Esurance

Initial Business Response / [redacted] (1000, 5, 2015/10/15) */ October 15, Revdex.com Attention: [redacted] Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] [redacted] Insured Name: [redacted] Policy Number: PACTXXXXXXX Insurance Company: Esurance Insurance Company Dear Ms [redacted] : Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Company is in receipt of the above referenced complaint Esurance records indicate that this policy was purchased on August 16, 2015, to be effective on August 17, At the time of purchase, Ms [redacted] accepted the terms and condition of the policy, in which she agreed to transact business electronicallyAlso at the time of purchase, Ms [redacted] authorized Esurance to charge the method of payment provided for the down payment and all future installments, renewal premium, and changes made to the policyA payment schedule was established for the premium to be paid on the 17th of each month, in which a $installment fee would be applied On September 3, 2015, Ms [redacted] contacted Esurance to advise that she had returned her vehicle to the dealership under the lemon lawEsurance explained that she could cancel her policy or change to a "no car policy", which would provide continuous liability coverage until Ms [redacted] purchased a replacement vehicleMs [redacted] advised she would call back after she decided what to do with her policyEsurance emailed a quote for the "no car policy" on this same date On September 4, 2015, Ms [redacted] contacted Esurance and was advised again of the options to cancel her policy or change to a "no car policy"Esurance advised of the benefits of maintaining continuous liability insurance as many companies' rates are adversely affected by a lapse of coverage, regardless the reason for the lapseMs [redacted] advised she wanted to review the quote before making a decision and would call backEsurance again emailed a quote for the "no car policy" on this same date On October 2, 2015, Ms [redacted] contacted Esurance, upset that she had not received the promised quotesEsurance resent the quote and recommended that Ms [redacted] check her junk or spam email folderMs [redacted] advised that she would call back to make changes to her policy when she had more time On October 5, 2015, Ms [redacted] contacted Esurance, upset that she is still paying for insurance for a vehicle that she did not haveEsurance again advised her of the options to cancel her policy or change to a "no car policy"Ms [redacted] opted to have a "no car policy"As a courtesy, Esurance backdated this policy change to September 3, This adjustment provided a premium credit of $for the time period that Esurance was providing continuous liability coverage to Ms [redacted] Again, having continuous insurance coverage results in a lower premium than if there had been a lapse in coverage Also on October 5, 2015, Ms [redacted] advised that she had purchased a vehicleEsurance added the newly-purchased vehicle to the policy effective this same date, per MsBurrow's request The premium billing for the policy is as follows: Effective Date Transaction Type Premium/Fees Balance 08/17/Policy purchase $$ 08/17/Down payment ($323.59) $ 09/12/Installment fee $$ 09/17/Installment payment ($167.60) $ 09/03/Policy endorsement ($443.80) $ 10/05/Policy endorsement $$ At this time, there is a premium balance of $390.27, to be paid in monthly installmentsEsurance apologizes if Ms [redacted] ' experience was not satisfactory, and strives to provide excellent [redacted] and recommendations in the best interest of the consumer Thank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/12/18) */ December 18, Revdex.com Attention: [redacted] Dispute Resolution Specialist Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: PAGAXXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint Esurance records indicate that this policy was purchased on November 22, 2015, via online application, to be effective on November 23, At the time of purchase, Ms [redacted] agreed to the terms and conditions of the policy, which declares that the statements contained in the Application are true and agree to pay any applicable surcharges or recomputed premium resulting from inaccurate statements in the ApplicationThe terms of the policy also disclose policy fees, including, but not limited to, a Short Rate Fee equal to 10% of the unearned premium if the policy is cancelled for any reason Insurance carriers are afforded days to review an insurance application for accuracy; this is called the underwriting periodDuring the underwriting period, it was discovered that Ms [redacted] had not disclosed an at-fault accident and two speeding violations during the application processThe quote originally provided to Ms [redacted] was based on the information provided in the applicationWhen Ms [redacted] 's driving record was updated to reflect the discovered activity, the premium did change accordinglyAn amended policy declaration and payment schedule were issued on November 24, On December 14, 2015, Ms [redacted] contacted Esurance to request that the policy be cancelledAs a courtesy, Esurance waived the short rate fee and cancelled the policy per the insured's request, effective on this same dateA refund of all unearned premium was issued the following day to the bank account on file Thank you for allowing us the opportunity to respond to this complaint Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/22) */ (The consumer indicated he/she ACCEPTED the response from the business.) Esurance cancelled the policy and waived the cancellation feeI am satisfied with the responseWith this, the matter is closedThank you for the fast response

To whom it may concern: Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the consumer complaint regarding the settlement offer for a claim made on a personal automobile policy This complaint stems from a claim for damages to [redacted] vehicle, which was struck by a vehicle insured by EsuranceAt the time of the accident, [redacted] vehicle had [redacted] miles on itEsurance accepted liability on behalf of our insured and contacted [redacted] to determine the extent of his damages and to schedule an inspection of his vehicleOur claims representative spoke with [redacted] on May 11, 2017, who indicated that he had his vehicle taken to a local Honda repair facility and they advised him that his vehicle was a total loss At that point, the claims adjuster dispatched a staff appraiser to inspect the vehicleOur appraiser inspected the vehicle and confirmed that it was (in fact) a total lossThe appraiser noted unrelated prior damage to the left fender of the vehicle and noted the overall condition of the vehicle to be fair, with obvious staining to the seats, hole(s) in the headliner and some issues with the carpet coming upAn estimate was written for visible damage of $1,with another estimate for unrelated damage to the fender totaling $ On May 17, 2017, the claims adjuster had a discussion with Mr [redacted] as to the value of his vehicleEsurance utilizes CCC for its valuations, an industry norm for the practiceThe CCC valued [redacted] vehicle at $1,277.60, including taxWhen the claims adjuster spoke with [redacted] she explained that the vehicle was showing as being previously totaled by Liberty Mutual in when the vehicle was owned by another partyAs such, the title came back as “branded”At that time, [redacted] advised that he was aware of the vehicle’s history, but that the vehicle had in fact been repaired rather than totaled [redacted] disputed the condition description for the vehicle, which negatively impacted its value and indicated that he had spilled coffee at the time his vehicle was struck and that the seats had been in good condition prior to that [redacted] also noted that he felt that the vehicle’s overall condition was average for a year old vehicle [redacted] noted that he had paid $3,for the vehicle and had done some work on the engine himselfThe claims adjuster advised that any recent work on the vehicle would be considered if he could supply parts invoices [redacted] called back later that day noting that his vehicle does not have a branded title The claims adjuster asked him to produce the title and Esurance would make the necessary adjustment if it was in fact not brandedOn May 18, 2017, [redacted] called again to dispute the comparable vehicles used for the valuation [redacted] felt that Esurance should be using comparable of “mint low mileage” Hondas rather than comparables with similar mileage to his vehicle Later that day, Esurance received a copy of the title, which in fact was not brandedA follow up call to Liberty Mutual determined that they had declared the vehicle a total loss, resulting in the designation of “branded title”Their insured at that time disputed the total loss and they eventually agreed to repair the vehicle, however, the total loss designation was left in the system As Esurance has now confirmed that we are dealing with an unbranded title, the value of the vehicle has been amended to reflect the correct title, bringing the adjusted value to $1, [redacted] is currently in possession of the adjusted reportEsurance has also asked again that [redacted] submit invoices for the repair work he performed on the vehicle, at which time, Esurance will consider same and adjust the value accordingly [redacted] is currently demanding $2,for his vehicle in total loss valueEsurance has asked for him to provide supports for this valuation and have only received reports of similar vehicles from different regions of the country, which are not comparable to the venue in questionThe comparables provided to him in the report from CCC are all within an acceptable range from his current locationThe vehicles utilized are clearly listed on the CCC report and any variances from his vehicle have been adjusted accordingly to arrive at the offered amount Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Assistant Claims Manager Esurance Insurance Services, Inc.On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response / [redacted] (1000, 5, 2016/02/05) */ February 5, Revdex.com Attention: [redacted] Via Electronic Response: [redacted] To Whom It May Concern: Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the consumer correspondence submitted by [redacted] regarding the above referenced private passenger automobile policy In the complaint, the insured is demanding that Esurance waive the cancellation fee Esurance records indicate the above referenced policy was purchased on July 17, 2014, with the same effective date, with a six-month policy term for the full term premium of $The policy provided coverage for a Toyota Camry Solara SE/SLE and [redacted] as a single operator Esurance records indicate on July 17, 2014, Mr [redacted] accepted the Terms and Conditions of his Esurance automobile policy, which outlines under the Disclosure of Fees Section "that you may be charged a Cancellation Fee of $if you cancel your Policy for any reason or if we cancel your Policy due to failure to pay any premium when due" Esurance records indicate Mr [redacted] requested to cancel his automobile policy effective January 13, 2016, therefore; the cancellation fee of $is valid On January 28, 2016, the final payment of $was processed from method of payment on file Thank you for allowing Esurance the opportunity to address your inquiryIf you have any questions or need additional information regarding this file, please direct all correspondence to [redacted] ***, [redacted] Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/09/25) */ September 24, Revdex.com Attention: [redacted] Dispute Resolution Specialist Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: HPINXXXXXXXXX Company: Esurance Insurance Company Dear Ms [redacted] Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Insurance Company, is in receipt of the consumer complaint submitted by [redacted] regarding the above referenced Homeowner's policy Esurance records indicate the above referenced policy was purchased on July 16, 2015, effective August 5, At the time of purchase, the selected replacement cost and dwelling coverages totaled $671,based upon the total gross living area of 3,square feet The policyholder provided a property appraisal which indicated 4,square feet of gross living areaThe replacement cost was recalculated to $848,510, based upon the information provided in the home appraisal On September 11, 2015, the Mr***'s policy was submitted for cancellation effective September 26, 2015, due to the residence replacement cost exceeded the company threshold Upon further review of the appraisal provided by the policyholder, it was determined a portion of the area included for the total gross living was duplicated at the time the replacement cost was recalculatedEsurance has recalculated the replacement cost amount of 721,to reflect the correct gross living area and attached features Esurance records confirm Mr***'s policy has been reinstated, and the dwelling protection coverage has been corrected to $721,Esurance has notified Mr [redacted] regarding the policy reinstatement, and the retroactive policy changesAn Amended Declaration has been issued to Mr [redacted] to reflect the updated dwelling protection limit Thank you for allowing Esurance the opportunity to address your inquiry Sincerely, [redacted] SrManager Underwriting Esurance Insurance Services, Inc On behalf of Esurance Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/11/18) */ November 17, Revdex.com Attention: [redacted] Dispute Resolutions XXX XXth Street, Suite Oakland, CA XXXXX-XXXX Via Electronic Response: www.oakland.Revdex.com.org Case Number: XXXXXXXX Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PAMI-XXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by [redacted] regarding the above referenced personal automobile insurance policy In his complaint Mr [redacted] that while incarcerated his Esurance policy renewed without his approval on July 03, Mr [redacted] also states that he is seeking reimbursement for the premium associated with the policy term from July 03, 2013, through January 01, At the time of policy purchase, and upon each subsequent renewal, Mr [redacted] accepted the terms and conditions of the policy in which he agreed to transact business electronically, which included the automatic renewal of the policy On August 20, 2013, [redacted] contacted Esurance to cancel this policy and advised that she had power of attorney to handle Mr [redacted] affairsEsurance requested a copy of the Power of Attorney in order to assist her with Mr [redacted] policy On August 25, 2013, Esurance reviewed the Power of Attorney documentation provided by Ms*** On August 25, 2013, Esurance advised Ms [redacted] that the Power of Attorney documentation was specific to banking/business needs for [redacted] ***'s business (Maple Lane Discount)Ms [redacted] was advised that Esurance this was not sufficient to cancel Mr***'s personal auto policy No additional contact was made with Esurance by Ms***, the next contact Esurance received was on October 28, 2015, from Mr [redacted] requesting the policy expiration be backdated to July 03, Esurance advised Mr [redacted] that we would be unable to backdate the policy expiration without proof of other insurance coverage or documentation showing the vehicle was placed on non-operation with the department of motor vehicles during that time Thank you for allowing Esurance the opportunity to respond to the concernsIf you have any questions or require additional information, please direct all future correspondence to [redacted] , Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On Behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) They were informed of the circumstances and my request to cancel the policy when it was first renewedRefusing to cancel a policy based on a technicality, when it was obvious that I was the one that requested it be cancelled is dishonestRather than being understanding and helping one of their customers, they are taking advantage of my circumstance and basicly stealing fees for months of [redacted] when no [redacted] was provided or wantedIf you will