GENTERA

Dear Mr***: Our records indicate that you spoke to *** ***, Manager, last week and that you have been advised of the status of your claim Please contact Ms*** if you have any additional questions regarding your claimMs*** can be reached at: ###-###-#### ext***

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.
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 # ***
Regards,
*** ***

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,
*** *** ***

"Disability" or "Disabled" means you, as a result of Injury or Sickness, are unable to perform the Material and Substantial Duties of your Own Job Your STD claim was denied on the basis that our review did not support that your condition was of a degree and severity to support disability as defined aboveOur review included a review of the medical records by a nurse case manager The June 28, denial letter explains the basis for this determination. In the June 28, denial letter, we fully advised you of your ERISA right to request a review of the denial determination and to submit any additional information in support of your claimYou may submit an appeal as outlined in our letter dated June 28, Any questions you have regarding your claim may be directed to *** *** or her manager, *** *** at ***

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,
*** ***

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.
[If you are rejecting the business's response please enter your rejection comments here.] I still don't believe the company is truly understanding what the issue on hand isI will be reaching out to *** to enlighten him on the details as it seems the company has once again missed the mark
Regards,
*** ***

Per the email, there is clear intent to bind coverage. We can go back and cancel effective inception, but we would request proof of other coverage in place from the date we bound the account per the email: Hi ***, I would like to move forward with the Limited Liability Insurance with you. Next steps? Thanks, ***

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 did not reply to 1/notice due to sending documents of proof of payment directly to *** *** at Liberty MutualI have left her two messages with no response. Regards,
*** ***

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,
*** ***

As previously stated, the motorcycle policy cancellation date was changed to avoid any balance due.The auto policy has an outstanding balanceThat balance was created when you changed the vehicles on the policy from a *** *** to the *** ***That increased the policy in effect at that timeThe premium for that coverage would have been calculated over the rest of the policy period. The policy was subsequently rewritten to a newer rating platform which lowered you total annual premiumThis caused a rollover amount from the previous policy to the new policyYou cancelled the new policy effective 11/16/So the outstanding balance is from 11/8/to 11/16/in addition to the previous balance for coverage.Electronic Funds Transfers all ceased when the policy cancelledThe balance will need to be paid via a check through the mail, or contact with our customer service departmentA payment can be made over the phone with no additional fees

***,Thank you for helping with this matter you have no idea how much it means to me that this was done
*** ***

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.
I will file a official complaint with the department of insurance and let the department of insurance settle this dispute its not possible to have two car insurance companies at once
Regards,
*** ***

Dear Ms***,This is in response to your September 7, correspondence to the Revdex.com regarding your automobile policy. I appreciate the opportunity to respond to your concerns.Please accept my apology for the miscommunication that occurred resulting in the
cancellation of your previous policy. Our records reflect we were previously advised by Mr*** to cancel this policy. However, it is our objective to ensure no one is left uninsured in a divorce situation and I regret this was not consistent with what occurred. Your willingness toshare your experience is helpful in identifying areas where we are not consistently meeting our service standards or our customers’ expectations. After we were notified you continued to require coverage for your ***, a new policy was written for you effective October 6, 2015. However, we are unable to resume the Electronic Funds Transfer (EFT) withdrawals from the same account as Mr*** is the only individual who may authorize transactions on his account for the automatic payments. A new authorization would be required from Mr*** for the EFT to resume. Even if the prior policy remained active, we would be unable to continue the EFT if Mr*** instructed us to discontinue the withdrawals.As previously explained, once you provide proof the *** is registered in just your name, we will be able to remove Mr*** from the policy completely. This would remove all rights he would have to make any changes to your coverage. Ms***, you are a valued customer and we appreciate that you have allowed us to provide for your insurance needs since If you have any further questions or concerns, please also feel free to contact me directly. I will be happy to assist you.Sincerely,*** ***Associate Customer Care Specialist, Customer Care UnitPersonal Insurance Distribution OperationsPhone: ***-***-*** Fax: ***-***-***

