Progressive Corporation

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 This matter is not resolved in my bookThe company held my car illegally and unethically, and out of compliance in regards this matterI still believe I did not owe the company anything and believe this is a billing disputeI don't agree with their response as they didn't not address the nature of my complaint Regards, [redacted]

(The following was copy/paste by Revdex.com staff - LST)***September 22, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115-2408Attn: Lou [redacted] Re: File Number: [redacted] Customer Name: Lasingya [redacted] Claim Number: [redacted] Policy Number: [redacted] Policy Type: Motorcycle NAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMr [redacted] I’m responding to your letter dated September 16, I’m sorry if Ms [redacted] felt belittled by our questions regarding the theft of her motorcycle, as this was not our intentThank you for the opportunity to provide more information about what happened.A claim was reported to us on September 15, We assigned the claim to an Ohio adjustor for an investigationDuring our conversation with Ms [redacted] on September 15, 2017, she let us know that the loss occurred on or around September 6, 2017, in the state of NebraskaTo gather additional details about the loss, we asked follquestions that would have included information on reports to the police or other authorities, witnesses, loss location, motorcycle information, key location, and prior insuranceThese are standard questions that we use to investigate claims to gather the facts and are in no way meant to offend our customers.Once we gathered the information, we recognized that both the motorcycle and Ms [redacted] were in NebraskaFor efficient service, we transferred the file to our Nebraska theft team for further handlingAt this time, the investigation is ongoing and pending resolution If you have any questions, please call me at [redacted] or reach me via email Todd_ [redacted] @Progressive.comSincerely,Todd [redacted] Todd [redacted] Claims Manager

February 15, Revdex.com Euclid Avenue - 4th floor Cleveland, OH 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 February 8, I'm sorry for any confusion, but we updated the policy correctly and we notified Mr [redacted] of the changes in writing and verbally on several occasionsOn the Application, Mr [redacted] stated that he was the only driver and household resident and he acknowledged that we’d obtain new or updated information to service his insuranceHe also agreed that we’d adjust his billing if there were any changes on the policyOn July 18, 2015, Mr [redacted] called us to reinstate his policy and change his addressDuring this conversation, we asked if there were any other drivers of driving age in the householdMr [redacted] said he lives with his cousin, [redacted] ***We advised him he had to list all family household members on the policyMr [redacted] said he didn’t have his cousin’s information at that time, so we said we’d follow up with him on the matterWe sent several notices to Mr [redacted] about his cousinOnce we added him to the policy, we notified Mr [redacted] of that change and how it affected the billingOn October 9, 2015, Mr [redacted] advised that he’d send in the form to exclude his cousinAt that time, Mr [redacted] alleged that one of our representatives said we’d backdate the exclusion to the date we added his cousinWe advised him that isn’t something we do, but we’d look into it furtherWhen we went to pull the call to see what transpired, Mr [redacted] admitted that no one told him we’d backdate the exclusionOnce we received the signed form, we excluded [redacted] on the policy and adjusted the billingWe canceled the policy at Mr***’s request and notified him of the balance he owed on the canceled policyWe advised that if he didn’t make the payment we’d send it to collectionsI’ve verified that the balance owed is correctOnce he makes the payment, the collection agency will mark it as paidHe can contact the collection agency at 1-617-969-to discuss any payment arrangementsIf you have any questions, please call me at 1-440-395-Sincerely, Dona R [redacted] Dona R [redacted] Consumer Relations Specialist Enclosures