not refund my money here, I will have my attorney sue you for the amount Final Business Response / [redacted] (4000, 9, 2015/12/15) */ December 15, Revdex.com Attention: [redacted] , Dispute Resolutions XXX XXth Street, Suite Oakland, CA XXXXX-XXXX Via Electronic Response: www.oakland.Revdex.com.org Case Number: XXXXXXXX Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PAMI-XXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer rebuttal submitted by [redacted] regarding the above referenced personal automobile insurance policy In his rebuttal Mr [redacted] states that Esurance was informed of his request to cancel this policy and that Esurance did not cancel the policy On August 20, 2013, [redacted] contacted Esurance to cancel this policy and advised that she had power of attorney to handle Mr***'s affairsEsurance requested a copy of the Power of Attorney in order to assist her with Mr***'s policy On August 25, 2013, Esurance reviewed the Power of Attorney documentation provided by Ms [redacted] On August 25, 2013, Esurance advised Ms [redacted] that the Power of Attorney documentation was specific to banking/business needs for [redacted] ***'s business (Maple Lane Discount)Ms [redacted] was advised by Esurance that this was not sufficient to cancel Mr***'s personal auto policy Esurance was unable to process the cancelation at that timeThe Power of Attorney documentation provided to Esurance did not authorize Ms [redacted] to transact business on Mr***'s personal automobile insurance policy Esurance is unable to backdate the policy expiration without proof of other insurance coverage or documentation showing the vehicle was placed on non-operation with the department of motor vehicles Thank you for allowing Esurance the opportunity to respond to the concernsIf you have any questions or require additional information, please direct all future correspondence to [redacted] , Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On Behalf of Esurance Property and Casualty Insurance Company Final Consumer Response / [redacted] (4200, 11, 2015/12/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was no proposed resolution offered by EsuranceThey are not offering any resolve what so everThey simply restate the same old original response to my requesting that this policy (which should have never been renewed automatically by them) be canceledI never requested that it be renewed, so none of this should even be an issueProgressive insurance would never have even billed me a renewal without my authorization, so I would never have needed to ask to have it canceled/refundedEsurance asks that I provide documentation that I never used the vehicle during the period I am asking to be refundedI can most definitely provide documentation from the State of Michigan that I did not use the vehicle from the dates of May 13, to October 20, I already emailed Esurance a copy of that document, but they choose to ignore it

Case No.: [redacted] Complainant: [redacted] Policyholder: [redacted] Policy Number: [redacted] Company: Esurance Insurance Company Dear Dispute Resolution Specialist: Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by [redacted] regarding the above referenced Personal Homeowners Policy The above referenced policy was purchased on February 23, 2018, to be effective March 5, 2018, for a one-year policy term During the underwriting review period, the replacement cost estimator tool was updated to reflect the age of the home, resulting in an adjustment to the full term premium Esurance has reviewed [redacted] policy, and as a courtesy, agreed to waive the premium increase for his current term Please note, the update to the replacement cost will take effect upon renewal of [redacted] policy, and premium adjusted accordinglyEsurance strives to provide exceptional customer service, and apologizes this was not the case for Mr [redacted] Thank you for allowing Esurance the opportunity to respond to this inquiry

To whom it may concern: Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Company is in receipt of the rebuttal to the consumer response regarding the nonrenewal of a personal automobile policy Again, Esurance strives to provide excellent customer service and apologizes that [redacted] experience was unsatisfactoryTo clarify, this policy was not cancelled, it expired A Renewal Offer should have been provided to [redacted] along with a renewal policy invoice approximately thirty days prior to the expiration dateBecause of the underwriting concerns and pending nonrenewal, the Renewal Offer and renewal invoice were delayed and the policy ultimately expired If a renewal offer had been issued, a renewal down payment would have needed to be received in order for this policy to renewWhen [redacted] *** contacted Esurance after the expiration date, Esurance did acknowledge that a renewal invoice was not issued in error and offered to renew the policy upon receipt of the renewal down payment [redacted] declined Thank you for the opportunity to respond to this complaintEsurance is sorry to lose [redacted] *** as a customer and is glad to hear that he has obtained replacement coverage Sincerely, [redacted] Compliance Consultant Esurance Insurance Services, IncOn behalf of Esurance Insurance Company

Initial Business Response / [redacted] (1000, 5, 2016/03/09) */ March 9, Revdex.com Attention: [redacted] Dispute Resolutions XXX XXth Street, Suite Oakland, CA XXXXX-XXXX Via Electronic Response: goldengate.app.Revdex.com.org Case Number: XXXXXXXX Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PAMI-XXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] Please be advised that Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by [redacted] regarding the above referenced private passenger automobile insurance policy Esurance Records reflect this policy was purchased on June 14, 2015, effective that same date with a six month termAt the time of policy purchase, Mr [redacted] also authorized Esurance to debit the account on file for all future payments, upon renewal, or a change to the policyMr [redacted] was also notified that he could revoke the authorization by contacting Esurance at least hours prior to any scheduled payment On October 07, 2015, Esurance was contacted by Ms [redacted] requesting that Esurance revoke the automatic payment authorization from the policy and that she would be sending in payments via the U.SPostal ServiceEsurance responded that same date and advised that the authorized payment method for this account had been removedEsurance also advised that we do not accept any mailed forms of payment and that Ms [redacted] would need to contact Esurance directly to make the next payment On November 15, 2015, new automatic payment information was provided for this policy by the insured through the Esurance websiteAt the time the payment information was updated the insured also authorized Esurance to debit the account on file for all future payments, upon renewal, or a change to the policy On December 08, 2015, Esurance was contacted by the insured requesting that Esurance revoke the automatic payment authorization from the policyEsurance responded that same date and advised that the authorized payment method for this account had been removed On December 26, 2015, new automatic payment information was provided for this policy by the insured through the Esurance websiteAt the time the payment information was updated the insured also authorized Esurance to debit the account on file for all future payments, upon renewal, or a change to the policy On January 08, 2016, Esurance was contacted by the insured requesting that Esurance revoke the automatic payment authorization from the policyEsurance responded that same date and advised that the authorized payment method for this account had been removed On February 04, 2016, new automatic payment information was provided for this policy by the insured through the Esurance websiteAt the time the payment information was updated the insured also authorized Esurance to debit the account on file for all future payments, upon renewal, or a change