Pekin Insurance

I am rejecting this response because:I made my policy paymentThey DO NOT have ANYTHING with my signature giving them consent to combine both my policy premiums and audit payment My understanding was it would be two payments due every month, for my policy which I made, and for the audit paymentThey themselves decided to dictate where my payment would be applied to, which is misappropriation of funds, they Never had my permission or consent to do so, which is Theft Of Bank Debit Payment These people VIOLATED my rights and took advantage Of the situation I would like my money returned

Initial Business Response / [redacted] (1000, 5, 2015/11/04) */ Revdex.com Complaint Number – Consumer – Ms [redacted] Claim Number – 32-Z62-– [redacted] & [redacted] Date of Loss – October 25, I am responding on behalf of Pekin Insurance Company of [redacted] Pekin, Illinois to the above-captioned case number The complainant is a third party liability claimantThe claimant complains about not returning her phone calls The claimant reported the claim to our call center on Sunday, October 25, 2015, at 1: p.mOur claim representative called the claimant on Monday, October 26, 2015, at 9: a.mand left a message The claimant called us back on Tuesday, October 27, 2015, at 11:a.mand our claim representative went over the claim facts and process with her On October 28, 2015, after verifying the accident facts with our insured, we had the claimant’s repair estimate reviewedThat review was completed on October 29, 2015, and we called the claimant that afternoon and left a message advising our payment was being mailed to her Since receiving this inquiry today, we have recontacted the claimant and she thanked us for the call and all issues are now resolved [redacted] G [redacted] G [redacted] , CPCU, AIM Director of Claims 1-800-322-0160, Extension FAX: 309-346- [redacted] @pekininsurance.com cc: [redacted] ***

We mailed the attached invoice to the insured, [redacted] ***, on December 1, showing a current balance due of $6, This amount reflected all policy activity through December 1, including the outstanding audit premium due The Installment Schedule shown on the attached invoice stated that we required a minimum due of $to be paid by December 22, On December 27, 2017, the insured paid $of the $minimum due The payment shortage resulted in the cancellation of the insured's Commercial Package policy

We have received your complaint notice dated March 17, In response to this insured’s complaint, we have not received a signed cancellation request from this insured or his agent asking us to cancel his commercial policy Pekin Insurance had issued a Commercial Package policy on his business, [redacted] LLC, effective April 1, for $annual premiumThis insured had requested monthly installmentsOn October 6, 2016, a cancellation notice was sent to the insured stating his check was returned due to insufficient funds, and that he would need to submit $by October 17, to continue coverage Valid payment was received, and the policy was reinstated on October 17, This policy cancelled again effective December 18, due to another insufficient funds checkThe insured did not submit additional payment to address the insufficient funds check so the policy remained cancelledThe insured stills owes $earned premium to the cancellation date of 12/18/Please feel free to contact me if you have any further questionsSincerely, Cheryl Byrne, CPCUTerritory Underwriting ManagerPhone (309) 478-

I am rejecting this response because:I no longer needed this policy, I was doing work elsewhere. I had no money in that account in October because I was no longer funding that account with income from *** ***. After it came back insufficient funds in October I made it right and put some money in the account to cover miscellaneous things and paid pekin what I owed them. I told my agent to cancel the policy, that I didn't need it anymore. So here I am stuck in the middle of an agent that doesn't want to stand behind his customer (I'm assuming because I took all of my insurance needs elsewhere) and an Insurance company who won't stand behind their agent.What is a consumer supposed to do when he finds out too late that his agent didn't do his job and cancel a policy properly? I never dealt with pekin directly to obtain insurance, why would I to cancel? *** Insurance may be the one at fault if they did not follow procedure but they absolutely refuse to do anything and pass it off to Pekin that I need to resolve this with themThis should not be owed and should not go against my credit

