Kemptons Quality Pools & Spas

Dear Ms***:Thank you for your letter dated January 23, 2018, received in our office that same dateIn follow up of our two (2) prior responses to your office, Ms*** is now stating that she never signed up for a tenant insurance policy with ERIE.Our records confirm that the insured bound coverage effective the policy inception date of September 14, ERIE maintains on file a copy of the signed application of insuranceMs*** signed the application on September 13, Ms*** selected the account billing option, and has made all premium payments for each renewing policy with the last payment sent to ERIE on February 16, 2017.ERIE stands by our current decision to cancel the above-captioned policy effective November 19, 2017, for non-payment of premiumERIE maintains the insured at no time provided ERIE Agent advanced written request to cancel the above captioned policyAny earned premium owed will remain dueBelow you will find the policy condition applicable to the insured’s concerns:(2) CANCELLATION Your Right to CancelYou may cancel this policy by mailing or delivering to our Agent or us written notice stating at what future date you want the cancellation to take effectWe may waive these requirements by confirming the date of cancellation to you in writing.We believe we have provided the information to assist with your investigation into the insured’s concernsIf you require additional information clarity, please contact our office at ***, extension ***.Sincerely, Stephen ** R*** Sr., ACS, AINS, AIS, AU, CICSenior Executive Resolution Examiner Office of the President

This is to confirm receipt of your letter dated April 7, 2017, received in our office that same dateYou requestERIE review and respond to Mrs***’ concerns regarding the handling of her claim occurring March 25, 7.In review of our file, a claim occurred on March 25, 7, when our
insured, while operating her automobile,struck a deer causing damageMrs*** expresses concern she has not heard from ERIE in three (3) weeksregarding payment for repairs to her vehicle and rental coverage until her vehicle can be repaired.Upon receipt of your letter to our office, we confirmed that the insured selected her own repair facility in lieu ofan ERIE direct repair facilityERIE inspected the insured's vehicle at her place of employment on March 30,7, and provided copies of the estimate to both the insured and the insured’s auto repair facilityERIE spoke tothe insured on April 7, and advised the repair facility caused delays regarding required paperwork andawaiting delivery of parts that were outside of both ERIE ’S and the repair facility’s controlERIE again spoke tothe insured on April 1, to advise the insured her auto repair facility continued to wait on parts and that acheck would be overnighted to her once the repair vendor was approvedERIE confirmed approval of the vendorand issued payment to the insured on April 17, ERIE also confirmed on that same date that the auto repairfacility continues to wait on the bumper for the insured’s vehicle, and that ERIE is in agreement to extend avehicle rental as needed.Thank you for providing ERIE the opportunity to review the claimant’s concerns and provide additional supportto our insuredIf you have any additional questions or concerns, please contact our office at ###-###-####.Office of the President

Dear Ms***:Thank you for your letter dated January 18, and received in our office January 18, You request ERIE to review and respond to the insured’s concerns regarding her estimated replacement coverage on her ErieSecure Home Policy.According to our file information Ms***’s
was first written effective February 11, with the *** *** * *** *** agencyThe policy was written with an estimated replacement cost of $267,On January 18, 2017, Hometown Insurance and Real Estate Agency reduced the estimated replacement coverage to $205,This resulted in a $reduction in premium for the to term and $for the entire - term.Effective June 1, 2017, Ms***s requested that her policy be transferred to the *** *** AgencyBoth agents agreed to the transfer and Erie processed the changeDuring the new agent’s review with Ms***s, she questioned why the estimated replacement cost had been reduced to $205,from $267,During this review the agent spent approximately hours going over all of her property’s coverages.In an effort to determine why the estimated replacement cost was reduced we reached out to Ms***’s former agent, *** *** * *** ***, to discuss the application and changes that took place on the policyThe agency principal advised that the agent who wrote this policy no longer works for that agency and cannot confirm what took place and advised there is no written documentation of the changes requested or performed.As far as current policy with *** *** Agency, we have spoken with agency principal and discussed what has taken place since he has took over this policyWe agreed that the agency will perform a New Home Cost Estimator and amend the estimated replacement cost for the insuredI have obtained the new Home Cost Estimator from the agency *** *** AgencyThe new Home Cost Estimator lists $242,The agency will speak with the insured only by via e-mail to confirm if and any changes need to be done.As of Thursday, January 18, 2018, the agency has e-mailed Ms***s regarding the coverage amount and what she would like to do with her replacement costAs of January 19, 2018, the agency is still awaiting her response.The type of policy that Ms***s has is a guaranteed replacement cost policyThe estimated replacement cost is based on the Home Cost Estimator as what it would cost to rebuild the homeThe estimator cost is listed on the policy, but that is not the amount that is guaranteedThe guaranteed amount would be based upon what the replacement cost is.Based on the inflation guard which is outlined in her policy, the estimated replacement guard will slightly increase annuallyIf Ms***s prefers to go higher she would need to review that with her agent and need to be confirmed in writing.If you have any further questions, please contact me at *** ***.Sincerely,Nicholas K*** Executive Resolution ExaminerOffice of the President?

