Partners Alliance Corp

Partners Alliance CorporationP.OBOX · POWAY, CA 92074-· (858) 391-· (800) 970-· FAX (858) 513-9224August 13, 2015Ms [redacted] Revdex.com of San Diego, Orange and Imperial CountiesRe: [redacted] B ***: ID [redacted] Dear Ms [redacted] :I have reviewed the complaint by Ms [redacted] and the associated disability claim fileI appreciate theopportunity to respond to this complaint.Pursuant to the section titled Amount of Monthly Disability Benefit “The daily benefit will be equal to1/30th of the monthly disability benefit for each day of disability to be compensated”The number of daysis determined by the number of days from the date the last claim form was signed to the date the currentclaim form was signedThe company does not make monthly payments on payment due datesThe mostrecent disability payment paid for a period of May 31, through July 7, This payment totaled$485.08, which is greater than the scheduled monthly payment of $In order to satisfy Ms***’srequest to make her payments on her due date the company would be issuing benefits beyond the dates ofdisability certified in the claim formA possible solution to Ms***’s complaint of the payments beinglate is for her to make her July 25th payment and when the next benefit check is issued in mid to lateAugust (depending on when the claim form is received) it will actually be covering the August 2015payment.Pursuant to our conversation with Ms***’s lender there were four occasions in which late fees werechargedJanuary 2013, November 2013, June and June Partners Alliance Corporationreceived a claim form on January 31, and the benefit check was issued on February 8, Thenext claim form was received on March 18, 2013, days after the form received on January 31, 2013.The next instance of late fees was November 2013, Partners Alliance Corporation received a claim formon October 18, and the benefit check was issued on October 23, The next claim form wasreceived on December 12, 2013, days after the form received on October 23, For the June 2014late fees, Partners Alliance Corporation received a claim form on May 16, and the benefit check wasissued on May 23, The next claim form was received on July 7, 2014, days after the formreceived on May 23, As explained in my previous response, the June late fees were chargeddue to the lender stating they did not receive the benefit check issued on June 12, 2015.I am unable to provide copies of the claim forms with the received date stamped in this public forumIwill provide copies directly to Ms [redacted] if requested by her in writing to Partners Alliance Corporation.Partners Alliance Corporation will offer to pay the June late fees only, with written proof of the latecharges accessed by [redacted] Consumer USA.Please feel free to contact me if you need any additional information.Sincerely, [redacted] PresidentPartners Alliance Corporation

PARTNERS ALLIANCE CORPORATION "Linking Agents and Insurers through Quality Services" September 30, [redacted] Revdex.com OF SAN DIEGO & IMPERIAL COUNTIES MURPHY CANYON STE SAN DIEGO CA Re: Complainant: [redacted] Addendum No: [redacted] Complaint ID No.: [redacted] Dear [redacted] We are in receipt of your email of 09/23/2014, regarding a complaint filed with your office by the above referenced Complainant The Company appreciates the opportunity to respond to the Complaint To assist in the understanding of the [redacted] Addendum purchased by [redacted] , I would like to take this opportunity to explain first, what the [redacted] Addendum is; and secondly, the relationship between Partners Alliance Corporation (PAC) and [redacted] *** [redacted] is not insuranceThe [redacted] Addendum is a contract between the Customer/Borrower and the Dealer/Creditor, or if the Financing Contract is assigned, with the assigneeThe Addendum amends the Financing Contract PAC is an Administrator for the Dealer/Creditor, or the assigneeAs such, PAC provides administrative services to the Dealer/Creditor and/or the assignee named on the [redacted] addendumThese services include, but are not limited to, maintaining a database of customers, adjudicating total loss benefits, and calculating the amount of return addendum fees in the event of early terminationPAC receives a portion of the addendum fees paid by Customer/Borrower to the Dealer/Creditor for providing these servicesIn the event of early termination, PAC is obligated to return to the Dealer/Creditor the unearned portion of the addendum fee PAC received for providing services, less a cancellation processing fee In this case the Customer/Borrower is [redacted] , and the Dealer/Creditor is *** [redacted] assigned the Financing Contract to [redacted] *** Therefore, Mr [redacted] ’s [redacted] Addendum is a contract between him and the assignee, [redacted] ***For your reference, I am enclosing a copy of Mr [redacted] ’s signed [redacted] Addendum PAC and [redacted] are completely separate entities and PAC has no relationship with [redacted] other than providing administrative services as outlined above In response to Mr [redacted] ’s Customer’s Statement of the Problem we provide the following: In Mr [redacted] ’s Statement of Problem he states, “I purchased a [redacted] Policy from this company ” That is not a correct statementMr [redacted] did not purchase a [redacted] Policy from Partners Alliance Corporation (PAC) On 09/19/2013, Mr [redacted] purchased a [redacted] Addendum from [redacted] as a part of a Finance Agreement [redacted] then assigned the Financing Agreement to LBS Financial Credit Union In his Statement, Mr [redacted] states that he, “was due a refund in the amount of $618.41.” PAC agrees with that statement That amount is the total refund due Mr [redacted] PAC issued its portion of the [redacted] refund, $192.95, to Mr [redacted] on 9/12/***’s portion of the refund, $425.43, is due Mr [redacted] from *** On 8/8/14, PAC received an email from Mr [redacted] requesting his [redacted] coverage be cancelled as of 08/05/2014, as he had traded in the vehicle associated with his Finance Agreement with [redacted] dated 09/19/ On 8/18/2014, as a part of PAC’s month end processing, PAC issued a check to [redacted] evidencing PAC’s portion of all unearned addendum fees due on [redacted] addendums sold by [redacted] that had been cancelled during that monthThat check included the $unearned portion of the addendum fee PAC received associated with Mr [redacted] ’s [redacted] Addendum Our records evidence PAC receiving numerous phone calls from Mr [redacted] During those phone calls the staff at PAC did their best to answer his questions and assist him in researching the matter regarding his refund PAC’s staff sent emails and made phone calls to the contacts PAC had on file for ***PAC also provided Mr [redacted] with phone numbers of contacts PAC had on file for *** During the phone calls Mr [redacted] made numerous demands, including that PAC place a stop pay on the check PAC had issued to ***, made allegations that PAC was “in cahoots” with ***, made numerous threats of taking legal action against PAC, and stating that he was going to “come after,” PAC In addition, I personally received numerous emails from Mr [redacted] I responded timely to all of the emails answering his questions and attempted to assist him in this matter In an effort to bring this matter to a resolve, on 8/26/2014, PAC placed a stop payment on the check previously issued to ***On 8/27/14, I sent a letter to Mr [redacted] via Certified Mail, requesting he sign a Hold Harmless AgreementUpon receipt of the fully-executed Hold Harmless Agreement, on 9/12/2014, PAC issued to Mr [redacted] a check in the amount of $192.98, evidencing PAC’s portion of the unearned [redacted] Addendum fee received by PAC from ***A copy of the check stub is enclosedI am also enclosing a copy of our letter to Mr [redacted] dated 9/12/2014, in which we explained the refund check we were enclosing, the calculation of the refund, and advising him of the remaining portion of his refund that is the responsibility of *** The Company regrets the unfortunate situation regarding ***’s apparent unresponsiveness to Mr [redacted] However, PAC has no control over the actions of *** In Mr [redacted] ’s Statement of Problem he stated his credit union told him that, “Partners Alliance received the funds for the [redacted] direct from them.” We regret that he was misinformed by his credit unionPAC did not receive any funds from Mr [redacted] ’s credit union PAC received their portion of Mr [redacted] ’s [redacted] Addendum fee from [redacted] in October Finally, in Mr [redacted] ’s Statement of Problem he alleges: “that both companies are predatory in nature,” that I was, “ridiculing,” that there are, “hundreds of unhappy consumers like me who have been ripped off by Partners Alliance and the other company.” While PAC cannot address allegations made against [redacted] and sincerely regrets the difficulty Mr [redacted] has experienced in his attempts to contact ***, PAC takes exception to his allegations of PAC being “predatory,” “ridiculing,” and that we have “ripped off,” our customers On the contrary, although PAC was not contractually obligated to refund any money directly to Mr [redacted] , they did so in an attempt to assist him in this matterThe staff at PAC made every effort to continue to assist Mr [redacted] in spite of his continued threats and unfounded allegations made against PAC via telephone and email Again, the Company appreciates the opportunity to respond to this Complaint Sincerely, [redacted] Partners Alliance Corporation Enclosures P.OBOX • POWAY, CALIFORNIA 92074-• 800-970-• FAX 858-513-

