Carpet Plus

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

(The consumer indicated he/she DID NOT accept the response from the business.)I do not except this response due to insufficient dates does not match.Also, the information stated was not completely correctAs well, the party (s) did not address each and/or all of the complaints which were included in my complaintSeems to me as always huge Corporation(s) and/or LLC's continue to dance around the issues at hand in order to save face rather then simply apologizing admitting wrong doing and find a resolution that satisfy all parties involvedHide behind their mistakes, receive unworthy awards and credit unearned, settle claims in silence and continue to proceed under pretence.Beginning dates of policies correct,dates of ending policies incorrect, renter's insurance was never active although my credit card was chargedFurther, my roadside service due to" computer glitch" according to their supervisor which admitted and made me aware of the issue at hand and tried to resolved the issueNo complaints their: other then four months of coverage*** H*** ** *** Road Vacaville CA ***

April 4, 2016Revdex.com, Inc*** *** *** ***Oakland, ** ***Attn: *** ***Re: CORRECTION!!! Complainant: *** *** ***Revdex.com File Number: ***Dear Mr***:Please be advised, we would like to submit a correction to our previous April 4, responseWe mistakenly referred her to the Ohio Department of Insurance in errorWe meant she should go to the California Department of Insurance if she is not satisfied with our response.We would like Ms*** *** to be aware that if she believes this matter has been wrongfully denied or rejected in whole or in part, she may have the matter reviewed by the Consumer Communications Bureau of the California Department of Insurance, *** *** *** *** *** ***, Los Angeles, California ***, telephone number: 800-*** or 213-***.We apologize for any confusion regarding this matterSincerely,*** ***Policyholder Relations SpecialistCSAA Insurance GroupPhone Number: 1-855***

CSAA General Insurance Company ** *** *** *** *** ** *** *** *** * *** *** *** * *** August 9, Revdex.com, Inc*** *** *** *** *** ** *** Attn: *** *** Re: Complainant: Mr*** ** *** *** *** Revdex.com File
Number: 1*** Dear Mr***l:
We are in receipt of your office’s inquiryWe have reviewed Mr*** *** complaint to your department, which was submitted on July 28, I have provided the information you requested belowIn reviewing the above claims, our Insured has made allegations that he sustained two ice damming claims but contends that they should be consider under the same claim and that he should only be charged one $deductibleHe is also alleging that he had multiple contractors inspect his property, complete the repairs to his roof and that CSAA refused to pay for the repairs and pay his second claim
Please allow the following to serve as a response to his allegations:
1) The 2/11/weather event produced over 8” of snow that led to the ice damming“Ice Damming” means a ridge of ice that forms at the edge of the roof and prevents melting of the snow (water) from draining off the roofThe water backs up behind the dame and can leak into the home and cause damages to the walls, ceilings, insulation and other areas
2) The 3/14/weather event produced over 15” of snow in a 24-hour period for West Hartford, CT
3) “Occurrence” is defined as an accident, including continuous or repeated exposure to substantial to the same general harmful conditions, which results, during the policy period, in: “bodily injury” or “property damage”Mr** reported two separate events, which means two separate deductibles would apply
4) “Property damage” means physical injury to, destruction of, or loss of use of tangible property5) Mr** is claiming that he was not paid for the cash value for his claim, please note on the original loss (*** for the event of 2/11), Mr** was paid Replacement Cash Value $13,less his deductible of $1,The estimate included the repair to the exterior/rear elevation for roof and shingles, which Mr** has yet to start the repairsMr** was issued payment for his damages on this loss on 02/and 03/as a supplement
6) Mr** had a lengthy conversation with this Supervisor on 06/23/in which he admitted that he had not selected a contractor yetMr** has not provided any of his contractor’s estimates or reports for us to review
7) In reference to the 1001-98-claim, Mr** was paid $1,and again, has not provided any contractors estimate as requested by Mr*** on 06/23/to compareMr** requested a copy of his policy that was sent to him by our policy services departmentHis third claim was a sump pump back up with a $limit, which we paid to him
Mr** has been paid for his claims and has yet to start repairsHe has not gotten a contractor to do the repairs nor provided to us the estimates for comparisons
Should you have any questions or require any additional information please contact me at the number belowSincerely, *** *** Claims Supervisor CSAA Insurance Group *** ***

