Thank you for sending the follow up response to Mr [redacted] ’s complaint which we received on December 3, We believe our four previous responses have addressed Mr [redacted] ’s concerns, and we have nothing further to add
Thank you for sending the complaint filed by MrEric ***, which we received on December 29, 2015.We understand that he would like a detailed explanation regarding this billingWe appreciate theopportunity to address his concerns.It is our procedure that when a policy is placed in a pending cancel status due to a payment reversal, thepolicy must remain on full payment for the remainder of the policy term.Mr [redacted] has paid the balance owed on his November 1, to May 1, 2016, policy termIf Mr***would like to update his policy to one of our monthly payment plans, effective for his May 1, 2016renewal term, he just needs to contact our Client Service department prior to May 1, to update hispolicy
Thank you for sending the complaint filed by Mr [redacted] , which we received on June 25, 2015.We understand that he feels there was a delay processing the claimWe appreciate the opportunity toaddress his concerns.When our insured, Mr [redacted] , filed this claim on May 22, 2015, he did not provide us with Mr[redacted] 's contact informationAccording to our file notes, we lacked this information until June 15,2015, when we spoke with Mr [redacted] .On June 24, 2015, we obtained a statement regarding the accident details from Mr [redacted] At that time,we requested Mr [redacted] forward us photographs of the damage to his bicycle and receipts to assist usin detennining the repair or replacement cost for his bicycle.We are currently attempting to reach our insured for his statement as to how the accident happenedOncewe have our insured's statement as well as receipts and photos ofMr [redacted] 's bicycle, we will be in aposition to determine liability for this accidentOnce our determination is reached, we will promptlyadvise Mr [redacted] of our decision on this claim.As of June 26, 2015, we have not received any information relating to the damages to Mr [redacted] 'sbicycleAdditionally, we assigned an injury adjuster to resolve Mr [redacted] 's injury claim oncetreatment is completeThe adjuster will contact Mr [redacted] in the coming days to discuss the process.If you have any questions about this information, you may contact me at I ###-###-####, Ext####
Thank you for sending the follcomplaint filed by Mr [redacted] , which we received onSeptember 15, We appreciate the opportunity to address his additional concerns.We are unable to alter our decision regarding the roof repairs, as we have researched any reported andtracked storms using professional, reputable databases ( [redacted] ***).We received the interior estimate from [redacted] Their estimate was for $2,A payment for$1,was issued on September 15, 2015, which reflects the deduction of the $1,policy deductible.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Dear Mr [redacted] :Thank you for sending the complaint filed by Mr [redacted] ***, which we received on March 3, We understand that he would like additional information about the cancellation and billing on his policyWe appreciate the opportunity to address his concerns and feel the following timeline will help provide clarity.• On August 11, 2013, Mr [redacted] started his automobile insurance policyHe elected an automated billing method that would charge his full six-month premium upon his renewal datesEach renewal, a billing notice was sent along with his paperwork confirming that this was his billing method and when the charge would occur.• On May 29, 2015, we mailed Mr [redacted] his August 11, renewal paperworkIncluded in his renewal paperwork was a credit charge card notice indicating that we would be charging $for his August 11, through February 11, term on August 11, 2015.• On August 11, 2015, we charged $to Mr***’s credit card, but we received a decline for the payment.• On August 12, 2015, we mailed Mr [redacted] a notice of pending cancellation indicating that his automobile policy was set to cancel as of 12:01a.mon August 27, for non-payment of premium.• On August 13, 2015, we placed an automated call to the phone number on file advising that there had been a payment reversal.• On August 27, 2015, Mr***’s automobile policy cancelled for non-payment of premium.• On September 2, 2015, we mailed a cancellation letterThe letter included a bill for the $outstanding balance for the coverage we provided from August 11, through August 27, On this notice, we indicated that if we did not receive payment, Mr [redacted] would be contacted by our collection agency.• On October 2, 2015, we mailed Mr [redacted] another billing notice for $76.34.• On October 27, 2015, we mailed Mr [redacted] a final reminder notice for $76.34.• On March 1, 2016, Mr [redacted] contacted us to ask why his policy had not been cancelled as of August 11, We indicated that his policy had been set to automatically renew since its inception, and if we are not advised of the desire to cancel, we continue to renew it.If Mr [redacted] would like us to backdate cancellation of his automobile policy, he simply needs to provide proof that he had other insurance on the dates in questionWe will accept a declaration page from his current insurance companyHe may send his information using one of the following options:• Fax: ###-###-#### (Attn: Policy [redacted] )• Email: [redacted] • Mailing Address: Ameriprise Auto & Home Insurance P.OBox 19054Green Bay, WI 54307-9054Once we receive that declaration page, we will review the dates and coverage to determine if a refund is warranted.If you have any questions about this information, you may contact me at ###-###-####, Ext5994.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***s Unfortunatley, the response from Ameriprise was Not Completley trueI stated that [redacted] lived with us because he was staying here for two weeks and not permanentlyBecause I am new to learning how car insurance works I was confused by the representative's questionsOnce I actually understood that they were adding [redacted] on to my vehicle policy I refused the coverageMy intent was to help him get his own insurance for his OWN vehicleNext thing I knew I was being told I had no choice but to add him on as a rider to my carI will be sending Ameriprise paperwork for where [redacted] actually lives in hopes to resolve this matter