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below: PAC has all of the fundsThey originally told me that they sent my refund of to a company called *** I found out that [redacted] was out of businessSO I called PAC and started inquiringHis own employees were telling me that [redacted] was not respondingSO I found out who the CEO was (Jason ( and reached out to him He told me he would stop payment to [redacted] and issue the check to me if I signed an agreement to hold him harmlessWhen I compliedHe sent on $So he is keeping over $of the unused funds for himself He is making [redacted] the patsy because they are out of business The only acceptable outcome is my complete refund These crooks should not be allowed to be in business Regards, [redacted]

We are in receipt of your letter dated 07/28/2017, regarding a complaint filed with your office by the above referenced ComplainantThe Company appreciates the opportunity to respond to the complaint.In response to the customer's complaint, we provide the following.Firstly, the Complainant refers to this coverage as "GAP INSURANCE." The GAP Addendum under which the Complainant filed the claim for the total loss of their Dodge RAM, is notan "insurance policy," it is a Guaranteed Automobile Protection (GAP) Contract Addendum,which amends the financing contractThe GAP Addendum is a contract between the customer/borrower and the dealer/creditorPartners Alliance Corporation is the GAP Administrator.On the GAP Addendum, the language of the contract states:Payable Loss - The difference between the net payoff and the greater of: 1) the primary carrier settlement; or 2) 90% of ACV of the covered vehicle on the date Of lossThe payable loss will not exceed $50,Payable loss includes the amount of your physical damage deductible on the primary carrier's policy up to $1, 000..Net Payoff— The amount of the financial institutionnender's interest as of the date of loss, as represented by the portion of the customer/bomower's unpaid balance according to the original payment schedule of the financing contract that is secured by collateral subject to the LimitationsThe amount does not include any uneamed finance charges; lease or financing contractnoan charges; late charges; any delinquent payments; uncollected service charges; refundable prepaid taxes and fees; disposition fees; termination fees; penalty fees; the recoverable portion of financed insurance charges; or the recoverable portion of financed amounts for uneamed insurance premiums orrefundable charges (including, but not limited to credit life, vehicle service coverages/warranties and guaranteed automobile protection charges) that are owed by you on the date of loss; and amounts that are added to the financingcontract/loan or lease balance after the inception date of the financing contract.Exclusions — This addendum will not provide coverage for loss:For any amounts deducted from the primary carrier's settlement due to wear and tear, prior damage, unpaid insurance premiums, salvage, towing and storage and other condition adjustments.The calculations for the Complainant's claim are as follows.Net Payoff (Amortized):Less Primary Carrier Settlement:Less Primary Carrier Prior Damage Deduction:Less Primary Carrier Condition Adjustment Deduction:Less GAP Refund: GAP Benefit:$ 4,$ 4,296.50$ 62.00$ 399.00$ 298.33($ 362.22) As the above calculation results in a negative balance, there are no gap claim benefits due.Upon review of Complainant's GAP claim, an amortized date of loss balance was usedAs GAP does not cover any late charges or delinquent payments, the claim had to be calculated as if all payments were made on time and in fullAccording to the payment history we received from the Complainant's lender, Flagship Credit Acceptance, the Complainant has numerous late, missed and/or deferred payments which are not covered by GAPAdditionally, the Complainant's Primary Carrier deducted for prior damage and excess wear and tear, which is also not covered by GAPAny questions the Complainant has regarding their missed/late payments need to be directed towards their lenderAny questions the Complainant has regarding why their Primary Carrier, USAA, made such deductions for excess damage need to be directed to USAALastly, the Complainant states that the Company is refusing to refund their GAPHowever, our records indicate that the Complainant's GAP cancellation was processed in our June 2017processingSince the contract is between the customer/borrower and the dealer/creditor, the Complainant's refund is the responsibility of the dealership, Drivemax IncIf the Complainant has any inquiries about their refund, those questions need to be directed to Drivemax Inc.In closing, the Company feels this claim has been adjudicated correctlyThe Company trusts the above answers address the concerns expressed in the complaintHowever, if you or the Complainant have any additional questions, please let us know.Thank you for the opportunity to address the Complaint.Sincerely

