GENTERA

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
The response asks me to pay insurance premiums for the period since March when I was not covered by a policy. A better solution would be to reinstate the same policy from the date I filed the complaint
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
You actually just sent me almost the exact response as before I can provide you with a copy of the accident report if that would help you understand that the violation on Jan for *** ***, my husband, was due to an accident I'm sorry your having trouble understanding this We qualified for accident forgiveness prior to this accident, therefore the accident should be forgiven I will be reporting this advertising to the Federal Trade Commission You can solve this by reducing our insurance by $153.00.
Regards,
*** ***

RE: Personal Automobile Policy: *** LM General Insurance Company/NAIC: *** Dear Ms***,This is in response to your June 20, correspondence to the
Revdex.com regarding your automobile policyI appreciate the opportunity to replyUnfortunately, we had not received any prior request for cancellation, even though you indicate you contacted us by telephone and in writing. I have cancelled the policy effective January 24, 2017. There will be a $credit due to you. Please allow 6-days for receipt of that refund. Credit Collection Services was notified of this adjustment and there has been no adverse credit reporting as a result of the prior collection activity.Ms***, thank you for reaching out. If you have further questions or concerns, please contact me directly. I will be happy to assist you.Sincerely,*** ***Associate Customer Care SpecialistCustomer Care Unit** *** ** ***

It is acknowledged that when the auto policy was quoted and issued the account credit was in error as Mr*** indicated he planned to insure his rented apartment dwelling with us. We agreed to honor the erred quote for the first policy term and will correct this when the policy renews in 2016. It is also acknowledged that we only sought evidence for the highly educated worker discount from Mr***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved I would like to take them up on the offer to amend the policy to the correct start date of 11/2/to match the lease contract date I apologize for being so adamant I believe this is totally necessary, and the complaint should stick However I am forgiving because of Christmas and I used a foul tone back at the phone reps Please understand it was/is nothing personal at all I personally if you check public record was denied a renters insurance claim with *** over start date of coverage In this with *** I presented the annotated code of Maryland that you are referencing to: 1)***, 2)*** 3)*** *** *** *** 4)***, MD civil suite against *** the court transcripts clearly show I submit the 30, and certified mail clauses as well However, it was deemed to not apply I saved similar emails, Revdex.com complaints, written envelopes, record audio, video, call logs, other hundreds of similar denials where the day clause cause people claim rights All swept it under the rug and continue to do the same pitch as here for all carriers, standard practice However, it did no good Look it up on MD case search II forever here/meet with attorneys who are all pushing for a fix to this Also legislation I am purposing currently with friends from my societies will also include, standard access to call center internal notes, emailed/paper receipts after each call Your companies antics have caused this to come down on telephony MORE FEDERAL OVERSIGHT PLEASE ON TELEPHONY ESPECIALLY IS NEEDED Thank you again, will be sending contract and then change to match accurately Like it would of been if your phone reps slowed down and were accurate from the start before the Revdex.com was involved sheeesh, this could of been a minute ordeal, but you chose to dig in and stretch out man hours for all parties to finally offer the correction I still would like an apology i
Regards,
*** ***

Dear Sir or Madam, Please allow this to serve as a response to the complaint # *** that was filed by Ms*** ***. Please be advised that Ms*** is not a customer of Liberty Mutual / Helmsman Management Services. Liberty Mutual / Helmsman Management Services is a
claims administrator for *** Brands Inc. Ms*** is making a general liability claim against our customer, *** Brands, Inc. We are currently investigating Ms***'s claim and our obligation is to our customer, *** Brands Incto properly investigate the claim and only pay the claims that our customer is legally liable for.Please contact the undersigned with any additional questions you may have.Sincerely, *** ***Team ManagerCommercial Insurance / Field OperationsLiberty Mutual Insurance / Helmsman Management ServicesDirect dial ###-###-#### or ###-###-####, ext*** ***@libertymutual.com