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 June 17, 2015Complaint ID: [redacted] This letter is a response in regards to [redacted] , Claims Manager for Progressive I am not sure if [redacted] is aware but his allegation that I did not pay [redacted] for the repair is absolutely false [redacted] received payment for the repair the same day that I picked up my vehicleI am sure that [redacted] would not have released the vehicle unless payment was received [redacted] should really get his facts straight before making accusations Regarding the rental car, Progressive was not doing me any favor by paying for the rentalThis is part of my policy, meaning I actually pay for rental service on my policy with ProgressiveThe fact of the matter is, I trusted Progressive with my vehicleI dropped off my vehicle with no issues other than the damaged driver doorFinding out later that there were additional issues with my vehicle is absurd On top of the added ignition issue, [redacted] failed to state that I was told also that my remote was not workingAfter replacing the ignition, a rep from Progressive called and advised me that a new issue came to light and that my remote would not respond and that the remote was shotI am not a mechanic by profession but if a repair shop replaces an ignition system which by the way is supposed to be “the specialist”, how is it that the remote cannot be programmed? Why is it that the issues keep piling up? What proof that Progressive has that my vehicle has not been tampered with? My vehicle was dropped off to the progressive facility for a damaged door with NO OTHER ISSUE As much as Progressive feels that they are a Good Samaritan for paying for rental service that I am paying for on my policy, they need to take responsibility for all the additional damages that were added to my vehicle including, a failed ignition, damaged remote, power steering oil tank damage, several failure system check lights on my dash board, the constant slowing down and acceleration that I am experiencing while driving pass miles per hour and so onI am not making up these storiesSince I purchase the vehicle, I had no issues whatsoever beside the oil change routine, brakes etc I am not sure that anyone other than Progressive personnel would agree with this situationWhile Progressive’s business goal is to make money from people such as myself, I too have goalsI too have bills to payI do not go around ripping people off to get money to pay my billsI work hard for everything I have and I refuse to let anyone one/company to try and ruin my lifeThis has been an unbelievable experienceIt has been a nightmareIt is true that I have not yet paid the deductibleHowever, who will have to pay for the additional repairs that I have to make to my vehicle after being in Progressive possessionIT IS APPARENT THAT PROGRESSIVE IS NOT BEING VERY PROGRESSIVEI am going to fight this if it means drawing the last breath out of meI fight for what is rightI do not live to scam people nor companiesI live a simple life and try to be a decent and righteous citizenI see roadside advertisements all the time that read “Insurance Fraud = Imprisonment”Who is taking legal actions against these companies committing illegal crimes on a daily basis? Who is fighting for the consumer who puts millions of dollars in these so-called companies pockets? This is the reason why I applaud institutions such as BBC PROGRESSIVE is wrongPROGRESSIVE has caused me a great deal of stressPROGRESSIVE has financially affected my lifeIf it means for me to seek legal advice, I will do just thatIf it means to use social media and other avenues, I will do that as wellIt is time that someone take a stand against all these abusive behaviors by these big companiesENOUGH IS ENOUGH.Regards, [redacted]

(The following was copy/paste by Revdex.com staff - ***)***May 30, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, Ohio 44115Attn: [redacted] RE: File Number: [redacted] File Name: [redacted] Claim Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Select Insurance CompanyMr [redacted] ,I’m writing in reply to the pictures you sent in on behalf of Ms [redacted] .I’ve reviewed the additional information and pictures providedBased on my review of the pictures, my liability decision remains the sameThe pictures fail to prove any negligence on the part of our customer, and don’t prove he was involved in this accident.I’m sorry that Ms [redacted] disagrees with our decisionBased on the facts of the accident, I feel that we’ve made an accurate decision.Please don’t hesitate to contact me at 1-913-201-with any questions.Sincerely,Kevin V [redacted] Kevin V [redacted] Claims Manager

[redacted] April 18, Revdex.comEuclid Avenue - 4th floorCleveland, OH 44115Attn: Lou [redacted] Re: File Number: [redacted] Customer Name: Raina [redacted] Policy Number: [redacted] Policy Type: Personal AutoNAIC Number: [redacted] Company Name: Progressive Direct Insurance CompanyMr [redacted] , I’m writing in reply to your email dated April 11, Thank you for the opportunity to review Ms [redacted] ’s policy and explain our position I’ve reviewed Ms [redacted] ’s December 3, phone call to usShe advised us she just purchased a new car and would like to replace the coverage for the vehicle that was currently listed on her policyIn addition, she wanted to add Comprehensive and Collision coverage to her new carOur representative did advise Ms [redacted] that her next payment would increase to $Our representative didn’t advise her of the total annual increase, but Ms [redacted] didn’t ask for this information eitherI’m sorry we didn’t inform Ms [redacted] of the total amount that her rate would increase due to the changeWe did send her updated policy and billing documents after we made the change.Ms [redacted] ’s policy was on the electronic funds method of payment, so on December 31, 2016, we deducted the payment $from her accountOn January 12, 2017, her bank notified us that this payment wasn’t honoredWe have since canceled her policy on January 24, 2017, for nonpayment, as we didn’t receive a replacement payment Ms [redacted] owes us a balance of $This amount represents the difference between the amount we charged her, $727.92, and the total amount she paid, $ If Ms [redacted] started her new policy with [redacted] before the January 24, 2017, cancel date, she can send a copy of her new declarations page showing herself as the insured, the same vehicle that she insured on the policy with us, and the effective date of the new policyWe’ll revised her policy cancel date for duplicate coverage and issue the appropriate creditShe can send this information with her policy number on it to me at the address, fax number or email address listed aboveIf you have any questions, please call me at [redacted] Sincerely, Lisa [redacted] Consumer Relations Specialist