to the policy On February 21, 2016, Ms [redacted] contacted Esurance and requested to cancel the policy effective that same dateThis was the same date that the next payment in the amount of $was scheduled to be debited from the account on fileEsurance records do not reflect any communication after February 04, 2016, requesting to revoke the automatic payment authorization from the policySince Esurance was not notified of the request to cancel at least hours prior to the scheduled payment, it was debited from the account on file On February 22, 2016, Esurance issued a refund of the unearned premium in the amount of $to the insuredOn February 23, 2016, Ms [redacted] contacted Esurance and inquired why the entire $payment had not been refundedEsurance advised that a Jeep had been added to the policy on January 12, 2016, and the additional premium provided coverage for that vehicle through the cancelation date of February 21, Thank you for allowing Esurance the opportunity to respond to the concernsIf you have any questions or require additional information, please direct all future correspondence to [redacted] Compliance Analyst, at; P.OBox 2890, Rocklin, CA, XXXXX Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/03/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) There were emails every month prior to payments becoming due asking that they remove the payment info and I will pay when I canThey have no record of my last email however I doIt's funny how the month I decide to cancel they lose all call and email recordsThe payment method they charged was not authorized and they will be reported for fraud Final Business Response / [redacted] (4000, 9, 2016/03/18) */ March 18, Revdex.com Attention: [redacted] Dispute Resolutions XXX XXth Street, Suite [redacted] XXXXX-XXXX Via Electronic Response: goldengate.app.Revdex.com.org Case Number: XXXXXXXX Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PAMI-XXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear MsGriffith: Please be advised that Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer rebuttal submitted by [redacted] regarding the above referenced private passenger automobile insurance policy In her rebuttal MsReichaed states that Esurance does not have record of her Email requesting to revoke the automatic payment authorization from the policy after February 04, Esurance records do not reflect any communication after February 04, 2016, requesting to revoke the automatic payment authorization from the policySince Esurance was not notified of the request to cancel at least hours prior to the scheduled payment, it was debited from the account on file Ms [redacted] contacted Esurance on March 15, 2016, and inquired why the entire $payment had not been refundedEsurance advised that a Jeep had been added to the policy on January 12, 2016, and the additional premium provided coverage for that vehicle through the cancelation date of February 21, In addition, Esurance is waiting for the return of a device that was provided to Ms [redacted] as part of a discount program based on driving activityOnce the device is returned, Esurance will refund an additional $for receiving the device backEsurance sent a return label for the device to Ms [redacted] on March 16, Thank you for allowing Esurance the opportunity to respond to the concernsIf you have any questions or require additional information, please direct all future correspondence to [redacted] Compliance Analyst, at; P.OBox [redacted] Rocklin, CA, XXXXX Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Final Consumer Response / [redacted] (4200, 11, 2016/03/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) They're stating that they had not received email requesting withdrawal of payment authorization however I have several of them in my recordWhen I spoke to a supervisor at Esurance on Feb 21, she stated that I could send in the email record however it would not change the outcome as it is not showing in their systemSeems fair!? I don't believe soThe device has been shipped as of March 17th and I am still awaiting refundI will never deal with Esurance againThey do not care about customers only that they get any bit of money they can from them

To whom it may concern: Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the consumer complaint regarding the settlement offer for a claim made on a personal automobile policy [redacted] states in his rebuttal that one of the comparable vehicles that were provided in our valuation report is from UtahThis is correct; however, this was on the first valuation report where the Honda Civic was listed as having a branded titleWhen Esurance confirmed that the title was in fact not a branded title, the valuation was run a second time using local vehicles – specifically from Fort Lauderdale, Miami, and Hollywood, Florida Esurance remains open to the possibility of adjusting the value of [redacted] vehicle given the recent mechanical work that was completed [redacted] was advised that we would need receipts to document the work allegedly performed and the amount paid in order for an adjustment to be made to the value; [redacted] stated that the receipts are located in North Carolina and he does not have access to them at this timeEsurance offered to contact the mechanical shop that performed the work to obtain the documentation on his behalf [redacted] stated that he paid a mechanic to perform the work after hours so there are no receipts available from a business entity Esurance contacted [redacted] today and offered to settle this via third-party mediation [redacted] has expressed interest and this option is currently being explored Thank you for the opportunity to respond to this complaint Sincerely, [redacted] Assistant Claims Manager Esurance Insurance Services, Inc.On behalf of Esurance Property and Casualty Insurance Company

Complaint: [redacted] I am rejecting this response because: My monthly bill has nearly doubled Deceptive practices are used to make it appear otherwise My original complaint remains unresolved Sincerely, [redacted]

April 11, Revdex.com Attention [redacted] ***Via Electronic Response: [redacted] Re: Case Number: [redacted] Complainant Name: [redacted] Insured Name: [redacted] Policy Number: [redacted] Company: Esurance Property and Casualty Insurance Company NAIC Number: [redacted] Dear [redacted] Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the follconsumer correspondence submitted by [redacted] regarding the above referenced private passenger automobile policy Esurance records indicate all policy adjustments have been completed and on April 10, 2017, a refund in the amount of $was credited back to the account ending in [redacted] Thank you for allowing Esurance the opportunity to address your inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

April 7, Revdex.com Attention [redacted] ***Via Electronic Response: [redacted] Re: Case Number: [redacted] Complainant Name: [redacted] Insured Name: [redacted] Policy Number: [redacted] Company: Esurance Property and Casualty Insurance Company NAIC Number: [redacted] Dear [redacted] Esurance Insurance Services, Inc(“Esurance”), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer correspondence submitted by [redacted] regarding the above referenced private passenger automobile policy Esurance records indicate the above referenced policy was purchased on September 26, 2016, with an effective date of October 1, 2016, for the full term premium of $1, The policy provided coverage for three vehicles a Mini Cooper S, Mazda Speed Miata, and a Mazda MazdaA31, and two operators, [redacted] On March 31, 2017, [redacted] contacted Esurance to make several policy adjustmentsDuring that call the insured was advised of the revised premium due as a result of the policy adjustmentsEsurance records indicated a premium increased and the amount of $was owed due to the recent policy changes On April 3, 2017, [redacted] contacted Esurance to inquiry into his billing invoice, as a result of the recent policy adjustmentsAt that time Esurance completed a billing audit After