Revdex.com of Eastern MA, ME, RI & VT Donald Lynch Boulevard, Suite Marlborough, MA 01752- Re: Complaint #: ***Company, NAIC #: *** Underwriters Insurance Company NAIC *** To Whom It May Concern, Thank
you for your letter dated August 1, regarding the RightTrack discount applied to Mr***’s auto policy As stated on the Liberty Mutual website, the RightTrack discount saves customers 5-30% based on their driving habitsThe initial RightTrack discount in New Jersey is 10% to better align with driving habits in the stateHowever, the final savings are still within the 5-30% range As stated in the RightTrack terms and conditions, the policy premium may be adjusted based on data collected during the review periodIn New Jersey this means the final discount could be less than the initial discount based on the data collected during the review periodThe RightTrack discount is not considered a feeWhile the final RightTrack discount on Mr***’s auto policy was reduced to 5% based on the data collected, he still receives a savings due to his participation in the program I hope this information provides clarity regarding our decisionIf you have any questions or need any additional information, please feel free to contact Liberty Mutual at *** Sincerely, *** *** SrCompliance Analyst

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
***,Are you telling me that I cannot speak to someone above you because copies of my complaint have been sent to others? I don't care if copies were sent, I want to speak to someone above you. I am not happy with your handling of the situation! In response to your response on rate comparisonNo other insurance company even gave me your previous $129/mo rate so don't tell me your rates are based on anything other than your company's way of dumping clients and I believe that is unlawful. No one in their right mind would pay an over $6,premium on a car that was worth $13,new! I did not receive proper notification! I would have never agreed to a monthly rate increase from $129/mo to $518.75/mo. That is insane! You took advantage of someone on auto payments! I wonder how many others have been ripped off that way because they made the mistake of trusting you! I had been with your company >yrs! I always paid my bills on time... did not have a history of violations or accidents and the first violation that I have you hike my rate up so high so instead of actually dumping meyou make it impossible for me to keep this insurance! This practice is shady and underhanded to say the least! I would be interested in seeing if a class action suit is in order! I have also reported you to the state. Now I have informed you multiple times that I have changed insurance companies starting 6-28-and my new insurance company has notified you. You took another $out on 6-13-2016, I am still waiting for my refund check for that overpayment! I reiterateI want to speak to someone above you. I am still very angry with Liberty Mutual!
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved. DO YOU HEAR THIS CLEARLY CANCEL EVERYTHING THAT ASSOC MY NAME WITH LIBERTY MUTUAL EVERYTHINGI HOPE I SAID THGAT CLEAR ENOUGH IT WAS A SCAM FROM THE START ALL YOUR CSR LIED TO ME LISTEN TO CALLS LIED IN MY FACE BUT THATS NIETHER HERE NOR THERE I WILL PAY FOR THE RENTERS POLICY THAT ONE TIME YOU HERE THAT ONE TIME BUT EVERYTHING CANCEL TODAY
Regards,
*** ***

June 26, 2015Revdex.com serving Eastern Massachusetts, Maine, Rhode Island and VermontRE: Complaint #: *** Automobile Policy Home State County Mutual: *** ***Dear Revdex.com:Thank you for your follcorrespondence of June 19, regarding Complaint # ***We have reviewed the Automobile policy and validated that the premium amount iscorrectOn June 11, a payment in the amount of $was received for this policy via payroll deduction for outstanding premium dueThere is no refund due to the insured.As stated in our reply of June 18, 2015, we amended this Automobile policy on August 17, to exclude the insured’s daughter effective August 15, and mailed a copy of the endorsed declaration pages to the customerThe endorsed declaration pages list the daughter as a Named Excluded Driver and state “This policy includes a named driver exclusionsurcharge for the excluded driver(s) listed.” This statement and listing of the daughter as an excluded driver are also included in the renewal declaration pages sent to the insured on September 7, and the endorsed declaration pages sent to the insured effective February 2, 2015; March 17, 2015; March 27, 2015; and April 14, We are unable to refund earned premium for coverage provided.On October 22, the insured contacted us regarding the change in premium for this policyAs the excluded driver change had already been endorsed onto the 2013-period and we had sent the insured renewal notice for the 2014-period, our representative advised the insured that the difference in premium between the two periods was the result of astatewide increaseOn March 27, the insured contacted us regarding the annual premium for the policy and our representative reviewed the policy with him. Please feel free to contact me directly if we can provide any additional assistance.Sincerely,*** *** CPCUCompliance Analyst

Re:Complaint #: *** *** *** *** *** *** ***
To Whom It May Concern: This is in response to the June 15, 2016, Revdex.com Complaint from Ms*** ***. Due to the sensitivity and confidentiality of the response materials, we are sending Ms*** a separate response that we believe will address her concerns regarding the forthcoming refund Thank you for the opportunity to address this concern Sincerely, *** *** Senior Compliance Analyst

