Kemptons Quality Pools & Spas

This is in response to your letter dated November We are sending a copy of this letter to Ms*** forher information.When Ms*** requested cancellation of her Policy ***the policy was canceled at her request and afinal bill was mailed to her indicating that $was due
tip to the cancellation date oF June theAgent started a new policy for her effective June under Policy ***Howeveras sheindicates in her lettershe obtained insurance through another carrierWe have received proof of replacementcoverage effective 7/8/so the policy will cancel as of that dateThere will be a small premium owed or theperiod of time our policy was in Force From 6/30/16-7/8/16.We sincerely regret that our customer was dissatisfied and believe this matter is now resolvedIf furtherinformation is neededyou may contact me at ###-###-####extension ***.Sincerely.Denise H***, API AIS, AINSCPIWExecutive Assistant IIOffice of the President

Dear Ms***:This is in response to your letter dated November 22, 2017, which we received on the same date.In reviewing the customer’s Complaint to your office, we offer the following informationMs*** was involved in an accident under her ERIE Automobile Policy on September 2, 2017, and
she was found at fault for the incident According to our file information, she submitted no damages to her vehicleWe are in the process of settling the damages with the claimant that was struck by Ms*** in that accident.However, the complaint also includes an issue with car registration, in which ERIE was not involvedShe states that her car was reported junked from the accidentHowever, ERIE did not total her vehicle, nor did we provide any Collision coverage as she did not have Collision coverage on her policyIf the vehicle is reported as totaled, it may have been from a prior incident before she was insured with ERIEThe inception date of ERIE’S policy was February 23, 2017.With regard to the Complaint that the adjuster was ignoring her phone calls, the file information reflects several messages left for *** *** during the claims processWe regret that she is unhappy with the service that she received.We trust this is the information you are seekingIf further information is needed, you may contact me at *** ***.Sincerely,Denise H***, API, AIS, AINS, CPIWSrExecutive Resolution ExaminerOffice of the President

This letter is in response to your correspondence dated and received on July 19, 2017, regarding a complaint made by the abovereferenced insured.The insured *** *** had an excessive speeding violation on May 1,2016, driving miles per hour in a mile per hour zone.ERIE’s underwriting
standards for the Commonwealth of Pennsylvania stipulates that we will not insure operators who have, in thelast three yearsa speed violation of miles per hour or more, or a speeding violation of2O miles per hour or more above the limit.Ms*** driving record of driving almost miles per hour above the limit clearly does not meet ERIE’s underwriting eligibilityrequirementsThe policy was to been effective on July 20, but because the insured did not quaIify’, the policy did not go intoeffectEnclosed is a copy of the motor vehicle record for *** ***.If we can provide your office with additional information or claim any item, please do not hesitate to contact me at *** ***.Karen *** M***, CPCU, AIMAINS, AIS, CPIWSenior Executive AssistantOffice of the President