further review Esurance records indicate the billing issue had been resolved and an adjustment was completed for the amount of $that is currently showing due, bringing the insured's balance to $The adjustment should be completed within hours On April 6, 2017, Esurance contacted [redacted] via email to advise him the recent update and the policy adjustment that is in process Esurance strives to provide an excellent customer experience and apologizes for any inconvenience this billing matter may have caused Thank you for allowing Esurance the opportunity to address your inquiry If you have any questions or need additional information regarding this file, please direct all correspondence to [redacted] ***, or via email to [redacted] Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/12/04) */ December 04, Revdex.com Attention: [redacted] Dispute Resolutions XXX XXth Street, Suite Oakland, CA XXXXX-XXXX Via Electronic Response: www.oakland.Revdex.com.org Case Number: XXXXXXXX Named Insured: [redacted] Complainant: [redacted] Policy Number PAPA-XXXXXXX Claim Number NYA-XXXXXXX Date of Loss: October 08, Insurance Company Esurance Insurance Company Dear Ms [redacted] : Please be advised that Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by [redacted] regarding the above referenced private passenger [redacted] insurance policy Esurance received report of this loss from Ms [redacted] on October 8, She reported that a Ford Edge insured by Esurance struck her Saturn while attempting to pass [redacted] vehicleA Claim's Adjuster was assigned to investigate liability and secure statements from all involved parties On October 8, A statement was secured from the complainant, [redacted] ***, Ms [redacted] stated that she was traveling on Ridge Road which is lanes in each directionShe advised that she was in the left lane, and in the process of changing lanes into the right lane to exit the roadwayMs [redacted] states the operator of the insured vehicle, [redacted] , was traveling in the left lane behind her vehicle and attempted to pass [redacted] on the left side, entering the opposite direction of trafficMs [redacted] then states the impact occurred as Ms [redacted] was passing [redacted] vehicle improperly Esurance also secured a written statement from Ms [redacted] Ms [redacted] contends that she was traveling in the left lane of lanes with Ms [redacted] traveling in the right laneMs [redacted] stated the lanes were narrow and the complainant came into her lane striking her vehicle A police report was also reviewed during the investigationThe police report was filed by Ms [redacted] after the loss occurred, and does not include Ms [redacted] 's version of the lossThe police report provided a different account of the loss than initially provided by Ms***The police report states that the Ms [redacted] was in the right lane of the lanes heading North on Ridge AvenueMs [redacted] was in the left lane also heading North on Ridge AvenueMs [redacted] was attempting to take the exit ramp when Ms [redacted] cut across from the left Esurance has reviewed the statements, damages, and scene of the accident and, could not prove that Ms [redacted] is liable for this lossEsurance is actively seeking a recorded statement from Ms [redacted] to secure additional details regarding the accident and to ascertain if there is any liability that can be attributed to her actionsAt this time liability has been denied to Ms [redacted] as there is not sufficient evidence that Esurance is liable for this loss Thank you for allowing Esurance the opportunity to respond to this inquiryIf you have any questions or require additional information, please direct any future correspondence to [redacted] , Compliance Analyst, at P.OBox 2890, Rocklin, CA, XXXXX or by email to [redacted] @esurance.com Sincerely, [redacted] Assistant Branch Manager, NY Claims Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/12/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) "...The police report states that the Ms [redacted] was in the right lane of the lanes heading North on Ridge AvenueMs [redacted] was in the left lane also heading North on Ridge AvenueMs [redacted] was attempting to take the exit ramp when Ms [redacted] cut across from the left." That is inaccurateThe police were told that both vehicles were in the LEFT lane and Ms [redacted] signaled to, and was in the process of, going into the right lane "...Esurance has reviewed the statements, damages, and scene of the accident and, could not prove that Ms [redacted] is liable for this loss..." Esurance had made no effort to do what is right and they refused to comply with Ms***'s insurance when contacted Firstly, Ms [redacted] is not even on the insurance and the company does not want to own up to thisThey also fraudulently listed her boyfriend (and policy holder), [redacted] as the driverIf Esurance was truly trying to determine the accurate story, then they would have contacted the police to obtain video of the incident....Ask yourself, why would one go through all this troubleincluding suggesting that you obtain videoif they were at fault? Also, the police report does not include Ms [redacted] 's account because SHE FLED THE SCENEbecause she is guilty! If her car was the one that was struck, there is NO WAY she would have simply leftThis is another FACT that Esurance refuses to acknowledge in addition to the fact that they sent Ms [redacted] to an auto body shop to get estimates and spoke as if they were going to do the right thing and pay for the damages...then suddenly they changed their mind...??? Do the right thingHave integrity and morals...I know that is not something most companies do, but in today's world, it very much needed Final Business Response / [redacted] (4000, 9, 2015/12/29) */ December 29, Revdex.com Attention: [redacted] , Dispute Resolutions XXX XXth Street, Suite Oakland, CA XXXXX-XXXX Via Electronic Response: www.oakland.Revdex.com.org Case Number: XXXXXXXX Named Insured: [redacted] Complainant: [redacted] Policy Number PAPA-XXXXXXX Claim Number NYA-XXXXXXX Date of Loss: October 08, Insurance Company Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Please be advised that Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer rebuttal submitted by [redacted] regarding the above referenced private passenger [redacted] insurance policy Esurance acknowledges the driver of the vehicle, [redacted] , is not listed on Mr [redacted] 's insurance policyMs [redacted] does qualify as an insured under the policy terms as she was operating a covered auto at the time of loss Ms [redacted] appears to be disputing the facts presented in the police reportThe police report states that Ms [redacted] was in the right lane of two lanes heading North on Ridge AvenueMs [redacted] was in the left lane also heading North on Ridge AvenueMs [redacted] was attempting to take the exit ramp when Ms [redacted] cut across from the leftThis is the information the police gathered from Ms [redacted] at the time of reportIf these details are disputed, Ms [redacted] will need contact the appropriate Police Department to have the report amendedMs [redacted] has indicated she did not leave the scene of loss without exchanging information with Ms*** An estimate was also setup to review the damages and assist in our liability decisionThe completion of an estimate is not an acceptance of liability Esurance did speak with Grange Insurance, the insurance carrier for Ms***, on November 19, Esurance advised Grange that we were denying liability based on our investigationNo further requests have been made by Grange to discuss this loss There has been no additional evidence provided to support that Esurance was the proximate cause of this loss therefore the liability stance will remain Thank you for allowing Esurance the opportunity to respond to this inquiryIf you have any questions or require additional information, please direct any future correspondence to [redacted] , Compliance Analyst, at P.OBox 2890, Rocklin, CA, XXXXX Sincerely, [redacted] Assistant Branch Manager, NY