Progressive Corporation

(The following was copy/paste by Revdex.com staff - LST)[redacted]June 15, 2017Revdex.com2800 Euclid Ave., 4th FL Cleveland, OH 44115-2408Attn: Lou [redacted] Re: File Number: 12182937 Customer Name: Pamela J[redacted] Claim Number: [redacted]          Policy Type: [redacted] Policy Type: Personal Auto     NAIC Number: [redacted] Company Name: [redacted]       Mr. [redacted],I’m writing in reply to your follow up letter dated June 12, 2017. I appreciate the opportunity to clarify the situation.On June 5, 2017, our claims representative spoke with Ms. J[redacted] and set her vehicle up to have repairs completed at [redacted]. We offered Ms. J[redacted] a rental under her policy, but she declined and advised us that she would be dropping her vehicle off for repairs on June 6, 2017.On June 7, 2017, Ms. J[redacted] went to [redacted] to drop off her vehicle. At the time of the drop-off, the shop didn’t know Ms. J[redacted] would be arriving, because they were expecting her on June 6, 2017, and they didn’t have her on their schedule for June 7, 2017.Ms. J[redacted] contacted our managed repair representative, regarding the shop’s lack of knowledge of her vehicle. The managed repair representative spoke with Buddy at [redacted], who advised the volume was too busy on June 7, 2017, and next week would be better. Ms. J[redacted] rescheduled to drop her vehicle off for repairs on June 14, 2017. She also requested to use her Rental coverage. We set up a rental vehicle for Ms. J[redacted] on this date.  She left the claims representative’s supervisor, Winona [redacted], a voicemail, who attempted to contact Ms. J[redacted] multiple times, without success. On June 15, 2017, we contacted [redacted] and confirmed Ms. J[redacted]’ vehicle is at the shop for repairs. Ms. [redacted] also confirmed with Ms. J[redacted] that her vehicle was at [redacted] for repairs and that she was in a rental vehicle. Ms. [redacted] advised Ms. J[redacted] that her estimated repair completion date would be June 23, 2017, and provided Ms. J[redacted] with the managed repair representative’s contact information, in case there were any questions about the repair process. Ms. J[redacted] was satisfied after her conversation with Ms. [redacted] and had no additional concerns. I’m sorry for the confusion this caused. If I can be of further assistance, please call me at [redacted].Sincerely,Sarah [redacted]Claims Manager

August 2, 2016Revdex.com 2800 Euclid Avenue, 4th floorCleveland, OH  44115Attn: [redacted]Re: Case Number: [redacted]Claim Number: **-[redacted] Policy Number: [redacted]Customer Name: [redacted]NAIC Number: [redacted]-[redacted] Company: [redacted]Ms....

[redacted],Thank you for the opportunity to address our customer, [redacted]’s, concerns with respect to his experience regarding his Roadside Assistance coverage. I’m sorry if Mr. [redacted] did not receive the service he feels he deserved. Mr. [redacted] called in this claim following an incident that occurred on April 8, 2016, near Lancaster, California. He was stopped at a gas station when a glass bottle struck his tire. Mr. [redacted] attempted to put air in the tire and the valve stem separated causing the tire to flatten. He called our Roadside Assistance department and his tire was changed. Mr. [redacted] feels since there were time delays we owe him for the cost of his tire, dealer charges to reset his vehicle’s low tire pressure sensor, extra gas, Air B&B charges, extra food, and pain and suffering. Our investigation revealed the damages to the tire fell below Mr. [redacted]’s deductible. Unfortunately, we cannot consider any of Mr. [redacted]’s other charges for food, lodging or pain and suffering.     We certainly value Mr. [redacted] as a customer and please call me at 1-916-246-3046 if you have additional questions. Sincerely, Thomas A. S[redacted]Thomas A. S[redacted]Compliance Manager

August 10, 2015Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]Re: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Specialty Insurance Company[redacted]...