April 26, 2018Ms*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220Re: ERIE Insurance Exchange, NAIC #***ERIE Insured: *** *** and *** ***Automobile Policy #*** *** ERIE Claim # *** Complainant: *** * *** Date of Loss: 04/28/
Revdex.com ID # ***Dear Ms***:This is in response to your letter of March 24, 2018, which we received on that same dayYou requested that we review and respond to our policyholder’s daughter, *** ***’s letter expressing her concern about the repossession of the Ford Focus showing up on her credit report.On April 28, 2016, Ms*** submitted a claim for hail damage to the Ford FocusIn an effort to assist you in your review of Ms***’s concerns, I am providing below a timeline of the handling of the claim and how ERIE reached the final settlement of the claim.1) May 5, - ERIE received notice of a loss of hail damage, which occurred to the vehicle on April 28, 2016.2) May 8, - ERIE inspected the Ford Focus and found that the estimate had exceeded the actual cash value of the vehicleERIE deemed the vehicle a total loss.3) May 9, - Erie completed a total loss evaluation and obtained information from Wells Fargo, who was the lienholder for the vehicleThe ERIE appraiser reached out to the Policyholder to discuss the settlement amountThe Policyholder advised that they were not interested in retaining salvageTherefore, ERIE sent the total loss report and the total loss evaluation to the customerThe salvage yard was then called to pick up the vehicle.4) May 11, - The salvage yard picked up the vehicle from the ***’s residence.5) May 17, - ERIE Spoke with Wells Fargo and agreed to the total loss settlementERIE then mailed two power of attorney forms, odometer paperwork, total loss evaluation, total loss letter and a return envelope to the policyholderAlong with these documents, ERIE sent an instructional letter to the policyholder with what ERIE needed to proceed in the settlementThis form that was sent to the policyholder states:Payment will not be sent to the lien holder until these forms have been received.This may affect your outstanding balance as well as your creditPlease return these forms in a timely manner to ensure proper payment to your account.Please see the enclosed total loss paperwork.6) July 5, - ERIE spoke with Wells Fargo who was checking to see if ERIE had issued a settlement check for the payoff of the vehicleERIE advised that we had not yet received the total loss paperworkERIE then reached out to Mr***, who advised ERIE that the paperwork was currently in the mail.7) July 11, - ERIE received the Power of Attorney and Odometer statement from the Insured but the Power of Attorney was not notarizedERIE then returned the paper work to Mr*** along with a letter asking for the form to be notarizedPlease see the enclosed letter.8) August 25, - ERIE received a call from Wells Fargo requesting status on paymentERIE advised that we are still waiting on the notarized power of attorney from Mr***Wells Fargo requested the vehicle location informationERIE provided the information on the salvage yardERIE also attempted to call Mr*** but was unable to leave a voicemail.9) August 29, 2016- ERIE received a call from Wells Fargo advising that they want to repossess the vehicle.10) September 6, 2016- ERIE attempted to call Mr*** and left a voicemailWells Fargo also reached out to ERIE and wanted to know if ERIE could release the vehicle to themThe ERIE adjuster advised that we still had not heard from Mr*** nor had received the notarized Power of Attorney from him.11) September 19, - Wells Fargo repossessed the vehicle from the salvage yard.12) October 17, 2016- ERIE sent another letter for the notarized Power of Attorney form to Mr*** and the agencyPlease see enclosed documents.13) November 10, - ERIE received a subrogation demand from Wells Fargo dated November 10, 2018, advising that the vehicle had been repossessed on September 19, and they were requesting payment for the damages as a result of the April 28, hail claimPlease see the enclosed subrogation demand.ERIE never received the proper paperwork from Mr***Therefore, ERIE was unable to remit the total loss settlement to Wells FargoAfter Wells Fargo repossessed the vehicle and obtained the proper documentation, ERIE was able to settle directly with themIf Ms*** has any further questions about the repossession on her credit report she should contact Wells Fargo regarding this matter.We believe the above will assist you in completing your review of our actionsIf you should need additional information, please feel free to contact me at ***.Sincerely,Becca S*Executive Resolution ExaminerOffice of the President

Morning ***I have been contacted and the issues has been resolvedThank you guys so much for everything you do!!

Thank you for you letter dated May 24, 2017, received in our office that same dateYou request ERIEreview and respond to our insured~s concerns regarding his request for information regarding dates andaddresses that we would have mailed a specific magazine to him.Upon receipt of your letter to our
office, we mailed a response directly to MrPyle addressing hisconcernsEnclosed is a copy of the responseBased on the information provided in the letter to Mr.Pyle, we believe we have resolved his current concerns.We believe we have provided the information to assist with the review of your above referenced fileIfwe can provide any additional information or clarity, please contact our office at (814)2228.Sincerely.Stephen *R*** **., ACSAINS, AIS, AU,dcExecutive Support DepartmentOffice of the President