Claims Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Final Consumer Response / [redacted] (4200, 11, 2015/12/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) 1.) The girl driving the vehicle was not on the insuranceMaybe she has been added AFTER the incident but she was not on the insurance 2.) She fled the scene 3.) You still have not contacted the police to obtain video evidence It is clear that you are not ethical people and communicating with you is an utter waste of timeThis is the last day of and here we are still having to deal with thisPlease keep in mind that whatever goes around comes aroundOne dayfor all of those involved in this wrong doingsomeone will steal, kill, and destroy something you love and I hope you remember this incident and justice is loss in you case Get lost, -Ms [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/05/21) */ May 21, Revdex.com Attention: [redacted] Dispute Resolutions XXX XXth Street, Suite Oakland, CA XXXXX-XXXX Via Electronic Response: www.oakland.Revdex.com.org Case Number: XXXXXXXX Complainant Name: *** [redacted] Named Insured: [redacted] Policy Number: PAOHXXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Property and Casualty Insurance Company, acknowledges receipt of the complaint submitted by [redacted] regarding the above referenced private passenger [redacted] policy Esurance records indicate this policy was purchased effective October 31, At the time of purchase, the insured selected a monthly installment payment option and authorized Esurance to charge the method of payment on file for the down-payment, as well as all future payments upon renewal or a change to the policyAn automatic payment schedule was established to withdrawal the monthly payment on the 7th of each month Ms [redacted] contacted Esurance on April 7, 2015, to remove the method of payment on file On May 9, 2015, Ms [redacted] contacted Esurance as a payment was withdrawn from the method of payment on file that should have been removedEsurance apologized and requested that Ms [redacted] submit bank statements to show any overdraft fees incurred due to this error On May 11, 2015, Esurance refunded the payment that was withdrawn on May 7, A new payment schedule was also providedThe next premium installment payment will be due on June 7, On May 13, 2015, Esurance authorized a concession of $to reimburse Ms [redacted] for the overdraft fees that she incurredThis concession check has been issued and mailed through the United States Postal [redacted] Thank you for allowing Esurance this opportunity to respond to the complainant's concerns Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/10/27) */ October 27, Revdex.com Attention: [redacted] Dispute Resolution Specialist [redacted] Broadway, Suite [redacted] Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: PAKYXXXXXXXXX Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] Esurance Insurance Services, Inc(Esurance), on behalf of Esurance Property and Casualty Insurance Company, is in receipt of the consumer complaint submitted by Mr [redacted] regarding the above referenced private passenger automobile policy Esurance records indicate Mr [redacted] had a prior policy referencing PAKYXXXXXXX, which was cancelled effective April 13, At the time of the prior policy cancellation, MrSheet's had a remaining balance due in the amount of $54.39, and the account was subsequently referred to an outside collections agency The above referenced policy was purchased effective September 17, 2015, for a six month policy termAt the time of policy purchase, Esurance required the insured satisfy the outstanding balance from his prior policy in the amount of $Esurance inadvertently sent Mr [redacted] an email wherein advising him a refund would be credited to his account, when in fact, the amount represented the outstanding balance due from his prior policy of $Esurance confirms Mr [redacted] past due amount of $was paid with his initial policy down payment On October 6, 2015, during the underwriting period, Mr [redacted] policy was updated to reflect the discovery of a prior comprehensive claimAs a result of the prior claim, the Claims-Free Discount was removed from Mr [redacted] policyPolicyholders who qualify for the Claims-Free discount receive a fifteen-percent discount, and must have five of more continuous years of driving experience without any accidents or claims in the past five years Esurance records indicate MrSheet's policy is pending cancellation effective November 6, 2015, for the nonpayment of policy premiumEsurance confirms the increase in the MrSheet's policy resulted from the loss of the Claims-Free discount Esurance strives to provide exceptional customer service, and apologizes for any confusion or frustration this may have caused Mr [redacted] Thank you for allowing Esurance the opportunity to address your inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/28) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2015/06/25) */ June 25, Revdex.com Attention: [redacted] Dispute Resolutions XXX XXth Street, Suite [redacted] Oakland, CA XXXXX-XXXX Via Electronic Response: www.oakland.Revdex.com.org Case Number: XXXXXXXX Complainant Name: *** [redacted] Named Insured: [redacted] Policy Number: PANYXXXXXXX Insurance Company: Esurance Insurance Company Dear Ms [redacted] Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Insurance Company, acknowledges receipt of the complaint submitted by [redacted] regarding the cancellation of the above referenced private passenger [redacted] policy The State of New York allows all insurance companies days from policy inception to ask additional questions and/or request additional documentation for clarification in order to properly underwrite new business policies during what is called the "underwriting period" of a policy Esurance records indicate that this policy was purchased on May 11, 2015, to be effective May 12, During the underwriting period, Esurance was unable to verify information provided by Mr [redacted] on his insurance applicationFor example, Esurance was unable to locate any evidence, neither Fair Credit Reporting Act (FCRA) reports such as a credit report nor public records, to show Mr [redacted] ever resided at the Geneva, New York address listed on his policyAll reports show Mr [redacted] most current in various Jamaica, New York addresses On May 14, 2015, Esurance emailed Mr***, requesting proof to current address to ensure the proper rating of the policy, as well as proof of homeownership, anti-theft and Vehicle Identification Number Etching to verify the discounts being applied to this policyThe notice requested the information to resolve the underwriting concerns be submitted for review within ten daysThis notice also stated that if there was no response, the policy could be cancelled, nonrenewed or changes could be made to the policy On May 19, 2015, Mr [redacted] spoke with Esurance and informed the underwriting representative that he did not own a home and was rentingAt that time, the representative removed the Homeowners Discount, which was being applied to the policyAlso during that phone call, Mr [redacted] was advised that he needed to provide a current utility bill in his name for proof of current residencyMr [redacted] was also asked to provide the name of the homeowner with whom he residedUnfortunately, Mr [redacted] would not provide the name of the homeowner and indicated he did not have a utility bill in his name and he abruptly disconnected the call Esurance attempted to call Mr [redacted] back to continue the conversation, however, there was no answerThe representative left a message on his voicemail to contact Esurance to discuss the underwriting concerns on this policyEsurance attempted to contact Mr [redacted] by telephone again on May 20, and on May 22, Unfortunately, Esurance was no longer able to leave messages on his voicemail On May 28, 2015, Esurance had not received the requested information from Mr***, therefore, a notice of cancellation was issued for failing to provide information necessary to properly underwrite and/or rate the policyThe