[redacted],I’m responding to your letter dated August 4, 2015. Thank you for the opportunity to clarify the situation.I am in receipt of [redacted]’s concerns regarding her experience with us resulting from the automobile accident occurring on July 23, 2015.  I had the sincere pleasure to both speak and meet with [redacted] on July 30, 2015. I apologized both over the phone and again in person for not only her involvement in the automobile accident but also for the customer service shortfalls that she experienced. I gathered very specific and direct feedback so as to appropriately coach the appropriate employees in hopes that these issues are not repeated.[redacted]’s bodily injury claim was resolved during our meeting of July 30, 2015.  We discussed the liability decision of 80 percent adverse our customer, [redacted]. I reduced [redacted]’s portion of responsibility from 20 percent to 15 percent. All the property damage handling is being thus far taken care of by      [redacted]’s automobile insurance carrier. We are awaiting her carrier’s subrogation demand to resolve her property damage claim; however, we did make an upfront reimbursement to [redacted] of 85 percent of her $500 deductible ($400) on       July 30, 2015,  in order to avoid causing her any further inconvenience.I’m sorry that [redacted] experienced any additional hassles in what is already a very stressful situation. She’s been provided my direct contact information should anything else arise where she would need to contact me. If you have any questions, please call me at [redacted].Sincerely,Debra B[redacted]Debra B[redacted]Claims Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
my bank has told me they never got the withdrawl submittion until the 1st and at that time there was enough cash in account the fees of 52.00 caused the issue because of the date    if it was subbmited on the 28th as agreed to there would of been not issue so I want them to replace the fees as they were paid there money by the bank and I want my fees  returned.

[redacted] [redacted]April 21, 2017Revdex.com, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: Lou [redacted]Re: File Number: [redacted] Customer Name: Rene [redacted] Policy Number: [redacted] Policy Type: Motorcycle NAIC Number: [redacted] Company...

Name: Progressive County Mutual Insurance CompanyMr. [redacted],Thank you for your letter dated April 15, 2017. I hope this helps Mr. [redacted] to understand our cancellation process.Mr. [redacted] has been a loyal customer with us since January 18, 2014, until his policy canceled on April 14, 2017.I’m sorry for the confusion that we’ve caused with our cancellation process. I’d like to assure Mr. [redacted] that our cancellation process hasn’t changed. When a policy cancels during the policy period, the policy cancels on a 90% pro rata basis. This means that the policy premium is divided into two categories: the cost for the period the policy was active, and the cost associated with the period the policy wasn’t active, but would’ve been if not for the cancellation. We earn the cost of the policy for the active period, and 10% of the non-active period. This is earned because we processed the policy with the expectation that it would run its full term.On April 14, 2017, we canceled the policy at Mr. [redacted]’ request. There is an amount due after cancellation of $40.27 that’s due on April 26, 2017.I realize this isn’t the outcome that Mr. [redacted] was hoping for and I’m sorry for the frustration he’s experienced. I’m enclosing a copy of the signed application that discloses our cancellation process.If you have any questions, please feel free to call me at [redacted].Sincerely,Gwendolyn [redacted]Consumer Relations Specialist

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. 
Regards,
[redacted]

(The following was copy/paste by Revdex.com staff - [redacted]April 2, 2018Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408[redacted] [redacted]
[redacted] [redacted]
[redacted]...

