Geico Corporation

[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 was not provided an upfront written estimate of damage or repairs for my vehicle Furthermore, the documents were signed with my expressed consent and understanding to first provide me a written estimate and report on the damages and cost of repair to my vehicle, and then an informed decisioin would be made on my behalf The State of CT requires a full-written estimate to be provided upfront to all consumers requiring auto repairs-and authorization cannot be obtained prior This was not done at any time in my particular case Therefore, the actions of both Geico and [redacted] were both decietful and unlawfI did not knowingly choose nor authorize repair of my vehicle The only authorization made by myself to [redacted] was for diagnostics and to have a written estimate prepaired so that I could make a decision as to what I would like to do with my vehicle And, if furher proof of this statement is needed, I would encourage Geico to review its phone records in which I stronly indicated to the customer service repthat this was my desihave an estimate provided on cost and damages.Regards, [redacted]

transparent;">We have received your request for assistance on behalf of [redacted] A response to Ms [redacted] has been sent via United States Post Office mailThe following is a summary of that responseMs [redacted] indicated that a Declarations Page for her policy that she requested was never receivedOur records show that the document was sent to Ms [redacted] 's email on 05/10/after which there was no additional request to re-send the Declarations PageWe have included an additional copy with our response to Ms [redacted] If you have any additional questions, please contact our analyst, Mary Arevalo, at ###-###-####, extension Sincerely, Gregory J [redacted] Assistant Vice President GEICO General Insurance Company

Ms [redacted] : We are still investigating Ms***'s claimThe facts of the loss provided by Ms [redacted] and [redacted] are inconsistentWe requested contact information for Mr [redacted] 's associate and for Mr [redacted] ’s nephew as Mr [redacted] states that he was with both of them on the date of lossIf we are able to confirm coverage for the loss as reported, we will reimburse Ms [redacted] for the damage to her vehicle, towing fees, and personal effects up to $ Please be advised that we did not change this claim from a theft claim to a vandalism claim as indicated by Ms*** The vandalism claim is a separate claim for an incident that was reported as having occurred on October 13, If you have any questions, please contact Claims Manager Michael L [redacted] at ###-###-####

We are in receipt Mr [redacted] rejection of our May 18, responseAs our prior response indicated Mr [redacted] was sent a Consent to Rate (CTR) form on October 17, and again on March 14, We are including copies of both of these letters for Mr [redacted] to review, We are required by the state of North Carolina to offer liability coverageNorth Carolina does not require that vehicles carry physical damage coverage, this requirement is made by the lienholderIt is the consumer’s responsibility to ensure their vehicle is insured with physical damage coverage while being financedWhen Mr [redacted] failed to sign and return the CTR form we could no longer offer physical damage coverage and as a result this coverage was removedA review of Mr [redacted] ’ policy reflects physical damage coverage was removed effective April 17, 2014; therefore we will maintain our position that coverage was not in place at the time of loss on July 26, If we can provide any additional assistance, please contact Kim G***, at ###-###-####, extension Sincerely, Andrea B [redacted] Virginia Beach Regional Office GEICO Indemnity Insurance Company

November 11, Revdex.com Attn: Anita Horne K StNW, 10th Floor Washington, D.C 20005- Re: [redacted] Case No [redacted] Dear [redacted] ***: This is in response to your correspondence received in our Washington, D.CExecutive Offices It was referred to the Dallas, TX Regional Office for a reply On October 2, 2014, GEICO sent a letter indicating a consumer reporting agency had indicated [redacted] may be a licensed or permitted driver with [redacted] ’s address as their primary address (copy enclosed) The letter indicated if [redacted] had other insurance [redacted] would need to provide a copy so we could update the policy The letter stated that [redacted] would be automatically added if no response was received within days On October 21, 2014, [redacted] was automatically added as no response had been received As indicated on the letter, this was to provide insurance for [redacted] , as it appeared [redacted] resided with [redacted] , was related to her, and [redacted] did not carry her own insurance The change to the policy was an increase of $118.57, effective October 22, through December 30, On October 21, 2014, [redacted] contacted the Customer Service Department and advised [redacted] was no longer a household resident The Customer Service Representative advised [redacted] proof of other residency was needed to remove [redacted] On October 22, 2014, [redacted] provided the necessary documents to remove [redacted] from the policy The policy was changed, with a decrease of $118.57, effective October 22, through December 30, and the billing was adjusted If you need additional information please contact Julie B [redacted] by telephone at ###-###-#### from 8:am to 4:pm CST or by email at [redacted] @GEICO.com Sincerely, Patti K [redacted] Underwriting Manager Enclosures Cc: [redacted] [redacted] [redacted] ** ***