December 8, 2016Re: ERIE Insured: *** *** ***E R IE Homeowners Policv #***Claim #0***Date of Loss: 'November , 2016B B B ID #***Dear Mr***Thank you for your letter dated December 2016, received in our office on December 6, You request E R IE reviewand
respond to the Policyholder complaint regarding the handling of their claim.In review of our claim file, the following chain of events occurred:• The insureds reported to E R IE on November 2016, that they sustained water damage to the ceiling area of thehome located directly below an upstairs bathroom.• ER IE 'S Adjuster conducted an investigation and determined the cause of loss to be repeated seepage of water from ashower located in the insured’s upstairs bathroomThe adjuster determined that the shower leakage caused damageto the drywall located on the ceiling located directly below the bathroom showerER IE 'S Adjuster provided Mr.*** with information regarding possible denial of coverage due to the applicable policy exclusion as follows:kAccidental Discharge Or Overflow Of Water O r Steam2) This peril does not include loss:(a) To the system or appliance from which the water or steam escaped;(d) Caused by:(i) Constant or repeated discharge, seepage or leakage of water; or( ii) The presence or condensation of humidity, moisture or vapor;over a period of weeks, months or years.ERIE further advised Mr*** that although the resulting drywall damage would qualify for coverage, theestimated cost of repairs would be less than the applicable policy deductible.ERIE has since consulted with an engineering firm and await their final report to confirm the cause of lossERIE continuesto service this claim on behalf of the insured and will contact Mr*** to discuss the final results of our investigation.We believe we have provided the information necessary to assist with your reviewI f we can provide additional informationor clarity, please contact our office at ###-###-####.Sincerely,Stephen *R*** **., ACS, AIMS, AIS, AU, CICExecutive Assistant IIOffice of the PresidentSR:** *** *** *** *** *** *** *** *** *** *** *** *** *** ** * *** *** *** *** ***
***

Revdex.com:Thank you for your reply! I am still not understanding how we did not receive any invoices prior to sending to a debt collection agencyWhen the declaration page was sent over to us, we were informed that it was an update to the policy and not an actual billWe did not pay the debt agency, we went through ***'s insurance to pay***'s insurance also looked up our account and saw we had a zero balanceIm not negating the $that was owed, Im negating your collection practices
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.?
Regards,
*** ***