[redacted] September 1, 2017Revdex.comEuclid Avenue, 4th FloorCleveland, OH 44115Attn: Lou [redacted] Re: File Number: [redacted] Customer Name: Ashley [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Premier Insurance Company of IllinoisMr [redacted] ,I’m writing in reply to your email on August 28, 2017.I'm very sorry for the situation, but it was a valid unpaid debt that we sent to collectionIf we sent it to them in error, I'd immediately ask them to remove it from their recordsIn this situation, that's not what happened, so I can't do that.If Ms [redacted] makes the revised $payment, the collection agency will mark it as paid in their recordsIf she chooses not to make the payment, it will, unfortunately, remain as an unpaid debt.If you have any questions, please call me at [redacted] .Sincerely,Dona [redacted] Dona [redacted] Consumer Relations Specialist

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 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

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.attached you will find my April bank statement that's confirms that April payment was made for $ [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, Derek Buchelly

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 dealershipThere is also no explanation of why the claim representative, Jeness P***, 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-number) many times trying to get someone to address the issue and find another Claim Rep (other than Jeness P***) to handle the claimThe issue was not addressed and my calls were not even returnedI 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 projectI should not have to do thatAdditionally, 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 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 months of waitingAdditionally, 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.egas receipts, repair receipts, tow receipts, etc.) what I am hearing from Progressive is plain absurd (i.eWhat 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 meUnbelievable! Unprofesional! What is so sad and ironic is that I have been a Progressive Customer for more than years and I have a very low number of tiny incidents on my recordSo the fact that my integrity is questioned because I complained to Revdex.com about Progressive's incompetence is just unbelievableProgressive says my Revdex.com claim has no meritWell, proof is in the puddingMy car is still not with me and it's been more than monthsProgressive is my insurance company and the first time I had to make a claim in years I have to wait months and spend countless hours of my own time to manage the claimAnd I still don't have my carAfter monthsEnough said

March 29, 2016Revdex.com 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 Number: [redacted] Company Name: Progressive Southeastern Insurance Company Ms [redacted] ,I’m writing in reply to your letter dated March 21, I appreciate the opportunity to clarify the situationOn January 21, 2016, Ms [redacted] reported a claim for January 15, In our investigation of the damage, we noted that the right rear tire had significant uneven wear that supported the reported date of lossWe identified that the damage to the right quarter panel and right door was fresh and the exposed bare metal had virtually no rust.While the vehicle was on the lift, our claims representative brought Ms [redacted] back to show her the damagesWe explained that we would need to set up a second claim to provide coverage for the damages to the quarter panel and doorWe also made her aware that each claim would have a separate deductibleMr [redacted] advised us of his concerns, indicating that the loss happened when Ms [redacted] had a dentist appointment and that he had the suspension repairs completed in the summer of We agreed to research the matter further in an effort to find additional coverage and address his concerns.We contacted Mr***’s mechanic at ***’s Automotive to confirm the date of loss and obtain any documentation of body damage to the vehicle [redacted] stated he recalled there being some body damage and was surprised that Mr [redacted] was not repairing itThis information supported some related body damage from the original claimThe mechanic also confirmed that he replaced the right rear lower control armWe paid for this replacement of the lower control arm under the first claim.Our inspection revealed that there was current damage to the right rear lower control arm, which would require replacementAs Mr***’s mechanic replaced the lower control arm in the summer of 2015, and it again required replacement in February of 2016, we had clear indication of two separate losses and possibly a third to this vehicle.We contacted [redacted] at [redacted] to obtain any information that would help support the facts of loss as claimedIn speaking to ***, he was aware that Ms***’s vehicle struck something in the parking garage but was unable to recall any further details As Ms [redacted] stated she had AAA assist her with changing her flat tire after the impact, we contacted AAA in order to confirm the date of loss and any facts of loss or damages they would have noted in assisting herWe contacted AAA on three separate occasions and spoke to three different representativesAAA was unable to locate any records in for the ***s in the Indianapolis area where the loss occurredWhen we reviewed this information with Mr***, he then stated that the loss might have occurred eighteen months prior instead of twelve months, as originally reportedThis change to the date of loss now conflicted with the information we initially obtained We’ve reviewed and investigated every avenue that we could identify or that the ***s provided us, in order to find all applicable coverage for their vehicleAs a result, we’ve provided them with two accurate estimates for two clearly defined losses that they incurred and charged them the appropriate deductible as agreed upon in their policy.I’m sorry for any inconvenience the ***s experiencedIf you have questions, please call me at 1-765-479-4193.Sincerely, Brian D***Brian D***Claims Manager

August 24, 2015Revdex.com Euclid Avenue, 4th floorCleveland, OH 44115Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: United Financial Casualty Company*** [redacted] , I’m writing in reply to your letter dated August 16, I understand the [redacted] disagrees with the $Cancellation fee charged on his policyAs we have previously advised [redacted] ***, this fee was disclosed on the Application of Insurance and the Coverage Summary pages that were sent to himThis fee is charged when a customer requests cancellation of the policy or the policy cancels for non-paymentIf a customer moves out of the country or out of state, the Cancellation fee would not applyI reviewed [redacted] ***’s call requesting cancellation, and noted that he advised he no longer had the vehicle and was moving to New YorkBased on this information, the policy should have been canceled using the move out of state reasonI have requested that an additional cancel be processed on the policyThis will take a few days to processOnce this is complete, we will refund [redacted] the $Cancellation fee I’m sorry for any frustration this caused [redacted] ***If you have any questions, please call me at 1-440- [redacted] .Sincerely, Janeen H [redacted] Janeen H [redacted] Consumer Relations Specialist

February 29, 2016Revdex.com, IncEuclid 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, I have included a timeline to help clarify Mr [redacted] ’s concernOn January 23, 2016, Mr [redacted] reported a claim to us for an accident involving his [redacted] ***On January 25, 2016, after inspection, we deemed the vehicle a total lossWe contacted both Mr [redacted] and his lienholder, [redacted] Portfolio, to review the settlement On January 26, 2016, we prepared a settlement payment for $and sent it to [redacted] at the address providedOn February 8, 2016, we received a call from Mr [redacted] saying that [redacted] has not received paymentWe immediately called [redacted] who confirmed they have not received paymentWe 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 itOn February 15, and February 16, 2016, we contacted [redacted] advising them of the re-issued paymentWe 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 mannerIf you have any questions, please feel free to call me at 1-610-249-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 12161468, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, Jennifer Martinez

May 12, 2016Revdex.com 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 Direct Insurance Company Ms [redacted] ,I’m writing in reply to your letter dated May 4, I appreciate the opportunity to clarify the situationMs [redacted] ’ policy [redacted] began on November 2, 2015, with a paid in full amount of $1,We sent all of her documents, including the Auto Insurance Bills, Underwriting Memos, Declarations Pages, and Personal Injury Protection (PIP) Forms, by U.SMail to the address she provided of [redacted] ***The customer must complete the Paperless enrollment online to receive documents electronicallyWe are also required to obtain a signed PIP form on file confirming the customer’s choice to reject the coverageBecause Ms [redacted] did not complete the Paperless enrollment process or sign and return the PIP form, her rate increased by $for six monthsWhen we did not receive the payment of $203, we charged a late fee of $Although we were unable to backdate the rejection of PIP without the form to waive the total balance of $213, due to Ms [redacted] ’ issues with our online system, our service consultant applied an E-sign Discount on May 3, 2016, which reduced the balance to $We received Ms [redacted] ’ payment of $that same day.I’m sorry for the difficulty Ms [redacted] experienced with our online servicesI show she purchased a new policy with us (910009713) effective May 4, If she has any issues with accessing her new policy online or if you have questions, I can be reached at 1-440-910-Sincerely, Anna O***Anna O***Consumer Relations SpecialistEnclosures

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 Revdex.com,The company says that a rock chip magically appeared where the paint bubble was which is quite the chance but the fact is they won't let a third party settle thisI've offered to take it to a third party body shop (which I had already done to get an estimate) to get their opinionIf they said it was a rock chip (doubtful) then I would drop it but if they said it was because of issues of the paint I wanted progressive to cover itProgressive has refused, I believe this would be a fair optionBasically what they have told me is "if we say it is a rock chip, it is a rock chip and there is nothing you can do." So in any case of paint issues Progressive can just claim rock chip and refuse to cover their own faulty workI've tried multiple options to work with them including the third party I mentioned (which is one of their approved service centers) and they have refused all avenues to come to some middle ground Regards, [redacted]

(The following was copy/paste by Revdex.com staff - LST)***From: [redacted] Date: Thu, Jun 22, at 11:PMSubject: complaint: 12182937To: ***@cleveland.Revdex.com.orgI Want to thank Revdex.com for all your help got my car back today and it was in excellent condition as it once was, I am satisfied with the outcome of the body work [redacted] even offered a life time warrant on their work completionI still say it was terrible I had to go through this extent to get service , however it worked out in the end........Thanks,Ms***