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] Company Name: Progressive Specialty Insurance Company[redacted]I’m responding to your letter dated March 11, 2018. Thank you for forwarding [redacted] concerns his recent policies and the balances we’ve referred to our collection vendors.While reviewing the information you provided, I was able to locate five different polices that are affiliated with [redacted] or his wife, [redacted] They were all written by the same authorized agent at Insurance Planning out of Cincinnati, Ohio. All the policies were started with a valid payment and below is a brief history of each.[redacted] Active from July 29, 2016 until requested cancellation of November 9, 2016. Refund issued for $255.89[redacted] Active from November 14, 2016 until we cancelled the policy of December 31, 2016. Refund issued for $171.30[redacted] Active from December 30, 2016 until requested cancellation of January 28, 2017. Refund issued for $399.63[redacted] Active from February 26, 2017 until we cancelled the policy due to customer’s prior policy history effective March 26, 2017.  Balance due after policy cancel $216.70. Bill sent for coverage.[redacted] Active from March 26, 2017 to June 15, 2017 until we cancelled the policy for non- payment. This policy cancelled with a most significant balance of $2766.55. We issued a final bill  and because payment wasn’t received, the balance was referred to our collection vendor in July 2017. Please allow me to provide a specific history for this final policy- March 26, 2018 – policy issued with two vehicles for a total price of $1767. We received an initial payment of $300.  March 31, 2018 – an additional vehicle (now 3 vehicles) added to the policy, increasing the total price to $5528. April 7, 2018 – an additional vehicle (now 4 vehicles) added to the policy, increasing the total price to $6769. April 24, 2018 – we were notified that [redacted] required an SR-22 filing on the policy, increasing the total price to $7814. April 26, 2018 – received payment of $290.05.In May of 2017, we attempted to collect a payment of $2659.96, which would have paid for the May policy installment and the catch-up billing for the multiple vehicles that were added during the first months of the policy for March and April. Being at about the half way mark of the six-month policy (March, April and May), given that the total rate was approximately $7814, we would have collected about half of this amount. The $2659.96 payment was returned from [redacted] bank as not authorized. We sent a proper notice of cancellation for non-payment and cancelled the policy effective June 15, 2017. I’ve provided all the policy documents and a full breakdown showing the charges while the policy was active. The balance due of $2766.55 is accurate for the period that we provided coverage. If[redacted] sold any of the vehicles or secured other insurance coverage prior to our cancellation date of June 15, 2017, and would provide documents showing this, we’ll be happy to revise the policy cancellation date and apply any credit to the balance due.As you can see, we provided the requested coverage and are attempting to collect the balance due for the service provided.  I hope this information has provided a better understanding of what happened. We take fraud very seriously, and although [redacted] mentions that he feels fraud is involved in this situation, from the information we’ve found it appears he legitimately requested these policies. He also mentions the change in monthly installment price which is definitely going to happen when the policy experiences so many changes within the first month. That price of the policy is more than four times the original price.[redacted] can make payment arrangements through our collection vendor until the balance is satisfied. If you have any additional questions, please call me at [redacted]Sincerely,Nancy [redacted]Nancy [redacted]Consumer Relations Specialist

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. 
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Progressive seems to put all the blame on [redacted], which was recommended to me by a Progressive Agent (as I am from [redacted] and do not know the area or the dealerships). Yes, the dealings with [redacted] have been more than problematic but that still does not explain why a claim that was reported on July 5th took until July 21st to make it to the dealership. There is also no explanation of why the claim representative, Jeness P[redacted], fails to respond to me or update me unless I call and leave messages (online or offline, via phone). The only person who has been helpful was Andrew A[redacted], which I have no problem with, but that seems to be an individual effort rather than Progressive Insurance's behavior -- as I have called Progressive Customer Service (1-800 number) many times trying to get someone to address the issue and find another Claim Rep (other than Jeness P[redacted]) to handle the claim. The issue was not addressed and my calls were not even returned. I have made so many calls to the dealership and Jeness and Andrew, I practically acted like the Claim Rep pushing for these repairs and managing this project. I should not have to do that. Additionally, as of this writing, my car (who was reported to Progressive on June 5th) is still "in service." I have been without a car for literally more than 2 months!I would like to remind you that Progressive tried to close the claim, before the claim was finalized or repairs were handled, just so they can hate a date that doesn't indicate the 2 months of waiting. Additionally, they seem to side for the company who refused to even give us the name of their insurance company! Even though I provided e-mail records/proof (unlike what Progressive is stating in his letter) of [redacted] admitting the abuse and the misconduct of the vehicle, yet refusing to provide any documentation (i.e. gas receipts, repair receipts, tow receipts, etc.) what I am hearing from Progressive is plain absurd (i.e. What do you think they would say? Sure, we accept liability? That is why they are paying their legal team). Jeness P[redacted] even said "They don't give us the name of their insurance company." practically saying she is unable to get what needs to be a legally required thing and as a result of this incompetence will have to put the blame on me. Unbelievable! Unprofesional! What is so sad and ironic is that I have been a Progressive Customer for more than 10 years and I have a very low number of tiny incidents on my record. So the fact that my integrity is questioned because I complained to Revdex.com about Progressive's incompetence is just unbelievable. Progressive says my Revdex.com claim has no merit. Well, proof is in the pudding. My car is still not with me and it's been more than 2 months. Progressive is my insurance company and the first time I had to make a claim in years I have to wait 2 months and spend countless hours of my own time to manage the claim. And I still don't have my car. After 2 months. Enough said.