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

This letter is in response to your correspondencedated and received on July 14, 2017, regarding a complaint madeby ***? ***The accident occurred on June When our insured, *** ***, pulled froma stop sign on Oliver Road in EriePA and collided with tie
complainant, *** ***.We contacted Ms*** on June and she chose *** *** to complete her vehicle repairs.*** *** estimated the length of repair time to be days and we arranged an *** rental car for her onJune 20,for daysMs***’s vehicle repair was completed on June 30,However she kept therental vehicle until July *** *** advised us that they had left several phone messages for Ms.*** with no response and they sent her an email on informing her that her vehicle repair was completeon and she needed to pick up the vehicleWe were notified on by *** that Ms*** askedfor a rental extension but we declined it because the vehicle repair had been completed on 17.The rental guidelines were explained to Ms*** on June and she was sent several messages from thebody shop by phone and email advising her that the vehicle repair was complete without a responseDue to theholiday week, we did contact Ms*** and agreed to cover an extra three days rentalHowever, we believe thatshe is responsible for the remaining balance of the bill as she did not adhere to the rental car guidelines as they wereexplained to her.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at###-###-####.Sincerely.Karen * M***, CPCU, AIM, AINS, AIS, CPIWSenior Executive AssistantOffice of the President

This is to confirm receipt of your letter dated January received in our office that same dateYou requestERIE review and respond to the insured’s concerns regarding the hand ling of her claim occurring December 9.2016.In review of our file, a claim occurred on December 7, when the
insured automobile’s radio began smoking.ERIE investigated the claim and discussed this mechanical failure with the BMW dealership.The dealershipconfirmed this was a mechanical failure of the component only and additional damage caused by the radio.ERIE mailed a letter to the insured on December 2016, denying coverage based on the policy conclusion formechanical failureErie spoke to the insured on January 6,2017, regarding diagnostic charles to check for awater leak for her VehicleERIE informed this is a regular maintenance procedure that would not be coveredunder the policyErie spoke to the insured again on January 20)upset that we would not he pay no for thediagnostic feeERIE advised the insured that we are willing to make a good faith offer to pay for dianostics asthe insured claimed she was unclear as to what wespecifically authorizedBased on the review of ? this fileWebelieve we have satisfied the insured to this point in the handling of her claim.Thank you for providing ERIE the opportunity to review and respond to the claimant’s concernsIf we canprovide any additional information or clarity, please contact our office at ###-###-####.Sincerely? Stephen ** R*** **ACSAINS, AISAUCICExecutive Assistant IIOffice of the President

This is in response to your letter dated May which we received on the same date.ERIE has thorough reviewed the matter of the rental coverage expense for the claimants, *** and ***Given the fact that the delays for the rental were based on scheduling, as well as other repairs
notinitially discovered, we have agreed to issue the remainder of the rental payment to the claimantsA check in theamount of $has been issued dated Ma) 16, 2017.We believe this resolves this matterIf further information is needed, you may contact me at ###-###-####,extension ***.Sincerely,Denise H***, API AIS, AINS, CPIWExecutive Assistant IIOffice of the President

This is in response to your letter dated June 20, 2017, which we received on the same date.According to our information, this Automobile Policy renewed effective December 17, The yearlypremium was $and the customer selected the pay in full option in which the entire premium is paid on
orbefore the effective date of the renewalNo payment was received; therefore, the payment plan reverted to PlanD, in which the yearly premium is divided into four quarterly installments, adding a $service charge to thefinal three paymentsA new invoice was sent dated January 27, requesting $A second invoice wasmailed February 24, requesting $be paid as the December and March installments were now dueNopayment was received, therefore a Notice of Cancellation issued March 23, indicating the policy wouldcancel for nonpayment of premium effective April 24, unless $was paid by that dateNo paymentwas received, therefore the policy canceled as indicated in the noticeA final Notice of Policy Balance wasmailed to the customer dated May 31, indicating that an earned premium balance of $remains due forthe time coverage was in effect from December 17, to April 24, All Notices were mailed to the lastknown address for the customer, [redacted].It is extremely regrettable that the customer is now deceased and that the policy has cancelled, however, given theinformation above, it appears that the cancellation was proper and in keeping with our proceduresCoverage wasin full effect on the vehicle until the cancellation date of April 24, No payment was made for the fourmonths of that coverage, therefore no adjustment can be made to the payment that is due.Thank you for the opportunity to respond to this inquiryIf further information is needed, you may contact me at###-###-####.Sincerely,Denise H[redacted], API AIS, AINS, CPIWExecutive Assistant IIOffice of the President

