Geico Corporation

transparent;">This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policyIn Mr [redacted] ’s correspondence to your organization he expresses concern regarding an increase in his automobile insurance policy premium after the policy was quoted and boundHe has requested that the premium be reduced to match his initial quoteGEICO’s records show that Mr [redacted] purchased the policy in question on June 27, to be effective June 29, The policy was bound and purchased with a six month premium of $Mr [redacted] scheduled a one-time payment of $to be processed on June 28, via his [redacted] Credit CardOn June 28, 2016, an attempt was made to extract the scheduled payment of $and was declined by Mr [redacted] ’s financial institutionAs a result of the declined payment, the policy was cancelled null and voidOn June 30, 2016, Mr [redacted] contacted GEICO and reissued the policy with a lapse in coverage to be effective July 1, Upon reissue, the lapse in coverage was taken into consideration per GEICO’s filed and approved underwriting guidelines causing a change in tier placement and subsequent increase in premiumThe policy was reissued with a six month premium of $Mr [redacted] made a payment of $to bind the policyIt is GEICO’s position that all proper procedures were followed in the handling of the policy in questionWhile we understand Mr [redacted] ’s concern regarding the difference in quoted premiums, GEICO maintains that the increase in premium is within all underwriting/rating rules and guidelines as filed and approved by the Massachusetts Division of InsuranceIf you have any questions, or if GEICO can be of any further service in this matter, please contact MsF [redacted] at ###-###-####Sincerely, Timothy L [redacted] Assistant Vice President of Underwriting

Tell us why hereThe points of impact do not indicate Mr [redacted] had full control of the intersection as the damages were to the right front corner of his vehicleWe have no evidence that Ms [redacted] was traveling at a high rate of speed The police report indicates "no" under speeding related for Ms [redacted] , however, indicates "racing" under speeding related for Mr [redacted] .If you have any further questions, you can contact our Claims Manager, Kristen S [redacted] ,, at ###-###-#### ext ***Sincerely,Angela R [redacted] Assistance Vice President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: as mentioned previously, service by geico was not properly provided for the period in question as evidenced by my state questioning my Iinsurance coverage for cars as well as my current insurance company stating that my insurance had lapsed I should be compensated for the inconvenience of having to provide proof of insurance coverage to my state on separate occasions for different autos....plus provide proof to other insurance companies who thought I had let my insurance had lapsed Contrary to geico claiming they have attempted to contact me, I have received no call, no voice mail, text or letter I diligently met my part of our contract for many years...possibly + paying my premiums each month on time This breach by geico was their mistake and they should accept responsibility on business terms....not just with a verbal acknowledgement of their mistake Regards, [redacted]

They set up a policy for me and said a payment would be drafted from my account and that the next payment would be weeks from that date, the next day they pulled a second payment and then between the many different ppl I talked with daily over a week span, about half the time they said I would be refunded the money they took plus the over draft charge, the other half the time they said they would not refund the money they took or the over draft charge and then said that because the next payment was almost due they would just keep my moneyThey will not even refund my money even though they admitted to me on the phone that it was their mistakeI am now in the hole over $because of their mistakeI have talked with several friends about my problem with GEICO and almost everyone of them had similar problems and just walked away with out trying to get their money because they couldn't get their problems resolved eitherOther friends said that the GEICO had almost doubled their policies, because they switched carsI have not once heard anything good about GEICOOn a personal Note, they claim to support the Service Men and Women, and Vet's, they keep telling you Thank You for the service, but they do not care how much you sacrificed for their freedom, when it comes to basically stealing your moneyDo your self a Favor and stay clean away from GEICOAnd for those who don't know (I just found out) GEICO is an Acronym for Government Employee Insurance CO I just thought it was a spin off of the Gecko Lizard name

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I do not agree with these chargesOut of a day monthly cycle, if I cancel my service, then you're not supposed to get more of a percentage than is owedI invite Geico to do what is right and reduce these charges accordingly Regards, [redacted]