Hello ***
Attached, please find our response
Thanks

May 22, Revdex.com, Inc*** *** *** *** *** ** *** Attn: *** *** Re: Complainant: *** *** Claim Number: *** *** *** *** *** Dear Mr*** We are in receipt of your office’s inquiryWe have reviewed Mr*** follow up complaint to your department which was submitted to me on May 19, I have provided the information you requested below. Physical Damage Adjuster, *** *** is in charge of the claim at this pointI reached out to *** on Friday, May 19, and he stated he had spoken to *** at *** Collision Center this same day*** has authorized the shop to align the rear bumper, replace the steering wheel button, sill plate, shifter plate and trim panelThe dealership part of this center, *** ***, stated they couldn’t get the auto shifter to stay in park or the stero screen to move, the dealer is now stating they are in working orderThe previous adjuster, *** ***, is no longer with the companyFor any further questions or concerns please reach out to *** *** at (*** *** *** Should you have any questions or require any additional information please contact me at the number below. Sincerely, *** *** Claims Supervisor CSAA Insurance Group *** ***

Complaint: ***I am rejecting this response because:
1) AAA is stating they did not find any problems in their system causing sending payment from one member to anotherAnd yet, it happened to me - my payment went to an arbitrary, unrelated person and their billing department needed days to locate the paymentAs I did the payment online, without help of a representative, it indicates a problem in their system.
2) AAA was not able to refund the wrong payment within days since my initial call, despite several emails and this complaint at Revdex.comI had to contact my credit card company and file a dispute through themAAA definitely should not take credit for refunding the payment - they were forced through my credit card company after weeks of waiting!Sincerely,*** ***

Hello, Please find the attached responseThanks

Initial Business Response /* (1000, 5, 2015/10/28) */
October 28, 2015
Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX
Attn: [redacted]
Re: Complainant: [redacted]
Revdex.com File Number: XXXXXXXX

Dear Ms. [redacted]:
We...

are in receipt and have reviewed [redacted]'s complaint to your department submitted on October 19, 2015. Your complaint assignment has been referred to me for response.
I would like to confirm that Ms. [redacted]'s auto policy #CAASXXXXXXXXX has now been cancelled effective April 30, 2015 the day she obtained coverage with another carrier. The policy cancellation resulted in a premium refund due in the amount of $1.00. A refund check for $1.00 will be mailed out to Ms. [redacted] within the next ten business days.
In addition, we have notified Transworld Systems, Inc. to stop all collection actions and confirmed that no negative reporting to any credit bureau has or will be submitted.
We understand Ms. [redacted] is not happy with her recent experience and are sorry that we fell short of her expectations of service in this scenario. We apologize for any inconveniences these recent experiences may have caused her.
Thank you for the opportunity to address the insureds concerns. Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.
Sincerely,
[redacted]
Policyholder [redacted] Analyst
CSAA Insurance Group
Phone Number: X-XXX-XXX-XXXX
Initial Consumer Rebuttal /* (2000, 7, 2015/10/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Final Consumer Response /* (3000, 11, 2015/11/02) */
Please Reference Previous Complaint Filed:
Revdex.com File Number: XXXXXXXX
CSAA wrongfully sent my account to collections.
We resolved the collections issue, via Revdex.com complaint: XXXXXXXX. (pls see below)
AAA then REINSTATED my insurance with their company and sent me a letter to that effect, dated 10/26/2015.
I have no desire to do business with CSSA.
Would you please ensure I have no active policy with CSAA.
October 28, 2015
Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX
Attn: [redacted]
Re: Complainant: [redacted]
Revdex.com File Number: XXXXXXXX
Dear Ms. [redacted]:
We are in receipt and have reviewed [redacted]'s complaint to your department submitted on October 19, 2015. Your complaint assignment has been referred to me for response.
I would like to confirm that Ms. [redacted]'s auto policy #CAASXXXXXXXXX has now been cancelled effective April 30, 2015 the day she obtained coverage with another carrier. The policy cancellation resulted in a premium refund due in the amount of $1.00. A refund check for $1.00 will be mailed out to Ms. [redacted] within the next ten business days.
In addition, we have notified Transworld Systems, Inc. to stop all collection actions and confirmed that no negative reporting to any credit bureau has or will be submitted.
We understand Ms. [redacted] is not happy with her recent experience and are sorry that we fell short of her expectations of service in this scenario. We apologize for any inconveniences these recent experiences may have caused her.
Thank you for the opportunity to address the insureds concerns. Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.
Sincerely,
[redacted]
Policyholder [redacted] Analyst
CSAA Insurance Group
Phone Number: X-XXX-XXX-XXXX
Please ensure I have no active policy with CSAA.
Please send me a letter to that effect.
Final Business Response /* (4000, 13, 2015/11/06) */
November 6, 2015
Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX
Attn: [redacted]
Re: Complainant: [redacted]
Revdex.com File Number: XXXXXXXX

