The Dunn Agency

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 Sincerely, [redacted]

Complaint ID#: ***Company Name: The Dunn AgencyCompany Contact Name: Robert D***Company Contact Phone: ***Company Contact Email: ***Consumer's Name: Kimberly
J***Revdex.com Staff Member (if you know): **No Response**Complaint Information: Kimberly, I am sorry that you are concerned with the billing that occurred on your policies, but hopefully this explanation can alleviate those concernsRegarding your personal auto policy, your monthly premium payment was $when your current renewal period started on November 26, You made monthly payments of this amount on November 27, 2015, December 26, and January 26, Then the following changes occurred: - February 10, you added the ’** *** ***This increased the premium by $- February 18, you removed collision coverage from the ’** *** *** and ’** *** ***This generated a credit of $Since the February monthly bill was generated on February 6, which was prior to these changes being made, our billing system automatically applied a pro-rated amount of the credit to the most immediate bill that was dueWith billing payments remaining, 1/of the credit amount, ($/ = $35.07) was deducted from your automatic payment draft on February That is why $was drafted ($- $= $247.51) With monthly payments remaining in your renewal period, your new monthly premium amount for March and April were calculated as follows: $- $= $Then the additional premium that was generated by the change on February ($225.60) needed to be added equally between the final payments$+ $= $I regret that when you were communicating with my staff on this an error was made in communicating the details of these changesMy staff mistakenly thought that you had remaining payments due after February, when in fact you only had 2, which is why the monthly amount was larger than you expectedWe try to be very accurate in explaining premium changes and in this instance my staff made and error which I apologize forYour bank account that was on file for this policy was credited a refund of $on April This was the amount of the unused premium based on an April 1st termination dateIf you do not see this credit in your account please let me knowRegarding your Commercial Auto policy, here is an explanation of what has occurred: Your most recent renewal period started on March with a month premium of $On February and March you made payments of $eachThis left a remaining balance of $(this is determined by your starting renewal premium, less your payments, plus a $pay fee for each payment)When you cancelled your policy effective April 1, the unearned premium on the policy was $Unfortunately the policy has a provision that a 10% short rate penalty applies to the unearned premium when a customer cancels prior the end of the policy periodThis resulted in $of unearned premium being credited off the policy, leaving an outstanding balance of $Kimberly, we always deal with customers in good faith and try our best to explain changes in billing, which sometimes can be very complex when multiple changes occurI realize my staff made an error in communicating the remaining monthly payments on your personal auto policy but it was an honest mistake and she did try to explain this to you afterwardsIf it helps I am always available to you to go over your account and hopefully alleviate your concernsSent on: 4/12/1:02:PM

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.
Sincerely,
[redacted]

Complaint ID#:    [redacted]Company Name:    The Dunn AgencyCompany Contact Name:    Robert D[redacted]Company Contact Phone:    [redacted]Company Contact Email:    [redacted]Consumer's...

Name:    Kimberly J[redacted]Revdex.com Staff Member (if you know):    **No Response**Complaint Information:    Kimberly, I am sorry that you are concerned with the billing that occurred on your 2 policies, but hopefully this explanation can alleviate those concerns. Regarding your personal auto policy, your monthly premium payment was $282.59 when your current renewal period started on November 26, 2015. You made 3 monthly payments of this amount on November 27, 2015, December 26, 2015 and January 26, 2016. Then the following changes occurred: - February 10, 2016 you added the ’[redacted]. This increased the premium by $225.60. - February 18, 2016 you removed collision coverage from the ’[redacted] and ’[redacted]. This generated a credit of $105.20. Since the February monthly bill was generated on February 6, which was prior to these 2 changes being made, our billing system automatically applied a pro-rated amount of the credit to the most immediate bill that was due. With 3 billing payments remaining, 1/3 of the credit amount, ($105.20 / 3 = $35.07) was deducted from your automatic payment draft on February 26. That is why $247.51 was drafted ($282.58 - $35.07 = $247.51) With 2 monthly payments remaining in your renewal period, your new monthly premium amount for March and April were calculated as follows: $282.58 - $35.07 = $247.51. Then the additional premium that was generated by the change on February 18 ($225.60) needed to be added equally between the final 2 payments. $247.51 + $112.80 = $360.31. I regret that when you were communicating with my staff on this an error was made in communicating the details of these changes. My staff mistakenly thought that you had 3 remaining payments due after February, when in fact you only had 2, which is why the monthly amount was larger than you expected. We try to be very accurate in explaining premium changes and in this instance my staff made and error which I apologize for. Your bank account that was on file for this policy was credited a refund of $213.18 on April 6. This was the amount of the unused premium based on an April 1st termination date. If you do not see this credit in your account please let me know. Regarding your Commercial Auto policy, here is an explanation of what has occurred: Your most recent renewal period started on March 2 with a 12 month premium of $1334. On February 12 and March 7 you made payments of $107.82 each. This left a remaining balance of $1130.36 (this is determined by your starting renewal premium, less your payments, plus a $6 pay fee for each payment). When you cancelled your policy effective April 1, the unearned premium on the policy was $1212.20. Unfortunately the policy has a provision that a 10% short rate penalty applies to the unearned premium when a customer cancels prior the end of the policy period. This resulted in $1102 of unearned premium being credited off the policy, leaving an outstanding balance of $28.36. Kimberly, we always deal with customers in good faith and try our best to explain changes in billing, which sometimes can be very complex when multiple changes occur. I realize my staff made an error in communicating the remaining monthly payments on your personal auto policy but it was an honest mistake and she did try to explain this to you afterwards. If it helps I am always available to you to go over your account and hopefully alleviate your concerns. Sent on:     4/12/2016 1:02:18 PM