Partners Alliance CorporationP.OBOX · POWAY, CA 92074-· (858) 391-· (800) 970-· FAX (858) 513-9224August 11, 2015Ms [redacted] Revdex.com of San Diego, Orange and Imperial CountiesRe: [redacted] B ***: ID [redacted] Dear Ms [redacted] :I have reviewed the complaint by Ms [redacted] and the associated disability claim fileI appreciate theopportunity to respond to this complaint.Ms [redacted] purchased months of credit disability insurance in connection with a vehicle purchase inApril In May Ms [redacted] became totally disabled pursuant to the terms and conditions of theinsurance certificate.Credit disability payments are not necessarily synchronized with a claimants monthly due dateCreditdisability claimants are required to provide a claim form certifying disability to receive benefits.Generally this form needs to be completed by the insured and treating doctor monthlyAs accommodationfor Ms***, Partners Alliance Corporation agreed to receive the doctor’s certification on a six monthinterval.Ms [redacted] complains that Partners Alliance Corporation has not been consistent in making her paymentson timeA review comparing the date the claim form was received to the date a benefit check was issuedreflects that since December the benefit check was issued on average within days of the claimform received dateOver the years Partners Alliance Corporation has issued benefit payments onbehalf of Ms [redacted] and unfortunately the lender, [redacted] Consumer USA ( [redacted] ) said they did notreceive our check issued on June 12, Partners Alliance Corporation was notified on July 1, theJune check had not been received and a replacement check was issued on July 8, Thereplacement check was sent to the lender via overnight delivery.Ms [redacted] states “Every month this gets reported to my credit and it has ruined my credit”PartnersAlliance Corporation contacted [redacted] to confirm the accusation that every month is late and it hasruined her credit [redacted] stated that Ms***s account has had late fees assessed four times sinceJanuary In three of the four times the delay in the benefit being issued was due to the claim formreceived from Ms [redacted] late, days; days; and daysThe benefits for the delayed claim formswere issued within days; days and days respectivelyThe other is the check issued on June 12, 2015that was not received by [redacted] Partners Alliance Corporation asked [redacted] to reverse the latecharge from June and [redacted] responded that Ms [redacted] would need to make that request.Over the last months Partners Alliance Corporation has average days from the date the benefitclaim form was received to issue the credit disability benefit check.Please feel free to contact me if you need any additional information.Sincerely, [redacted] PresidentPartners Alliance Corporation

RE: *** *** ***
Complaint ID: ***
34, 34); margin: 0px">
GAP is intended to cover an amount that is the difference between the primary insurance payment and loan balanceThis deficiency may include a deductible amount deducted by the primary insurance company from the settlement checkGAP does not reimburse the customer the insurance deductibleGAP also does not include unearned finance charges, loan/financing charges, past due payments, skipped payments, late charges, penalty fees and other amounts that are added to the financing balance after the inception date of the financing contractA review of the ***’s loan payment history revealed that numerous payments were made after the scheduled payment due dateIn addition to late payments multiple payments were either missed or skippedThere were a number of late fees, penalty fees and additional accrued interest due to these multiple late payments, missed payments and skipped payments
In the ***’s case, the primary insurance company issued a payment in the amount of $11,as settlement of their lossThe net payoff after adjusting for the excluded fees and missed/skipped payments was $11,The payment by the primary insurance company would have paid off the loan had all payments been made on time and in full
Pursuant to the terms of the GAP Addendum the payment received by the primary insurance carrier exceeded the net payoff and no benefits are dueWe did inform the ***’s that there may be a refund of unearned cost due and they should contact the original selling dealer to request cancellation of their coverage due to loss of the vehicle
Please let me know if you need any additional information
Sincerely,
*** ***
President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
No where in my contract does it say they won't make the payments on time nor that it doesn't go by the pay dateAs for me sending my forms back in a timely fashion, I always send my forms back by priority mailIf Mr*** would please provide proof that I have sent them lateIf any were late it was because of the Drfilling his part out and faxing back again no fault of my ownThey did accommodate me so that I have my forms filled out every months by the Drto which I appreciate but then they change the months of when they need to be filled outThey send me a form and then tell me on the phone *** must have checked the wrong box don't need it filled out this month wait till next monthThey are not consistent with anything As of right now my July payment was due on the 25th and I couldn't send my form back till August 7th It is already days past due and countingBy the time they get it and send payment and my form August will be due but I won't be able to have my form filled out till SeptI was told by Mr*** that they have made a lot of payments for me to which I replied as well as you should, I bought and paid for the insuranceI paid for the insurance in full why can't my payments be made by the due date? That's all I'm askingI have never been informed by my lender that I need to ask for them to resend the late charges in writing, *** was going to call and get it straightened out.
Regards,
*** ***

We have attached a copy of our company's response as drafted by our Claims Manager

We are in receipt of your letter dated 07/28/2017, regarding a complaint filed with your office by the above referenced Complainant. The Company appreciates the opportunity to respond to the complaint.In response to the customer's complaint, we provide the following.Firstly, the Complainant refers...

