Progressive Corporation

February 19, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** File Name: *** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive County Mutual
Insurance CompanyMs***,I’m writing in reply to your letter dated February 12, I appreciate the opportunity to clarify the situation. Since the filing of this complaint, I’ve spoken with Mr*** about his concernsI’ve reviewed our investigation results as well as all of the evidence collected to reach this outcomeThis includes the police report, photographs of both vehicles and the scene of the accidentWe’ve agreed to pay percent of Mr***’s damagesI’ve communicated both our decision and the offer directly to him. I’m sorry for any frustration this has caused Mr***If you have any questions call me at 1-281-982- Sincerely,Thomas S*Thomas S*Claims Manager

November 18, 2015Revdex.com, IncEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** *** Re: File Number: *** File Name: *** *** on behalf of *** *** Claim Number: *** Policy Type: Personal Auto NAIC Code: *** Company Name: Progressive Advanced Insurance Company *** ***,I’m writing in reply to your letter dated November 11, 2015. *** ***’s insurance carrier, *** ***, completed an inspection of her damaged vehicle and paid to repair itThe claim is currently being subrogated between the two companies.The pictures supplied do show damage to *** ***’s vehicle; however, they do not show fault for either partyWe have thoroughly discussed this with *** ***Unless we receive additional information to show our customer is at fault, we consider this matter closed. If you have any questions, please call me at 1-***.Sincerely, Doug M***Doug M***Claims Supervisor

My bank has already made confirmation with progressive via three way conference callAs they requested because they told me no documents I send them could be verifiedHence why the had to call my bank and my bank confirmed to them that the purchase was made at 830amestI will have my bank email me the transaction record and send it as soon as I receive it

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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
I have submitted proof of purchase of residence at origin of this policy to the insurance adjentIf progressive had a problem with this then they could have viewed original documents inclosed in my fileI'm sorry that the current bussiness practice is to cover one's ownBut all information is on file!!!!!! There is no need to practice bussiness as such when i've given them no reason toI also went to the adjent at Sheldon Palms insurance in Hernando, FL and she didn't understand this as well

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

Consumer Relations Department Wilson Mills Road, N71C Mayfield Village, OH 44143 Fax: 1-888-569-8942 [email protected] September 21, 2016 Revdex.com Euclid Avenue - 4th floor Cleveland, OH 44115 Attn: *** *** Re: File Number: *** Customer Name: *** *** Sr. Claim Number: *** Policy Number: *** Policy Type: Motorcycle NAIC Number* *** Company Name: Progressive Premier Insurance Company of Illinois Ms***, I'm writing in reply to your letter dated September 14, This letter represents a follow up response to the Revdex.com’s file ***. Since our last response, there’s been no change of facts on this fileThe investigation reveals that Mr*** was the proximate cause to the accident. Mr***’s carrier (***), Progressive and ***, Mr***’s Uninsured Motorist carriers, investigated this accidentNo additional information provided by Mr*** gives evidence to alter the liability decision. The investigation revealed that Mr*** didn’t admit liability in the lossBoth Mr*** and MsWheeler place liability on Mr***We aren’t in a position to comment on why Mr***’s carrier paid Mr***. Mr*** maintained the right to file a lawsuit to pursue his Uninsured/Underinsured Motorist Bodily Injury claim against both Progressive and *** if he disagreedThe statute of limitations has now expired on both of those claims and a lawsuit wasn’t filed. If you have any questions, please call me at 1-706-728-3731. Sincerely, Sam CH*** Sam CH*** Claims Supervisor

March 17, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: *** ***Re: File Number: *** File Name: *** ***/*** *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive County Mutual Insurance CompanyMs***,I’m writing in reply to your follow up email dated March 10, 2016.As stated in prior correspondence we’ve denied coverage for this lossIn order for us to afford any type of coverage we have to be given the opportunity to accurately investigate coverage and liability. Our customer has failed to cooperate with our investigation which led to a denial of all coveragesOur denial position stands. If you have questions, please call me at 1-915-519-3033. Sincerely,Alejandro A*** Alejandro A***Claims Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
Phyllis ***
I, Phyllis ***, am not satisfied with this resolutionI had never received any information that the date had changed the last month to the 18thIf I would have received notice, then I would not have to go through thisThis is insane that no notification was given to me but it is ok for them to take out days prior to the due date that was originally set up