AttachmentBusiness response copied and pasted below by Revdex.com staff MT 3/10/17:March 10, 2017Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]
Re: File Number: [redacted]   Customer Name: [redacted]   Policy Number: [redacted] Claim...

Number: [redacted] Policy Type: Personal Auto  NAIC Code: [redacted] Company Name: Progressive Southeastern Insurance Company  Ms. T[redacted]I’m writing in reply to your inquiry dated February 28, 2017. We understand that Mr. B[redacted] is frustrated that we’re unable to cover his loss. We’re happy to review his policy and address his concern. Because, we’re a regulated business there are certain rules we have to follow. One of the rules we have to follow is that if our physical damage rates are more than the rates set by the North Carolina Rate Bureau, our customer must sign a Consent to Rate (CTR) Form accepting our higher rates. If we don’t receive the signed form back, we’ll issue a Physical Damage Cancel Notice. We sent forms on the following dates: February 5, 2016 (CTR)February 8, 2016 (CTR)February 22, 2016 (CTR & Notice of Physical Damage Cancellation)We’ll forward a stamped Certificate of Mail as soon as we receive it from our Records department. Unfortunately, Mr. B[redacted] never signed and returned the CTR Form, so we removed Physical Damage coverage from his policy effective March 4, 2016, which is prior to the claim on January 15, 2017. Because Mr. B[redacted]s policy did not have Physical Damage coverage at the time of loss, we’re unable to afford coverage. We understand that Mr. B[redacted]’ lienholder may require that he carry Physical Damage coverage on his financed vehicle, but we’re unable to offer him those coverages without his signature consenting to our rates. We’re sorry for the trouble this has caused. If Mr. B[redacted] wants to add the coverage back on to his policy, he can contact our Customer Care Center at [redacted] and we’ll be happy to assist him.  If you have any claims questions, please call Jim Armstrong at 1-919-845-5639. If you have any underwriting questions, please call Jeff Potter at 1-440-620-6940. Sincerely,Jim [redacted]                   Jeff [redacted]Jim [redacted]                         Jeff [redacted] Claims Manager            Consumer Relations SpecialistAttachments

(The following was copy/paste by Revdex.com staff - LST)[redacted]February 12, 2018Better Busin[redacted] Bureau, Inc.2800 Euclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted]Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number:...