Initial Business Response /* (1000, 5, 2015/05/13) */
A Tenant Homeowner policy and a VIP Autombile policy were issued for the insured effective March 21, The Tenant Homeowner policy was non-renewed due to lack of underwriting informationThe VIP Autombobile policy was non-renewed due to
lack of underwriting information and due to a driver in the household having an ineligible motor vehicle record for the VIP program
On June 2, mail was returned to us indicating that "Attempted Not Known-Unable to Forward"A memo was sent to the insured's agent on the Autombobile policy asking for a correct mailing address and updated drive to work mileage information for the vehicles on the policyA memo was also sent to the insured's agent on the Tenant Homeowner policy asking for a correct mailing address along with the rating information for the new locationWe received no repsonse to the memos therefore, the policies were set up to non-renew effective the March 21,date
We received return mail on both policies three more times prior to the non-renewalWe had also received a request to add a driver to the Automobile policy effective Septermber 9, An email was sent to the agent indicating that due to the information on the motor vehicle record, the driver was not eligible for the program the current policy was inIt indicated that a new application for that driver was needed in our Crossroads programWe received no response to this memoThe change was processed to add an additional driver to the policy
The non-renewal notices were processed in January, and sent to the address on fileThe policies were on an electronic funds tranfer accountThe payments were taken out of the insured's bank account every monthThe annual premium for the Homeowner policy was $and a total of $was received through the monthly EFT paymentsThe annual premium for the Automobile policy at issuance was $1,The change request we received from the agent regarding an additional driver created an additional premium of $for the time period of September 9, to March 21, This was a total premium of $and a total of $was received through the monthly EFT paymentsSince only the pemium for the time the policies were in effect was received, no refund is required on these policies
If the insured can provide proof of duplicate coverage, we would be willing to revise the cancellation date back to the date of the new policy
If you have any further question, please feel free to contact me
Initial Consumer Rebuttal /* (3000, 7, 2015/05/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I recieved nothing from the insurance company They had my new house address cause they sent me a check on the renters insurance claimThere the ones who dropped the ballThey had all correct address they never cancelled the renters and keep taking it out from aug til march even though they was told to stop the policy cause it no longer was any good since I owned the home now not rentingThey was notified of change of address thur the main office thur didnt claim agents one name sue who was retiring at the time she took the claim on and the other gentleman who finished the claimThey sent my claim check to the right adress but never sent any info in Jan or there after to my addressThey owe me for the amount of aug to march of the renters insurance and the amount it took to replace the car insurance becasue I was not notified of them cancelling it

Revdex.com NUniversity Peoria, IL To: Dispute Resolution Department RE: First Aid Auto Oak Lawn IL 60453- ID *** Policy number
*** We have received the above mentioned complaint, and have reviewed our underwriting fileThe insured appears to be questioning a refund check that had not been received We received a request on December 14, 2017 to cancel the captioned policy per insured’s request effective December 11, On January 4, 2018, a $refund check for the unearned premium was mailed to the insured’s address we had on file: *** * *** *** *** **, Oak Lawn IL 60453- On January 24, 2018, the insured called our office to state that the refund check had not been received, and asked us to reissue the checkAt that time, the insured verbally confirmed his address as being the same address we had on file: *** * *** *** *** ** , Oak Lawn IL 60453-We reissued and mailed a replacement refund check for $to the insured on February 2, On February 8, 2018, the insured called our office again stating the refund check had not been receivedWe let the insured know we would reissue the check again, and would send a tracking number via his emailThe same address was again verified with the insured On February 14, 2018, a third refund check for $was mailed to the insured’s confirmed address: *** * *** *** *** **, Oak Lawn IL 60453-with a tracking number of 1ZThis refund check is being mailed via UPS overnight deliveryWe also emailed the tracking number to the insured’s email address at ***@yahoo.com Sincerely, *** *** CPCU Territory Underwriting Manger Phone *** ***

I am rejecting this response because:
I feel that there is nothing listed that lowers my scorePlease send a list of all negative items that lower my scoreI feel this is age discriminationI would like to know what bank accountsand the credit cards that lower my score

In response to the complaint, the $is earned premium from the date the policy billed 4/until the policy was cancelled 5/We billed for the outstanding amount before sending this to collectionsIf the insured obtained coverage elsewhere and needs to backdate the cancellation to void this
premium, we will need a dec page from that company showing coverage was placed elsewhereWe could then backdate the cancellationThe $requested is not a chargeIf I may be of further assistance, please let me know. *** ***, CPCUPersonal Lines Territory Manager