March 31, 2016Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** ***Re: File Number: *** Customer Name: *** *** Policy Number: *** Claim Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Specialty
Insurance CompanyMs***,I’m responding to your letter dated March 23, Thank you for the opportunity to clarify the situation.Ms*** purchased her policy on September 15, She paid the policy in monthly installment payments; however, in November she fell behind a month in making the paymentsWhen it was time for the policy to renew on March 2, 2016, she owed a final installment for the expiring policy period of $and $to start the new policy period.On March 1, 2016, Ms*** called to confirm what day the payment was dueOur service consultant advised her that she actually had until March 2, 2016, to make the payment, and the brief call ended.On March 2, 2016, Ms*** called to make the paymentThe service consultant explained she owed a total of $341.21, which was comprised of $for the balance due on the expiring policy period and $to start the new policy periodShe explained that she didn’t have enough money to pay it all at that timeHe offered to let her pay the $163.50, plus a minimum of $108.40, for a total of $to get the next policy period started as wellHe explained that we would bill her the next month for the balance and the monthly installmentThe policy renewed with no lapse.On March 9, 2016, we sent a notice of cancellation for the balance of $for the March installment paymentThe notice indicated that payment would need to reach us on or before March 21, 2016, at 12:a.m., or the policy would be considered canceled as of that timeWe did not receive payment, and the policy cancelled with a balance due of $13.30.On March 22, 2016, Ms*** called in to report a claim for damage to her windshieldShe reported that it occurred the same dayWe took the claim information and explained that there was a coverage issue, as the policy had cancelled effective the day priorShe was transferred to a service consultant and requested to reinstate the policyOur reinstatement process requires current payment and a statement from the customer confirming that there have been no accidents, losses or damage to the vehicle from the time of the statement back to the cancel effective date/timeBecause there had been damage to the vehicle that same day, she didn’t qualify for a policy reinstatement.Later that same day, Ms*** contacted our claims office and attempted to negotiate the loss dateWe confirmed we would need independent verification that the loss occurred within the active policy period in order to consider payment of her windshield claimTo date, she has been unable to provide verification that the claim occurred within the active policy period.The balance of $is valid, as it is for the coverage we provided until March 21, I’m sorry for the inconvenience this has caused Ms***If you have any questions, please call me at 1-440-620-6943.Sincerely,Nancy A***Nancy A***Consumer Relations Specialist

March 15, 2016Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: *** *** Re: File Number: *** Customer Name: *** *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC
Number: *** Company Name: Progressive Universal Insurance Company Ms***,I’m writing in reply to your letter dated March 8, Thank you for the opportunity to address Ms***’s concerns with her claim. After further review of the facts of loss for February 10, 2016, we’ve reversed our original liability decisionWe’ve contacted our Underwriting department to ensure Ms***’s policy will reflect this accident as not-at-fault at her next renewal effective May 14, 2016. I’ve called Ms*** to make her aware of this correctionI’m sorry for the frustration she experiencedIf you have any questions, please call me at 1-440-910-7905.Sincerely, Ryan L***Ryan L***Claims Manager