[redacted] Company Name: Progr[redacted]ive County Mutual Insurance CompanyMr. T[redacted]Thank you for your letter dated February 5, 2018. I hope the following information helps to explain the situation.We want to upfront with all our customers. On May 26, 2015, Mr. V[redacted] purchased his policy with us effective May 27, 2015 to November 27, 2015. That same day he signed his Application, and completed paperl[redacted] enrollment. On May 27, 2015, we sent him the Application, ID Card, Payment Schedule and a checklist. The checklist asked for proof of his prior insurance to avoid a premium increase.On June 17, 2015, we sent a notice reminding Mr. V[redacted] that we still needed proof of his prior insurance by July 1, 2015 to avoid a premium increase. On July 7, 2015, we hadn’t received his proof of prior insurance and it was removed from the policy resulting in an increase of $160. We issued a Payment Schedule, Coverage Summary and a notice advising that his premium increased because we didn’t receive his prior insurance information.He was on a monthly payment plan and his payments were scheduled to be withdrawn from his account automatically. On July 27, 2015, we submitted a payment to his checking account for $188.36. On August 1, 2015, the bank notified us that the account that we had on file was closed. On August 1, 2015, we remove the automatic bill plan from the policy, which resulted in an increase of $24.37. On August 4, 2015, we issued a Cancel Notice advising that we didn’t receive his July payment and a payment of 188.36 needed to be paid on or before August 17, 2015, to prevent the cancellation of his policy.On August 8, 2015, we received Mr. V[redacted]’ proof of prior insurance and issued a new Coverage Summary to reflect the change. This resulted in a decrease of $181. On August 14, 2015, Mr. V[redacted] made a payment of $94.24 to reinstate his policy without a lapse in coverage. He also added automatic payments back to the policy and changed the August 27, 2015, withdrawal date to September 6, 2015, in the amount of $102.22.On September 4, 2015, he removed the automatic payments, and we sent him a bill for $102.22 with a due date of September 6. 2015. When we didn’t receive the payment by September 9, 2015, we issued a Cancel Notice requesting the payment by September 21, 2015, to prevent the cancellation.On September 24, 2015, we received a payment of $102.22 and reinstated the policy without a lapse in coverage. That same day, we mailed the next bill for $110.34 with a due date of October 10, 2015. We didn’t receive his payment and on October 11, 2015. A $10 late fee applied to the policy. We sent the next bill for $230.68 with a due date of October 27, 2015.On October 12, 2015, Mr. V[redacted] contacted us regarding his billing. We explained that the payment that he made on September 24, 2015, covered his August bill. We were now billing for his September and October’s payment.On October 26, 2015, we issued his November 27, 2015, Renewal and Payment Schedule. We didn’t receive a payment to renew the policy. The following is a breakdown for coverage from May 27, 2015 to November 27, 2015:Total cost of the policy $ 638.00Total amount paid        -$ 431.82Total amount due        $ 206.18On November 29, 2015, we sent Mr. V[redacted] a Final Bill for $206.18. On December 20, 2015, we sent another Final Bill for $206.18 due upon receipt. Because we hadn’t received the payment by January 8, 2015, we forwarded his account to the collection agency of [redacted]Because the amount owed is valid, I’m unable to remove it from collections. I’d like to help Mr. V[redacted]. In the complaint he mentioned that he obtained other insurance. If Mr. V[redacted] would like to submit proof showing when his policy started, I’ll be happy to review it.I’m sorry I don’t have better news. If you have questions, please call me at [redacted]Sincerely,Gwendolyn A[redacted]Gwendolyn A[redacted]Consumer Relations Specialist

May 27, 2016Revdex.com2800 Euclid Avenue, 4th FloorCleveland, OH 44115Re: File Number: [redacted] File Name: [redacted] Policy Number: [redacted]Claim Number: [redacted]Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyTo whom it...