March 12, Dear ***: Thank you for your March 4, inquiry The above referenced complaint arises from an accident which occurred when [redacted] struck a deer with her [redacted] Cruiser We reviewed the policy information for ** [redacted] Our records do not indicate the vehicle involved in this loss had Comprehensive coverage on the date of lossWe also have no record ** [redacted] ever made a request to have Comprehensive coverage added to her policyA declarations page was provided to ** [redacted] when she purchased the policy and you will find a copy enclosed for your reviewThe vehicles insured under the policy and their respective coverages are listed on Page of the attachment If you have any additional questions or concerns, please contact **, [redacted] , Claims Manager, at ###-###-#### Sincerely,

[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 I am rejecting this response because:I called to make a claim with Geico February That I was involed in a hit and run accident .The other vehicle took off when I proceeded to get out of my vehicle to exchange insurance informationLuckily I got the other drivers license plate number .Called the police gave them the infoThen called Geico when talking to a claims representative she was very condesending Made me seem as though it was my fault[redacted] then told me that there was nothing she could do until they did a trace on the plate number .I called Geico many times after that .It took Geico nearly a month before they sent an adjuster out to look at my vehicle.I now have medical bills that are due and they have yet settled this claim When [redacted] does call to speak with me about the medical claim she proceeds to tell me that they are only going to offer me a one time settlement the medical bills that are due plus double that Well I do not believe that is fairIhave a constsnt pinch in my shoulder everyday as a result of this accident I will probaly need additional medical attention and test done as a result of the accident.What ever happened to paying into a legitament insurance company for years and expecting your insurance to at least be respectfulAs of today Geico has yet settled this claim Regards, [redacted]

[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 have choices! Regards, [redacted]

[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: the day that my vehicle was inspected damages unrelated to the hail storm were pointed out by the inspector as well as noted on the estimateThose damages that were caused by the hail storm were done the same, these are the damages that I am disputingI am not asking Geico to pay for curb damages or paint chips but actual dents in the door caused by the hailHow can Geico confirm damages were not caused by an act of nature when acts of nature are outside of human control, thus no one can specialize in such acts? I have pictures from the actual storm as well as a video of how hard and severe the storm was that caused such damages to my vehicle What documented written proof does Geico have and what evidence supports such? Regards, [redacted] ***

June 16, 0in 0in 0pt" class="MsoNoSpacing"> Revdex.com Attn: [redacted] K StNW, 10th Floor Washington, D.C 20005- Re: Dawn Wrasse Case No Dear ***: This is in response to your correspondence received in our Washington, D.CExecutive Offices It was referred to the Dallas, TX Regional Office for a reply On May 23, 2014, [redacted] purchased a GEICO Casualty automobile insurance policy effective May 24, through November 24, at a six-month premium of $(copy enclosed) The policy was started by an electronic check in the amount of $for the down-paymentA $installment fee was applied to the policy The payment plan was established as the Electronic Funds Transfer method On May 27, 2014, the bill notification was sent indicating the payment schedule for the remaining payments The “MESSAGES” section of the bill states (copy enclosed): “A service fee of $to $20.00, depending on your state, will be assessed if your payment is not honored by your bank.” On May 30, 2014, the down-payment of $was returned by the banking institution as Insufficient Funds A $penalty charge was automatically applied to the policy One June 3, 2014, a cancellation notice was mailed to [redacted] indicating her policy was declared null and void as of the inception date and no coverage was provided (copy enclosed) However, this left the $installment fee and the $penalty charge amounts due As a courtesy, GEICO waived the $penalty fee and the $installment fee since the policy was null-void and no coverage was provided On June 1, 2014, an electronic check payment of $was received, however it was returned by the banking institution on June 6, as Insufficient Funds A penalty charge of $was automatically applied to the policy On June 16, 2014, as a courtesy, GEICO waived the second $penalty fee since the policy has been declared null-void and no coverage provided There is currently not a policy balance due Since [redacted] ’s original payment of $was never honored by her banking institution, we are unable to refund her the payment as per her request If you need additional information please contact [redacted] by telephone at ###-###-#### from 8:am to 4:pm CST or by email at [redacted] Sincerely, [redacted] Assistant Vice President Enclosures Cc: [redacted] [redacted] [redacted] ** [redacted]