BEWARE GEICO SCAM ALERT!!! THEY WILL CALL YOU TO TRY TO GET YOU TO SWITCH IF YOU RECENTY BOUGHT A NEW OR USED CAR USING HIGH PRESSURE SALES TACTICSONCE SWITCHED THEY WILL TELL YOU THEY WILL CANCEL YOUR OTHER POLICY FOR YOU AND TAKE CARE OF EVERYTHINGNEXT THING YOU KNOW YOUR IN AN ACCIDENT YOU CALL THEM UP AND THEY TELL YOU "WERE SORRY WE DROPPED YOUR COLLISION AND COMREHENSIVE COVERAGE A MONTH AFTER YOU SWITCHED OVER TO US DUE TO A MINOR STIPULATION WE NEVER DID YOUR PHOTO ID INSPECTION WHOOOPS! AND WE NEVER CALLED YOU TO LET YOU KNOW OR ENDED YOUR COVERAGE SO YOU WOULD HAVE TO ACT ON THE MATTER, WE JUST KEPT YOU IN THE DARK ON OUR POLICY THROUGH SOME LOOPHOLE SO YOU WOULD THINK YOU STILL HAVE FULL COVERAGE WHEN YOU ACTUALLY DON'T HAVE ANY COLLISION OR COMPREHENSIVE AT ALL!! HAVE A NICE DAY SIR"WOW TOTAL BS THEY INTENTIONALLY DONT CALL YOU AND HOPE YOU DONT FIND OUT THEY DROPPED YOUR COVERAGE AND COVER IT UP BY KEEPING YOU ON THEIR POLICY THROUGH SOME BS LOOPHOLE SO YOU CONTINUE PAYING MONTHLY BILLS TO MAKE YOU THINK YOURE STILL COVERED SOO WHEN THERES AN ACCIDENT THEY DONT HAVE TO PAY A DIME...PERFECT SCAM!! WATCH OUT THOUSANDS HAVE ALREADY BEEN SCAMMED!!!!

Dear Ms [redacted] : Thank you for your recent inquiry Theft Supervisor Michael M [redacted] tried to reach Ms [redacted] on October 12, to discuss her concerns but was only able to leave a message We are still in the process of investigating Ms***'s theft claimOnce our investigation is complete, if we agree to afford coverage for the loss, we will issue payment for the towing fees and the damage to the vehicle Please be advised that the coverage limit for personal effects is $200.00; therefore, we are unable to issue any payments in excess of $for any personal items in the vehicle at the time of the theft If you have any questions, please contact Claims Manager Michael L*** He can be reached at ###-###-####

face="Arial">June 20, [redacted] Revdex.com K StNW, 10th Floor Washington, DC 20005- Re: ID Number: [redacted] Complainant: [redacted] Claim Number: [redacted] Company: GEICO Indemnity Dear ***: Thank you for your inquiry of June 14, On April 8, 2014, we learned that a [redacted] belonging to our policyholder, ** [redacted] , had been damaged while hitting ice on the roadway We requested that ** [redacted] obtain an estimate and photographs of his vehicle’s damage and submit them to us for review and payment Unfortunately, we had no further contact with ** [redacted] until May 7, We advised ** [redacted] at that time that we had not yet received the estimate and photographs of his damages We received the necessary paperwork from ** [redacted] ’s repair facility on May 30, We issued payment for ** [redacted] ’s damages on June 19, We sincerely apologize for the delays ** [redacted] experienced during our handling of his claim We particularly regret any failures on our part to promptly answer his inquiries or return his calls We trust that this matter is now resolved and are prepared to assist ** [redacted] with any additional problems he may have Should you have any further questions, please contact our Auto Damage Manager, [redacted] , at ###-###-#### Sincerely, [redacted] Auto Damage Director

August 13, 2014Dear [redacted] ***:Thank you for your letter of inquiry dated August 4, 2014.This loss was reported to us on July 18, by our insured [redacted] [redacted] reported that a truck hit the front right side of his vehicle, damaging the front bumper and cracking the light [redacted] stated that the truck did not stop.On July 23, 2014, we spoke to [redacted] He initially thought the damage occurred as a result of truck hitting his vehicleAfter speaking with his wife he confirmed that as she was exiting out of their garage she scrapped the car causing the damage [redacted] stated he did not want to file for the damages and did not believe a claim should have been set upAs per his policy contract with us, [redacted] is required to report all losses that occur.Upon receipt of this complaint, Supervisor Angela Z [redacted] spoke with [redacted] on August 8, in attempts to discuss the claim [redacted] did not want to speak to us and wanted us to respond to the Revdex.com complaint.Sincerely, David H Assistant Vice President