This is in response to your letter dated July 2, 20)5, which we received on the same date.The inception dale of this Erie Secure Home Policy was June 21, This property was written as a secon aryhome, as the customer was intending to purchase another primary homeERIE had the property
inspected andsent a letter to the customer at the last known address on the policy, requesting that live recommendations becompletedThe letter was mailed regular and certifiedIn receiving no response to our request for repairs, ERIEissued a Notice of Nonrenewal to be effective June 21, There was no request made to change the addresson the policy; therefore, it remained at the Ohio address under which the policy was written.We do regret that both the Auto and Home Policies were terminated; however, without the correct address to sendthe information to Florida, the mail remained undeliverable.We do regret that the customer is dissatisfiedIf further information is needed, you may contact me at *** ***
***Sincerely,*** ***, API AIS, AINS, CPIW

Thank you for your letter dated February received in our office on February You requestERIE review and respond to Mr*** concerns regarding his submission for electronic fund transfers and apending premium amount due For his automobile policy.In review of our file, the
following events occurred:ERIE's Agent bound a policy to provide Mr***’s automobile insurance protection effective January5, Mr*** elected a pay plan option for automatic electronic fund transfer to make hispremium payments.• When ERIE attempted to withdraw a predetermined premium amount from the information provided forMr***'s financial institution, the payment request was returned to us as an invalid bank accountnumber.• When ERIE was unable to withdraw payment from the information provided to us, we amended Mr.***'s electronic fund transfer pay plan option to a monthly billing cycle.• Mr*** purchased replacement coverage with another carrier and cancelled the ERIE Auto Policyeffective January 27, 2016.• ERIE cancelled Mr***’s policy as requested and mailed a Final Statement of Policy Balance to himon January 28, 2016, indicating an earned premium amount due of $This notice confirmed thepolicy terminated on January 27, 2016.While it is never a pleasure to find that any policyholder has concerns such as this with ERIE, premium remainsdue for the time period coverage was in place and was charged in accordance with policy provisionsTherefore,earned premium remains due in the amount of $96.00.Thank you for providing ERIE the opportunity to respond to Ms*** complaintIf you would like anyadditional information or clarification, please do not hesitate to contact me by phone at ###-###-####, or by faxat ###-###-####.Sincerely,Stephen ** R*** ***, ACS, AINS, AISAUCICExecutive Assistant IIOffice of the PresidentSR:c:

Dear Ms***:This is to confirm receipt of your letter dated November 29, 2017, received in our office that same dateYou request ERIE review and respond to the complainant’s, Mr*** ** ***, concerns regarding the handling of his claim occurring October 20, 2017.In review of our file, the
following chain of events occurred:• 11/7/- Mr*** *** contacted our insured’s agent to discuss a possible claim with a reported loss date of 10/20/Mr*** reported he was walking his son’s dog, when the dog pulled on the leash causing him to fall to the ground causing possible bodily injuryMr*** is considered as an additional insured under this policy of insurance due to being a homeowner and member of the association.• 11/8/- ERIE’s investigation to this point included a discussion with our insured, an officer of the association boardERIE also left a voicemail message for Mr*** to call to properly service his claim.• 11/13/- ERIE’s Claim Department spoke to Mr*** and requested he provide a recorded statement to help us obtain information regarding his claimMr*** stated to ERIE that he is not willing to cooperate and provide any statementMr*** then requested an “accident report form”.• 11/20/- ERIE spoke to Mr*** when he stated that he hasn’t filed any claim yet and he is uncertain if he is pursuing any claimMr*** stated he would not provide a recorded statement without his attorney presentMr*** requested an “accident report form” and that he would complete it in the event he decided to file a claim with ERIE at a later dateERIE confirmed with Mr*** at this time that we have no such form and that he was welcome to send to us a written description of the incidentERIE has not received any written description of the accident to this point.Mr*** states in his letter that he would like to submit a written accident report to ERIE in the event he wishes to pursue this claimERIE stands ready to service this claim for Mr*** in the event he wishes to provide a written description of this incident.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide additional support to our insuredIf you have any additional questions or concerns, please contact our office at (***.Sincerely,Stephen *R*** **., ACS, AINS, AIS, AU, CIC Senior Executive Resolution Examiner Office of the President