August 21, 2014Dear [redacted] We have received your letter requesting assistance on behalf of [redacted] , I welcome the opportunity to respond to his concerns[redacted] contacted us on June 22, to report his [redacted] had been vandalizedHe elected to retain the services of a local [redacted] collision repair facility, [redacted] Collision to perform the necessary repairsWe inspected [redacted] ’s vehicle the following day and secured an agreed cost of repairs for $with [redacted] Collision.On July 4, 2014, [redacted] contacted us to inform us he had observed additional damage not included in our agreed cost of repairs when he was inspecting his [redacted] at his repair facilityWe reviewed his concerns regarding the center console and rear seat and authorized his repair facility repair those itemsThe revised agreed cost of repairs increased to $5,[redacted] contacted on us July 22, as he was concerned the repairs were not fully completed and his rental limits were exhausted, Our adjuster explained we would follow up with [redacted] Collision in an effort to secure their assistance since we would be unable afford rental coverage beyond [redacted] ’s policy limitsWe were unable to secure their immediate commitment to affording rental coverage despite their agreement that repairs had not been completed in a timely mannerAfter our adjuster’s attempts to obtain [redacted] ’s management to afford additional rental coverage, Auto Damage supervisor, Ed P [redacted] contacted the shopMrP [redacted] secured a commitment from [redacted] Collision on August 15, to afford coverage for the additional $in rental expensesWe contacted [redacted] to explain we had reached a resolution with the shop and he was pleased with the outcome.I hope this information is helpful in resolving [redacted] ’s concernsIf you have any additional questions, please contact my associate, James T***, at 1- [redacted] Sincerely,Joe N Assistant Vice President GEICO Casualty Compan

I had an accident with another Geico driver, I changed lanes and the driver wont let me change so he hit my fender, so geico declined coverage citing they could not determine who was at fault, I was with geico for over years, and another incident happened, I hit an animal , damaged my front bumper, so geico told me that we dont have animals and they did not beleive me lol, so if we dont have animals then why geico sells comprehensive to cover animal damages? so again they declined the coverage and the claim., It is true, Geico is cheap but they will fight every claim to make you cancel it and they will delay it and send an examiner and then make recording statements with several agents and require you to come in person and meet with them, to waste your time and then if you dont come they will cancel the claim citing you did not cooperate lolYour time is not of value at geico, they will not cover your claim , rest assured of that, also they will cancel your policy if you have more than claims within a months period and make you pay higher rate, yes it did happen to meGeico want a perfect driver with no claims at all lol, they are not perfect themselvesVery deceptive shady and ghetto company

We have received your letter requesting additional assistance on behalf of Ms [redacted] I welcome the opportunity to respond to her additional concerns After arranging to pay for the replacement of all components of Ms [redacted] ’s air conditioning system, we have reviewed the various storage, administration, and diagnosis fees requested by [redacted] Auto BodyWe have agreed to pay a fair and reasonable amount to Ms [redacted] for the storage and fees requested by the shop and contacted her directly to address her concernsWe will then issue payment directly to the address on fileI hope this information is helpful in resolving Ms [redacted] ’s continued concerns, but if you have any additional questions, please contact Claims Manager, David E***, at ###-###-#### Sincerely, Joe N [redacted] Assistant Vice President GEICO Casualty Company NAIC:

March 11, Dear ***: This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policyI have carefully reviewed the matter and my findings are as follows: In ** [redacted] ’s correspondence to your organization he expresses concern with his coverage deductibles and the amount of time that it took to inspect his vehicles GEICO’s records show that ** [redacted] ’s policy was bound on November 17,at approximately 6:pm to be effective November 18,The policy was bound with deductibles of $2,for both comprehensive and collisionPolicy paperwork was sent confirming the coverage and deductibles** [redacted] confirmed his coverage and deductibles by signing a coverage selection form via the internet at approximately 7:pm on November 17, On January 30,at approximately 7:am, ** [redacted] changed his deductibles via GEICO.com to $comprehensive and $collisionPlease note that the loss in question occurred on January 29,and was reported to GEICO on January 30, at approximately 4:pmThe loss was reported by ** [redacted] after he changed the deductibles It is GEICO's position that all proper procedures were followed in the handling of ** [redacted] ’s policyThe coverage and deductibles available at the time of loss were selected and confirmed by ** [redacted] at the time of saleGEICO has no record of any request to change limits and/or deductibles until after the lossGEICO has made an exception as a matter of good faith to reimburse for the “loss of use” due to the unfortunate delay in the inspection of the vehiclePlease note that there was no rental coverage available for the time of loss and GEICO’s decision to offer reimbursement for the delay period (days), has been made as a matter of good faith and exceptional customer serviceIf you have any questions, or if GEICO can be of any further service in this matter, please contact me at ###-###-#### Very truly yours,

September 8, 2014Dear [redacted] This will acknowledge receipt of your September 5, inquiry regarding the above referenced private passenger automobile insurance policy.Our records indicate that [redacted] previously insured two vehicles under GEICO auto policy number [redacted] , which was cancelled effective July 21, as per [redacted] ’s requestThe policy cancellation resulted in an outstanding earned premium balance of $since the policy was not paid up to the requested cancellation dateEnclosed are copies of the multiple bills that were sent to [redacted] at that time reflecting the outstanding balance that was owed on the cancelled policy.On August 19, [redacted] established a new policy ( [redacted] ) via our company’s website to insure a [redacted] with an effective date of August 20, At the time of the transaction, [redacted] was again informed of the outstanding earned premium balance of $from her prior policy, which she was required to pay before the new policy could be established [redacted] then submitted the $payment via GEICO’s website along with a down payment of $in order establish the new policy.On August 20, [redacted] contacted GEICO via telephone and requested to cancel her new policyAs requested, the policy was cancelled effective August 20, and a refund of the down payment ($125.30) was subsequently applied to [redacted] ’s VISA card on August 21, Enclosed is an itemized statement of account reflecting the transactions that occurred on the new policy.It is GEICO’s position that the earned premium payment of $that [redacted] submitted on August 19, was for coverage our company provided on her prior policy up to the indicated cancellation dateAs such, we are unable to comply with [redacted] ’s request to refund the said paymentGEICO is also unable to reimburse [redacted] for any overdraft fees that she incurred since our company has no control over how long her financial institution takes to credit her account with the refund that was promptly provided as indicated in the included statement of account.Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you [redacted] update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is somewhat satisfactory I supposeNot great, because I still lost money from this whole debacle from purchases I made without funds actually in the bank I would not have gone further into the negative by buying things that I didn't actually have the money to buy had I known that Geico would make an error like this and take so much out of my account, but they still insist it was my wife's fault so there is no winning with themJust glad I no longer have to deal with Geico anymore Regards, [redacted] ***