We received your correspondence dated March 15, 2016, regarding the above-noted ConsumerWe have not included any personal identifying information in our response as you requestedOn December 27, 2015, the [redacted] was added to our Insured’s policy via GEICO.com effective December 28, At this time the Vehicle Identification Number was entered incorrectlyOn December 27, 2015, our Insured also sent an ID card to their e-mail address from GEICO.comOn December 28, 2015, we also mailed our Insured a Declarations Page listing the VIN as well as all coverage listed on the policyAs well, on January 27, we sent our Insured a letter advising that we did not have the correct VIN for his [redacted] On February 5, 2016, our Insured contacted us requesting to update his Driver's License as it was pending suspensionWe apologize that this information was not updated when our Insured requested; however, as of March 15, 2016, we have confirmed that our Insured’s Driver’s License is activeOn March 17, 2016, we spoke with our Insured and advised of suchWe have confirmed with our Insured that he did not have to pay any fees with the State of FloridaAs the [redacted] was added online at GEICO.com, we will be unable to provide any sort credit to the policyWe trust this information is sufficient to allow you to close your filePlease call Russell W***, Customer Service Director, at ###-###-####, if you have any further questionsVery Truly Yours, George WR [redacted] Senior Vice President

As I stated earlier there was never a reportI did not want a report/claimI knew it would cost me more by filing a claim than what the child stoleThis is so obvious that a child could understand itGeico's personel clearly understood it! There was NO claim filedIf there was a claim for stolen property, GO find a police report because you won't find oneThere was no police report! Again I knew it would cost more from an insurance filing than what the child stoleFind a police report...find a report with a social serviceI did not file a claimTo take this to court for your shady dealings will cost you more than removing that incorrect letter because there was NO FILING of claim [redacted]

[redacted] *** [redacted] ** [redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] [redacted] Thank you for your letter of April 17, The Examination Under Oath was taken on Wednesday, April 8, We are pending the signed transcription from [redacted] to complete the Examination Under Oath so that we may move forward with the resolution of her claim Please note that at no time did Beverly P***, Senior Security Investigator, advise [redacted] that she recommend GEICO pay all her bills under the provisions of her Personal Injury Protection coverage If there are any additional questions, please feel free to contact Claims Manager Ronnie J [redacted] at ###-###-#### Sincerely, Dan B [redacted] Assistant Vice President

December 1, Revdex.com Attn: [redacted] K StNW, 10th Floor Washington, D.C20005- Re: Customer Name: [redacted] Case Number: [redacted] Company Name: GEICO County Mutual Auto Insurance Company Policy Number: [redacted] Dear Ms [redacted] : This is in response to your correspondence received in our Washington, D.CExecutive OfficesIt was referred to the Dallas, TX Regional Office for a reply We apologize to Mr [redacted] for any misunderstanding regarding his auto policy overage on the [redacted] We have reviewed Mr***’s policy and added the Collision coverage to the [redacted] , with a $deductible, effective October 21, We will honor the claim submitted November 21, for the occurrence Our associate, Marie B [redacted] , called and spoke with Mr***MsB [redacted] advised a Claims associate will be in touch with him regarding the claim handling processWe are unable to provide Mr [redacted] with any inconvenience or emotional compensations If you need additional information, please contact Patti K [redacted] by telephone at ###-###-####, from 8:am to 4:pm CST, or by email at [redacted] Sincerely, Matthew Z [redacted] Assistant Vice President Cc: [redacted] Frisco TX 75035-