Mr***,
Attached is our response and supporting documents
Thank you,
Rose ***
Consumer Relations Specialist
440-620-6944July 31, 2017Revdex.com Euclid Avenue, 4th FloorCleveland, OH 44115 Attn: Lou ***Re: File
Number: *** Customer Name: *** ***Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Marathon Insurance Company Mr***,We’re writing in response to your letter dated July 21, Thank you for forwarding Mr***’ concernsWe’re very sorry to hear that he didn’t get the ideal experience as a customerThis is not how we intended his Roadside experience to go. To follow up on Mr***’ experience, we called our vendor, ***, to see what happened*** reviewed Mr***’ phone call for service and confirmed that there was miscommunication or possibly a connection problem that may’ve caused Mr*** to misunderstand the *** representativeThe representative responded to his statement about having a heart attack with, “don’t have a heart attack”I do understand Mr***’ frustration with the intensity of the situation at the time, and I’m sorry that this statement didn’t come through clearly, causing a negative interpretation of our response. We also reviewed our records to see if we followon the delays that Mr*** mentioned in his complaintUnfortunately, we have no record of receiving any calls indicating that Mr*** contacted us about delays in his serviceOur vendor will make every attempt to secure service as timely as possible; however, factors such as the time of day, location, or the need for special equipment can impact service timesIn the event that the estimated time of arrival doesn’t meet a customer’s need, they always have the option to secure service out of pocket and submit a request for reimbursement. We also would like to address Mr***’ concerns about the cancellation of his policyWhen he purchased the policy effective May 12, 2017, he made an initial payment of $and chose a monthly payment planOn May 16, 2017, we sent Mr*** a letter with his new policy documents, explaining that we needed some additional information to complete his purchase and to keep the rate we offered himWe asked him to sign his policy forms online to maintain the discounted rate, and we asked him to send us a copy of his proof of other health insurance and proof that he carried auto insurance from November 12, to May 12, 2017.We did receive a copy of Mr***’ health insurance and a copy of another document, which could’ve been his proof of previous insuranceHowever, the second document was only a partial page, and we couldn’t confirm the information we needed.On May 29, 2017, we sent Mr*** his first installment bill of $187.90, due by June 12, We didn’t receive the payment. On June 3, 2017, we sent Mr*** a letter asking him to send us a document from his former insurance company by June 17, 2017, to keep the lower rateBecause we didn’t hear from Mr*** or receive the information we needed, we removed the prior insurance history from the policy, increasing his rate by $235. On June 15, 2017, we sent Mr*** a Cancel Notice, letting him know we must receive his payment of $by June 29, 2017, to avoid cancellation of the policyBecause we didn’t receive the payment, the policy canceled, leaving a balance due of $Although the policy canceled for nonpayment, Mr*** could’ve called our Relationship Center and asked them to review the policy for possible reinstatementIn reviewing the policy, we have no record of Mr*** calling our Relationship Center to request reinstatementThe only call we have on the policy was on May 29, 2017, when Mr*** called to file a complaint about his Roadside experience.If Mr*** is still interested in a review of his policy to see if the option to reinstate it is available, please have him call our Relationship Center at 800-776-In addition, if he’ll send us a copy of his prior insurance history confirming coverage for the dates listed above, we’ll be happy to review the document and apply any credit necessary to the policyHe can email the document to *** or fax it to ***Please have him include the policy number on any documents submitted. If you have any further questions about the Roadside Assistance, please call Heather *** at ***For questions about the policy, please call Rose *** at ***. Sincerely, Heather *** Rose ***Claims Manager Consumer Relations SpecialistEnclosures

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

April 23, *** *** *** ***
*** *** *** *** ***
*** ** *** Attn: *** ***
*** *** *** ***
*** *** *** *** *** ***
*** *** ***
*** *** *** ***
*** *** ***
*** *** *** *** *** ***
*** *** I’m writing in reply to your follletter dated April 16, In reviewing the online purchase of the policy, by indicating a “Y” for yes, the Paperless Option was chosen with a Paperless Discount ($4.45) being applied to the policy: In the yellow highlighted areas indicate where the option was chosenThis is also noted in the Application under Premium Discounts and on the Declarations Pages mailedIf Mr*** would like for this to be changed, he can do so by calling our Relationship Center at *** and request the removalI’ve included a copy of the Application and Declarations Page for your review I’m sorry for the confusion this matter caused and any misunderstandingsWe work hard to make every interaction with our customers a great oneIf you have any questions, please call me at ***
Sincerely, Annie *** Annie *** Consumer Relations Specialist Tell us why here