may concern, I’m writing in reply to your letter dated May 24, 2016. We appreciate the opportunity to clarify the situation.This claim was reported to us on April 19, 2016. We contacted our customer, Ms. [redacted] on April 20, 2016. We explained the claim process and asked her to release the vehicle from the tow yard. We made contact with the tow yard on April 21, 2016; however, the tow yard refused to provide information on fees owed as they said the person in charge of that was unavailable. We were not able to pick up the vehicle until April 22, 2016. On April 25, 2016, we inspected the vehicle and declared it a total loss. We spoke with our customer on this day and let her know her vehicle is a total loss. Contact was also made with her lienholder to request a guaranty of title. On April 26, 2016, our claim file manager spoke with Ms. [redacted] and sent the total loss settlement documents via overnight mail to expedite the process. On April 27, 2016, Ms. [redacted] called and left a voicemail message for our representative. Our representative responded to Ms. [redacted] via email, providing a claim status update. On May 3, 2016, our supervisor spoke with Ms. [redacted] who confirmed the signed total loss settlement documents were received but were still waiting for the lienholder to provide the guaranty of title.  On May 8, 2016, we settled Ms. [redacted]’s total loss claim and mailed our settlement draft to her lienholder.In response to Ms. [redacted]’s question regarding an increase in her rate as of the June 18, 2016 renewal date, there are several reasons her rate increased. The April 19, 2016 accident impacted the rate. Because of this accident, the policy no longer qualified for the Five Year Accident Free Discount or the Three Year Safe Driver Discount and finally, there was an overall rate increase for customers in Florida that became effective with the renewal.I’ve reviewed the policy and see that we are offering the best rate possible to Ms. [redacted] at this time based on the policy information.I’m very sorry for any frustration or inconvenience Ms. [redacted] experienced during the claim process, it wasn’t our intention.If you have any questions please call:Ivy O[redacted] Eva D[redacted]Ivy O[redacted] Eva D[redacted]Claims Manager Consumer Relations Specialist1-305-506-2556 1-440-620-6941

Please see the attached response and supporting documentation.

Consumer Relations Department 6300 Wilson Mills Road, N71C Mayfield Village, OH 44143 Fax: 1-888-569-8942 [email protected] August 9, 2016 Revdex.com 2800 Euclid Avenue - 4th floor Cleveland, OH 44115 Attn: [redacted] Re: File...

Number: [redacted] Customer Name: [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Direct Insurance Company Ms. [redacted], I'm writing in reply to your letter dated August 2, 2016. Mr. [redacted] reported a claim on June 14, 2016, for alleged damage related to the Snapshot ® device. That same day, we contacted Mr. [redacted] to obtain information regarding his complaint. Mr. [redacted] indicated at the beginning of April 2015, he started having issued with his 1997 Mercury Sable not accelerating over 30 mph and his check engine light was flashing. Mr. [redacted] indicated he took the vehicle to Goodyear and they replaced the PCM and an ignition coil. We requested the repair paperwork for review and consideration. On June 15, 2016, we received paperwork from Mr. [redacted] dated April 11, 2015, through April 17, 2015 (copy enclosed). There was no diagnostic report to support the repairs, just an invoice for repairs for $784.66. The data collected from the Snapshot device shows the last date of contact from the device was April 8, 2015, and that we received the returned device on April 23, 2015. We reviewed the paperwork submitted by Mr. [redacted]. There’s no diagnostic report to support that the Snapshot device was the cause of failure of the PCM and ignition coil. We communicated the denial to Mr. [redacted] on June 28, 2016. I’m sorry for Mr. [redacted]’s frustration. If you have any questions, please call me at 1-440-910-7896. Sincerely, Meegan K. S[redacted] Meegan K. S[redacted] Claims Supervisor – Specialty Claims

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. 
Regards,
[redacted]

(The following was copy/paste by Revdex.com staff - LST)[redacted]May 18, 2017Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Lou T[redacted] Re: File Number: [redacted]   Customer Name: Christian [redacted]   Policy Number: [redacted]   Policy Type: Personal...

Auto NAIC Number: [redacted]  Company Name: Progressive Southeastern Insurance Company Mr. [redacted],I received your letter from May 11, 2017. I’m sorry to hear about the difficulty Mr. [redacted] is experiencing because of the outstanding balance on his prior policy. I’m glad to explain the reason for the amount owed.     On January 22, 2017, we sent Mr. [redacted] a Bill for a payment of $201.16, due by February 7, 2017. On February 11, 2017, we sent a Cancel Notice, asking for the payment of $201.16 by February 24, 2017, to prevent cancellation.On February 24, 2017, at 12:01 a.m., we canceled the policy for nonpayment, with a balance of $137.41 remaining for the coverage we provided until the cancel date. We applied an uncashed refund check for $7.14 from 2015 to the policy, which reduced the balance owed to $130.27. We canceled the policy because we didn’t receive payment by February 24, 2017. I don’t show that we got a request from Mr. [redacted] to cancel the policy prior to this date. If he bought other coverage before the cancel date and can provide documentation showing this, I’ll be happy to revise the date of the cancel and the balance owed.  I can understand that good credit is important to Mr. [redacted], and I’d like to help with updating the policy if any of the information we have is inaccurate. I’ve enclosed the billing notices we sent for reference.  If I can answer any questions, please call me at [redacted]. Sincerely, Anna O[redacted]Consumer Relations Specialist