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:

Thank you for your letter dated March I, 2017, received in our office that same dateYou request ERIE respond toMr*** concerns that we denied coverage for a claim that occurred four (4) days after his policy cancelled fornon-payment of premium.In review ofour file, ERIE mailed a Cancellation
Notice to Mr*** on December 19, 2016, advising his policywould cancel for non-payment of premium effective January 20, The letter further stated that if payment werereceived before such date the policy would be reinstatedWhen payment was not receivedERIE mailed a FinalStatement of Policy Balance to Mr*** on February 9,2017, notifying him the policy cancelled effective January20, 2017.Because ERIE provided proper notification in advance of the policy cancellation and the accident, we properlydenied coverage for this claim.We believe this information should be sufficient in assisting you close your fileIfyou have any additional questionsor require clarification, please contact me directly at ###-###-####, extension ***.Sincerely,Stephen *R*** Sr., ACS, AINS, AIS, AU, CICExecutive Support DepartmentOffice of the President

Thank you for your letter dated October 3, 2017, received in our office on October 4, You request ERIE review and respond to the insured’s concerns regarding cancellation of the above-captioned policies.Upon receipt of your letter to our office, we contacted the insured’s representing ERIE
Agent who confirmed at no time did Mr[redacted] provide a request to cancel the above-captioned policies in writing prior to the date of cancellation or non-renewalPlease see the policy language below applicable to the need for documented request to cancel.CANCELLATION AND NONRENEWAL Your Right To Cancel “You” may cancel this policy by mailing or delivering to “our” Agent or “us” written notice stating at what future date “you” want the cancellation to take effect“We” may waive these requirements by confirming the date of cancellation to “you” in writing.When the agent learned the insured obtained replacement coverage with another insurance carrier, they requested Mr[redacted] provide front page copies of the current carrier’s declaration pages to ERIE for our review in consideration of backdate cancelling the policies in questionMr[redacted] has not provided verification of any other insurance coverage to this point.Mr[redacted] states in is letter that he requested the policies be cancelled and his address be changedERIE confirms at no time have we received any such request.In order to best service the concerns of Mr[redacted], we would encourage him to provide either his Agent of ERIE with an updated address change and front page copies of his declarations to we can confirm continuous coverage and send future mailings to the proper mailing addressWe also request ERIE’s Agent send a letter to Mr[redacted] requesting this same information in order to best assist his request to cancel to any specific date he is requesting.We appreciate the opportunity to address the insured’s concernIf we can be of any further assistance, please contact our office at [redacted], extension [redacted].Sincerely,Stephen *R[redacted] Executive Assistant IIOffice 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 [redacted] 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[redacted] 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 [redacted].If we can provide your office with additional information or claim any item, please do not hesitate to contact me at [redacted].Karen [redacted] M[redacted], CPCU, AIMAINS, AIS, CPIWSenior Executive AssistantOffice of the President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.?
Regards,
*** ***

This is to confirm receipt of your letter dated June 7.2016, received in our office that same dayYou requestERIE review and respond to the insured's concerns regarding the handling of their claim occuring April 23.In review of our file, the following chain of events occurred:A claim occurred on
April 23,2016, then another vehicle made contact with our insured's vehiclecausing damageERIEs claim investigation determined the other driver to be a fault and liable for ourinsured’s damagesBecause the otherat??"fault driver held insufficientproperty damage liability limitsunder their own insurance policy, the insured made a claim under the ERIE policyOur insured's expressed concern stating they believed that ERIE’s Material Damage Adjuster provided alow estimate for repairs and lied about canceling the settlement checkERIE spoke to Mr*** onMn’ regarding his concerns regarding agreed to reevaluate vehicle damages.Upon further investigation, the auto repair facility discovered addtional damages where ERIEdetermined the vehicle to be a total loss.• Mr*** currently disputes the valuation of Ins vehicle and the decision to determine his vehicle tobe a total lossERIE’s Adjuster has left telephone voicemail messages for Mr*** through earlyJune and most recently on June 7,ERIE has not received a response from Mr*** to thispoint.• ERIE stands ready to service this claim for Mr***lfthe insured is able to provide additionalqualified estimates in supporting his position on valuation, we would request he present those estimatestor further consideration.While it is never a pleasure to receive a letter from a policyholder expressing their dissatisfaction with thehandling of any claim, we have a duty to all of our policy holders to only pay for damages that are covered underthe insurance policy.We appreciate you providing ERIE the opportunity to review and respond to Mr***s concerns andprovide additional support to our insuredIf you have any additional questions or concerns, please contact ouroffice at ***Sincerely,Executive Assistant IIOffice of the President