effective date of the cancellation was scheduled for June 21, On May 29, 2015, after receiving a notice of cancellation, Mr [redacted] contacted Esurance and was again advised that he would need to provide a utility bill in his name as proof of address Esurance sincerely apologizes if Mr***' experience has been less than satisfactoryEsurance strives to offer excellent [redacted] to all of its customers, but must also treat all policyholders the sameUnfortunately, Mr***' did not provide the requested information and the policy has cancelled effective June 21, If Mr [redacted] is able to provide a current utility bill in his name showing proof of his current residence, the names of other household members living with him at his address, and the documentation requested for the Anti-theft and VIN Etching Discounts, Esurance would be happy to assist him in repurchasing a new policy Esurance appreciates the opportunity to respond to this complaintSupporting documentation is available upon request Sincerely, [redacted] Underwriting Supervisor Esurance Insurance Services, Inc On behalf of Esurance Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) It isn't legal to require that someone provide a lease or utility bill information when it is not in their name nor is it a requirement for a garaging addressI specified that I don't own the property that I live in and I only pay a rent which means I don't have access to utility bill information or anything else that relates to the personal information of the property ownerIn addition, they are solely relying on information from a credit report that is not completely reliable to begin withI don't know why they gave me a HO Discount but all they had to do was remove it rather than cancel my policyWhy would they need the name of the homeowner when I am not part of the household? So they can divulge my insurance information to them, which would be another violation of the law? The address that they said I reside at on a recorded conversation was at X [redacted] XXXXXI haven't lived there since 2008, well over yearsWhat is the statute of limitations on a property address you no longer use? I don't even get mail there Final Business Response / [redacted] (4000, 9, 2015/07/13) */ July 13, Revdex.com Attention: [redacted] Dispute Resolutions XXX XXth [redacted] Suite [redacted] Oakland, CA XXXXX-XXXX Via Electronic Response: www.oakland.Revdex.com.org Case Number: XXXXXXXX Complainant Name: [redacted] Named Insured: [redacted] Policy Number: PANYXXXXXXX Insurance Company: Esurance Insurance Company Dear Ms [redacted] Esurance Insurance Services, Inc("Esurance"), on behalf of Esurance Insurance Company, acknowledges receipt of the rebuttal submitted by [redacted] regarding the cancellation of the above referenced private passenger [redacted] policy Mr***' policy cancelled effective June 21, 2015, due to failing to provide proof of current garaging address necessary to rate and/or underwrite the policy Again, the State of New York allows all insurance companies days from policy inception to ask additional questions and/or request additional documentation for clarification in order to properly rate and/or underwrite new business policies during what is called the "underwriting period" of a policy It is important for Mr [redacted] to understand that each insurance company has its own underwriting guidelinesEsurance requires proof of primary residence/garaging address in cases where the underwriting team is unable to validate a [redacted] 's current addressEsurance attempted to verify Mr***' residence through several consumer reports, including, but not limited to, a credit reportUnfortunately, Mr [redacted] was unable to provide any valid form of proof of primary residence Mr [redacted] advised Esurance that he lived with the homeowner of the address listed on his policyEsurance requires all drivers in a household to be listed on the policyWhen asked about the homeowner he resided with, Mr [redacted] refused to provide any information regarding household member(s) In cases such as Mr***', Esurance recommends that he obtain auto insurance coverage with a local agent in his neighborhood who might be able to better assist him with his unique auto insurance situation Esurance appreciates the opportunity to respond to this complaint Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Insurance Company Final Consumer Response / [redacted] (4200, 11, 2015/07/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) What kind of proof did they need other than my credit report with inaccurate data, which they used? Since they couldn't give me a list of options or alternative methods of verifying garaging address other than asking the owner for personal business information and possibly affecting their auto insurance rates? I explained to them that I didn't own the property or control utility expenses in my nameI am also not related to the homeownerWhy would they give me that information? I'm renting a rooom from them

Initial Business Response / [redacted] (1000, 5, 2015/08/12) */ August 12, Revdex.com Attention: [redacted] Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] [redacted] Insured Name: [redacted] Policy Number: PAFLXXXXXXX Claim Number: EXPXXXXXXX Date of Loss: November 22, Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint On November 22, 2014, Mr [redacted] sustained damage to the undercarriage of his Audi SQuattro Premium P as a result of driving through road construction on [redacted] Way in the state of FloridaThe claim was reported to Esurance by Mr [redacted] on November 22, Contact attempts were made to Mr [redacted] the next day and on November 24, Voicemails were left for Mr [redacted] to contact Esurance to discuss the vehicle's method of inspectionMr [redacted] returned the call to Esurance on November 25, 2014, requesting for the claim to be closed as he was not pursuing the damagesThe claim was closed on November 25, 2014, without any payments issued On July 30, 2015, Mr [redacted] called to question the claim with the above date of lossMr [redacted] advised that he was only reporting the incident and was not making a claimAt this time, Mr [redacted] requested for the claim to be deleted off of his recordA member of management advised Mr [redacted] that Esurance will not be able to delete the claim from his record, however, the claim is showing as record only with no payment issued If this claim is being interpreted as an at-fault accident by another carrier, Mr [redacted] should be able to present a claims experience letter to that carrier to resolve any underwriting and/or rating concerns Thank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] , MBA/HRM, CCLA Rapid Response Unit Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company

Initial Business Response / [redacted] (1000, 5, 2015/09/14) */ September 14, Revdex.com Attention: [redacted] Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] [redacted] Insured Name: [redacted] Policy Number: PACA-XXXXXXX Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the above referenced complaint On August 14, 2015, Mr [redacted] contacted Esurance to report that he rear-ended another vehicle in a low speed collision that day Esurance's initial investigation revealed that the Mr [redacted] was involved in several other accidents which may have resulted in similar damage as well possibly included the other party in this loss Due to this unique situation, Esurance is trying to independently verify is this is a covered loss and if so, what exactly is coveredTo achieve this, the file has been referred to Esurance's Special Investigation unit In accordance with Mr [redacted] 's policy, Esurance asked that he provide information and documents relevant to the claimEsurance appreciates his assistance and cooperation with this process As with every claim, Esurance keeps all information strictly confidential and only uses it to evaluate this claim Esurance is very sorry to hear that he had a difficult experiences in his personal life, during the same time that this claim was presentedEsurance