculate a prorated refund. This documentation will need to be mailed to our address, [redacted], with the original notary stamp and signature. This is the whole reason that [redacted]' cancellation was not accepted the first time: She did not follow the instructions that were very clearly and simply stated in the documentation that we sent to her. Without this additional information, it remains impossible to calculate a refund.  We still maintain that December 8th was the first time that [redacted] made contact with our company and we have the phone records to back this. We believe that [redacted] is confused. She was most likely called by another company (or multiple companies) trying to sell her the same type of product that she purchased from us in January of 2014. We would have no need to contact her for her mileage on an active contract (as she provided this to us at the point of sale). Phone records and a recording of the call to our Customer Service Department on December 8th, 2014, during which [redacted] accepted a discount to help with the monthly payments so that she can keep the coverage, can be provided upon request. Our representatives are not in the habit of hanging up on customers who call in; though we do make every effort to meet a customer's needs and make the coverage affordable. There would also be absolutely no sense in calling existing customers asking for mileage for active contracts. The reason that [redacted] was being hung up on is because another company or companies were calling to solicit her business. We ask that the Revdex.com close this complaint accordingly.

[redacted] Cancellation did not occur until October 8th, 2013. This was outside of the 30 day grace period. [redacted] did not include a certified odometer reading or notarized affidavit of mileage, therefore no refund could be calculated. By the time she sent one in (May of 2014),...

no refund was due based on the mileage received. In the interest of customer service, we have used the date of cancellation, rather than the mileage to calculate the  prorated refund. A refund in the amount of $145.02 has been credited to the [redacted] account on file, ending in [redacted]. We ask that the Revdex.com close this complaint accordingly. We are glad to have been able to get this matter resolved.