We have received your letter requesting assistance on behalf of [redacted] We welcome the opportunity to respond to her concerns and apologize for any inconvenience this has caused her [redacted] reported the claim to us on October 15, At that time we told Ms [redacted] we did not believe she had any responsibility in this accident because the other driver involved ran a red light, entered the intersection, and collided into her vehicleThe initial adjuster reviewed the coverage available on her policy and explained to her that she did not have Collision Coverage on her policyHe offered to transfer her call to the at-faulty party’s insurance company, ***, so she could report the claim and have her damages handled directly with themSince [redacted] does not have Collision Coverage, we are unable to legally pursue [redacted] Insurance Company or their insured directly for her damagesWe are, however, able to follow up with [redacted] Insurance for status updates which we have done multiple timesClaims Supervisor Jonathan C [redacted] called [redacted] and left a voice mail with their adjuster’s Manager [redacted] on October 22, In his message, he explained [redacted] ’s situation and offered witness information which may move their investigation towards resolutionHe also asked what their next steps were, and requested a call back to discuss the claim [redacted] ’s damages are still unresolved as of the date of this letterWe understand she is frustrated with ***’s investigation and their inability to resolve their claim, and that she is disappointed with us because she feels like we are not doing enough to be an advocate for her to get this matter expedited and resolvedSupervisor Jonathan C [redacted] has called Ms [redacted] , provided her with a claim status update, and explained he would call Ms [redacted] back after he is able to discuss the claim with ***’s Manager, [redacted] Although we are legally unable to pursue recovery of her damages, we are able to continue to reach out to [redacted] Insurance and be an advocate for [redacted] I hope this information is helpful in resolving [redacted] ’s concernsIf you have any additional questions, please contact Claims Supervisor, Jonathan C [redacted] , at ###-###-####, extension Sincerely, Martha F [redacted] Regional Vice President Government Employees Insurance Company NAIC: MF/jc/jp

Complaint: [redacted] I am rejecting this response because:First of all, I never reinstated my renter's insurance policy with GeicoIn fact, I was told over the phone that reinstatement WAS NOT EVEN A POSSIBILITY unless I paid the rest of the year in fullAs I wanted to deal with the horrible customer service representatives from Geico as little as possible, I certainly did not take that optionAfter their refusal to take off the late fee, I decided to pay all past and current charges at that time to cancel out my [redacted] policyOn November 18, 2013, I paid all fees and costs related to this insurance policy, thus closing the accountI received an email confirming this cancellation and that my balance was $from ***, as well as the recorded phone conversationI have emails from two separate reps at Geico stating my balance was $0, and I didn't owe anything more to the companyI would be happy to send you these emails, as well as a recording of the original phone call (Geico should have it on file as well), as long as I am guaranteed that my personal information will not be released- There is both my address at the time on it and my credit card information in the phone callAlso, how would it make sense that I pay almost $in back payments and fees and refuse to pay an additional $to close out my account and stop working with these people, as ** [redacted] has claimedTalking to Geico representatives has been not only a painful experience, but a huge tax on my timeI would never draw this experience outAs to the $service fee ** [redacted] mentioned, I was told in a different conversation in December (after I had received a new bill stating that I owed Geico money) that "service fee" was a $letter feeSince they sent me letters AFTER I had closed out my account in November, I owed them an additional $to whatever other charges they said I owedIt would be impossible for me to owe a $service fee on 11/as ** [redacted] stated, as neither of those letters had even been sent out yet- They would be sent in DecemberTo be perfectly frank, I think it is disgusting that Geico could think to get away with these hidden fees and go back on their wordI think it is horrible that they would call me a liar over the phone and through email, even after showing them my $balance emails and playing the recordings I haveI think they believe they can play with customers' lives and money, even going so far as refusing to give me the names of managers, representatives, underwriters or anyone else involved in my billing fiasco and refusing to let me talk to anyone else except the representative who picked up the phoneI have been hung up by them, told that I would receive callbacks that never happened, and generally regarded as dirtTalking to [redacted] and making an issue of this through social media was the only way I was able to get this handled, and [redacted] even apologized to me for this experienceHowever, it was not through [redacted] that I was required to pay, it was through GeicoNo matter how many times Geico repeats that the policy was [redacted] ', all billing, mailings, and customer service experiences had unfortunately needed to be handled through and by GeicoGeico was the one who told me my balance was $0, and Geico was the one who demanded I pay late fees a month after I canceled and zeroed out my account Regards, [redacted] Re: I am writing to you in response to ** [redacted] ’s concerns outlined in your March 20, communication GEICO Insurance Agency, Inc(GIAI) is an agent for [redacted] InsuranceAs an agent we must abide by the rates, rules and guidelines set forth by the carrier ** [redacted] s policy was sold effective July 12, ** [redacted] made an initial down payment of $ The policy was set on a payment plan and the additional bills were mailed to ** [redacted] After the policy cancelled for nonpayment, ** [redacted] contacted GIAI and paid the overdue premium to reinstate the policy coverageAt this point ** [redacted] refused to pay the billing and late feesThis refusal to pay the appropriate fees resulted in a balance being left on the account The policy was cancelled per ** [redacted] s request on November 18, The balance as of that date was $16.89, $in earned premium and $in feesThis balance was billed to ** [redacted] Due to the low outstanding balance, [redacted] has decided not to peruse recovering the fund by Collections method ** [redacted] has been released of the responsibility paying the $ If you have additional questions or concerns, please contact me at ###-###-#### Sincerely, [redacted] GEICO Insurance Agency, Inc

