Major Branzel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
My name is *** ***I’m writing this letter regarding case number ***After reading the response of the Tower National insurance company, it became more obvious of their negligence and their mistakes and their ways of trying to compensate their loss through customersThey continued my terminated policy on their own without my consentThey also stated “the policy could not be cancelled flat unless the customer could show proof that there was replacement insurance coverage from another company as of 5/**/2014”There is no such a law forcing that in the state of New JerseyAs long as the mortgage has been paid off and my mortgage was paid off in December 2013, I could easily cancel my home insurance and in this case my policy should’ve been terminated the latest 5/**/since it was already paid up until thenBut they mixed up on another customers check and apply it to my cancelled account and continue my policy without even giving me a call this whole time and then realizing their mistake and trying to compensate and disguise their unprofessionalism by trying to collect more moneyAt this point I could agree to pay the $they sent because that is another poor customer’s money but I am not settling for the remaining $because they continued this policy without my consentSince I never made any payments like they stated, this policy should’ve been terminated way before 11/**/They also ruined my credit for their mistakeThey need to make sure this gets removed from my credit history as if I made no paymentsThere shouldn’t have been an account still open to even consider making payments forThis company is extremely unprofessional, unreliable and completely careless towards consumersThey only aim to collect moneyThey have no justice in their policy mottoI want his case to reopenThank you.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Please accept the following as our response to the captioned complaint
A review of our Customer Service telephone logs reveal the following:
6/**/- We received a telephone call from *** Mortgage inquiring about the status of this policy. *** was informed that they
were not listed as the mortgagee and were given the agent's telephone number to initiate this process
6/**/- We received a request to add *** Mortgage Services LLC to this policy as the mortgagee
6/**/- We received a telephone call from *** Mortgage requesting the status. We advised *** that the endorsement to add them as the mortgagee will be processed within to business days
6/**/- We issued the endorsement naming *** Mortgage as the mortgagee
7/*/- We received a telephone call from the policyholder requesting to cancel this policy. We advised the policyholder to contact her agent to initiate this action
7/**/- We received a telephone call from the policyholder, checking on the cancellation. Since we have received nothing from the agent requesting cancellation, the policy was still in effect. The policyholder was advised to email us a request to cancel this policy along with a copy of the Declaration Page from the new insurance company
It must be understood that, to prevent fraudulent policy cancellations, we do not process these transactions over the phone but require a document
A review of the underwriting file reveals that we have not received anything from the policyholder or the agent on this and coverage is still in force
We therefore ask that one of the following be taken to resolve this issue:
That the policyholder email our Service Center at *** requesting that cancel policy *** and attach a copy of the Declaration Page from the new insurance company
That the policyholder telephone the agent of record, Demetriou General Agency at *** *** *** to request cancellation
That the policyholder telephone the broker on this account, *** ***, at *** *** *** to request cancellation
Do not hesitate to contact me if I can be of further assistance in this matter
Sincerely,
Jerry T***, Underwriting Manager
National General Insurance Companies