Dear Ms. [redacted]:
We are in receipt and have reviewed [redacted]'s rebuttal to your department submitted on November 2, 2015. Your complaint assignment has been referred to me for response.
Ms. [redacted] is correct she did receive a reinstatement notice on October 28, 2015 for her auto policy with us and we apologize for the confusion this may have caused. This notice was system generated and should not have been sent.
Ms. [redacted]'s auto policy had originally been cancelled effective June 12, 2015 due to nonpayment. Ms. [redacted] provided documentation to us of other insurance. Since Ms. [redacted]'s policy was already showing cancelled, in order for us to cancel her policy back to April 30, 2015, we first had to reinstate her policy so that we could go back and cancel it effective April 30, 2015 which is why she received the reinstatement notice on October 28th.

I would like to again confirm that Ms. [redacted]'s auto policy #CAASXXXXXXXXX is cancelled effective April 30, 2015 the day she obtained coverage with another carrier.
Thank you for the opportunity to address the insureds concerns. Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.
Sincerely,
[redacted]
Policyholder [redacted] Analyst
CSAA Insurance Group
Phone Number: X-XXX-XXX-XXXX

Initial Business Response /* (1000, 5, 2015/12/16) */
December 16, 2015
Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX
Attn: [redacted]
Re: Complainant: [redacted]
Claim Number: XXXX-XX-XXXX
Revdex.com File Number: XXXXXXXX
...


Dear Ms. [redacted]
We are in receipt and have reviewed [redacted]'s complaint to your department submitted on December 10, 2015. Your complaint assignment has been referred to me for response.
As requested, here is our position.
Mr. [redacted] submitted a claim for a water leak which caused water and mold damaged to his garage.
We completed an inspection of the property and were not able to determine the exact location of the leak. We contracted Bullseye Leak Detection to inspect the property and provide us with the cause of the loss. Bullseye Leak Detection completed their inspection and provided us a report with their findings. Their report stated in part that they spray tested the tile shower enclosure and found that water ran through the gaps in the grout. The water then traveled down the wall passed [redacted] the subfloor and surfaced in the garage directly below the master bathroom. They took moisture readings and found that the only area with elevated moisture readings was the ceiling in the garage just below the shower. The report states that the worn tile shower enclosure was the source of the leakage and this was causing the water and mold damages to the garage. The cause of the failure was noted at deferred maintenance. Bullseye Leak Detection also noted that all caulking and grout appeared original to the home and it was in poor condition. Also a contributing leak source was the adjacent tub which was missing its overflow trim and the overflow pipe was loose at the gasket connection to the tub.
We spoke to Mr. [redacted] on June 15, 2015 and explained there was no coverage for the cause of the loss, he stated he understood. We again left Mr. [redacted] a voicemail message on July 14, 2015 informing him of the coverage determination and that there was no coverage for the cause of loss. On July 20, 2015 we spoke to Mr. [redacted] and explained, once more, there was no coverage for the cause of the loss.
On July 29, 2015 Mrs. [redacted] called to inquire about the claim status. We explained to her that payment for the repairs had already been issued less their deductible and that there was no coverage for the repairs due to wear and tear.
On September 2, 2015 we received a call from Mrs. [redacted] informing us she obtained an estimate from a different contractor and it was much higher than our estimate. We asked Mrs. [redacted] to provide us a copy of the estimate for our review.
On November 25, 2015 Mr. [redacted] called us asking for additional payment for his repairs. He was informed we had already issued payment for his repairs and if he had a different estimate to submit it for our review as previously requested.
On December 7, 2015 we finalized the review of the estimate provided by Mr. [redacted]. It was determined that the additional cost was due to the repairs to the shower system which had failed due to wear, tear and deferred maintenance and not covered under Mr. [redacted]'s policy. On the same day we contacted Mr. [redacted] and explained the reasons why there was no coverage for the shower and tub repairs, he understood.
We maintain our position that there is no coverage for the shower system as this is specifically mention in Mr. [redacted]'s policy as being excepted and excluded from coverage due to wear, tear and deferred maintenance.
Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.
Sincerely,
[redacted]
Homeowner Large Loss Supervisor
CSAA Insurance Group
(XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/12/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response because I have requested (and received) a copy of my homeowner's policy. The policy has been reviewed and it is still clear to me this claim should have been covered 100% under my homeowner's policy. Due to limited spacing I will only quote limited language under this policy that specifically pertain to this claim. Under Section I Item 12, it states in part, "We will reimburse up to $10,000 of the costs covered under Section I from an accidental discharge or overflow of 'water' from within plumbing" The policy goes on to state, "The coverage does not include damage caused by constant or repeated seepage or leakage of 'water'...UNLESS SUCH SEEPAGE OR LEAKAGE OF 'WATER' AND THE RESULTING DAMAGE IS UNKNOWN TO ALL INSUREDS AND IS HIDDEN WITHIN THE WALLS OR CEILINGS OR BENEATH THE FLOORS".
After reviewing this policy it is still clear to me that AAA should cover 100% of the cost directly to the contractor (Altec Construction, Inc). The Revdex.com however has requested I create a "MIDDLE GROUND". As a result, I believe it is more than fair for AAA to pay 75% of the cost directly to Altec Construction, Inc.
Additionally, I would like to request this response be escalated to someone HIGHER (Manager or above),within the ranks of AAA, than the rank that responded to the previous submission.
Furthermore, I would like a representative from AAA to contact Altec Construction and advise them I will pay the remaining 25% in monthly payments and to remain flexible until Altec Construction,Inc is paid in full.