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 # *** Liberty mutual has a responsibility to the public to present a fair and just opportunity for all to gain insurance win the company engages in fraudulent advertising in order to gain public interest that is not a company that should be doing business openly in the US it is my job to shut this down you judge people and demand higher rates for speculative interest of your own there is nothing fair about your process and procedures and all consumers should do Business with other companies who are upfront and honest sincerely *** ***
Regards,
*** ***

The policy was quoted with discounts for highly educated worker and account-homeowners. We sent a request to confirm the highly educated worker discount to him on April 12, 2015. When the confirmation document was not received, the discount was removed as of the inception date. We
received the documentation on June 1, and placed the discount on the policy as of the inception date.We also learned that the insured’s companion policy was for a renter’s policy and changed the discount accordingly. When contacted, we agreed to honor the quoted premium based on the homeowner discount There was no umbrella discount on the application or the policy at any time. Changes to the policy, such as adding vehicles or drivers, which impact the policy premium and monthly billing amounts will not be waived. When the policy renews in the account discount will be corrected

RE: *** *** *** ***
** *** *** *** *** *** Dear Ms***,This is in response to the March 3, correspondence to the Revdex.comI am sorry to hear you have concerns and appreciate the opportunity to respond
My hope is to provide the clarity you are looking for.This policy was initiated January 15, to be effective February 16, When an auto policy is initiated a down payment is required to secure the quoted premium and bind the coverageA $payment was taken when the policy was written You selected monthly Electonic Funds Transfer (EFT) withdrawals as your preferred payment method for the remainder of the policy term. A review of the sales call recording indicated that the sales representative was not clear we would process an immediate payment, just that one would be due by your first monthWhen you contacted us on January 27, 2016, as a courtesy, we refunded the $payment and rescheduled it for a month later on February 25, An email notification was sent to you to serve as a reminder of this. On February 25, we drafted the agreed upon $payment for your automobile policyYou again contacted us to state that this payment was taken without your knowledgeHowever, you verified that the email address on file is accurate, and we confirmed that notification was sent to youFurthermore, you were previously advised that a payment is required by your first month, and then payments would continue starting April 15, 2016. We neither have a record that you were ever advised that there would be no payment until April nor are we able to afford coverage for two months without a single payment remittedAs this payment is required to maintain the policy we are unable to refund this to you. I see that you had the payment returned as unauthorized by your financial institutionAs both down payments have been returned, the first by Liberty Mutual as a courtesy and the second by your financial institution, we have issued a notice of cancellation for non-payment of premium The cancellation notice stipulates a payment of $($down payment + $return payment service charge) must be remitted prior to March 19, to prevent cancellation As a courtesy, I waived the $return payment service charge However, the $remains due.In addition, the EFT billing was removed due to the dishonored payment and the billing method was changed to direct bill With direct bill, the payments are higher since fewer bills issue and there is a $installment fee applicable A second step is required to obtain your authorization to resume the EFT so the payments remain as quoted with this preferred billing method Please contact our customer service department at *** if you would like to remit payment or have further questions regarding your billing method.Ms***, I thank you for reaching outIf you have any further questions or concerns, please also feel free to contact me directlyI will be happy to assist you. Sincerely,*** ***Associate Customer Care Specialist, Customer Care UnitPersonal Insurance Distribution OperationsPhone: *** *** ***

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,
*** ***

RE: Homeowner Policy: *** Liberty Mutual Mid-Atlantic Insurance Company/NAIC: *** Dear MrLiu,This is in response to your May 22, correspondence to the Revdex.com
regarding your automobile policyI appreciate the opportunity to reply and apologize for the frustration this has caused.I retroactively amended the cancellation date of this policy to the inception dateThere is no longer an outstanding balance due.*** *** *** (***) will be notified of these adjustments and the policies will be removed from collections. There has been no adverse credit reporting as a result of the prior collection activity.Mr***, we regret your initial experience was unfavorable and hope to have another opportunity to provide for your insurance needs in the future. 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 Distribution Operations

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,
*** ***