This is in response to your letter dated September 14, 2017, which we received on the same dateYou request ERIE review and respond to the insured’s concerns regarding cancellation of their policy for non-payment of premium and earned premium due.The insured states that ERIE overcharged the account
for the above-captioned policy in effect from December 15, to April 22, The insured is requesting that ERIE disregard the earned premium due because he never filed a claimUnfortunately, because coverage would have been provided per the insurance contract, ERIE is not willing to disregard current earned premium due in the amount of $This amount has since been referred to collections.We appreciate you providing ERIE the opportunity to review and respond to the insured’s inquiryPlease contact our office if you require any additional information or clarity at ###-###-####.Sincerely,Stephen VR*** ***, ACS, AINS, AIS, AU, CICExecutive Support DepartmentOffice of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.If they check their records I have called multiple times and told them to cancel EVERYTHINGI never signed up for homeowners insurance with them so I have no idea what they are talking aboutIf there is homeowners insurance on my policy it was added without my consentI never signed any paperwork to add any homeowners insurance to my policyI’ve had my own homeowners insurance through another company since I got my house in I have also attached pictures to prove that I asked them to cancel my policy and then also another one in October instructing him cancel everything.
Regards,
*** *** (***)

Revdex.com:I do not agree with the policy of not returning any bank fees to me as I believe when a payment is made early it is a positive thingIn this instance it was not since it resulted in a negative payment in my accountI was never ever told of the policy to call into my agent or into Erie insurance to report an early paymentI feel the accounting and policies are antiquated and could use an update.
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Dear Ms***:Thank you for your letter dated February 14, which we received on that same dayYou request ERIE review and respond to the insured’s concerns regarding the cancellation for non-payment of premium effective December 26, 2017, and the non- responsiveness of their agency.A review
of our file revealed that Mr***’s policy was written as new business on April 20, 2017, with an annual premium of $Mr*** was on Payment Plan D, which is Quarterly, with installments due May, July, October and JanuaryWe received timely payments for the May and July installments.On September 29, 2017, we mailed an invoice for the third installment of $to be due on October 20, When we did not receive thispayment, we mailed a second invoice on October 30, asking for the payment to be due on November 20, 2017.When we did not receive this payment, we issued a Notice of Cancellation on November 24, A copy of this notice and proof of mailing are included in the letter.Mr*** also alleges that the agent failed to respond to phone calls and emails regarding the cancellationI have spoken with the agent and they advised that they have no record of receiving phone messages or emails from Mr***The agent confirms that they "have a VoIP telephone system that alerts them of any voicemails that are left by also emailing themThe agency has a strict hour time frame to contact someone back if they do contact their office.The insured did reach out to the agency on December 26, 2017, while the agent was out of the office and was told by a co-worker they would review this cancellation with ERIE and contact him backThe agent called Mr*** on December 27, which was after the cancellation dateShe informed the insured that ERIE could not reinstate the policy and she would be able to place him with another carrierThe agent did confirm when she spoke with the insured that she had the correct telephone number and email address as she had not received anything from him.The policy will remain cancelled effective December 26, and the insured owes an Earned Premium balance of $269.50.Based on the informationprovided, we ask that you support the Cancellation for Non-Payment of Premium effective December 26, If you have any additional questions, please contact me at *** ***.Sincerely,Nicholas K***Executive Resolution Examiner IOffice of the President