Final Business Response /* (4000, 10, 2016/01/07) */
January 7, 2016
Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX
Attn: [redacted]
Re: Complainant: [redacted]
Claim Number: XXXX-XX-XXXX
Revdex.com File Number: XXXXXXXX

Dear Ms. [redacted]:
We are in receipt and have reviewed [redacted]'s rebuttal complaint to your department submitted on December 27, 2015. Your complaint assignment has been referred to me for response.
As requested, here is our position.
As stated on our prior correspondence, wear, tear and maintenance in specifically excepted and excluded from coverage under Mr. [redacted]'s policy, here is the relevant policy language:
SECTION I - PERILS INSURED AGAINST
COVERAGE A - Dwelling
COVERAGE B - Other Structures
We insure against risk of direct physical loss to the property described in Coverages A and B. We do not insure, however, for loss caused by:
...
6 a. Wear and tear, marring, deterioration;
...
If any of these cause "water" damage not excepted above or otherwise excluded, from a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance, we cover loss caused by the "water" including the cost of tearing out and replacing any part of a "residence premises" necessary to repair the system or appliance. We do not cover loss to the system or appliance from which this "water" escaped.
7. Section I - Exclusions;
Under items 1. through 6. above, any ensuing loss to property described in Coverages A and B not excluded or excepted in this policy is covered.
...
SECTION I - EXCLUSIONS
...
2. We do not insure for loss to property described in Coverages A and B caused by any of the following. However, any ensuing loss to property described in Coverages A and B not excluded or excepted in this policy is covered.
...
c. Faulty, Inadequate or Defective:
...
(4) Maintenance; or
...
of part or all of any property whether on or off the "residence premises".
...
Per the policy language above, we are able to extend coverage for the ensuing water damage, however, we are unable to extend coverage for the system or appliance from which the water escaped. In this case the shower system including the adjacent tub failed due to wear, tear and lack of maintenance and there is no coverage to repair or replace it under the policy.
While grant of coverage does not include coverage for mold or fungi, wet or dry rot or bacteria, there is a separate section of the policy entitled "ADDITIONAL COVERAGES." That section provides additional coverage that AAA may extend providing that the facts of the claim meet the specific circumstances outlined in the enumerated additional coverage. Here is the relevant policy language:
SECTION I - ADDITIONAL COVERAGES
...
12. "Fungi", Wet or Dry Rot or Bacteria
We will reimburse up to $10,000 of the costs covered under Section I you reasonably and necessarily incur because of the need to repair, replace, remove or restore any part of the dwelling, other "building structures" or personal property due to the unsafe levels of "fungi", wet or dry rot, or bacteria that occurs during the policy period from an accidental discharge or overflow of "water" from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance. This coverage includes any reasonable and necessary increase in living expenses actually incurred by you under the same terms and conditions in subsection 1.a. in Coverage D - Loss of Use, but does not increase the overall $10,000 limit of liability. This coverage does not include damage caused by constant or repeated seepage or leakage of "water" or the presence or condensation of humidity, moisture or vapor, over a period of weeks, months or years, unless such seepage or leakage of "water" or the presence or condensation of humidity, moisture, or vapor and the resulting damage is unknown to all "insureds" and is hidden within the walls or ceilings or beneath the floors or above the ceilings of a "building structure". This coverage does not apply to:
a. The appliance from which the "water" or steam escaped;
...
Reimbursement of $10,000 is the most we will pay for all of the following:
a. The total of all loss payable under SECTION I - COVERAGES caused by unsafe levels of "fungi", wet or dry rot or bacteria;
b. The cost to investigate, tear out and/or replace any part of a "building structure" or other covered property as needed to gain access to unsafe levels of "fungi", wet or dry rot or bacteria;
c. The cost of testing of air, surfaces or property to confirm the absence, presence or levels of "fungi", wet or dry rot or bacteria whether performed prior to, during, or after removal, repair, restoration or replacement. The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of unsafe levels of "fungi", wet or dry rot or bacteria.
...
We were able to extend coverage for the mold/funji for Mr. [redacted]'s loss as it met the criteria outlined under this Additional Coverage 12.
Mr. [redacted]'s claim has been fully investigated and our coverage determination has been made accurately based on the facts of the loss and remains unchanged. Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.
Sincerely,
[redacted]
Homeowner Large Loss Supervisor
CSAA Insurance Group
(XXX) XXX-XXXX

Initial Business Response /* (1000, 5, 2015/07/31) */
July 30, 2015
Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX
Attention: [redacted]
Re: AAA Auto Policyholder: [redacted]
Revdex.com File Number: XXXXXXXX
Complainant: [redacted]...

[redacted]

Dear Ms. [redacted]:
We are in receipt and have reviewed Ms. [redacted]'s complaint to your department submitted on July 17, 2015. Your complaint assignment has been referred to me for investigation and response.
As requested, here is our position.
Ms. [redacted] has an auto policy with us. At renewal, we sent a letter to her home. This letter indicated her premium will increase due to her Insurance Score Report received from our vendor, LexisNexis Services. A review of her account by our underwriters found we have not ordered an Insurance Score Report since July 2013. The increase in premium was due to a recent approved rate change in her state and a standard adjustment between policy periods. The letter (Consumer Information Notice) should not have gone to Ms. [redacted].
In her complaint to you, she asked for a billing adjustment. The rate she was charged at renewal matches with the approved rating plan we have on file with the Department of Insurance. Unfortunately, because of this, we are unable to credit her account.
I personally contacted Ms. [redacted] and apologized for the confusion. I have offered Ms. [redacted] a one-year membership to our Club as a gesture for goodwill for her feedback and overall experience.
Should you have any questions or require any additional information, please do not hesitate to contact me at the number listed below.
Thank you.
Sincerely,
[redacted]
Policyholder [redacted] Department
Phone Number: (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (2000, 7, 2015/08/04) */
8-3-15
Sent via email from consumer:
I guess as well as it will be. Still didnt get a complete answer as to reason for increase. Still several "could be" reasons, but was not for reason given.
Was told letter was in error and they were working on "fixing", but shortly afterwards got another letter saying it was credit report, which couldnt have been. I had a transunion insurance score of over "900" and over 830 something regular score, with no bad marks at all, again not truthful. Just guess have to live with it till I find another insurance company that can be honest with its insured.
Thank you for your assistance.
[redacted]

May 25, 2016   Revdex.com, Inc. [redacted] Attn:  [redacted]  Re:     ...