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on July 31, 2015.We understand that he would like his homeowners insurance policy cancelled effective March 9, 2015,and a premium refundWe appreciate the opportunity to address his concerns.If Mr [redacted] can provide closing papers showing he sold his home on March 9, 2015, we will considerbackdating the cancellation and providing an additional refundWe contacted Mr [redacted] today andinformed him of the same.If you have any questions about this information, you may contact me at I ###-###-####, Ext***
Thank you for sending the complaint filed by Ms [redacted] ***, which we received on February 4, 2016.We understand that she disagrees with the outstanding balance owed on the homeowner’s insurancepolicyWe appreciate the opportunity to address her concerns.On February 10, 2016, I spoke with a representative at [redacted] and confirmed that they did notsend an escrow payment for the homeowner’s policy renewal due on November 22, Since we didnot have record that the property was sold, payment was still expected for the November 22, 2015renewal termWhen we did not receive payment, the policy cancelled for non-payment of premium onJanuary 11, 2016.Upon further review, noting that Ms [redacted] advised that the property was sold, we backdated thecancellation of Ms***’ home policy to November 22, and wrote off the $balance.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Dear Mr [redacted] :Thank you for sending the complaint filed by Ms [redacted] , which we received on January 22,We appreciate the opportunity to address her concerns and believe the following timeline will helpprovide clarification.• On September 14, 2014, we mailed a new renters policy packet, which included a declaration page forthe term of September 27, to September 27, The named insureds on the policy were Ms[redacted] and Ms [redacted] .• On August 14, 2015, we mailed a renewal packet that included a declarations page for the term ofSeptember 27, to September 27, The named insureds on the policy were still Ms [redacted] and Ms [redacted] .• On October 8, 2015, Ms [redacted] called to remove herself from the policy due to a divorceWe maileda declaration page to the address on file explaining a change had been made to the policy as well aspremium information.• On October 16, 2015, we called and left a voicemail for Ms [redacted] to ask for Ms [redacted] ’s contactinformation.• On October 29, 2015, Ms [redacted] called back and stated she did not have Ms [redacted] ’s contactinformation – and to the best of her knowledge, she believed that Ms [redacted] still lived at theaddress on file.• On November 12, 2015, we mailed a notice of pending cancellation to the address on file explainingthat if the premium payment was not made by November 27, 2015, the policy would cancel for nonpayment.• On December 3, a letter of cancellation and billing notification were mailed to explain thepolicy had cancelled on November 27, 2015.• January 4, 2016, a second billing notification was mailed for the outstanding balance of $38.28.• On January 11, 2016, Ms [redacted] called to ask why the policy had cancelledWe explained that itwas due to the non-payment of premiumWe said we would backdate the effective date ofcancellation by days if she could provide proof of insurance on the propertyMr [redacted] declined and made payment for the outstanding balance due.If you have any questions about this information, you may contact me at ###-###-####, Ext***
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, it was a someone else who had geico insurance had not at fault accident with his car in Mar He went to other person's insurance resolved problemIt was nothing to do with me or my driving record and it was not incident through my insuranceWhy do you consider it was my fault? Only because he is a second driver of my car? You increased my insurance premium for second time because this is considered my driving history? That is just wrong! Please explain Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 This company is starting to get it done, however I will check the mail for the refund check[redacted] Regards, [redacted]
Thank you for sending the complaint filed by Mr [redacted] , which we received on August 26, We understand that he feels there was a delay processing the claimWe appreciate the opportunity to address his concerns.Mr [redacted] was concerned about the fact that the policy purchased by Ms [redacted] on-line through Progressive was underwritten and serviced by IDS Property Casualty Insurance CompanyThe website contains verbiage that clarifies the insurance is underwritten by us, and explains where we are locatedA confirmation of the purchase is provided and it includes the coverages the buyer chose in the transactionAll policy quotes, declaration pages of the policies, new business and renewal business documents and any other written correspondence clearly lists our company information.As of the date of this letter, we paid Mr [redacted] $97,and that amount by coverage under his Homeowner policy is as follows:Coverage A /Dwelling: total paid $47,(Includes emergency services, Althouse Restore, invoice paid $on July 1, 2016)Replacement Cost Value: $55,088.56Depreciation: $ 6,973.98Actual Cash Value: $48,114.58Deductible: $ 1,000.00Payment: $47,Payment issued July 8, 2016It was determined during the site inspection that the structure components/framing members were not physically damaged by fire, rather, the interior materials/finishings needed to be removed and replaced with like kind and quality material/finishingsNo visible fire damage was found to the exterior or the roofing system or surface.Coverage C/Contents: total paid $46,238.91NOTE: the full amount of Contents Insurance applicable to the property for which the claim was presented is $68,880.00Cost to Repair or Replace Contents $80,385.09Depreciation Amount $32,944.72Actual Cash Value $47,440.37Covered Loss at Actual Cash Value $47,440.37Settlement Amount $47,440.37Advance Payment of June 24, $ 5, 000.00Final Payment August 24, $42,440.37We issued a $5,initial payment to the customer on June 24th, 2016.We issued two Coverage C payments on August 24, as follows:Computer $ 1,201.46Personal Property $41,238.91Coverage D/ALE (Additional Living Expense): total paid to date based on receipts received from the insured $2,392.50Hotel receipt: $IssuedJuly 21, 2016Additional receipts for ALE: $ Issued August 25, 2016The outstanding items that exist on Mr [redacted] ’s claim are:Coverage A- Recoverable depreciation -$ 6,973.98Coverage C- Recoverable depreciation - $21,439.63, up to the $68,policy limitALE: additional amounts unknown at this timeMr [redacted] received a spreadsheet outlining his payments and a letter explaining how to claim his recoverable depreciation by submitting invoices, cancelled checks or other supporting documents.If you have any questions about this information, you may contact me at ###-###-####, Ext6698.Sincerely, [redacted] Home Claims Divisional ManagerIDS Property Casualty Insurance Company