Dear Ms***:Thank you for your letter dated January 16, 2018, received in our office on January 17, You request ERIE review and respond to the insured’s concerns cancellation of her homeowner’s insurance policy as she obtained replacement coverage with another insurance carrier.ERIE stands by our current decision to cancel the above-captioned policy effective November 19, 2017, for non-payment of premiumERIE maintains the insured at no time provided ERIE Agent advanced written request to cancel the above captioned policyBelow you will find the policy condition applicable to the insured’s concerns:(2) CANCELLATION Your Right to CancelYou may cancel this policy by mailing or delivering to our Agent or us written notice stating at what future date you want the cancellation to take effectWe may waive these requirements by confirming the date of cancellation to you in writing.As stated in our prior letter to your office, ERIE may consider backdating the cancellation of this policy in the event Ms*** is able to provide proof of replacement coverage from another insurance carrier.We believe we have provided the information to assist with your investigation into the insured’s concernsIf you require additional information clarity, please contact our office at ***, extension ***.Sincerely,Stephen *R*** Sr., ACS, AINS, AIS, AU, CICSenior Executive Resolution ExaminerOffice of the President

This is in response to your letter of June 15, 2018, which we received on June 18, 2018, regarding the debt collection invoice that Mrand Mrs*** received due to adding coverage for the Cadillac ATS.We understand and apologize for the confusion regarding the debt collection and the
remaining premium balanceI have listed below a timeline that led to the request of the $from the debt collection agency.1)On April 30, 2017, ERIE renewed Mrand Mrs***s Policy which provided coverage for the Honda Accord EX and the Cadillac SRX Luxury.2)On March 20, 2018, Mrs*** called and advised ERIE to cancel their auto policy effective April 30, ERIE began to process this request.3)On April 12, 2018, ERIE sent a Final Statement of Policy Balance advising Mrand Mrs*** that the policy will terminate effective April 30, 2018, and that they had a $balance due.4)On April 13, 2018, Mrs*** advised ERIE that she had purchased a Cadillac ATS and requested coverage for the vehicle from April 13, until the policy cancellation date of April 30, 2018.5)On April 16, 2018, ERIE mailed out a New Auto Policy Declarations page showing the addition of the Cadillac ATSWithin the Declaration page it states “premium change as a result of this amendment: $71.00”Please see the enclosed Declarations page.6)On April 30, 2018, the policy terminated.Because the policy was cancelled effective April 30, 2018, ERIE did not invoice for the $ERIE sent this amount to the collections agency in order to recuperate this amount from Mrand Mr***Because they paid this amount back to the collections agency, the collection account is now closed and this will not be reported to the credit bureau.If we can provide additional information or clarify any item, please do not hesitate to contact me at ###-###-####.Sincerely,Becca S*Executive Resolution ExaminerOffice of the PresidentEnclosures:1) Amended Declarations Page