Complainant:                     [redacted]  Dear Mr. [redacted]: We are in receipt of the Revdex.coms’ notice of complaint submitted by our insured [redacted].  The complaint was submitted to your department on May 20, 2016 and has been referred to me for response. Below is a summary and response, relative to the facts surrounding the inquiry present by Mrs. [redacted] Our insured and husband of [redacted], Mr. [redacted], reported a claim to us on February 12, 2016.  The facts of loss were that our Mr. [redacted] rear ended a vehicle that inadvertently stopped without due caution.  The adverse driver had passed an entrance to a driveway to a hotel that he wanted to enter, stopping suddenly. The adverse driver applied his brakes and came to an abrupt stop, unfortunately Mr. [redacted] tried to avoid the collision however he swerved, causing his front bumper to impact the left rear bumper of the stopped vehicle. We presented a claim to the carrier of the adverse driver but they have denied all responsibility.  The insureds, Mrs. [redacted] and Mr. [redacted], have requested reimbursement of their Collision deductible, however as we have advised we cannot waive their deductible as the adverse carrier has denied liability.  Upon conclusion of their investigation they feel Mr. [redacted] is the fault party in this loss. Our file is currently in our subrogation department in an attempt to recover our costs paid on the claim along with Mrs. [redacted] and Mr. [redacted]’s deductible. Any recovery we receive from the adverse carrier we will send to our insureds, up to and including their entire deductible.   In addition we will update our insured with the progress of any recovery but cannot guarantee the outcome as this claim may ultimately be sent to arbitration for resolution.  Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below. Sincerely,  [redacted]Claims Supervisor Regional Claims CenterCSAA Insurance Group[redacted]

Complaint: [redacted]I am rejecting this response because:Sincerely,[redacted]

Initial Business Response /* (1000, 11, 2015/09/08) */
September 8, 2015


Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX

Attn: [redacted]

Re: Complainant: [redacted]
Revdex.com File Number: XXXXXXXX

Dear Ms. [redacted]:
...


We are in receipt and have reviewed [redacted]'s complaint to your department submitted on August 21, 2015 regarding auto claim #XXXX-XX-XXXX. Your complaint assignment has been referred to me for response.

Our records indicate that Ms. [redacted] also submitted a complaint regarding this claim to the California Department of Insurance. As a result, please be advised that we will be resolving this issue through the California Department of Insurance.

Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.

Sincerely,

[redacted]
Policyholder [redacted] Analyst
CSAA Insurance Group
Phone Number: (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 13, 2015/09/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
David[redacted] at XXX-XXX-XXXX x-XXXXXXX; Supervisor is [redacted] at XXX-XXX-XXXX; mislead the conversation with my son, Mr.[redacted] fabricated my sons statement - Ms.[redacted] crossed the double yellow line and struck my 2003 Honda Accord; Mr.[redacted] reversed and said my son did the action of Ms.[redacted]. My insurance company, State Farm, found Ms.[redacted] to be at 50% liability. The Department of Insurance advised me to take CSAAA to Small Claims court.
Final Business Response /* (4000, 15, 2015/09/14) */
September 14, 2015


Revdex.com, Inc.
1000 Broadway, Suite 625
Oakland, CA XXXXX

Attn: [redacted]

Re: Complainant: [redacted]
Revdex.com File Number: XXXXXXXX

Dear Ms. [redacted]:

We are in receipt and have reviewed [redacted]'s rebuttal to your department submitted on September 10, 2015 regarding auto claim #XXXX-XX-XXXX. Your complaint assignment has been referred to me for response.

We disagree with Ms. [redacted]'s statements. Due to all the evidence on file, we do not have sufficient evidence to prove negligence against our insured and therefore we are not accepting any liability. At this time we feel we have fully addressed the issues raised when we responded to the California Department of Insurance complaint and consider this matter closed.

Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.

Sincerely,

[redacted]
Policyholder [redacted] Analyst
CSAA Insurance Group
Phone Number: (XXX) XXX-XXXX
Final Consumer Response /* (3000, 19, 2015/09/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First, the witnesses did not see the accident, second Mr.[redacted] fabricated my sons statment, third Mrs.[redacted] crossed the double yellow lines when she avoided cyclists on her side of the street - striking my 2003 Honda Accord and causing extensive damage.
Ms.[redacted] is 50% liable for causing this accident. CSAA had the claim at 50%[redacted] liability until they saw the extensive damage to my vehicle, at such time they changed the liability.