Thank you for sending the complaint filed by Mr[redacted] , which we received on November 23, We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity to address his concerns.We would like to assure Mr [redacted] that he has coverage on his auto policy for comprehensive losses which include water damageHowever, the auto insurance policy does not cover losses that occur over a period of time.Our appraiser inspected Mr [redacted] ’s BMW with the shop’s service technician present and the technician pointed out the cause of the problem, which is a plugged drainWith each water event, the drain retains water as it is partially pluggedThe overflow water runs into the container housing the electrical modulesThe technician reported that when he opened this container, the modules were completely submergedOur appraiser inspected them individually, and identified corrosion within the electrical connection of the modulesThe presence of corrosion identifies this as a problem occurring over a period of time as a result of wear on the modules from exposure to the water.We understand Mr [redacted] ’s frustration with the situation, however, we must respectfully maintain our denial of Mr [redacted] ’s claim.If you have any questions about this information, you may contact me at ###-###-####, Ext***.Sincerely, [redacted]
Thank you for sending the complaint filed by Ms [redacted] **, which we received on July 13, We understand that she disagrees with our decision regarding the claimWe appreciate the opportunity to address her concerns.Ms [redacted] was involved in an auto accident on May 14, She advised us she was injured in the loss, but did not receive any medical treatment following the accident and travelled internationally for a period of time post-accidentAfter a gap of days, Ms [redacted] sought medical treatmentShe is asking that we consider all medical costs she incurred as well as reimbursement for her lost timeWe extended offers to Ms**, but explained we cannot consider all the medical charges she incurred due to the gap between the accident date and her treatment datesShe is currently considering our most recent offer of July 11, 2016.If you have any questions about this information, you may contact me at ###-###-####, Ext5183.Sincerely,
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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] Thank you very much for the response!Unfortunately I have explained why I didn't contact Ameriprise earlier about the unilateral cancellation action by Ameriprise before October in my last response I am trying my best to explain this again Since the prerequisite conditions didn't meet or satisfy per Ameriprise policy which are 1) the effective of [redacted] house policy doesn't exist; 2) [redacted] house is still the primary residency.Therefore the cancellation of the [redacted] house is completely a mistake by Ameriprise Why should we take immediate action or quick response to something that is purely a mistake?? Again, please help correct the mistake and be responsible to reinstate the policy without any changes needed asap without further delay!!! Thank you very much for your attention!
I would appreciate a phone call back with an explanation as to why none of my concerns were taken into consideration, why all of my voicemails had been ignored and also an apology for the poor customer service
Thank you for sending the complaint filed by Ms [redacted] , which we received on June 23,We understand that she would like an explanation of why her policy was not cancelledWeappreciate the opportunity to address her concerns.We believe the following timeline will provide clarification.• On June 18, 2010, we issued Ms [redacted] a renter's policy and we mailed all of the appropriatepaperwork to her.• With Ms [redacted] 's authorization, we issued her policy on a credit card full payment plan.• On May 5,2015, we mailed Ms [redacted] her renewal and payment notice for the June 18, 2015,to June 18, 2016, policy term.• On June 18,2015, we attempted to charge $to Ms [redacted] 's American Express cardending in ***, and it was returned to us as declined.• On June 19, 2015, we sent notice of pending cancellation informing Ms [redacted] we would needpayment by July 4, 2015, or the policy would cancel for non-payment of premium.• On June 20, 2015, we placed an automated call to Ms [redacted] informing her of the paymentreversal.• On June 22, 2015, Ms [redacted] called to inform us that this policy should have been cancelledback in August of 2013, when she moved in with her sisterWe informed Ms [redacted] her policyautomatically renews unless she requests cancellation of her policy.We informed Ms [redacted] the policy allows the insured to cancel the policy anytime; however, itstipulates that the cancel date must be later than the date it is requested:You may cancel this policy by returning it to us or by notifying us in writing of the date to cancel, whichmust be later than the date you mail or deliver it to us.When the policy is cancelled appropriately, we provide a pro rata refund to the insured according to thefollowing policy provision:When this policy is cancelled, the premium paid beyond the date of cancellation will be refundedTherefund premium will be pro rataThis means that we'll keep premium for only those days that you wereprotected.Prior to June 22, 2015, our last conversation with Ms [redacted] was on August 2, 12, when shecalled to update the credit card listed on her policyIf Ms [redacted] would have had a loss during thistime period, we would have covered it.We cancelled Ms [redacted] renter's policy effective for June 18,2015, and she asked us to provideher copies of the renewal information we mailed to her for her 12, 2013, and policy terms, alongwith a copy of the policy booklet and her cancellation noticeWe mailed the requested copies to her onJune 24,