We have received the above mentioned complaint and we have reviewed our underwriting fileThe insured appears to be disputing a payment that was made to Pekin Insurance on December 26, for $The insured placed coverage with Pekin Insurance through the Insurance Center Agency with an
annual term from 10/21/to 10/21/17. The annual policy premium for this term was $7,which the insured paidOn November 9, 2017, the insured was sent a premium audit statement for the 10/21/to 10/21/term for an additional amount due of $1,from increased payrollPer the insured’s request, we agreed to a four month installment plan to pay this additional audited premium. The insured agreed to pay $per month for the next four months, in addition to their regular monthly installments. The renewal term from 10/21/to 10/21/was issued with an annual premium of $ on monthly installmentsThe insured paid the first two monthly installments. On the third monthly installment, the insured was billed on December 1, for a minimum payment due of $909.05, with a due date of December 22, The insured only made a partial payment of $on December 26, On January 12, 2018, the policy was cancelled due to nonpaymentPlease reference the attached document for premium history on this insured’s account, and feel free to contact me if you have any additional questionsSincerely, *** ***, CPCU Territory Underwriting Manger Phone *** ***

I am rejecting this response because:
We provided all information accurately and honestly, and if this agent failed to record it properly, then we have been penalized for a mistake made by an agentThis is not acceptableFurthermore, I have spoken to a number of others in my profession, and none has ever heard of bartenders or servers being denied insurance as a result of their profession. Because of these issues, and because the insurer has chosen not to address this concern, we will not do business with them in the future, and we will recommend others avoid them as well in all forums at our disposalAfter shopping around, we have concluded that there are much more professional and responsible insurance companies to do business with

Initial Business Response /* (1000, 7, 2015/05/11) */
Complaint Case #: XXXXXXXX
Consumer: Ms*** ***
Case Opened: 2015-05-
*** *** with Revdex.com,
Our company takes great pride in providing insurance protection and good service to all of our customersThis
customer, *** ***, has been at risk of having interupted coverage protection on several occasions because of poor payment and insufficient funds history which has triggered numerous policy terminationsIn the last years *** ***'s automobile insurance policy has terminated for non-payment of premium or insufficient funds on occassions
When the policy terminated last January due to non-payment of the monthly invoice, our company allowed reinstatement as an accommodation if the customer enrolled in automatic monthly electronic funds transfer from a bank accountThe contract signed by *** *** is attached
In February a notice of the eft withdrawal was sent to *** *** weeks in advance of the monthly withdrawalThe February payment was returned by *** ***'s bank due to insufficient funds, and the policy terminated in March
In April a notice of the eft withdrawal was sent to *** *** weeks in advance of the monthly withdrawal which paid for the amount in collections, insufficient payment from February and premium for automobile coverage provided until March 22, This meets with the EFT contract *** *** signed to pay monthly premium for automobile insurance
It is not permissable to return a payment for insurance coverage provided in order for a former customer to pay it back at a later date
Please contact me if you have any questions
Thanks you
*** ***
Initial Consumer Rebuttal /* (3000, 9, 2015/05/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have caused overdraft fees just recently of $As they were notified that I did not want an EFT,as I was unemployed and and had no financial means to automatically pay,I feel that Pekin is responsible for the overdraft fees that they caused my account accruePekin has caused my checking account overdraft fees of $in February
I noticed that Pekin made no mention of the overdraft fees, nor any intention of paying themI feel that Pekin owes me $in overdraft fees
Thank you
*** ***

[redacted],A bartender is listed in our underwriting guidelines of ineligible occupations. The auto application was uploaded to us from you agent with your occupation as "office." Because of that, it did not prompt an underwriting referral or rejection before the application was submitted to us....

When we completed an auto inspection, we were made aware that your occupation was "bartender and food service." We had contacted the agent to let them know that we would be cancelling the policy within the first 90 days due to this being in ineligible occupation. Since the cancellation was within our discovery period and Pekin Insurance provided coverage from 10/7/16-12/13/16, no refund of premium will be made. Thank you

We mailed the attached invoice to the insured, [redacted], on December 1, 2017 showing  a current balance due of $6,855.50.  This amount reflected all policy activity through December 1, 2017 including the outstanding audit premium due.  The  Installment Schedule shown on the attached  invoice stated that we required a minimum due of $909.05 to be paid by  December 22, 2017. On December 27, 2017, the insured paid $500 of the $909.05 minimum due.  The payment shortage resulted in the cancellation of the insured's Commercial Package policy.