to this coverage as "GAP INSURANCE." The GAP Addendum under which the Complainant filed the claim for the total loss of their 2005 Dodge RAM, is notan "insurance policy," it is a Guaranteed Automobile Protection (GAP) Contract Addendum,which amends the financing contract. The GAP Addendum is a contract between the customer/borrower and the dealer/creditor. Partners Alliance Corporation is the GAP Administrator.On the GAP Addendum, the language of the contract states:Payable Loss - The difference between the net payoff and the greater of: 1) the primary carrier settlement; or 2) 90% of ACV of the covered vehicle on the date Of loss. The payable loss will not exceed $50,000 Payable loss includes the amount of your physical damage deductible on the primary carrier's policy up to $1, 000..Net Payoff— The amount of the financial institutionnender's interest as of the date of loss, as represented by the portion of the customer/bomower's unpaid balance according to the original payment schedule of the financing contract that is secured by collateral subject to the Limitations. The amount does not include any uneamed finance charges; lease or financing contractnoan charges; late charges; any delinquent payments; uncollected service charges; refundable prepaid taxes and fees; disposition fees; termination fees; penalty fees; the recoverable portion of financed insurance charges; or the recoverable portion of financed amounts for uneamed insurance premiums orrefundable charges (including, but not limited to credit life, vehicle service coverages/warranties and guaranteed automobile protection charges) that are owed by you on the date of loss; and amounts that are added to the financingcontract/loan or lease balance after the inception date of the financing contract.Exclusions — This addendum will not provide coverage for loss:10. For any amounts deducted from the primary carrier's settlement due to wear and tear, prior damage, unpaid insurance premiums, salvage, towing and storage and other condition adjustments.The calculations for the Complainant's claim are as follows.Net Payoff (Amortized):Less Primary Carrier Settlement:Less Primary Carrier Prior Damage Deduction:Less Primary Carrier Condition Adjustment Deduction:Less GAP Refund: GAP Benefit:$ 4,693.61 $ 4,296.50$ 62.00$ 399.00$ 298.33($ 362.22) As the above calculation results in a negative balance, there are no gap claim benefits due.Upon review of Complainant's GAP claim, an amortized date of loss balance was used. As GAP does not cover any late charges or delinquent payments, the claim had to be calculated as if all payments were made on time and in full. According to the payment history we received from the Complainant's lender, Flagship Credit Acceptance, the Complainant has numerous late, missed and/or deferred payments which are not covered by GAP. Additionally, the Complainant's Primary Carrier deducted for prior damage and excess wear and tear, which is also not covered by GAP. Any questions the Complainant has regarding their missed/late payments need to be directed towards their lender. Any questions the Complainant has regarding why their Primary Carrier, USAA, made such deductions for excess damage need to be directed to USAALastly, the Complainant states that the Company is refusing to refund their GAP. However, our records indicate that the Complainant's GAP cancellation was processed in our June 2017processing. Since the contract is between the customer/borrower and the dealer/creditor, the Complainant's refund is the responsibility of the dealership, Drivemax Inc. If the Complainant has any inquiries about their refund, those questions need to be directed to Drivemax Inc.In closing, the Company feels this claim has been adjudicated correctly. The Company trusts the above answers address the concerns expressed in the complaint. However, if you or the Complainant have any additional questions, please let us know.Thank you for the opportunity to address the Complaint.Sincerely

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below:
 
PAC has all of the funds. They originally told me that they sent my refund of 618.41 to a company called [redacted]. 
 
I found out that [redacted] was out of business. SO I called PAC and started inquiring. His own employees were telling me that [redacted] was not responding. SO I found out who the CEO was (Jason ( and reached out to him . He told me he would stop payment to [redacted] and issue the check to me if I signed an agreement to hold him harmless. When I complied. He sent on $198. So he is keeping over $400.00 of the unused funds for himself. 
He is making [redacted] the patsy because they are out of business. 
The only acceptable outcome is my complete refund. 
These crooks should not be allowed to be in business. 
Regards,
[redacted]

Partners Alliance CorporationP.O. BOX 1630 · POWAY, CA 92074-1630 · (858) 391-5670 · (800) 970-3302 · FAX (858) 513-9224August 13, 2015Ms. [redacted]Revdex.com of San Diego, Orange and Imperial CountiesRe: [redacted] B [redacted]: ID [redacted]Dear Ms. [redacted]:I have reviewed the complaint by Ms. [redacted] and the associated disability claim file. I appreciate theopportunity to respond to this complaint.Pursuant to the section titled Amount of Monthly Disability Benefit “The daily benefit will be equal to1/30th of the monthly disability benefit for each day of disability to be compensated”. The number of daysis determined by the number of days from the date the last claim form was signed to the date the currentclaim form was signed. The company does not make monthly payments on payment due dates. The mostrecent disability payment paid for a period of May 31, 2015 through July 7, 2015. This payment totaled$485.08, which is greater than the scheduled monthly payment of $393.31. In order to satisfy Ms. [redacted]’srequest to make her payments on her due date the company would be issuing benefits beyond the dates ofdisability certified in the claim form. A possible solution to Ms. [redacted]’s complaint of the payments beinglate is for her to make her July 25th payment and when the next benefit check is issued in mid to lateAugust (depending on when the claim form is received) it will actually be covering the August 2015payment.Pursuant to our conversation with Ms. [redacted]’s lender there were four occasions in which late fees werecharged. January 2013, November 2013, June 2014 and June 2015. Partners Alliance Corporationreceived a claim form on January 31, 2013 and the benefit check was issued on February 8, 2013. Thenext claim form was received on March 18, 2013, 46 days after the form received on January 31, 2013.The next instance of late fees was November 2013, Partners Alliance Corporation received a claim formon October 18, 2013 and the benefit check was issued on October 23, 2013. The next claim form wasreceived on December 12, 2013, 55 days after the form received on October 23, 2013. For the June 2014late fees, Partners Alliance Corporation received a claim form on May 16, 2014 and the benefit check wasissued on May 23, 2014. The next claim form was received on July 7, 2014, 52 days after the formreceived on May 23, 2014. As explained in my previous response, the June 2015 late fees were chargeddue to the lender stating they did not receive the benefit check issued on June 12, 2015.I am unable to provide copies of the claim forms with the received date stamped in this public forum. Iwill provide copies directly to Ms. [redacted] if requested by her in writing to Partners Alliance Corporation.Partners Alliance Corporation will offer to pay the June 2015 late fees only, with written proof of the latecharges accessed by [redacted] Consumer USA.Please feel free to contact me if you need any additional information.Sincerely,[redacted]PresidentPartners Alliance Corporation

Partners Alliance CorporationP.O. BOX 1630 · POWAY, CA 92074-1630 · (858) 391-5670 · (800) 970-3302 · FAX (858) 513-9224August 11, 2015Ms. [redacted]Revdex.com of San Diego, Orange and Imperial CountiesRe: [redacted] B [redacted]: ID [redacted]Dear Ms. [redacted]:I have reviewed the...