March 30, 2016Revdex.com 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 Direct Insurance Company Ms [redacted] ,I’m writing in reply to your letter dated March 22, I appreciate the opportunity to clarify the situationOn February 16, 2016, Mr [redacted] called to request an extension on his payment scheduled for automatic withdrawal the following dayWe advised him that we could move the withdrawal date to February 27, 2016, but that he should call us back to request removal of the automatic payment option altogether if he still did not have the funds available by that dateWe sent Mr [redacted] confirmation of the change to his payment schedule via email to [redacted] [email protected], which was his preferred method of communicationWe also sent him payment reminders by email prior to withdrawing the scheduled paymentsOn March 21, 2016, Mr [redacted] elevated his concerns regarding the payment we withdrew on March 17, We reviewed his call from February for clarificationAt that time, we denied his request for reimbursement of bank feesI’ve taken this opportunity to review Mr***’s call from February and confirmed that as discussed, we moved the due date of his February payment ten daysThe service consultant thoroughly explained Mr***’s next options, which included removal of the automatic withdrawal should he find he could not make the payment as scheduled on February 27, After further review, we are unable to reimburse Mr [redacted] for the bank fees he incurred, as they were not a result of an error on our partWe’ve since removed the automatic payments from the policy at Mr***’s request, and we’ll send all future communications to him via U.SMailI’m sorry for the hardship Mr [redacted] has experiencedIf you have any questions, please call me at 1-440-910-6392.Sincerely, Anna O***Anna O***Consumer Relations SpecialistEnclosures

December 2, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Number: [redacted] Policy Type: Personal Auto NAIC Number: 155-Company Name: Progressive Max Insurance Company [redacted] ,I’m writing in reply to your letter dated November 27, [redacted] began her policy on [redacted] on March 30, 2016, and didn’t speak with us before the quote was purchasedBoth her and her husband’s driver’s licenses were listed as suspendedA Nissan Rogue was listed on the policy with Liability and Physical Damage coveragesThe Nissan also had a lienholder listed.We can sell a policy to customers that have suspended licensesIt’s the customer’s responsibility to know the requirements for having a vehicle registered in their stateUnfortunately, don’t know all the DMV rules for registrationsIn addition, because the Nissan had a lienholder, they would most likely need to keep Physical Damage coverages on the vehicle to satisfy their lienholder’s requirements [redacted] needs to check with her lienholder to confirm this information.Based on the information that [redacted] provided, we’re unable to honor her request to refund her money back to March 30, We provided coverage on this vehicle from March 30, 2016, until we canceled her policy effective July 30, If [redacted] has proof that her vehicle wasn’t registered from March 30, to July 30, 2016, and her lienholder doesn’t require that she maintain continuous insurance coverage on the vehicle, we could look into backdating the cancellation of her policyShe can fax any proof she has to me at 1-888-569-Once received, I will review for acceptabilityIf we backdate the cancel of her policy, and her lienholder does require continuous proof, we wouldn’t be held responsible for any fees she encountersBased on the current information, there is a balance due for coverage of $This balance is due because we attempted to take a payment from her checking account on June 30, This payment wasn’t honored by her bank, so we sent a Cancel Notice stating that she needed to make a payment of $or the policy would cancel on July 30, This balance wasn’t paid, and the policy canceled for nonpayment on July 30, The $is a valid amount dueIf you have questions, please call me at 1-440-620- Sincerely,Stephanie C***Stephanie C***Consumer Relations Specialist

October 21, 2016Revdex.com, IncEuclid Ave, 4th floor Cleveland, Ohio 44115-2408Attn: [redacted] Re: File Number: [redacted] Customer Name: [redacted] Policy Numbers: [redacted] and [redacted] Policy Type: Personal Auto NAIC Number: [redacted] Company Name: Progressive Advanced Insurance CompanyMs [redacted] ,I’m writing in reply to your letter dated October 13, 2016.Mr [redacted] had policy with us from November 20, to July 19, He began policy [redacted] on September 14, At that time, his proof of prior insurance was listed as a to day lapseBecause of this, we requested proof of his prior insuranceBecause Mr [redacted] had over a day lapse, he is unable to provide the requested proofAfter reviewing Mr***’s policies and his inquiry to the Revdex.com, I’ve made an accommodation to honor the current prior insurance status of a to day lapseWe no longer need proof of his previous insurance and his price won’t change based on his prior insurance I’m sorry for any frustration this situation has caused Mr***If you have questions, please call me at 1-440-620- Sincerely,Stephanie C***Stephanie C***Consumer Relations Specialist