We have received your letter requesting assistance on behalf of [redacted] I welcome the opportunity to respond to her concernsI apologize for any difficulty Ms [redacted] is experiencing in relation to the cancellation of her auto policyMs [redacted] has been insured with us under policy number [redacted] since May 15, Unfortunately, her policy cancelled for non-payment on July 8, Any time a policy cancels, we are unable to guarantee the prior six month premiumWhile we understand her concern, there are many underwriting factors taken into consideration that can impact the premium when a cancelled policy is quoted for a reissueI can assure Ms [redacted] that we are not discriminating towards any particular group of peopleIn an effort to assist her during this difficult time, my associate, Phillip K***, has been in contact with Ms [redacted] to reinstate the policy without a lapse in coverageThis will allow Ms [redacted] to avoid fines from the Department of Motor Vehicles and continue to pay the original policy premiumThis arrangement is pending final approval and payment from Ms [redacted] as of August 2, Based on the foregoing, we respectfully request that this complaint again GEICO General Insurance Company If you have any additional questions please contact my associate, Phillip K***, at ###-###-####, extension Sincerely, Maria S [redacted] Assistant Vice President GEICO General Insurance Company NAIC: [redacted] MS / pk

April 7, To Whom It May Concern:Thank you for your inquiry of March 30,2014.On March 3, 2014, ***- [redacted] reported that her vehicle had been struck while parked and unoccupied and sustained damage to the front bumper***- [redacted] was informed that she carried a $collision deductible along with rental reimbursement with a limit of $A tow was set up on March 3, 2014, and **, ***- [redacted] ’s vehicle was towed to the repair facility of her choiceThe damages to ***- [redacted] ’s vehicle totaled $1,and we issued a check for $to Complete Collision on March 10, 2014, which reflects the estimate amount less her $collision deductible,At the request of ***- [redacted] we researched her policy and verified she has carried a $collision deductible since her policy inception on December 8, ***- [redacted] ’s policy paperwork mailed on November 26, 2012, reflects the same, as does the policy renewal paperwork mailed to ***- [redacted] on June 9, 2013, and November 14, 2013.Unfortunately we cannot agree to pay ***- [redacted] ’s deductible as this was the deductible she choseAdditionally, we are unable to refund her policy premium back to her inception date as we have provided continuous insurance coverage to ***- [redacted] since her policy inception of December 8, 2012.We sincerely regret any inconvenience ***- [redacted] experienced during our handling of her lossWe believe that we handled her claim appropriately and in accordance with the provisions of her policy.Should you have any further questions, please contact [redacted] at ###-###-####.RE: File Number:Complainant:Sincerely,