We have received your complaint notice dated March 17,2017.  In response to this insured’s complaint,  we  have not received a signed cancellation request from this insured or his  agent asking us to cancel his commercial policy.  Pekin Insurance had issued a...

 Commercial Package policy on his business, [redacted] LLC, effective April 1, 2016 for $754 annual premium. This insured had requested monthly installments. On  October 6, 2016, a cancellation notice was sent to the insured stating his check was returned due to insufficient funds, and that he would need to submit $62.83 by October 17, 2016 to continue coverage.  Valid payment was received, and the policy was reinstated on October 17,2016.  This  policy cancelled again effective December 18, 2016 due to another insufficient funds check. The insured did not submit additional payment to address the insufficient funds check so the policy remained cancelled. The insured stills owes $161.15 earned premium to the cancellation date of 12/18/16. Please feel free to contact me if you have any further questions. Sincerely, Cheryl Byrne, CPCUTerritory Underwriting ManagerPhone (309) 478-2566

Initial Business Response /* (1000, 5, 2015/11/04) */
Revdex.com Complaint Number – 19042714
Consumer – Ms. [redacted]
Claim Number – 32-Z62-747 – [redacted] & [redacted]
Date of Loss – October 25, 2015
I am responding on behalf of Pekin Insurance Company of [redacted]...

Pekin, Illinois
61558 to the above-captioned case number.
The complainant is a third party liability claimant. The claimant complains about not
returning her phone calls.
The claimant reported the claim to our call center on Sunday, October 25, 2015, at 1:13
p.m. Our claim representative called the claimant on Monday, October 26, 2015, at 9:41
a.m. and left a message.
The claimant called us back on Tuesday, October 27, 2015, at 11:26 a.m. and our claim
representative went over the claim facts and process with her.
On October 28, 2015, after verifying the accident facts with our insured, we had the
claimant’s repair estimate reviewed. That review was completed on October 29, 2015, and
we called the claimant that afternoon and left a message advising our payment was being
mailed to her.
Since receiving this inquiry today, we have recontacted the claimant and she thanked us for
the call and all issues are now resolved.
[redacted] G. [redacted] G. [redacted], CPCU, AIM
Director of Claims
1-800-322-0160, Extension 2368
FAX: 309-346-9466
[redacted]@pekininsurance.com
cc: [redacted]
[redacted]

I am rejecting this response because:I made my policy payment. They DO NOT have ANYTHING with my signature giving them consent to combine both my policy premiums and audit payment.  My understanding was it would be two payments due every month, 1 for my policy which I made, and 1 for the audit payment. They themselves decided to dictate where my payment would be applied to, which is misappropriation of funds,  they Never had my permission or consent to do so, which is Theft Of Bank Debit Payment . These people VIOLATED my rights and took advantage Of the situation . I would like my money returned .

Hi Leon,Our financial stability level (FSL) is not the same as the credit score you receive from financial institutions. Our FSL is a credit based insurance score that takes into consideration many factors when computing your score, credit being one of the factors. Since the two are...

different, we will be unable to rate your policy solely based off of your credit score. Thank you

I am rejecting this response because:
    This is a complete fabrication not only did my insurance agent contact them once but twice for a paid up to date because I had already decided on a different carrier we waited till the date they said I was paid up to and then canceled the policy. As I said before this has happened to me before by another company I am positive This is some kinda get more money out of people who move to new carriers the should be a federal investigation into all insurance carriers I believe this is a common game they play.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. And I will add the following: I received the check today, more than two months after I initially called to cancel the policy.  That is an unacceptable amount of time to deliver on something so simple.  My suggestion to the business is the following:1.  Allow checks to be printed immediately by whoever has authority.  The fact that I had to wait an additional 5 to 7 days each time I called for your check writing day is truly detestable. 2.  When issuing checks of any kind, USPS tracking should be used.  Nobody is interested in taking your word for it that a check is in the mail, because obviously it wasn't.