complaint by Ms. [redacted] and the associated disability claim file. I appreciate theopportunity to respond to this complaint.Ms. [redacted] purchased 72 months of credit disability insurance in connection with a vehicle purchase inApril 2010. In May 2011 Ms. [redacted] became totally disabled pursuant to the terms and conditions of theinsurance certificate.Credit disability payments are not necessarily synchronized with a claimants monthly due date. Creditdisability claimants are required to provide a claim form certifying disability to receive benefits.Generally this form needs to be completed by the insured and treating doctor monthly. As accommodationfor Ms. [redacted], Partners Alliance Corporation agreed to receive the doctor’s certification on a six monthinterval.Ms. [redacted] complains that Partners Alliance Corporation has not been consistent in making her paymentson time. A review comparing the date the claim form was received to the date a benefit check was issuedreflects that since December 2012 the benefit check was issued on average within 5.79 days of the claimform received date. Over the years Partners Alliance Corporation has issued 45 benefit payments onbehalf of Ms. [redacted] and unfortunately the lender, [redacted] Consumer USA ([redacted]) said they did notreceive our check issued on June 12, 2015. Partners Alliance Corporation was notified on July 1, 2015 theJune 2015 check had not been received and a replacement check was issued on July 8, 2015. Thereplacement check was sent to the lender via overnight delivery.Ms. [redacted] states “Every month this gets reported to my credit and it has ruined my credit”. PartnersAlliance Corporation contacted [redacted] to confirm the accusation that every month is late and it hasruined her credit. [redacted] stated that Ms. [redacted]s account has had late fees assessed four times sinceJanuary 2013. In three of the four times the delay in the benefit being issued was due to the claim formreceived from Ms. [redacted] late, 46 days; 55 days; and 52 days. The benefits for the delayed claim formswere issued within 4 days; 8 days and 4 days respectively. The other is the check issued on June 12, 2015that was not received by [redacted]. Partners Alliance Corporation asked [redacted] to reverse the latecharge from June 2015 and [redacted] responded that Ms. [redacted] would need to make that request.Over the last 30 months Partners Alliance Corporation has average 5.79 days from the date the benefitclaim form was received to issue the credit disability benefit check.Please feel free to contact me if you need any additional information.Sincerely,[redacted]PresidentPartners Alliance Corporation

PARTNERS ALLIANCE CORPORATION
font-family: 'Times New Roman', serif;">"Linking Agents and Insurers through Quality
Services"
September 30, 2014
 
 
[redacted]
Revdex.com OF SAN DIEGO &
IMPERIAL COUNTIES
5050 MURPHY CANYON STE 110
SAN DIEGO CA 92123
 
Re: Complainant:                     [redacted] Addendum No:                 [redacted]
Complaint ID No.:                     [redacted]
 
Dear [redacted]
We are in receipt of your
email of 09/23/2014, regarding a complaint filed with your office by the above
referenced Complainant.  The Company
appreciates the opportunity to respond to the Complaint. 
To
assist in the understanding of the [redacted] Addendum purchased by [redacted], I
would like to take this opportunity to explain first, what the [redacted] Addendum is;
and secondly, the relationship between Partners Alliance Corporation (PAC) and
[redacted].
[redacted]
is not insurance. The [redacted] Addendum is a contract between the Customer/Borrower
and the Dealer/Creditor, or if the Financing Contract is assigned, with the
assignee. The Addendum amends the Financing Contract. 
PAC
is an Administrator for the Dealer/Creditor, or the assignee. As such, PAC provides
administrative services to the Dealer/Creditor and/or the assignee named on the
[redacted] addendum. These services include, but are not limited to, maintaining a
database of customers, adjudicating total loss benefits, and calculating the
amount of return addendum fees in the event of early termination. PAC receives
a portion of the addendum fees paid by Customer/Borrower to the Dealer/Creditor
for providing these services. In the event of early termination, PAC is
obligated to return to the Dealer/Creditor the unearned portion of the addendum
fee PAC received for providing services, less a cancellation processing fee.
In
this case the Customer/Borrower is [redacted], and the Dealer/Creditor is
[redacted] assigned the Financing Contract to [redacted].
Therefore, Mr. [redacted]’s [redacted] Addendum is a contract between him and the assignee,
[redacted]. For your reference, I am enclosing a copy of Mr.
[redacted]’s signed [redacted] Addendum.
PAC
and [redacted] are completely separate entities and PAC has no relationship with [redacted]
other than providing administrative services as outlined above.
In
response to Mr. [redacted]’s Customer’s
Statement of the Problem we provide the following:
In
Mr. [redacted]’s Statement of Problem he
states, “I purchased a [redacted] Policy from this company…” That is not a correct
statement. Mr. [redacted] did not purchase a [redacted] Policy from Partners Alliance
Corporation (PAC).  On 09/19/2013, Mr.
[redacted] purchased a [redacted] Addendum from [redacted] as a part of a
Finance Agreement. [redacted] then assigned the Financing Agreement to LBS Financial
Credit Union. 
In
his Statement, Mr. [redacted] states that
he, “was due a refund in the amount of $618.41.” PAC agrees with that statement.
That amount is the total
refund due Mr. [redacted].  PAC issued its
portion of the [redacted] refund, $192.95, to Mr. [redacted] on 9/12/2014. [redacted]’s portion
of the refund, $425.43, is due Mr. [redacted] from [redacted].
On
8/8/14, PAC received an email from Mr. [redacted] requesting his [redacted] coverage be
cancelled as of 08/05/2014, as he had traded in the vehicle associated with his
Finance Agreement with [redacted] dated 09/19/2013.
On
8/18/2014, as a part of PAC’s month end processing, PAC issued a check to [redacted]
evidencing PAC’s portion of all unearned addendum fees due on [redacted] addendums sold
by [redacted] that had been cancelled during that month. That check included the
$192.98 unearned portion of the addendum fee PAC received associated with Mr. [redacted]’s
[redacted] Addendum.
Our
records evidence PAC receiving numerous phone calls from Mr. [redacted].  During those phone calls the staff at PAC did
their best to answer his questions and assist him in researching the matter
regarding his refund.  PAC’s staff sent
emails and made phone calls to the contacts PAC had on file for [redacted]. PAC also
provided Mr. [redacted] with phone numbers of contacts PAC had on file for [redacted].
During the phone calls Mr. [redacted] made numerous demands, including that PAC
place a stop pay on the check PAC had issued to [redacted], made allegations that PAC
was “in cahoots” with [redacted], made numerous threats of taking legal action against
PAC, and stating that he was going to “come after,” PAC.
In
addition, I personally received numerous emails from Mr. [redacted].  I responded timely to all of the emails
answering his questions and attempted to assist him in this matter.
In
an effort to bring this matter to a resolve, on 8/26/2014, PAC placed a stop
payment on the check previously issued to [redacted]. On 8/27/14, I sent a letter to
Mr. [redacted] via Certified Mail, requesting he sign a Hold Harmless Agreement. Upon
receipt of the fully-executed Hold Harmless Agreement, on 9/12/2014, PAC issued
to Mr. [redacted] a check in the amount of $192.98, evidencing PAC’s portion of the
unearned [redacted] Addendum fee received by PAC from [redacted]. A copy of the check stub is
enclosed. I am also enclosing a copy of our letter to Mr. [redacted] dated
9/12/2014, in which we explained the refund check we were enclosing, the
calculation of the refund, and advising him of the remaining portion of his
refund that is the responsibility of [redacted].
The
Company regrets the unfortunate situation regarding [redacted]’s apparent
unresponsiveness to Mr. [redacted]. However, PAC has no control over the actions of
[redacted].
In
Mr. [redacted]’s Statement of Problem he
stated his credit union told him that, “Partners Alliance received the funds
for the [redacted] direct from them.”  We regret
that he was misinformed by his credit union. PAC did not receive any funds from
Mr. [redacted]’s credit union.  PAC received
their portion of Mr. [redacted]’s [redacted] Addendum fee from [redacted] in October 2013.
Finally,
in Mr. [redacted]’s Statement of Problem he
alleges: “that both companies are predatory in nature,” that I was,
“ridiculing,” that there are, “hundreds of unhappy consumers like me who have
been ripped off by Partners Alliance and the other company.”  While PAC cannot address allegations made
against [redacted] and sincerely regrets the difficulty Mr. [redacted] has experienced in
his attempts to contact [redacted], PAC takes exception to his allegations of PAC
being “predatory,” “ridiculing,” and that we have “ripped off,” our customers.
On the contrary, although PAC was not contractually obligated to refund any
money directly to Mr. [redacted], they did so in an attempt to assist him in this
matter. The staff at PAC made every effort to continue to assist Mr. [redacted] in
spite of his continued threats and unfounded allegations made against PAC via
telephone and email.
Again,
the Company appreciates the opportunity to respond to this Complaint.
Sincerely,
[redacted]
Partners
Alliance Corporation
Enclosures
P.O. BOX 1630 • POWAY, CALIFORNIA 92074-1630 •
800-970-3302 • FAX 858-513-9224