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
Regards,
*** ***

While we understand that the consumer disagrees with our position on this matter, they have not provided any additional/new information in their rebuttal. At this time our position remains the same and we would ask that you close this fileShould the consumer submit new information regarding this dispute, we will be happy to review and respondThank You, ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***
I am still waiting for a phone call I know that she is reciting the policy language, my major issue from the start of this issue, as well as currently Is the issue of the misrepresentation of the sales representative assuring me that I had these endorsement on my current policy He quoted off another quote that I had from a competitive company, and on multiple queries assured me it was the same coverage, and that indeed the OEM parts would be utilized It wasn't until this accident that I discovered that this was not the case, and that my rental coverage had been removed If this is the way you do business then I have no intention to continue to be a customer of Liberty mutual, and will indeed proceed to seek another company who actually honors what they say, and represent themselves as with the advertising.
Regards,
*** ***

Dear Ms***, This is in response to your correspondence received through the Revdex.com on June 21, regarding your automobile policy. I attempted to contact you by telephone and email and I appreciate the opportunity to respond. This policy initiated online
February 19, with an effective date of February 20, 2016. The application was signed February 19, 2016. Our records indicate you printed documentation February 26, and emailed us a request to *** in order to have Identification Cards emailed to you on March 20, 2016. This policy cancelled effective April 28, for non-payment of premium following unpaid bills issued February 22, and March 21, and an unpaid cancellation notice issued April 13, due prior to April 28, 2016. After cancellation, a final $bill issued to you on May 4, due May 24, 2016. Liberty Mutual uses a third party vendor, *** *** *** *** to secure past due premium owed for cancelled policies. Policyholders are referred to ***when their policy has cancelled and the final bill remains unpaid. Since this balance remained unpaid, it was referred to collections on June 13, 2016. You indicated that you had requested your policy be cancelled. I regret we have no record of receiving a request to cancel this policy prior to this correspondence. I attempted to contact you by telephone but was unsuccessful. In addition, I emailed you June 23, requesting the effective date you wished to cancel this policy, but did not receive a response that included a date. Once I receive information regarding the date your new policy started, I will be happy to amend the cancellation of our policy to reflect the effective date of your new policy and the balance due would be adjusted accordingly. You may contact me directly at *** between the hours of 11:a.mand 7:p.mMonday through Friday or by email at ***
Ms***, thank you again for reaching out with your request. If you have further questions or concerns, please contact me directly. I will be happy to assist you. Sincerely, *** * ***Associate Customer Care SpecialistCustomer Care UnitPersonal Insurance Distributions OperationsTele: ***Fax: ***

We are submitting our response directly to the complainant

Claim was turned in on November by the agent for our insuredMr***'s name, phone number and address were not provided to us when the claim was turned inThe adjuster attempted to contact our insured multiple times by phone to get Mr***'s information and our insured's version of the
incidentWe were able to speak with our insured on December A message was left for Mr*** on December and again on December We did not speak with Mr*** until January 6. Mr***'s version of the loss is different than our insured's versionInvestigation is ongoing into coverage and liabilityWe hope to have coverage and liability resolved in the next few weeks as our insured provides us more details around the loss

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
Their story don't add up they told me they were issuing my money back in payments but I don't have that insurance no more so where's the money at you can't take my money and use it to your advantage my money should have been sent back to me and I do what I want it's like I'm paying additional money I don't have closer and then I was sent to collection without a final bill closer or nothing and I suppose to accept how you all treating a loyal customer so I don't know what you'll expected from my I reported this claim because I feel treated unfairly If you have any other questions or comments you can contact me thanks in advance Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***Please add your rejection comments below.
Ref: Liberty Mutual Group *** *** *** *** ***
*** ** ***To whom it may concern :I am sending this reply in response to Liberty Mutual Insurance groupIf the initial inspection of the policy offered by Liberty Mutual had in fact, identified the list of defects, mentioned in it's reponse to my complaint, the area of the home in question would have previously been declared structurally unsoundBut to the contrary, the policy was accepted by the insurance companyThe company is clearly in contradiction of it's own declarationsThis is obviously done to avoid claims by it's customers I do not submit to any of the insurance company's rhetoric inwhich they've addressed this complaint. Sincerely, *** *** ***d90@***.com
Regards,
*** ***