MAACO Auto Painting (Previous Owner)

Initial Business Response /* (1000, 5, 2015/06/26) */
RE: Your Complaint # XXXXXXXX:
Consumer: [redacted] L [redacted]
To Whom It May Concern:
In accordance with our Privacy Pledge as well as HIPAA (Health Insurance Portability and Accountability Act) regulations, it is our goal to protect all...

confidential policyholder information, specifically regarding claims, while continuing to provide high quality service to our customers.
As the disclosure of Ms. [redacted]'s claim information is strictly prohibited, we are unable to provide any further information to you at this time. However, be assured that we have mailed correspondence directly to Ms. [redacted] addressing the concerns expressed in her inquiry to you. She should receive our letter within the next 10 business days.
If you have any questions, or if we may be of further assistance, please do not hesitate to contact us.
Sincerely,
[redacted] L. [redacted]
Senior Coordinator
[redacted] Insurance Company of America
Consumer Service Investigations
(direct line) X-XXX-XXX-XXXX
(toll free) X-XXX-XXX-XXXX Ext. XXXXX
(fax) X-XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I am still disappointed that they did not honor what the salesman promised. I understand I will not receive the monetary amount. I want it on record though that the salesperson lied and everyone must read every single word on the contract right away to find what was lied about and what is true.

Initial Business Response /* (1000, 5, 2015/08/21) */
August 21, 2015
Revdex.com
330 N WABASH AVE STE 3120
CHICAGO IL XXXXX-XXXX
RE: YOUR CASE #: [redacted]
CONSUMER: [redacted]

Dear Sir/Madam:
Thank you for your correspondence, referenced above.
Please...

be advised that we have contacted Ms. [redacted] directly and provided a written response, addressing the concerns expressed in her inquiry to your office. Due to HIPAA (Health Insurance Portability and Accountability Act), it is our goal to protect all confidential [redacted] health information, specifically regarding claims. As such, we are unable to provide additional information to you at this time.
Should you have any questions, or if we may be of further assistance, please let us know.
Sincerely,
[redacted]
[redacted] Insurance Company of America
Consumer Service Investigations
Direct:(XXX)XXX-XXXX
Toll Free:XXX)XXX-XXXX/Ext XXXXX
FAX:(XXX)XXX-XXXX
Case #XXXXXXX

Initial Consumer Rebuttal /* (3000, 7, 2015/08/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Not all of it has been paid out yet. As soon as Revdex.com report then they started process of claims not all claims have been paid out and then we have a disagreement that my claims have to do with a elective surgery that does not pay which is correct but I then followed up with a sickness and they are stating they don't need to pay this as it was from a elective my sickness is stated from doctor as doctors note show this is still a sickness and it needs to be paid out on policy since I carry a sickness policy I understand they will not pay for the elective surgery but that has no effect on the after effects. They paid on some of them as if they were paying out on a policy that should not be paid out on but they were doing it on there kindness, that does not work in the real world. also there is a dispute on the amount that needs to be paid . They paid out on a minor then a major my procedure was a major not a minor it was done in a ambulatory settings you don't do a procedure like I had in a doctors office where there is Novocain and a surgical needle injected in body to drain fluid. so we still have the difference on this situation and I also don't feel I'm being treated as any other customer as They state I need to be with certain people as I'm a employee of theirs which 2 years that was not the issue at all I was able to call speak with call center and get info on claim now I'm not allowed As employee of company I have to have it handled different if this was the case why was this not in my employee contract and why 2 years go by and its now different this is discrimination and I pay for my policies as any other client. I want fairness and claims be paid out as policy shows
Final Business Response /* (4000, 9, 2015/08/28) */
August 28, 2015
Revdex.com
330 N WABASH AVE STE 3120
CHICAGO IL XXXXX-XXXX
RE: YOUR CASE #: XXXXXXXX
CONSUMER: [redacted]
Dear Sir/Madam:
Thank you for your follow up correspondence regarding the additional information you received from Ms. [redacted] on August 21, 2015.
Our Claims department has further reviewed Ms. [redacted]'s additional inquiry and concerns, and mailed an explanation letter today. We have asked Ms. [redacted] to contact the adjustor directly if she should have any further questions.
If we may be of further assistance, please let us know.
Sincerely,
[redacted]
[redacted] Insurance Company of America
Consumer Service Investigations
Direct: (XXX)XXX-XXXX
Toll Free: XXX XXX-XXXX/Ext XXXXX
FAX: (XXX) XXX-XXXX
Case#XXXXXXX/XXXXXXX

Complaint: 11615606
I am rejecting this response because: They still refuse to accept responsibility for there agents mistake. Shouldn't the agents E and O insurance cover her mistake? Isn't they why they carry it, for this exact reason? 
Sincerely,
Devin [redacted]

October 20, 2015
Revdex.com
330 N. Wabash Avenue, Suite 3120
Chicago, IL 60611-7621
Complaint ID#: [redacted]
Dear Revdex.com:
This letter is being written in response to your email of October 13, 2015.
While our policies have been traditionally sold in person...

by way of door-to-door sales, our home office is also reaching out to customers as well. In brief, we contact current and past customers in order to discuss new policies. However, it is not our intention to overwhelm or alienate a customer.
Based on Ms. [redacted]' report, it appears that we were rather aggressive in our approach. Please ask Ms. [redacted] to accept our apologies for any concern or inconvenience she may have experienced as a result of this situation.
In accordance with Ms. [redacted]' request, we have taken steps to discontinue all future contact with her. Specifically, we have informed sales management that all field agent contact is to be stopped and we have also flagged her former policy record to prevent telephone and mail contact with her.
While we trust that this letter satisfactorily responds to your inquiry, if you have any questions, or if I can be of further assistance, please let me know.
Sincerely,
[redacted], Senior Coordinator
Combined Insurance Company of America
Consumer Service Investigations
Direct: ([redacted]
Toll Free: ([redacted]
FAX: ([redacted]
Case #[redacted]

Dear Customer:Thank you for your recent inquiry.  You should be hearing from our Claims department shortly regarding your concern.If you should have any questions in the meantime, please contact us at 1-800-[redacted] for further assistance. Combined Insurance

In accordance with our Privacy Pledge as well as HIPAA (Health Insurance Portability and Accountability Act) regulations, it is our goal to protect all confidential policyholder information, specifically regarding claims, while continuing to provide high quality service to our customers.  ...

  As the disclosure of Mr. [redacted]’s claim information is strictly prohibited, we are unable to provide any further information to you at this time. However, be assured that we have been in contact with Mrs. [redacted] by phone and we have mailed correspondence directly to her addressing the concerns expressed in her inquiry to you.  She should receive our letter within the next 10-15 business days.   If you have any questions, or if we may be of further assistance, please do not hesitate to contact us.   Sincerely, Tamara [redacted] Senior Coordinator Combined Insurance Company of America Consumer Service Investigations (toll free) 1-800-225-4500

Initial Business Response /* (1000, 5, 2015/10/14) */
To Whom It May Concern:
In accordance with our Privacy Pledge as well as HIPAA (Health Insurance Portability and Accountability Act) regulations, it is our goal to protect all confidential [redacted] information, specifically regarding...

claims, while continuing to provide high quality service to our customers.
As the disclosure of Mr.[redacted] claim information is strictly prohibited, we are unable to provide any further information to you at this time. However, be assured that our Claim Manager has already spoken with Mr.[redacted] and Mr.[redacted] has further been contacted through the mail.
If you have any questions, or if we may be of further assistance, please do not hesitate to contact us.
Sincerely,
[redacted]
Senior Coordinator
Combined Insurance Company of America
Consumer Service Investigations
(direct line) X-XXX-XXX-XXXX
(toll free) X-XXX-XXX-XXXX Ext. XXXXX
(fax) X-XXX-XXX-XXXX

In accordance with our Privacy Pledge as well as HIPAA (Health Insurance Portability and Accountability Act) regulations, it is our goal to protect all confidential policyholder information, specifically regarding claims, while continuing to provide high quality service to our customers. As...

the disclosure of Mr. [redacted]’s policy benefits and claim information is strictly prohibited, we are unable to provide any further information to you at this time. However, be assured that wehave mailed correspondence directly to Mr. [redacted], addressing the concerns expressed in his inquiry to you.  He should receive our letter within the next 10-15 business days. If you have any questions, please do not hesitate to contact us. Sincerely, Tamara *. [redacted], Senior Coordinator Combined Insurance Company of America Consumer Service Investigations (toll free) 1-800-225-4500 (fax) 1-312-351-6910

April 10, 2018                             Revdex.com OF CHICAGO...

                                             & NORTHERN ILLINOIS INC 330 NORTH WASBASH AVENUE SUITE 3120 CHICAGO ILLINOIS 60611   RE:       YOUR CASE ID#:          [redacted]                    CONSUMER:                HAROLD L. [redacted]                                         Dear Revdex.com Customer Relations Advocate:   Thank you for your correspondence dated April 3, 2018, referenced above.   Please be advised that our Claim Department has contacted Mr. [redacted] directly by phone on April 4, 2018 and addressed the concerns expressed in his inquiry to your office. Due to HIPAA (Health Insurance Portability and Accountability Act), it is our goal to protect all confidential policyholder health information, specifically regarding claims. As such, we are unable to provide additional information to you at this time.   Should you have any questions, or if we may be of further assistance, please let us know.     Sincerely,     Maria [redacted] Combined Insurance Company of America Consumer Service Investigations Direct Phone: 312-[redacted] Fax: 312-[redacted]   /Case #[redacted]

(The consumer indicated he/she DID NOT accept the response from the business.)
No resolution was offered, and just more jargon. My response to their letter, which they alleged would satisfy the matter, did nothing more than claim they didn't have knowledge of the outstanding monies owed, and/or that the excessive information required for a standard office visit payout had not been received from the doctor (who doubtless has better things to do). Regardless....Combined Insurance continues to willfully refuse to comply with the policy language and to intentionally, and in bad faith, refuse to pay on legitimate claims. (Back [redacted])

Complaint: [redacted]
I am rejecting this response because: Their response did not solve the issue. I am withholding acceptance until I get the letter from Combined Insurance. If this correspondence is any thing like other correspondence I will either not receive a letter or it will take a month to get it. 
Sincerely,
[redacted]

Initial Business Response /* (1000, 5, 2015/08/28) */
August 28, 2015
Revdex.com
330 N. Wabash Avenue, Suite 3120
Chicago, IL XXXXX-XXXX
Re: Complaint ID #: XXXXXXXX
Consumer: [redacted]

Dear Revdex.com Customer Relations Advocate:
This letter is being provided in...

response to Ms. [redacted]'s August 19, 2015 inquiry to your office.
Prompted by your inquiry to us, we reviewed our records and learned the following.
Ms. [redacted] applied for a policy through an agent of our company on August 13, 2015. On August 19, 2015, she faxed a signed policy cancellation/refund request letter to our company. On August 25, 2015, we mailed her a full premium refund check. On that same day, we also mailed a letter to her in a separate envelope in order to acknowledge that her policy was cancelled and that a full premium refund had been processed.
Her policy is now being considered null and void from the beginning.
While we trust that this letter satisfactorily responds to your inquiry, if you have any questions, or if I can be of further assistance, please let me know.
Sincerely,
[redacted], Senior Coordinator
[redacted] Insurance Company of America
Consumer Service Investigations
Direct: (XXX) XXX-XXXX
Toll Free: (XXX) XXX-XXXX / Ext XXXXX
FAX: (XXX) XXX-XXXX
Case #XXXXXXX

October 27, 2015
Revdex.com Serving Chicago & Northern Illinois
330 N Wabash Ave Suite 3120
Chicago IL 60611-7621
[redacted]
[redacted]

To whom it may concern:
Thank you for contacting us regarding the additional correspondence you received from the consumer, in reference to your Complaint Case [redacted] listed above.
We understand that the consumer indicated that she did not accept the response from the business and there was no response received. Our Claims department confirmed that the letter was mailed to [redacted] on October 16, 2015, and we regret to hear that it was not received. Today, another letter was mailed to [redacted] explaining what information is needed in order for us to review her claim for benefits. Due to HIPAA, we are unable to forward copies of these letters to your office without a HIPAA authorization from the insured.
Should you have any questions, or if we may be of further assistance, please let us know.
Sincerely,


[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]

Please see attached document for our response.