Thank you for sending the complaint filed by Mr [redacted] ***s, which we received on [redacted] 1, We understand that he would like additional details surrounding a change in premiumWe appreciate the opportunity to address his concerns.On March 16, 2016, Mr***s requested the addition of [redacted] [redacted] and a Ford Ranger to his policy and also get a quoteWe questioned if [redacted] resided in the household? Mr***s said, yesWe questioned who the Ford Ranger was titled to? Mr [redacted] said to [redacted] ’s motherWe questioned what the relationship was between him and [redacted] ? He said [redacted] was his step mother’s little brotherWe again confirmed that [redacted] resided in the household and Mr [redacted] stated yesWe questioned if [redacted] had other insurance? Mr [redacted] said, no.We informed Mr [redacted] we would not be able to add the vehicle due to the titling of the vehicle, but we would be able to add [redacted] to the policyMr [redacted] said, ok and wanted to know if this would provide [redacted] insurance? We informed him it would but there would be no coverage for the vehicleHe understood.Once we informed Mr [redacted] of the premium with [redacted] added to the policy he stated he did not want to add [redacted] to the policy if his premium was going to increaseWe informed Mr [redacted] that because [redacted] is a licensed driver in the household without other insurance he would need to be listed as a driver on the policy.If Mr [redacted] can provide documentation that [redacted] permanently resides at a different residence and/or has other insurance with Bodily Injury limits equal to his, we remain willing to consider removing him from the policy.For reference, our Insured Person guideline includes the following:"We will pay damages for which an insured person is legally liable because of bodily injury or property damage resulting from the ownership, maintenance or use of a car or utility trailerAn insured person means: you or a relative; a person using your insured carA relative is defined as a person living in your household and related to you by blood, marriage or adoption, including a ward or foster child and who doesn't own a car and whose spouse doesn't own a car."If you have any questions about this information, you may contact me at ###-###-####, Ext5239.Sincerely,
Thank you for sending the complaint filed by our insured, Ms [redacted] ***, which we received on July 2,We understand that she feels there was a delay processing the claimWe appreciate the opportunityto address her concerns.On January 8, 2015, Ms [redacted] reported an accident in the parking lot at [redacted] Medical Center inChula Vista, CaliforniaWe obtained statements from both drivers who confmned they were both backingout of parking spaces when their vehicles collidedMs [redacted] has maintained she had more control of theaisle when the claimant backed into her vehicle.Unfortunately, the claimant's insurance company, AAA Insurance, disagreed with our assessment ofliability and found Ms [redacted] 100% responsible for backing into their insured's stopped vehicleWe couldnot reach an agreement with AAA as to who was at fault for this accident; therefore, we are sending thecase to Intercompany Arbitration where an independent arbitrator will determine if there is sufficientevidence to recover both Ms***'s $deductible as well as our payment.On January 27,2015, we explained to Ms [redacted] that she would be responsible for paying the $500Collision deductible while we paid the remaining $1,to repair the damage to her vehicleWe saidwe would attempt to recover her deductible from AAA, but we could not guarantee that we would besuccessful.Regardless of who is responsible for the accident, the deductible is owed once repairs are completedWeimmediately attempt to recover the deductible when our insured is not responsible and the other insurancecompany agreesHowever, in the event of a parking lot accident, it is often difficult to place one party atfault rather than the other, particularly when the parties disagree as to how the accident happened.Ms [redacted] does have the option of pursuing her $deductible directly from AAATheir contactinformation is: [redacted] We understand that Ms [redacted] is frustrated with the length of lime is taking to recover her deductibleIt isalways our intention to resolve all claims quickly, but when a case goes to arbitration, it does requiremore timeWe regret that Ms [redacted] feels there is a delay, but we assure you that it is not in any wayintentional.If you have any questions about this infoffi1ation, you may contact me at ###-###-####5, Ext####.Sincerely, [redacted]
Thank you for sending the complaint filed by Ms [redacted] , which we received on September 22,We understand that she would like her non-sufficient fund fees refundedWe appreciate theopportunity to address her concerns.On July 30, 2015, Ms [redacted] requested a homeowner's quote for her property located at [redacted] ***, [redacted] We verified Ms [redacted] wanted the policy to be effective for September13,2015, and on preauthorized withdrawal for billingMs [redacted] agreedSince receiving hercomplaint, we have reviewed the initial phone call, and Ms [redacted] did agree to purchase the policy.On July 31, 2015, we mailed Ms [redacted] her information regarding the new policy along with apreauthorized withdrawal notice informing her we would be withdrawing $from her checkingaccount on September 13, 2015.We did not hear from Ms [redacted] between July 31,and September 16, Ms [redacted] contactedus on September 16, 2015, to inform us she did not want our policy and requested the cancellation of it.Ms [redacted] requested reimbursement of her nonsufficient fund fees.We provided the appropriate documentation informing Ms [redacted] we would be withdrawing the paymentfrom her checking account on September 13, 2015; therefore, we will not be reimbursing hernonsufficient fund fees