Wilson Mills Road *** Mayfield Village, OH 44143 Fax: 1-*** [email protected] July 22, 2015 Revdex.com Euclid Avenue, 4th Floor Cleveland, OH 44115-2408 Attn: *** *** Re: File Number:
*** Customer Name: *** *** Claim Number: *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Universal Insurance Company *** ***, I’m writing in reply to your letter dated July 13, I appreciate the opportunity to clarify the situation. On April 3, 2015, *** *** obtained a policy with usThe only driver she listed on the policy at that time was herselfThe Application for Insurance that *** *** signed reads: “You, your spouse, and all resident relatives years of age or older, all regular drivers of the vehicles described in this application, and all children who live away from home who drive these vehicles, even occasionally are listed below.” The Application for Insurance also indicates: “I declare that the statements contained herein are true to the best of my knowledge and belief and do agree to pay any surcharges applicable under the Company rules which are necessitated by inaccurate statementsI declare that no persons other than those listed in this application regularly operate the vehicle(s) described in this applicationI understand that this policy may be rescinded and declared void if it has been in effect for less than one (1) year or one (1) policy term, whichever is less, if this application contains any information or if any of the information that would alter the Company’s exposure is omitted or misrepresented.” A claim was reported to us on June 8, 2015, in which *** ***’s son, *** ***, was operating the insured vehicleSubsequent statements revealed that her son was a resident of her household who occasionally operated this vehicle. Because *** *** did not disclose her son on the initial Application for Insurance, and the rating of this driver would have resulted in a significantly different risk, we rescinded the policy and refunded any premiums that she paid. This is in alignment with the statements agreed upon by *** *** in her Application for Insurance. I’m sorry for the inconvenience this may have caused *** ***If you have any questions please call me at 1-***. Sincerely, Timothy B*** Timothy B*** Claims Manager

I'm NOT satisfied because a business doesn't get "off the hook" by just saying, Oh, im sorry, the customer is right - we screwed up and misinformed the customer because our agent was wrongThat's a bunch of BSThey need to be accountable for their actionsWhen I purchase an item in a store and it's marked incorrectly, guess what? They give you that lower priceIt's BAD BUSINESS to just say they screwed up but won't do anything about it.Im asking for a discount, LIKE I WAS TOLD I would get, this is why I decided to move forward and get their insuranceIm asking for a 10% discount on my auto rate, which I think is reasonable

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Ms***,As you can see from Ms***' reply she has in fact proved my point "While the policy was active, we made changes that affected the rate." So Progressive made changes that affected the rate I'm sure one can understand why I would cancel my policy when Progressive would arbitrarily change my rate times and fully admit to it.Please pay special attention to the second paragraph in Ms***' response indicating one EFT schedule on January 1st and a revised schedule (with a higher rate) on January 19th with no explanation as to why This is exactly what I have been dealing with, and why I decided to cancel my policy. I have no problem paying the cancellation fee However, I will not be paying retroactive fees due to Progressive's rate manipulation.As you can see from attachment #the email from Dan Nindicates that he terminated the EFT due to my cancellation Once again Ms*** proves my point by stating "On January 31, 2016, we issued a revised Coverage Summary advising we removed EFT and its discount." So what she is in fact saying is that Progressive is going to retroactively charge me for an EFT discount after cancellation This is absolutely absurd Both the email from Dan N and the reply from Ms*** prove they are implementing fraudulent billing practices I'm not sure why Ms*** feels the need to preemptively state there will be a $fee for the snapshot device when that was never in question Once I receive the prepaid envelope (I have not as of this date) that will in fact be returned (see attachment #2)
Regards,
*** ***

---------- Forwarded message ----------From: *** *** Date: Wed, Nov 16, at 1:AMSubject: ComplaintTo: "***@cleveland.Revdex.com.org" Hi, Progressive has finally taken care of the issue, after pulling more teethI am due to pick
up my vehicle on todayThanks for your help.*** *** Sent from Yahoo Mail on Android

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

(The following was copy/paste by Revdex.com staff - LST)***September 20, 2017Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: Lou ***Re: File Number: *** Customer Name: Greg *** Policy Number: *** Policy Type: Personal Auto NAIC Number: *** Company Name: Progressive Universal Insurance CompanyMr***,Thank you for your letter dated September 13, I’m sorry Mr*** wasn’t satisfied with the previous responseI hope the following information is helpful.I understand Mr*** received one of our advertisements regarding lower rates in his areaIt’s true that rates are lower in that area, but the area is not the only information that we use to determine the cost of a policy, which means a change in one factor may or may not have an impact on the cost of the insurance.We review different information at renewal than we do for a new customer, so rates may be different at renewalI’ve enclosed a copy of the notice that we sent to Mr*** on April 11, 2017, explaining the information that we use to determine the cost of his insurance.We appreciate Mr*** being a valued customerIf you have questions, please call me at *** Sincerely,Gwendolyn ***Consumer Relations Specialist