Doyle Insurance

This letter is in response to the complaint submitted on December 11, by Charlotte *** *** with the reference number of *** This is a matter that is between the Client and the insuring company, *** *** *** *** The Company sets the policy pricing,
collects the premium, and issues any refunds that may be due upon cancellationIn this instance, neither the insurance agent nor the agency is responsible for any of those transactions.,Although, since the Client mentions me, the agent, in this complaint, it is necessary to inform you of what transpired with this accountI will lay out the facts that are relevant to this situation, in chronological order (based primarily on the Company's record of the Client's account along with some of the agent's real-time notes of the recent interaction with the Client), to create a clearer picture of the history of this accountBefore I start with the timeline, would like to say that all of my dealings with the Client were very cordial and pleasant on our parts.TIMELiNE:December 18, - the inception date of the Client's auto policy.January 28, 2016- the Client requested to change the payment date for her auto insurance premium to the 15th day of the monthThis was the sixth payment date change over the months the policy had been in effect up to that pointThe payment changes were made to accommodate the client's cash flow requirementsThe billing cycle for this auto policy is setup to run from the 18th of (say) month "A" to the 18th of the next month (month "B")Each time the payment date was changed, the payment withdrawal date that was supposed to be made on the 18th of month "A" was pushed closer the end of the billing cycle which was the 18th of month "B"When the Client made the most recent payment date change, the payment was set to be withdrawn on the 15th of month "B" which was only three days before the end of the billing cycleFor this particular situation, the auto policy billing cycle was October 18, to November 18, and the payment was scheduled to be withdrawn on November 15, This meant that the Client was paying days in arrearsBy accepting the payment date changes, the Company was agreeing to honor the payments in arrears.November 9, at 9:57am - the Client contacted the agent to make notification of her intent to cancel her auto and home insurance policies effective November 14, 2016.November 9, at 12:08pm - the Client called the agent to state that she would sign the Cancellation Notices for the policies at the agent's office on November 10, 2016.November 10, - Client came to the agent's office during the morning to sign the Cancellation Notices for both the auto and home policiesThe agent told the Client that the premium draft was sent to the bank on November 9, and the agent was unable to stop the process because, during the payment drafting period, changes to the policy are not allowed by the CompanyThe Client told the agent that she understoodThe agent did not make any promises to the Client as to an amount that may be refunded after the draft because the agent does not set the refunds.November 11, at 3:22pm - agent sent a Manual Amendment to the Company to cancel the auto policy effective November 14, This is the only way that the agent can notify the Company of the Client's intent to cancel the policy during the payment drafting period.November 15, - Company drafted $from the Client's bank account for the auto insurance premium payment.November 16, - Company processed the Manual Amendment, sent by the agent, to cancel the auto policy effective November 14, 2016.November 28, - Company issued a refund of $to the Client's bank account which represented the unearned premium for the auto insurance policy from the payment that was made in arrears.In conclusion, the Client made six payment date changes over a period of monthsThe auto insurance premium payment date moved from the 18th of one month to the 15th day of the following month (near the end of the billing cycle)Each time there was a change in the payment date, the Client got further in arrears during the billing cycleThe agent did everything within his authority to cancel the auto policy as early as possibleThe Client received a refund which represented the unearned premium for the auto insurance policy that had been drafted by the CompanyUltimately, this matter is between the Company and the Client.***
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Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond here ONLY]I reject because he is not telling the truth. To mine knowledge I only changed the due date once. Again why wasn't I made aware that I was in arrears I don't care if I get a refund or not. If cheating people out of there hard earned money is what his business is about God bless him. He' s making me out to be  the bad person ..If I was a bad client why didn't he cancel the Insurance months ago and it was coming out of mine bank account. Who's honer owners insurance doubles in a year without a claim 
Regards,
[redacted]