May 13, 0in 0pt"> Anita Horne Revdex.com KStreet NW, 10th Floor Washington, D.C 20005- Re: File Number: [redacted] Policy Number: [redacted] Complainant: [redacted] Dear [redacted] ***, This is in response to your May 7, 2013, correspondence We apply a multi-line discount when our policyholders have an active auto policy in conjunction with a GEICO Motorcycle, Personal Umbrella, Homeowners, Renters, Condo or Mobile Home policy which is written through the GEICO Insurance Agency Unfortunately, when [redacted] reinstated her renters insurance, she did not contact GEICO to set up her renters insurance Therefore, she is ineligible to receive the multi-line discount Our records show that [redacted] first contacted us about this matter on March 1, Although her current renters policy is not written through the GEICO Insurance Agency, as an exception, we credited [redacted] ***’s auto policy for $for the discount for the policy term of April 12, to October 12, Unfortunately, we cannot apply the discount for future policy terms However, if [redacted] were to contact GEICO to obtain renters insurance in the future, we can certainly reassess her eligibility for this discount We appreciate [redacted] ***’s patronage and apologize for any confusion If additional information is needed to close your file, please contact [redacted] at ###-###-#### or [redacted] Sincerely, [redacted] Assistant Vice President

August 6, Dear [redacted] ***:Thank you for your letter of July 16, regarding [redacted] ***’s claim.On July 22, we contacted [redacted] regarding her concernsWe have apologized to her for the delays in her claimAdditionally, we have notified [redacted] that we will be refunding her all charges she incurred from [redacted] Rental Car in the amount of $766.54.If you have any questions, please feel free to contact Bryon L [redacted] , Auto Damage Manager, at [redacted] .Very truly yours,George RRegional Vice President

I received a letter from Geico in May requesting I validate the licenses for myself and another person I had on my policy I provided my license information and asked if anything else was needed I was advised NO and that my account was in good standing Fast forward to September; I received a letter from DMV stating I needed to validate my insurance information I attempt to access my Geico account online and was unable to pull it up I then called them and spoke with two individuals; the last named Gary was a manager I was advised my policy had been canceled since June I asked what was needed to reinstate it and was advised I needed to provide the other driver's information I advised them to remove that person as we are no longer in contact and was then told I had to provide a bill showing that person's address or license information I told them I am not comfortable asking for any personal information as we are no longer in contact with each other I asked Gary why I wasn't advised the additional information was still needed at the time I provided mine and he had no response; he continued to refer to the only letter sent in May I received no additional letters in the mail warning me that my policy would be or was canceled I found out there was an issue only after receiving the letter sent by DMV Gary spoke to me as if I was uneducated and outright dumb and I did not appreciate it I've worked in call centers for years and it's customary that the employees advise you of anything that could potentially have negative impacts to your account prior to ending the call In this case, I even asked if anything else was needed and was told NO Gary escalated this again and I was told I'd get a call from the "manager line" within hours; this was on 9/ I didn't get a call until 9/from Marcia out of the Fredericksburg office; her manager is Kyle She advised Geico is only required to send the one notification and acknowledged they did not send any notifications stating the policy was terminated I had no issues with Geico until now I can't believe that any company servicing clients don't have to notify people before they end the service I'm appalled that I've been driving around without insurance with my year old daughter and had absolutely no knowledge I'm also shocked by the treatment received by Gary as well as this practice since it was in my opinion, Geico's error Most companies will correct an error but not Geico; they aren't even making an effort I received no apologies for their employee not providing me with accurate information and no remorse was expressed from any of the individuals I spoke withI will never utilize their services again and will be sharing this with everyone I know in person and through social media I hate to think of the bind I would be in had I been in an accident

Roadside Assistance abandoned someone on a rural side road at PMWhen using roadside assistance, they sent two incorrect types of tow trucks instead of the type that was requested, and when they needed to inform my mother afterward that no truck was available, they claim they left a voicemailThey actually never called and never left a voicemail, my mother had to call customer service back before she found out no one was coming to get her or her vehicle at pm on a rural side roadWhen contacting someone to let them know they were being left on their own, speaking to the actual person is a pretty important detail that they apparently did not believe was significant at allThis is a severe safety issueShe would have been waiting for an indeterminate amount of time had she not called again to find out no one was coming

April 4, Dear ***:I am in receipt of your additional electronic correspondence dated April 4, in reference to the abovereferenced complainantThank you for the opportunity again to respond to ** [redacted] ’s concerns as they speak to her cancelled homeowner policy and the possibility of it not being reinstated.As stated previously; GEICO Insurance Agency, Incis a sales and service agent for [redacted] Insurance CompanyAs their agent, we are required to adhere to their underwriting guidelines for new and renewal business.I have forwarded your correspondence to [redacted] directly and requested they respond to you under separate cover as to ** [redacted] ’s concerns [redacted] underwriters will need to determine reinstatement eligibility once the inspection concerns have been metWe will be happy to request the reinstatement for Me [redacted] once it has been established that the concerns have been addressedWe look forward to hearing from her.Please have ** [redacted] contact our Agency at ###-###-#### and an agent will be happy to further assist herSincerely,