Thank you for sending the follow up response to Mr [redacted] ’s complaint which we received on December 3, We believe our four previous responses have addressed Mr [redacted] ’s concerns, and we have nothing further to add
Thank you for sending the complaint filed by MrEric ***, which we received on December 29, 2015.We understand that he would like a detailed explanation regarding this billingWe appreciate theopportunity to address his concerns.It is our procedure that when a policy is placed in a pending cancel status due to a payment reversal, thepolicy must remain on full payment for the remainder of the policy term.Mr [redacted] has paid the balance owed on his November 1, to May 1, 2016, policy termIf Mr***would like to update his policy to one of our monthly payment plans, effective for his May 1, 2016renewal term, he just needs to contact our Client Service department prior to May 1, to update hispolicy
Thank you for sending the complaint filed by Mr [redacted] , which we received on June 25, 2015.We understand that he feels there was a delay processing the claimWe appreciate the opportunity toaddress his concerns.When our insured, Mr [redacted] , filed this claim on May 22, 2015, he did not provide us with Mr[redacted] 's contact informationAccording to our file notes, we lacked this information until June 15,2015, when we spoke with Mr [redacted] .On June 24, 2015, we obtained a statement regarding the accident details from Mr [redacted] At that time,we requested Mr [redacted] forward us photographs of the damage to his bicycle and receipts to assist usin detennining the repair or replacement cost for his bicycle.We are currently attempting to reach our insured for his statement as to how the accident happenedOncewe have our insured's statement as well as receipts and photos ofMr [redacted] 's bicycle, we will be in aposition to determine liability for this accidentOnce our determination is reached, we will promptlyadvise Mr [redacted] of our decision on this claim.As of June 26, 2015, we have not received any information relating to the damages to Mr [redacted] 'sbicycleAdditionally, we assigned an injury adjuster to resolve Mr [redacted] 's injury claim oncetreatment is completeThe adjuster will contact Mr [redacted] in the coming days to discuss the process.If you have any questions about this information, you may contact me at I ###-###-####, Ext####
Thank you for sending the follcomplaint filed by Mr [redacted] , which we received onSeptember 15, We appreciate the opportunity to address his additional concerns.We are unable to alter our decision regarding the roof repairs, as we have researched any reported andtracked storms using professional, reputable databases ( [redacted] ***).We received the interior estimate from [redacted] Their estimate was for $2,A payment for$1,was issued on September 15, 2015, which reflects the deduction of the $1,policy deductible.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Dear Mr [redacted] :Thank you for sending the complaint filed by Mr [redacted] ***, which we received on March 3, We understand that he would like additional information about the cancellation and billing on his policyWe appreciate the opportunity to address his concerns and feel the following timeline will help provide clarity.• On August 11, 2013, Mr [redacted] started his automobile insurance policyHe elected an automated billing method that would charge his full six-month premium upon his renewal datesEach renewal, a billing notice was sent along with his paperwork confirming that this was his billing method and when the charge would occur.• On May 29, 2015, we mailed Mr [redacted] his August 11, renewal paperworkIncluded in his renewal paperwork was a credit charge card notice indicating that we would be charging $for his August 11, through February 11, term on August 11, 2015.• On August 11, 2015, we charged $to Mr***’s credit card, but we received a decline for the payment.• On August 12, 2015, we mailed Mr [redacted] a notice of pending cancellation indicating that his automobile policy was set to cancel as of 12:01a.mon August 27, for non-payment of premium.• On August 13, 2015, we placed an automated call to the phone number on file advising that there had been a payment reversal.• On August 27, 2015, Mr***’s automobile policy cancelled for non-payment of premium.• On September 2, 2015, we mailed a cancellation letterThe letter included a bill for the $outstanding balance for the coverage we provided from August 11, through August 27, On this notice, we indicated that if we did not receive payment, Mr [redacted] would be contacted by our collection agency.• On October 2, 2015, we mailed Mr [redacted] another billing notice for $76.34.• On October 27, 2015, we mailed Mr [redacted] a final reminder notice for $76.34.• On March 1, 2016, Mr [redacted] contacted us to ask why his policy had not been cancelled as of August 11, We indicated that his policy had been set to automatically renew since its inception, and if we are not advised of the desire to cancel, we continue to renew it.If Mr [redacted] would like us to backdate cancellation of his automobile policy, he simply needs to provide proof that he had other insurance on the dates in questionWe will accept a declaration page from his current insurance companyHe may send his information using one of the following options:• Fax: ###-###-#### (Attn: Policy [redacted] )• Email: [redacted] • Mailing Address: Ameriprise Auto & Home Insurance P.OBox 19054Green Bay, WI 54307-9054Once we receive that declaration page, we will review the dates and coverage to determine if a refund is warranted.If you have any questions about this information, you may contact me at ###-###-####, Ext5994.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] ***s Unfortunatley, the response from Ameriprise was Not Completley trueI stated that [redacted] lived with us because he was staying here for two weeks and not permanentlyBecause I am new to learning how car insurance works I was confused by the representative's questionsOnce I actually understood that they were adding [redacted] on to my vehicle policy I refused the coverageMy intent was to help him get his own insurance for his OWN vehicleNext thing I knew I was being told I had no choice but to add him on as a rider to my carI will be sending Ameriprise paperwork for where [redacted] actually lives in hopes to resolve this matter