August 30, 2017
 
Revdex.com, Inc.
[redacted]
 
Attn: Mr. [redacted]
RE: Case ID#: [redacted] [redacted]
 
Dear Mr. [redacted]:
 
Thank you for taking the time to contact us regarding Mr. [redacted]’s  complaint against...

AAA Northern California, Nevada, & Utah. We appreciate the opportunity to clarify our position.
 
We have investigated our systems and have found no evidence of security issues which may send payments to another Member.  The situation of in which renewal payment was requested twice will be fixed soon. We have coached our customer service representative to be more diligent with Member concerns.  I have been informed by our membership billing group that duplicate payment has been refunded to Member.
 
Please extent our sincerest apologies to Mr. [redacted], as we failed to provide him with a totally satisfying Member experience.
 
Thank you for giving us an opportunity to clarify our position.
 
 
Sincerely,
 
[redacted]
Member Relations – Executive Office
AAA Northern California, Nevada & Utah
[redacted]

Dear [redacted],Please find our attached rebuttal response.Thank you

Hello [redacted]
Please find the attached response.
Thanks.

Initial Business Response /* (1000, 5, 2016/01/19) */
January 19, 2015
Revdex.com, Inc.
1000 Broadway Suite 625
Oakland, CA XXXXX
Attn: Ms. [redacted]
RE: Revdex.com CASE#: [redacted] - [redacted]
Dear Ms. [redacted]:
Thank you for taking the time to contact us...

regarding Shrinivas [redacted]'s complaint against AAA Northern California, Nevada, & Utah. We appreciate the opportunity to clarify our position.
We have been in contact Mr. [redacted] and have addressed his concerns to his satisfaction.
Thank you for giving us an opportunity to clarify our position.
Sincerely,
[redacted] - Executive Office
AAA Northern California, Nevada & Utah
XXX XXX XXXX
[redacted]@goAAA.com

Initial Business Response /* (1000, 5, 2016/02/22) */
February 22, 2016
[redacted]
Attn: [redacted]
Re: Complainant: [redacted]
Claim Number: [redacted]
Revdex.com File Number: [redacted]
...


Dear Ms. [redacted]:
We are in receipt and have reviewed [redacted]'s complaint to your department submitted on February 12, 2016. Your complaint assignment has been referred to me for response.
As requested, here is our position.
We investigated the additional damaged noted at [redacted] in Fresno. We are paying for the additional damage identified as related to the 12-30-15 accident. We could not consider diminution of value under Mrs. [redacted]'s auto policy, because that first party coverage has an exclusion for diminution of value.
Mrs. [redacted] is represented by an attorney who has made a third party claim for diminution of value under that liability policy.
Should you have any questions or require any additional information please do not hesitate to contact me directly at the number below.
Sincerely,
[redacted]
Claims Supervisor
Regional Claims Center
CSAA Insurance Group
Phone Number: ([redacted]

Initial Business Response /* (1000, 5, 2015/06/24) */
June 24, 2015
Revdex.com, Inc.
Attention: [redacted]
1000 Broadway, Suite 625
Oakland, CA XXXXX
Regarding:Revdex.com Case #: XXXXXXXX
Consumer: [redacted]
[redacted] Drive
[redacted] CA XXXXX
Dear Ms....