October 10, [redacted] Revdex.com RE: ID Number: [redacted] Complainant: [redacted] * [redacted] Claim Number: [redacted] Dear Ms [redacted] : Thank you for your October 5, inquiry In response to the complaint from Mr***, we reviewed the claim fileWhile it is possible Mr***’s attempts to reach our adjuster and supervisor were unsuccessful, contact was made with him on October 5, and the customer’s concerns were resolvedWe regret Mr [redacted] experienced any frustration due to our handling of the claimIt is always our goal to provide excellent customer service and always be responsive to the needs of our customers Since receipt of this complaint we met with Mr [redacted] and identified $2,worth of additional damages related to the lossWe also secured the tow bill referenced in the complaint and compensated for the original estimate, supplemental damages and the tow bill At this time the matter has been resolved with Mr***Again, we apologize for any inconvenience or frustration this matter has causedWe appreciate the feedback and will strive to exceed Mr***’s expectation should he file a claim in the future If additional information is needed, please contact Andrew N [redacted] , Field Claims Manager, at ###-###-#### Sincerely, Carl AT [redacted] Assistant Vice President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because while I applaud GEICO's efforts to inform their policyholders about policy renewals and expiration, I am simply requesting that the renewal notification be made an option in states that will allow suchI am not familiar with the laws of the state of Texas, but I am asking that GEICO make every effort to allow those customers to opt out of receiving notifications of policy expiration and renewal if the customer so desiresTo me, the constant barrage of renewal reminders is "nagging" to the point of annoyance, if not harassmentI do not speak for others, but I personally am perfectly well and capable of knowing when my insurance is about to expire and needs to be renewedI did so this past renewal period well in advance of the due dateI am appalled that GEICO assumes just because GEICO automatically sends a renewal with ID cards and a new policy effective to the policyholder's next insurance period, that the policyholder will renewThis assumption leads many to believe that if GEICO sends the ID cards without a firm financial commitment (i.epayment) from a policyholder, that the policyholder will not send in proper payment and keep the ID cards in an attempt to convince local law enforcement that they do indeed have automobile insurance when, in fact, and in an attempt to delude law enforcement by not actually carrying coverage on their vehicle but instead present the ID card that states otherwise, that the customer has no insuranceGEICO has every right to assume that riskIn simple terms, the customer lies about having coverage when stopped by the police; they have a physical card in an attempt to get out of receiving a citation for no insurance, and so, upon questioning by the local police, they produce an ID card for which there is no insurance to back it upI am asking GEICO to convince its fellow insurance carriers (i.eState Farm, Allstate, etc.) to do the sameSo, my two requests from GEICO: stop the renewal reminders at the policyholder's request, and stop auto-issuing ID cards and policies until the customer actually pays for a policy renewalIn conclusion, I will state here that I am happy with GEICO's service and reputationPrior to my affiliation with GEICO, I was with a local insurance agent of dubious integrityIt was GEICO's reputation as a reliable, dependable, and trustworthy company that convinced me to switchI understand that I have that option to switch to another carrier at any timeHowever, I will stay with GEICO as long as they wish to keep me as a customerAll I am asking is for GEICO to change the practice of automatically sending ID cards UNTIL THE INSURANCE IS PAID IN FULL and to give the customer the opportunity to OPT OUT of receiving ANY emails, letters, phone calls, or other communications reminding them that the policy needs to be renewed or is about to expireAgain, in compliance with state laws.P.SAfter renewing my policy, I *still [redacted] received two mailings from GEICO with ID cardsThis to me is wasteful of paper and resourcesA new policy and ID card(s) should be mailed *ONLY [redacted] if the customer requests suchThey should not be automatically mailedAnd the GEICO app is handy, and most local and county/state law enforcement agencies will allow a "virtual" ID card to be presented in lieu of a paper cardBut it is good to have a paper card handy in case the mobile device is not available for whatever reason Regards, [redacted]