Thank you for sending the complaint filed by Mr [redacted] ***, which we received on July 31, 2015.We understand that he would like his homeowners insurance policy cancelled effective March 9, 2015,and a premium refundWe appreciate the opportunity to address his concerns.If Mr [redacted] can provide closing papers showing he sold his home on March 9, 2015, we will considerbackdating the cancellation and providing an additional refundWe contacted Mr [redacted] today andinformed him of the same.If you have any questions about this information, you may contact me at I ###-###-####, Ext***
Thank you for sending the complaint filed by Ms [redacted] ***, which we received on February 4, 2016.We understand that she disagrees with the outstanding balance owed on the homeowner’s insurancepolicyWe appreciate the opportunity to address her concerns.On February 10, 2016, I spoke with a representative at [redacted] and confirmed that they did notsend an escrow payment for the homeowner’s policy renewal due on November 22, Since we didnot have record that the property was sold, payment was still expected for the November 22, 2015renewal termWhen we did not receive payment, the policy cancelled for non-payment of premium onJanuary 11, 2016.Upon further review, noting that Ms [redacted] advised that the property was sold, we backdated thecancellation of Ms***’ home policy to November 22, and wrote off the $balance.If you have any questions about this information, you may contact me at ###-###-####, Ext***
Dear Mr [redacted] :Thank you for sending the complaint filed by Ms [redacted] , which we received on January 22,We appreciate the opportunity to address her concerns and believe the following timeline will helpprovide clarification.• On September 14, 2014, we mailed a new renters policy packet, which included a declaration page forthe term of September 27, to September 27, The named insureds on the policy were Ms[redacted] and Ms [redacted] .• On August 14, 2015, we mailed a renewal packet that included a declarations page for the term ofSeptember 27, to September 27, The named insureds on the policy were still Ms [redacted] and Ms [redacted] .• On October 8, 2015, Ms [redacted] called to remove herself from the policy due to a divorceWe maileda declaration page to the address on file explaining a change had been made to the policy as well aspremium information.• On October 16, 2015, we called and left a voicemail for Ms [redacted] to ask for Ms [redacted] ’s contactinformation.• On October 29, 2015, Ms [redacted] called back and stated she did not have Ms [redacted] ’s contactinformation – and to the best of her knowledge, she believed that Ms [redacted] still lived at theaddress on file.• On November 12, 2015, we mailed a notice of pending cancellation to the address on file explainingthat if the premium payment was not made by November 27, 2015, the policy would cancel for nonpayment.• On December 3, a letter of cancellation and billing notification were mailed to explain thepolicy had cancelled on November 27, 2015.• January 4, 2016, a second billing notification was mailed for the outstanding balance of $38.28.• On January 11, 2016, Ms [redacted] called to ask why the policy had cancelledWe explained that itwas due to the non-payment of premiumWe said we would backdate the effective date ofcancellation by days if she could provide proof of insurance on the propertyMr [redacted] declined and made payment for the outstanding balance due.If you have any questions about this information, you may contact me at ###-###-####, Ext***
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, it was a someone else who had geico insurance had not at fault accident with his car in Mar He went to other person's insurance resolved problemIt was nothing to do with me or my driving record and it was not incident through my insuranceWhy do you consider it was my fault? Only because he is a second driver of my car? You increased my insurance premium for second time because this is considered my driving history? That is just wrong! Please explain Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 This company is starting to get it done, however I will check the mail for the refund check[redacted] Regards, [redacted]
Thank you for sending the complaint filed by Mr [redacted] , which we received on August 26, We understand that he feels there was a delay processing the claimWe appreciate the opportunity to address his concerns.Mr [redacted] was concerned about the fact that the policy purchased by Ms [redacted] on-line through Progressive was underwritten and serviced by IDS Property Casualty Insurance CompanyThe website contains verbiage that clarifies the insurance is underwritten by us, and explains where we are locatedA confirmation of the purchase is provided and it includes the coverages the buyer chose in the transactionAll policy quotes, declaration pages of the policies, new business and renewal business documents and any other written correspondence clearly lists our company information.As of the date of this letter, we paid Mr [redacted] $97,and that amount by coverage under his Homeowner policy is as follows:Coverage A /Dwelling: total paid $47,(Includes emergency services, Althouse Restore, invoice paid $on July 1, 2016)Replacement Cost Value: $55,088.56Depreciation: $ 6,973.98Actual Cash Value: $48,114.58Deductible: $ 1,000.00Payment: $47,Payment issued July 8, 2016It was determined during the site inspection that the structure components/framing members were not physically damaged by fire, rather, the interior materials/finishings needed to be removed and replaced with like kind and quality material/finishingsNo visible fire damage was found to the exterior or the roofing system or surface.Coverage C/Contents: total paid $46,238.91NOTE: the full amount of Contents Insurance applicable to the property for which the claim was presented is $68,880.00Cost to Repair or Replace Contents $80,385.09Depreciation Amount $32,944.72Actual Cash Value $47,440.37Covered Loss at Actual Cash Value $47,440.37Settlement Amount $47,440.37Advance Payment of June 24, $ 5, 000.00Final Payment August 24, $42,440.37We issued a $5,initial payment to the customer on June 24th, 2016.We issued two Coverage C payments on August 24, as follows:Computer $ 1,201.46Personal Property $41,238.91Coverage D/ALE (Additional Living Expense): total paid to date based on receipts received from the insured $2,392.50Hotel receipt: $IssuedJuly 21, 2016Additional receipts for ALE: $ Issued August 25, 2016The outstanding items that exist on Mr [redacted] ’s claim are:Coverage A- Recoverable depreciation -$ 6,973.98Coverage C- Recoverable depreciation - $21,439.63, up to the $68,policy limitALE: additional amounts unknown at this timeMr [redacted] received a spreadsheet outlining his payments and a letter explaining how to claim his recoverable depreciation by submitting invoices, cancelled checks or other supporting documents.If you have any questions about this information, you may contact me at ###-###-####, Ext6698.Sincerely, [redacted] Home Claims Divisional ManagerIDS Property Casualty Insurance Company