Review: When I bought my truck I purchased a disability insurance in case something happened and I couldn't work it would make my payments for me. Since they have taken over the payments they are not consistent on making the payments on time. Last month the payment was 45 days over due. I was told they had to wait for 30 days before voiding that check out and reissuing another one as the bank had not received it yet. When I asked if I needed to get a lawyer I was informed no, but that night at 6 pm I received a call asking for the address as they were going to overnight a check to the bank. As of August 3 my payment is now 9 days past due. I keep telling them they are a month behind but they say they aren't. Every month this gets reported to my credit and it has ruined my credit.Desired Settlement: Between the insurance company and the lender I would like my credit repaired and my payments made on time.

Business

Response:

Partners Alliance CorporationP.O. BOX 1630 · POWAY, CA 92074-1630 · (858) 391-5670 · (800) 970-3302 · FAX (858) 513-9224August 11, 2015Ms. [redacted]Revdex.com of San Diego, Orange and Imperial CountiesRe: [redacted] B [redacted]: ID [redacted]Dear Ms. [redacted]:I have reviewed the complaint by Ms. [redacted] and the associated disability claim file. I appreciate theopportunity to respond to this complaint.Ms. [redacted] purchased 72 months of credit disability insurance in connection with a vehicle purchase inApril 2010. In May 2011 Ms. [redacted] became totally disabled pursuant to the terms and conditions of theinsurance certificate.Credit disability payments are not necessarily synchronized with a claimants monthly due date. Creditdisability claimants are required to provide a claim form certifying disability to receive benefits.Generally this form needs to be completed by the insured and treating doctor monthly. As accommodationfor Ms. [redacted], Partners Alliance Corporation agreed to receive the doctor’s certification on a six monthinterval.Ms. [redacted] complains that Partners Alliance Corporation has not been consistent in making her paymentson time. A review comparing the date the claim form was received to the date a benefit check was issuedreflects that since December 2012 the benefit check was issued on average within 5.79 days of the claimform received date. Over the years Partners Alliance Corporation has issued 45 benefit payments onbehalf of Ms. [redacted] and unfortunately the lender, [redacted] Consumer USA ([redacted]) said they did notreceive our check issued on June 12, 2015. Partners Alliance Corporation was notified on July 1, 2015 theJune 2015 check had not been received and a replacement check was issued on July 8, 2015. Thereplacement check was sent to the lender via overnight delivery.Ms. [redacted] states “Every month this gets reported to my credit and it has ruined my credit”. PartnersAlliance Corporation contacted [redacted] to confirm the accusation that every month is late and it hasruined her credit. [redacted] stated that Ms. [redacted]s account has had late fees assessed four times sinceJanuary 2013. In three of the four times the delay in the benefit being issued was due to the claim formreceived from Ms. [redacted] late, 46 days; 55 days; and 52 days. The benefits for the delayed claim formswere issued within 4 days; 8 days and 4 days respectively. The other is the check issued on June 12, 2015that was not received by [redacted]. Partners Alliance Corporation asked [redacted] to reverse the latecharge from June 2015 and [redacted] responded that Ms. [redacted] would need to make that request.Over the last 30 months Partners Alliance Corporation has average 5.79 days from the date the benefitclaim form was received to issue the credit disability benefit check.Please feel free to contact me if you need any additional information.Sincerely,[redacted]PresidentPartners Alliance Corporation

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

No where in my contract does it say they won't make the payments on time nor that it doesn't go by the pay date. As for me sending my forms back in a timely fashion, I always send my forms back by priority mail. If Mr. [redacted] would please provide proof that I have sent them late. If any were late it was because of the Dr. filling his part out and faxing back again no fault of my own. They did accommodate me so that I have my forms filled out every 6 months by the Dr. to which I appreciate but then they change the months of when they need to be filled out. They send me a form and then tell me on the phone [redacted] must have checked the wrong box don't need it filled out this month wait till next month. They are not consistent with anything. As of right now my July payment was due on the 25th and I couldn't send my form back till August 7th It is already 13 days past due and counting. By the time they get it and send payment and my form August will be due but I won't be able to have my form filled out till Sept. I was told by Mr. [redacted] that they have made a lot of payments for me to which I replied as well as you should, I bought and paid for the insurance. I paid for the insurance in full why can't my payments be made by the due date? That's all I'm asking. I have never been informed by my lender that I need to ask for them to resend the late charges in writing, [redacted] was going to call and get it straightened out.