also sympathizes with his frustration and would like to encourage him to fully participate in the investigation so that Esurance may complete the evaluation without delay Please contact us directly if you have any further questions or concerns Sincerely, [redacted] Branch Claims Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) The delay is on Esurance's behalfNot only with my frist claim against an Esurance driver who rear ended meI was still driving around with a spare tire when I had my second accident thanks to the procrastination of Esurance repairing my car and I am still waiting for the copayment reimbursement as well as lost wages and other out of pocket expenses as well as settling the claimThere is also a delay with my current claim now as an esurance [redacted] , I provided all the information I could to the investigator and for weeks on end I kept telling [redacted] that I could not provide her with anything else, once she finally verified that I was telling the truth last friday she requested my password [redacted] my account, first of all that is really an invasion of privacy and secondly I am sure that it is illegal for her to request that and third she would not even be able to obtain anything other than the same data I provided her with weeks agoI also inquired about these records with her and she has yet to respond, I faxed her direct print outs of my call details (sensitive private information)> I asked about these because these are the only records I have access to and I believe they have been mishandledI need an apology and for both my claims to be handled promptly, I am more than happy to share my email interaction with the media to make others aware of the practices such esurance investigators use and their way of dealing with customers Final Business Response / [redacted] (4000, 14, 2015/10/06) */ October 6, Revdex.com Attention: [redacted] Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: PACA-XXXXXXX Claim number: ESU-XXXXXXX Date of Loss: 07/31/ Insurance Company: Esurance Property and Casualty Insurance Company Dear Ms [redacted] : Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Property and Casualty Insurance Company is in receipt of the additional correspondence [redacted] attempted to contact you on October 2, 2015, to discuss your concerns regarding claim number ESU-XXXXXXXThe number we have on file for you is disconnectedMr [redacted] sent you an email to discuss your concerns with his contact informationPlease contact him directly so he can answer any questions that you have Thank you for the opportunity to respond to this additional correspondence Sincerely, [redacted] Assistant Branch Claims Manager Esurance Insurance Services, Inc On behalf of Esurance Property and Casualty Insurance Company Final Consumer Response / [redacted] (4200, 16, 2015/10/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) My phone was not disconnectedBut I still feel great to finally be in contact with Mr [redacted] whom is looking into my complaint regarding claim number esu-XXXXXXXI am still waiting for [redacted] to contact me in regards ro claim number esu-XXXXXXX to settleIt has been quite some time

Initial Business Response / [redacted] (1000, 5, 2015/09/29) */ September 29, Revdex.com Attention: [redacted] Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: PANJXXXXXXX Insurance Company: Esurance Insurance Company of New Jersey Dear Ms [redacted] : Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Company of New Jersey is in receipt of the above referenced complaint Esurance records indicate that this policy was purchased on May 10, 2012, to be effective on this same dateThis policy most recently, automatically renewed effective May 15, 2015, upon receipt of payment on April 15, 2015, for the Renewal Offer provided on March 15, A claim was reported on May 14, 2015, by an additional insured, [redacted] ***, but Esurance has no other record of contact with the insured or a request to cancel the policy since that date On September 16, 2015, Ms [redacted] contacted Esurance to advise that the policy should be cancelledAgain, Esurance had no record of a cancellation request, therefore, in order to backdate the cancellation effective date, Esurance requested proof of other insurance Ms [redacted] provided a copy of her current policy with Allstate on September 17, Due to Personal Injury Protection (PIP) coverage differences, Esurance was unable to backdate the cancellation of the entire policy, but offered to compensate Ms [redacted] for all coverage, except PIPEsurance attempted to explain that PIP coverage has been provided, therefore, the premium has been earned By September 22, 2015, Esurance had received a signed Cancellation Request/Policy ReleaseBy receipt of this document, which releases Esurance of any coverage liability effective May 15, 2015, going forward, Esurance was able to cancel the policy effective that date Thank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Insurance Company Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/09/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) No, because I do not feel that what they have stated is completely trueBut Esurance has resolved this case on 9/23/and refunded the premium for the full amount and back dated the cancellation to 5/15/I would like for Revdex.com to close this caseThank you for all your help Final Business Response / [redacted] (4000, 9, 2015/10/05) */ October 5, Revdex.com Attention: [redacted] Broadway, Suite Oakland, CA XXXXX Via Electronic Response: www.oakland.Revdex.com.org Re: Revdex.com Case Number: XXXXXXXX Complainant Name: [redacted] Insured Name: [redacted] Policy Number: PANJXXXXXXX Insurance Company: Esurance Insurance Company of New Jersey Dear Ms [redacted] : Please accept this letter as confirmation that Esurance Insurance Services, Inc(Esurance) on behalf of Esurance Insurance Company of New Jersey is in receipt of the request to close the above referenced complaint, but that Ms [redacted] does not believe that the truth was stated in the previous complaint response As previously advised, Esurance records indicate that this policy was purchased on May 10, 2012, to be effective on this same dateEsurance policies automatically renew as long as the premium is paidThis policy automatically renewed effective May 15, 2015, upon receipt of payment on April 15, 2015, for the Renewal Offer provided on March 15, A claim was reported on May 14, 2015, by an additional insured, [redacted] ***, but Esurance has no other record of contact with the insured or a request to cancel the policy since that date On September 16, 2015, Ms [redacted] contacted Esurance to advise that the policy should be cancelledAgain, Esurance has no record of a cancellation request prior to this date, therefore, in order to backdate the cancellation effective date, Esurance requested proof of other insurance Ms [redacted] provided a copy of her current policy with Allstate on September 17, Due to Personal Injury Protection (PIP) coverage differences, Esurance was unable to backdate the cancellation of the entire policy, but offered to compensate Ms [redacted] for all coverage costs, except PIPEsurance attempted to explain that PIP coverage has been provided, therefore, the premium had been earnedIf a PIP loss had occurred between May 15, 2015, and September 17, 2015, Esurance would have been obligated to pay that claim as the policy contract was still in effect during that time period By September 22, 2015, Esurance had received a signed Cancellation Request/Policy ReleaseThis signed document released Esurance of any coverage liability effective May 15, 2015, going forwardSince Esurance no longer had an obligation to pay any PIP claims, Esurance was able to backdate cancellation of the policy effective May 15, Esurance apologizes for any inconvenience and is relieved to hear that Ms***'s case has been resolvedThank you for allowing Esurance the opportunity to respond to this inquiry Sincerely, [redacted] Compliance Analyst Esurance Insurance Services, Inc On behalf of Esurance Insurance Company