Thank you for sending the complaint filed by Mr[redacted] , which we received on November 23, We understand that he disagrees with our decision regarding the claimWe appreciate the opportunity to address his concerns.We would like to assure Mr [redacted] that he has coverage on his auto policy for comprehensive losses which include water damageHowever, the auto insurance policy does not cover losses that occur over a period of time.Our appraiser inspected Mr [redacted] ’s BMW with the shop’s service technician present and the technician pointed out the cause of the problem, which is a plugged drainWith each water event, the drain retains water as it is partially pluggedThe overflow water runs into the container housing the electrical modulesThe technician reported that when he opened this container, the modules were completely submergedOur appraiser inspected them individually, and identified corrosion within the electrical connection of the modulesThe presence of corrosion identifies this as a problem occurring over a period of time as a result of wear on the modules from exposure to the water.We understand Mr [redacted] ’s frustration with the situation, however, we must respectfully maintain our denial of Mr [redacted] ’s claim.If you have any questions about this information, you may contact me at ###-###-####, Ext***.Sincerely, [redacted]
Thank you for sending the complaint filed by Ms [redacted] **, which we received on July 13, We understand that she disagrees with our decision regarding the claimWe appreciate the opportunity to address her concerns.Ms [redacted] was involved in an auto accident on May 14, She advised us she was injured in the loss, but did not receive any medical treatment following the accident and travelled internationally for a period of time post-accidentAfter a gap of days, Ms [redacted] sought medical treatmentShe is asking that we consider all medical costs she incurred as well as reimbursement for her lost timeWe extended offers to Ms**, but explained we cannot consider all the medical charges she incurred due to the gap between the accident date and her treatment datesShe is currently considering our most recent offer of July 11, 2016.If you have any questions about this information, you may contact me at ###-###-####, Ext5183.Sincerely,
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 [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted] Thank you very much for the response!Unfortunately I have explained why I didn't contact Ameriprise earlier about the unilateral cancellation action by Ameriprise before October in my last response I am trying my best to explain this again Since the prerequisite conditions didn't meet or satisfy per Ameriprise policy which are 1) the effective of [redacted] house policy doesn't exist; 2) [redacted] house is still the primary residency.Therefore the cancellation of the [redacted] house is completely a mistake by Ameriprise Why should we take immediate action or quick response to something that is purely a mistake?? Again, please help correct the mistake and be responsible to reinstate the policy without any changes needed asap without further delay!!! Thank you very much for your attention!
I would appreciate a phone call back with an explanation as to why none of my concerns were taken into consideration, why all of my voicemails had been ignored and also an apology for the poor customer service
Thank you for sending the complaint filed by Ms [redacted] , which we received on June 23,We understand that she would like an explanation of why her policy was not cancelledWeappreciate the opportunity to address her concerns.We believe the following timeline will provide clarification.• On June 18, 2010, we issued Ms [redacted] a renter's policy and we mailed all of the appropriatepaperwork to her.• With Ms [redacted] 's authorization, we issued her policy on a credit card full payment plan.• On May 5,2015, we mailed Ms [redacted] her renewal and payment notice for the June 18, 2015,to June 18, 2016, policy term.• On June 18,2015, we attempted to charge $to Ms [redacted] 's American Express cardending in ***, and it was returned to us as declined.• On June 19, 2015, we sent notice of pending cancellation informing Ms [redacted] we would needpayment by July 4, 2015, or the policy would cancel for non-payment of premium.• On June 20, 2015, we placed an automated call to Ms [redacted] informing her of the paymentreversal.• On June 22, 2015, Ms [redacted] called to inform us that this policy should have been cancelledback in August of 2013, when she moved in with her sisterWe informed Ms [redacted] her policyautomatically renews unless she requests cancellation of her policy.We informed Ms [redacted] the policy allows the insured to cancel the policy anytime; however, itstipulates that the cancel date must be later than the date it is requested:You may cancel this policy by returning it to us or by notifying us in writing of the date to cancel, whichmust be later than the date you mail or deliver it to us.When the policy is cancelled appropriately, we provide a pro rata refund to the insured according to thefollowing policy provision:When this policy is cancelled, the premium paid beyond the date of cancellation will be refundedTherefund premium will be pro rataThis means that we'll keep premium for only those days that you wereprotected.Prior to June 22, 2015, our last conversation with Ms [redacted] was on August 2, 12, when shecalled to update the credit card listed on her policyIf Ms [redacted] would have had a loss during thistime period, we would have covered it.We cancelled Ms [redacted] renter's policy effective for June 18,2015, and she asked us to provideher copies of the renewal information we mailed to her for her 12, 2013, and policy terms, alongwith a copy of the policy booklet and her cancellation noticeWe mailed the requested copies to her onJune 24,