May 2, 2016Revdex.com 2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted]   Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted]  Company Name: Progressive...

Universal Insurance Company Ms. [redacted],I’m writing in reply to your letter dated April 23, 2016. I appreciate the opportunity to address Ms. [redacted]’s concerns with the status of her policy. On February 25, 2016, Ms. [redacted] purchased a six-month policy with an initial payment of $46.98. She elected automatic payment withdrawals for the remaining payments. Ms. [redacted] has had continuous coverage with us since that time. Prior to withdrawing the scheduled payments, we sent her reminders by email.We do use credit as a factor in the determination of our rates, but we would not cancel or refuse to write a policy based on credit. We did not issue Ms. [redacted] any notices alleging termination of coverage; however, we did issue a Notice of Underwriting and Rating Decision. This is a required notice that issues when we obtain information from consumer reports, such as a credit report, which prevents the customer from receiving the best possible rate. I’ve enclosed this document for your review. If Ms. [redacted] can provide us with a copy of her declarations page from her other carrier, I’ll cancel her policy effective the date her new policy started and credit her for any time we did not provide her with coverage. As another option, Ms. [redacted] can request cancellation/refund of her policy with the other carrier to prevent duplicate coverage and maintain her current policy with us. Her policy with us will remain active until she requests to cancel. I’m sorry for any confusion Ms. [redacted] experienced. If you have questions, please call me at 1-440-910-6392. Sincerely, Anna O[redacted]Anna O[redacted]Consumer Relations Specialist

Attached is the response for file number [redacted]. If you have any prolems with the attachment, please call me at 1-[redacted] Michael F[redacted] Consumer Relations Specialist

February 29, 2016Revdex.com, Inc.2800 Euclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: [redacted]  Re: File Number: [redacted]   Customer Name: [redacted]   Claim Number: [redacted] Policy Number: [redacted] Policy Type: Personal Auto  NAIC...

Code: [redacted] Company Name: Progressive Advanced Insurance Company    Ms. [redacted],I am writing in reply to your inquiry dated February 20, 2016. I have included a timeline to help clarify Mr. [redacted]’s concern. On January 23, 2016, Mr. [redacted] reported a claim to us for an accident involving his 2007 [redacted]. On January 25, 2016, after inspection, we deemed the vehicle a total loss. We contacted both Mr. [redacted] and his lienholder, [redacted] Portfolio, to review the settlement.  On January 26, 2016, we prepared a settlement payment for $6947.02 and sent it to [redacted] at the address provided. On February 8, 2016, we received a call from Mr. [redacted] saying that [redacted] has not received payment. We immediately called [redacted] who confirmed they have not received payment. We offered to re-issue the payment, however; they advised not to reissue the payment because their mailing address is in California and they may be processing the payment.  On February 12, 2016, because we did not receive confirmation from [redacted] that they received payment, we re-issued it. On February 15, 2016 and February 16, 2016, we contacted [redacted] advising them of the re-issued payment. We also contacted Mr. [redacted] to give him a status update.   On February 24, 2016, we were able to confirm that [redacted] processed the payment for the loan.We sent Mr. [redacted]’s payment to his lienholder in timely manner. If you have any questions, please feel free to call me at 1-610-249-0507. Sincerely, Peter S[redacted] Peter S[redacted]Claims Manager

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. 
Regards,
[redacted]