Thank you for> our letter dated January 2016, received in our office on January 27, You request ERIEreview and respond to MsR***’s concerns disputing the correct refund amount credited to her policy.In review of our tileMsR*** elected a pay plan which afforded a
discount if the annual premium ispaid in full prior to the effective date of her policyWhen we did not receive full payment by the effective dateof her po’ic> ~e re~ ised her pa> plan to qti~rterly inclallmentc and removed the associated pay plan dictount.Because ERIE processed this change on December 2014, the same date we received payment from Ms.R***, we agree to waive the associatcd fees and refund the additional amount due to her.Our office called and left a voicemail message to MsR*** on January 27, 2016, requesting a call backto better explain our decision to refund the revised refund amountWe have yet to hear back from Ms.R*** but stand ready to assist with any additional questions she may have.We appreciate you bringing this matter to our attention for further reviewlf you have any further questionsplease do not hesitate to call me directly at *** *** ***Sincerely,Stephen ** *** Sr., ACS, AINS, AISAUExecutive Assistant IIOffice of the President

This is in response to your letter of June 2, 2016, which we received on that same dayWe also received a letterfrom Mrs*** on June 2, 2016, expressing her concerns that whenever Erie Insurance attempts to debit theirbank account to collect their insurance premium payments, it continues to be
returned as “ non-sufficient funds” .Upon receipt of both correspondences, our Billing Supervisor contacted ** *** and spoke with theirrepresentative, ***He explained that the *** had placed a '‘stop pay” on their bank account not to allowany payments to draft from their account for Erie InsuranceThe ** *** representative agreed to lift the stoppayment code, which will now allow Erie Insurance to collect the payments from the ***They were alsogoing to be calling Mrand Mrs*** to confirm this information.*** from ** *** will reach out to Mrand Mrs*** and advise that the situation has been resolved andERIE should no longer receive “ non-sufficient fund” returns from their bank.Based on the information provided, we believe the complaint which has been registered with your office is nowresolvedIf you have any further questions, please contact me at *** ***

Mr***s complaint concerns the addition of his son, *** ** ***to his Personal Automobile InsurancePolicy, the addition of Mr***s son to the policy significantly increased the premiumMr*** contacted ouroffice and provided ERIE with a letter from *** confirming that ***
*** was listed as a driver on hismother’s policyThereforeERIE agreed to remove the addition of his son***, effective the date he wasadded to the policy on Auijust 3,He was added to the policy effective September 23, as he was nolonger covered under the *** policy, and was covered under the ERIE policyERIE issued a Notice of Cancellation for the policy because *** ***’s driver’s license was suspendedeffective November 24, Subsequent to the cancellation notice, which was issued by ERIEthe insuredrequested that his policy with ERIE be cancelled effective February 2,2016.Enclosed is a copy of the letter sent to Mr*** on January 26, advising him that his son would be removedfrom the policy effective August 19, to September (when he had coverage under his mother’s*** policy) and the premium adjusted accordingly.If we can provide your office with additional information or clarify any item, please do not hesitate to contact meat ###-###-####.Sincerely,Karen *** M***CPCUAIMAINS AIS, CPIWSenior Executive AssistantOffice of the PresidentKAM :j srEnclosure:

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I reached out back to Erie Insurance Adjuster, Supervisor and he said they will cover portion of the damage, so I asked for reference contractor companies to provide an estimate on the damage repair and restoration to its original condition.After Erie provided few restoration companies, of them were at my house for estimates last weekof the contractors pulled himself out of the bid due to his conversation with the insurance company and I was told, he will wait until the Insurance and I work things out before he moves forward with an estimate.2nd contractor advised me over the phone, "he is Fighting with the insurance for the proper coverage" while I still don't have an estimate on cost of the job to match the tile.3rd contractor is also working back and forth on the estimate, "working with the insurance company."My guess is that the insurance company is "guiding" the contractors on what to write or not to write in their estimate (hence contractor pulled out, another not returning my calls).Yesterday I checked with the local tile store about matching or buying more of the same Tile (Natural Stone) to match the shower floor and portion of the wall that will be taken out for the repair and was told they do not stock that tile any more and given its a Natural Stone, they will never be able to match it to its original condition.This shower was built about years ago, using an imported Natural Stone, used a designer to match the tile sizes and finishes across the room.when I called the Adjuster Supervisor about that "Guidance" he said he will call those companies to provide me those estimatesAs of Today, days after the contractors were at my house, I still do not have an estimate from the General contractors, suggested by Erie Insurance(including another contracting company I reached out directly)I also asked the supervisor to come in person to look at the shower, given its design and natural stone layout.This is already going on for few good weeks, which caused us to not use the shower or start repairing it and our guest bedroom underneath has an open ceiling and can not be used
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I reached out back to Erie Insurance Adjuster, Supervisor and he said they will cover portion of the damage, so I asked for reference contractor companies to provide an estimate on the damage repair and restoration to its original condition.After Erie provided few restoration companies, of them were at my house for estimates last weekof the contractors pulled himself out of the bid due to his conversation with the insurance company and I was told, he will wait until the Insurance and I work things out before he moves forward with an estimate.2nd contractor advised me over the phone, "he is Fighting with the insurance for the proper coverage" while I still don't have an estimate on cost of the job to match the tile.3rd contractor is also working back and forth on the estimate, "working with the insurance company."My guess is that the insurance company is "guiding" the contractors on what to write or not to write in their estimate (hence contractor pulled out, another not returning my calls).Yesterday I checked with the local tile store about matching or buying more of the same Tile (Natural Stone) to match the shower floor and portion of the wall that will be taken out for the repair and was told they do not stock that tile any more and given its a Natural Stone, they will never be able to match it to its original condition.This shower was built about years ago, using an imported Natural Stone, used a designer to match the tile sizes and finishes across the room.when I called the Adjuster Supervisor about that "Guidance" he said he will call those companies to provide me those estimatesAs of Today, days after the contractors were at my house, I still do not have an estimate from the General contractors, suggested by Erie Insurance(including another contracting company I reached out directly)I also asked the supervisor to come in person to look at the shower, given its design and natural stone layout.This is already going on for few good weeks, which caused us to not use the shower or start repairing it and our guest bedroom underneath has an open ceiling and can not be used
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I should NOT have to supply documentation on my home owners insurance when I NEVER SIGNED UP FOR HOME OWNERS INSURANCE WITH ERIE TO BEGIN WITH! That’s the whole issue!! They are billing me for a service that I didn’t even sign up for! At the time of being with Erie I didn’t even own a home or rent for that matter! It should be unlawful for companies like this to bill customers for services they never signed up for to begin with and then hound them constantly for money that the company doesn’t deserve to begin with! Erie will not be getting a dime from me or making me jump through any hoops for there scams!
Regards,
*** *** (***)

Thank you for> our letter dated January 2016, received in our office on January 27, You request ERIEreview and respond to MsR***’s concerns disputing the correct refund amount credited to her policy.In review of our tileMsR*** elected a pay plan which afforded a
discount if the annual premium ispaid in full prior to the effective date of her policyWhen we did not receive full payment by the effective dateof her po’ic> ~e re~ ised her pa> plan to qti~rterly inclallmentc and removed the associated pay plan dictount.Because ERIE processed this change on December 2014, the same date we received payment from Ms.R***, we agree to waive the associatcd fees and refund the additional amount due to her.Our office called and left a voicemail message to MsR*** on January 27, 2016, requesting a call backto better explain our decision to refund the revised refund amountWe have yet to hear back from Ms.R*** but stand ready to assist with any additional questions she may have.We appreciate you bringing this matter to our attention for further reviewlf you have any further questionsplease do not hesitate to call me directly at *** *** ***Sincerely,Stephen ** *** Sr., ACS, AINS, AISAUExecutive Assistant IIOffice of the President