Thank you for sending the complaint filed by Mr [redacted] ***s, which we received on [redacted] 1, We understand that he would like additional details surrounding a change in premiumWe appreciate the opportunity to address his concerns.On March 16, 2016, Mr***s requested the addition of [redacted] [redacted] and a Ford Ranger to his policy and also get a quoteWe questioned if [redacted] resided in the household? Mr***s said, yesWe questioned who the Ford Ranger was titled to? Mr [redacted] said to [redacted] ’s motherWe questioned what the relationship was between him and [redacted] ? He said [redacted] was his step mother’s little brotherWe again confirmed that [redacted] resided in the household and Mr [redacted] stated yesWe questioned if [redacted] had other insurance? Mr [redacted] said, no.We informed Mr [redacted] we would not be able to add the vehicle due to the titling of the vehicle, but we would be able to add [redacted] to the policyMr [redacted] said, ok and wanted to know if this would provide [redacted] insurance? We informed him it would but there would be no coverage for the vehicleHe understood.Once we informed Mr [redacted] of the premium with [redacted] added to the policy he stated he did not want to add [redacted] to the policy if his premium was going to increaseWe informed Mr [redacted] that because [redacted] is a licensed driver in the household without other insurance he would need to be listed as a driver on the policy.If Mr [redacted] can provide documentation that [redacted] permanently resides at a different residence and/or has other insurance with Bodily Injury limits equal to his, we remain willing to consider removing him from the policy.For reference, our Insured Person guideline includes the following:"We will pay damages for which an insured person is legally liable because of bodily injury or property damage resulting from the ownership, maintenance or use of a car or utility trailerAn insured person means: you or a relative; a person using your insured carA relative is defined as a person living in your household and related to you by blood, marriage or adoption, including a ward or foster child and who doesn't own a car and whose spouse doesn't own a car."If you have any questions about this information, you may contact me at ###-###-####, Ext5239.Sincerely,
Thank you for sending the complaint filed by our insured, Ms [redacted] ***, which we received on July 2,We understand that she feels there was a delay processing the claimWe appreciate the opportunityto address her concerns.On January 8, 2015, Ms [redacted] reported an accident in the parking lot at [redacted] Medical Center inChula Vista, CaliforniaWe obtained statements from both drivers who confmned they were both backingout of parking spaces when their vehicles collidedMs [redacted] has maintained she had more control of theaisle when the claimant backed into her vehicle.Unfortunately, the claimant's insurance company, AAA Insurance, disagreed with our assessment ofliability and found Ms [redacted] 100% responsible for backing into their insured's stopped vehicleWe couldnot reach an agreement with AAA as to who was at fault for this accident; therefore, we are sending thecase to Intercompany Arbitration where an independent arbitrator will determine if there is sufficientevidence to recover both Ms***'s $deductible as well as our payment.On January 27,2015, we explained to Ms [redacted] that she would be responsible for paying the $500Collision deductible while we paid the remaining $1,to repair the damage to her vehicleWe saidwe would attempt to recover her deductible from AAA, but we could not guarantee that we would besuccessful.Regardless of who is responsible for the accident, the deductible is owed once repairs are completedWeimmediately attempt to recover the deductible when our insured is not responsible and the other insurancecompany agreesHowever, in the event of a parking lot accident, it is often difficult to place one party atfault rather than the other, particularly when the parties disagree as to how the accident happened.Ms [redacted] does have the option of pursuing her $deductible directly from AAATheir contactinformation is: [redacted] We understand that Ms [redacted] is frustrated with the length of lime is taking to recover her deductibleIt isalways our intention to resolve all claims quickly, but when a case goes to arbitration, it does requiremore timeWe regret that Ms [redacted] feels there is a delay, but we assure you that it is not in any wayintentional.If you have any questions about this infoffi1ation, you may contact me at ###-###-####5, Ext####.Sincerely, [redacted]
Thank you for sending the complaint filed by Ms [redacted] , which we received on September 22,We understand that she would like her non-sufficient fund fees refundedWe appreciate theopportunity to address her concerns.On July 30, 2015, Ms [redacted] requested a homeowner's quote for her property located at [redacted] ***, [redacted] We verified Ms [redacted] wanted the policy to be effective for September13,2015, and on preauthorized withdrawal for billingMs [redacted] agreedSince receiving hercomplaint, we have reviewed the initial phone call, and Ms [redacted] did agree to purchase the policy.On July 31, 2015, we mailed Ms [redacted] her information regarding the new policy along with apreauthorized withdrawal notice informing her we would be withdrawing $from her checkingaccount on September 13, 2015.We did not hear from Ms [redacted] between July 31,and September 16, Ms [redacted] contactedus on September 16, 2015, to inform us she did not want our policy and requested the cancellation of it.Ms [redacted] requested reimbursement of her nonsufficient fund fees.We provided the appropriate documentation informing Ms [redacted] we would be withdrawing the paymentfrom her checking account on September 13, 2015; therefore, we will not be reimbursing hernonsufficient fund fees