Regards,

Business

Response:

Partners Alliance CorporationP.O. BOX 1630 · POWAY, CA 92074-1630 · (858) 391-5670 · (800) 970-3302 · FAX (858) 513-9224August 13, 2015Ms. [redacted]Revdex.com of San Diego, Orange and Imperial CountiesRe: [redacted] B [redacted]: ID [redacted]Dear Ms. [redacted]:I have reviewed the complaint by Ms. [redacted] and the associated disability claim file. I appreciate theopportunity to respond to this complaint.Pursuant to the section titled Amount of Monthly Disability Benefit “The daily benefit will be equal to1/30th of the monthly disability benefit for each day of disability to be compensated”. The number of daysis determined by the number of days from the date the last claim form was signed to the date the currentclaim form was signed. The company does not make monthly payments on payment due dates. The mostrecent disability payment paid for a period of May 31, 2015 through July 7, 2015. This payment totaled$485.08, which is greater than the scheduled monthly payment of $393.31. In order to satisfy Ms. [redacted]’srequest to make her payments on her due date the company would be issuing benefits beyond the dates ofdisability certified in the claim form. A possible solution to Ms. [redacted]’s complaint of the payments beinglate is for her to make her July 25th payment and when the next benefit check is issued in mid to lateAugust (depending on when the claim form is received) it will actually be covering the August 2015payment.Pursuant to our conversation with Ms. [redacted]’s lender there were four occasions in which late fees werecharged. January 2013, November 2013, June 2014 and June 2015. Partners Alliance Corporationreceived a claim form on January 31, 2013 and the benefit check was issued on February 8, 2013. Thenext claim form was received on March 18, 2013, 46 days after the form received on January 31, 2013.The next instance of late fees was November 2013, Partners Alliance Corporation received a claim formon October 18, 2013 and the benefit check was issued on October 23, 2013. The next claim form wasreceived on December 12, 2013, 55 days after the form received on October 23, 2013. For the June 2014late fees, Partners Alliance Corporation received a claim form on May 16, 2014 and the benefit check wasissued on May 23, 2014. The next claim form was received on July 7, 2014, 52 days after the formreceived on May 23, 2014. As explained in my previous response, the June 2015 late fees were chargeddue to the lender stating they did not receive the benefit check issued on June 12, 2015.I am unable to provide copies of the claim forms with the received date stamped in this public forum. Iwill provide copies directly to Ms. [redacted] if requested by her in writing to Partners Alliance Corporation.Partners Alliance Corporation will offer to pay the June 2015 late fees only, with written proof of the latecharges accessed by [redacted] Consumer USA.Please feel free to contact me if you need any additional information.Sincerely,[redacted]PresidentPartners Alliance Corporation

Review: I purchsed gap insurance from partners alliance corporation through valley hi Toyota in Victorville California for my 2010 dodge avenger. According to the sales brochure and the dealer, gap insurance would cover any balance that my primary insurance did not cover including paying the $500.00 insurance deductible. The company refuses to honor the sales brochure.Desired Settlement: I am respectfully requesting that partners alliance corporation honor the brochure/advertisement and pay the insurance deductible of $500.00 and pay the remaining balance due of $367.33 for a grand total of $867.33.

Business

Response:

RE: [redacted]Complaint ID: [redacted] GAP is intended to cover an amount that is the difference between the primary insurance payment and loan balance. This deficiency may include a deductible amount deducted by the primary insurance company from the settlement check. GAP does not reimburse the customer the insurance deductible. GAP also does not include unearned finance charges, loan/financing charges, past due payments, skipped payments, late charges, penalty fees and other amounts that are added to the financing balance after the inception date of the financing contract. A review of the [redacted]’s loan payment history revealed that numerous payments were made after the scheduled payment due date. In addition to late payments multiple payments were either missed or skipped. There were a number of late fees, penalty fees and additional accrued interest due to these multiple late payments, missed payments and skipped payments. In the [redacted]’s case, the primary insurance company issued a payment in the amount of $11,095.54 as settlement of their loss. The net payoff after adjusting for the excluded fees and missed/skipped payments was $11,025.67. The payment by the primary insurance company would have paid off the loan had all payments been made on time and in full. Pursuant to the terms of the GAP Addendum the payment received by the primary insurance carrier exceeded the net payoff and no benefits are due. We did inform the [redacted]’s that there may be a refund of unearned cost due and they should contact the original selling dealer to request cancellation of their coverage due to loss of the vehicle. Please let me know if you need any additional information. Sincerely, [redacted]President

Review: I purchased a [redacted] policy from this company when I refinanced my auto in November 2013.

When I traded in my car , I notified them of cancellation . I was due a refund in the amount of 618.41.

They told me that they sent my refund to the broker who helped me refinance . I found out that that company was out of business, and I let this company know. They agreed and told me many customers were having issues with the other company.

I find that both companies are predatory in nature . The president of this company assured me he would stop payment on the check and issue me the refund directly.

All he wanted was for me to sign a form stating that if he refunded me he would be held harmless to the other company.

Well he refunded me only 192.98 of the 618.41. He was ridiculing and stated that somewhere in the form I signed I authorized this. He states that I still have to go to the out of business company to get the remaining 425.43 of my refund.

How is this possible if they stopped payment on the check?

According to my credit union who financed the loan Partners Alliance received the funds for the [redacted] direct from them.

If you research both companies there are hundreds of unhappy consumers like me who have been ripped off by Partners Alliance and the other company.Desired Settlement: I will only accept the remaining 425.43 of my due refund as settlement.

Business

Response:

PARTNERS ALLIANCE CORPORATION

"Linking Agents and Insurers through Quality

Services"

September 30, 2014

Revdex.com OF SAN DIEGO &

IMPERIAL COUNTIES

5050 MURPHY CANYON STE 110

SAN DIEGO CA 92123

Re: Complainant: [redacted] Addendum No: [redacted]

Complaint ID No.: [redacted]

Dear [redacted]

We are in receipt of your

email of 09/23/2014, regarding a complaint filed with your office by the above

referenced Complainant. The Company

appreciates the opportunity to respond to the Complaint.