Dear Ms***This letter is in response to your correspondence dated November 14, 2017, and received in our office on November 14, 2017, regarding Mr***’s complaint related to an accident occurring October 1, 2017.This accident in which *** *** was involved took place on October 1,
at the intersection of Lober Street and Washington Lane in Philadelphia, PAThe claim was received by ERIE on October 10, and assigned to Liability Adjuster Shannah B*** and Liability Supervisor Kimberly H***ERIE Policyholder *** *** reported the loss and provided information that indicated *** *** ran a red traffic light causing this motor vehicle accident.On October 11, 2017, a letter of representation was received from attorney *** *** stating that he was representing Mr*** *** in reference to this claim.ERIE obtained a statement from our Policyholder Mr*** on October 11, Mr*** advised in his recorded statement that while stopped at the intersection of Washington and Lober, Mr*** was attempting to proceed through the intersection while the traffic signal was redAs a result of running the red light, Mr*** struck Mr***’s vehicle which was at a complete stop.On October ^ 2017, the attorney for Mr*** had called and requesting status of the investigationHe was advised that the investigation was pending and that the police report was needed to finalize the investigationThe attorney had stated that he would also request a copy of the police report and, once obtained, get back in touch with ERIE.A woman named *** called ERIE on October 27, and left a voice mail for the Liability Supervisor Kim H*** advising that she was a witness to the accident and wanted to provide a statementKim H*** sent a note to the handling adjuster Shannah B*** to contact the witnessShannah B*** attempted to call *** and a message was left.The attorney for Mr*** provided a copy of the police report on November 16, The police report was filed the following day after the accident by Mr*** onlyThere is no information listed for Mr***There was no version provided to the police to reflect Mr***’s version of the accidentThe report notes a witness named ***, but provides no last name or address.The current status of the liability investigation is pendingMr*** is claiming that Mr*** ran a red light and struck his stopped vehicleMr*** provided a statement to the police that Mr*** turned into his vehicleThe police report was filed by Mr*** onlyThe witness is listed as *** only, and no statement has been obtained to dateFurthermore, this witness information was provided by Mr*** only and not in the presence of the policeBased on the information available to date, there is no clear indication as to which party is at fault for this loss.As a result, the investigation continues with attempts to reach the witness for a statement and determine her credibilityIf the witness cannot be reached, a final decision will be made based on the information obtained to date.If we can provide your office with additional information or clarify any item, please do not hesitate to contact me at ***.Sincerely,Karen A** ***, CPCU, AIM, AINS, AIS, CPIW Executive Resolution Consultant Office of the President** *** *** *** *** *** ** *** *** *** *** *** ** *** *** ** * *** *** ***

This is in response to your letter dated August 7, 2015, which we received on the same date.The above policy is a Personal Automobile Policy issued to Ian ***Mr*** had selected to make his paymentsthrough our electronic funds transfer option, in which 1/12thof the premium is deducted
electronically from thecustomer’s bank account each month, for the months of the policy termMr***’s payments are withdrawnon the 12th of each monthIn July, Mr*** made an electronic payment online on July 8, 2015, which wereceived on the 10thWe are enclosing a copy of a draft notice, which clearly states that three business days areneeded in order to stop or change a withdrawal under this payment planJuly 8, was a Wednesday, andJuly 12, was a Sunday; therefore, there were not three business days as required in order to stop the draft.Mr*** would have had to notify ERIE of his intention to stop the automatic draft.The payment was drafted, as it had already been electronically sent to the bankAccording to the customer, thisresulted in their account being overdrawnHe was charged a $nonsufficient funds fee from ERIE when thepayment was returned, as well as incurring a charge from their own bankERIE agreed to credit Mr***’s policy$for the insufficient funds fee imposed by us, given the fact he did make the manual payment for July andwe agree to make a one time exceptionHowever, the customer is asking us to reimburse the fee he was chargedby his bank, and we have declined to do soThe customer had been informed on the invoice of the three businessdays requirement to stop a bank withdraw; therefore, we don’t believe the responsibility for this error belongs toERIEAs such, we can only credit our own fee, but we can’t be responsible for the fee the bank imposed whenMr***’s account was overdrawn