[redacted]:
We are in receipt and have reviewed [redacted]'s complaint to your department website submitted on June 12, 2015.
In review of Ms. [redacted]'s policy history we do not find any notes or requests from her which indicate the [redacted] should only have comprehensive coverage from XXXX-XXXX. Records reflect that we have mailed out eight policy declaration since 2008. Each policy declaration listed the coverage in place for the [redacted]. The policy declarations are mailed out at each policy renewal and after any policy change. A Renewal Offer letter is mailed out at each policy renewal as well. The Renewal Offer letter states the following:
"Please read the enclosed documents. If you have any questions, please call us at (XXX) XXX-XXXX, or visit your local AAA branch office for more information."
Ms. [redacted] states that her vehicle was registered inoperable with the California Department of Motor Vehicles and she provided us a Registration Information Request Customer Receipt Copy from the California Department of Motor Vehicles dated 4/28/15 as confirmation that her vehicle was listed inoperable. The TTC codes listed on this form for the [redacted] do not confirm that the vehicle was inoperable.
As a courtesy to Ms. [redacted], we have removed all coverages except Comprehensive from 11/28/13 to 10/2/14. This resulted in a $340 return premium which we have credited to Ms. [redacted] policy. Records reflect that Ms. [redacted] reported a claim on 10/5/14 with the [redacted] in which she was found principally-at-fault and we extended liability coverage to the claimant.
Based on the documents and notes we have for policy #CAASXXXXXXXXX we believe we have properly informed Ms. [redacted] of the coverage in place for the [redacted] and have fulfilled our obligation as required by the California Department of Insurance. In addition, it is our position, that the consumer has a responsibility to review their coverages and rates each year and to inquire if they have questions or corrections. No additional back date credits will be processed.
Thank you for giving us the opportunity to address the consumer's concerns. If you have any additional questions concerning this matter, please contact me at the number listed below.
Sincerely,
[redacted]
Policyholder [redacted] Analyst
CSAA Insurance Group
Phone Number: X-XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/06/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once again AAA Representative [redacted] is taking the position I have already stated in my initial compliant that AAA feels I am solely responsible for not reviewing Declarations mailed out. She even goes on to stated that the Copy of Department of Motor Vehicle Registration Information request dated 4/28/15 as confirmation that the vehicle was inoperable. The form was submitted from DMV because I was told by the Vacaville AAA manager to go and obtain this copy in order for my concern to be looked into because their local services could not give me or pull up which seemed strange to me when they have DMV services they provided. I had to take time off work to go to DMV twice to get this record. I also admitted that I did not review the Declaration because AAA had never failed me until this issue and I had no reason to assume they would steal from me or incorrectly code my policy. I don't know why [redacted] felt the need to mention a claim that occurred 10/5/14 that has nothing to do with this issue. I have paid my insurance and their records can show that I don't have a history of at fault claims. [redacted] doesn't even know the details of this accident. My brakes malfunctioned and I did the right thing by reporting the accident. I have years of no accidents on my record but she felt the need to throw it out there but again it has nothing to do with my complaint that's what I pay insurance for in case of an accident. AAA doesn't want to take responsibility for their mistake and it's sad because if it happened to me I know they are stealing from other customers. It is apparent that I am not valued as a long standing good customer and [redacted] at AAA. AAA didn't do what they should have done to correct this issue and attempt to make a very unsatisfied customer partly whole. Their representative failed to take the time to address the main issue who was at fault at AAA that didn't change my policy for a non op and threw total fault on me. I paid month after month and year after year. If they AAA doesn't value you me as a customer I will take my business elsewhere and a lot of other members along with me. Thanks [redacted] for not addressing the main issue and just sitting at your desk reading notes in my file that may or may not have been properly entered correctly by your agents to support AAA's position for stealing from a customer. Have a blessed day.
Final Business Response /* (4000, 9, 2015/07/01) */
July 1, 2015
Revdex.com, Inc.
Attention: [redacted]
1000 Broadway, Suite 625
Oakland, CA XXXXX
Regarding: Revdex.com Case #: XXXXXXXX
Consumer: [redacted]
[redacted] XXXXX
Dear Ms. [redacted]:
We are in receipt and have reviewed [redacted]'s rebuttal to your department website submitted on June 25, 2015.
A detailed investigation was conducted with regards to Ms. [redacted]'s concerns. As previously stated, based on the documentation that we have mailed to Ms. [redacted] each year and the policy records, it is our position that we sufficiently informed her of the coverages in place for her vehicles. At this time we feel that we have adequately addressed this issue.
If Ms. [redacted] believes this matter has been wrongfully denied or rejected in whole or in part, she may have the matter reviewed by the Consumer Communications Bureau of the California Department of Insurance, 300 South Spring Street, 9th Floor, Los Angeles, California XXXXX, telephone number: XXX-XXX-XXXX or XXX-XXX-XXXX.
Thank you for giving us the opportunity to address the consumer's concerns. If you have any additional questions concerning this matter, please contact me at the number listed below
Sincerely,
[redacted]
Policyholder [redacted] Analyst
CSAA Insurance Group
Phone Number: X-XXX-XXX-XXXX