To

assist in the understanding of the [redacted] Addendum purchased by [redacted], I

would like to take this opportunity to explain first, what the [redacted] Addendum is;

and secondly, the relationship between Partners Alliance Corporation (PAC) and

[redacted].

is not insurance. The [redacted] Addendum is a contract between the Customer/Borrower

and the Dealer/Creditor, or if the Financing Contract is assigned, with the

assignee. The Addendum amends the Financing Contract.

PAC

is an Administrator for the Dealer/Creditor, or the assignee. As such, PAC provides

administrative services to the Dealer/Creditor and/or the assignee named on the

[redacted] addendum. These services include, but are not limited to, maintaining a

database of customers, adjudicating total loss benefits, and calculating the

amount of return addendum fees in the event of early termination. PAC receives

a portion of the addendum fees paid by Customer/Borrower to the Dealer/Creditor

for providing these services. In the event of early termination, PAC is

obligated to return to the Dealer/Creditor the unearned portion of the addendum

fee PAC received for providing services, less a cancellation processing fee.

In

this case the Customer/Borrower is [redacted], and the Dealer/Creditor is

[redacted] assigned the Financing Contract to [redacted].

Therefore, Mr. [redacted]’s [redacted] Addendum is a contract between him and the assignee,

[redacted]. For your reference, I am enclosing a copy of Mr.

[redacted]’s signed [redacted] Addendum.

PAC

and [redacted] are completely separate entities and PAC has no relationship with [redacted]

other than providing administrative services as outlined above.

In

response to Mr. [redacted]’s Customer’s

Statement of the Problem we provide the following:

In

Mr. [redacted]’s Statement of Problem he

states, “I purchased a [redacted] Policy from this company…” That is not a correct

statement. Mr. [redacted] did not purchase a [redacted] Policy from Partners Alliance

Corporation (PAC). On 09/19/2013, Mr.

[redacted] purchased a [redacted] Addendum from [redacted] as a part of a

Finance Agreement. [redacted] then assigned the Financing Agreement to LBS Financial

Credit Union.

In

his Statement, Mr. [redacted] states that

he, “was due a refund in the amount of $618.41.” PAC agrees with that statement.

That amount is the total

refund due Mr. [redacted]. PAC issued its

portion of the [redacted] refund, $192.95, to Mr. [redacted] on 9/12/2014. [redacted]’s portion

of the refund, $425.43, is due Mr. [redacted] from [redacted].

On

8/8/14, PAC received an email from Mr. [redacted] requesting his [redacted] coverage be

cancelled as of 08/05/2014, as he had traded in the vehicle associated with his

Finance Agreement with [redacted] dated 09/19/2013.

On

8/18/2014, as a part of PAC’s month end processing, PAC issued a check to [redacted]

evidencing PAC’s portion of all unearned addendum fees due on [redacted] addendums sold

by [redacted] that had been cancelled during that month. That check included the

$192.98 unearned portion of the addendum fee PAC received associated with Mr. [redacted]’s

[redacted] Addendum.

Our

records evidence PAC receiving numerous phone calls from Mr. [redacted]. During those phone calls the staff at PAC did

their best to answer his questions and assist him in researching the matter

regarding his refund. PAC’s staff sent

emails and made phone calls to the contacts PAC had on file for [redacted]. PAC also

provided Mr. [redacted] with phone numbers of contacts PAC had on file for [redacted].

During the phone calls Mr. [redacted] made numerous demands, including that PAC

place a stop pay on the check PAC had issued to [redacted], made allegations that PAC

was “in cahoots” with [redacted], made numerous threats of taking legal action against

PAC, and stating that he was going to “come after,” PAC.

In

addition, I personally received numerous emails from Mr. [redacted]. I responded timely to all of the emails

answering his questions and attempted to assist him in this matter.

In

an effort to bring this matter to a resolve, on 8/26/2014, PAC placed a stop

payment on the check previously issued to [redacted]. On 8/27/14, I sent a letter to

Mr. [redacted] via Certified Mail, requesting he sign a Hold Harmless Agreement. Upon

receipt of the fully-executed Hold Harmless Agreement, on 9/12/2014, PAC issued

to Mr. [redacted] a check in the amount of $192.98, evidencing PAC’s portion of the

unearned [redacted] Addendum fee received by PAC from [redacted]. A copy of the check stub is

enclosed. I am also enclosing a copy of our letter to Mr. [redacted] dated

9/12/2014, in which we explained the refund check we were enclosing, the

calculation of the refund, and advising him of the remaining portion of his

refund that is the responsibility of [redacted].

The

Company regrets the unfortunate situation regarding [redacted]’s apparent

unresponsiveness to Mr. [redacted]. However, PAC has no control over the actions of

[redacted].

In

Mr. [redacted]’s Statement of Problem he

stated his credit union told him that, “Partners Alliance received the funds

for the [redacted] direct from them.” We regret

that he was misinformed by his credit union. PAC did not receive any funds from

Mr. [redacted]’s credit union. PAC received

their portion of Mr. [redacted]’s [redacted] Addendum fee from [redacted] in October 2013.

Finally,

in Mr. [redacted]’s Statement of Problem he

alleges: “that both companies are predatory in nature,” that I was,

“ridiculing,” that there are, “hundreds of unhappy consumers like me who have

been ripped off by Partners Alliance and the other company.” While PAC cannot address allegations made

against [redacted] and sincerely regrets the difficulty Mr. [redacted] has experienced in

his attempts to contact [redacted], PAC takes exception to his allegations of PAC

being “predatory,” “ridiculing,” and that we have “ripped off,” our customers.

On the contrary, although PAC was not contractually obligated to refund any

money directly to Mr. [redacted], they did so in an attempt to assist him in this

matter. The staff at PAC made every effort to continue to assist Mr. [redacted] in

spite of his continued threats and unfounded allegations made against PAC via

telephone and email.

Again,

the Company appreciates the opportunity to respond to this Complaint.

Sincerely,

Partners

Alliance Corporation

Enclosures

P.O. BOX 1630 • POWAY, CALIFORNIA 92074-1630 •

800-970-3302 • FAX 858-513-9224

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below: