The Hartford Financial Services Group, Inc.

Review: My wife [redacted] called The Hartford company on 4/28/15 for a general quote which she did throughout the day with various auto companies. The rep asked a series of questions and then I stated that some of the questions were intrusive and if they continued I was going to end the call. She then gave me the quote .I told her that it was extremely high and that I was not interested. Today we received an alert from consumer reporting that my credit had been activated which she was unauthorized to do. When I called the company today to issue my complaint, I was denied the right to speak to a manager by [redacted].He then stated that every caller gets a recorded disclosure regarding credit reports which I never heard.The rep never said anything about a credit report when she was going over the numbers. I am totally disgusted with this company's unethical and unauthorized practices.Desired Settlement: A full investigation and to have the credit information from Hartford removed from my credit report due to the unauthorized practices. Afterwards, I want to opt-out of ALL dealings from this company (advertisements or publicity).

Business

Response:

Dear Ms. [redacted],

Please find our response to Mr. [redacted] concerns.

Sincerely,

[redacted], Consumer Affairs

Consumer

Response:

Review: [redacted]

I am rejecting this response because: the statement is false. A recorded disclosure was not played .

Sincerely,

Business

Response:

Dear Mr. [redacted],

Please find our response to the [redacted] rejection.

Sincerely,

Review: My premium went up by over 100% without my authorization.Desired Settlement: I would like to be reimbursed for my gross over payment.

Business

Response:

Dear Ms. [redacted],

Please find our response to Mr. [redacted] concerns.

Sincerely,

Erin S. H[redacted], Consumer Affairs

Review: I have not been able to close and resolve accident claim.

On July 2nd, 2013 I was involved in a car accident on Highway 150 in Fedricksburg, Indiana. The car traveling in the oppisite direction (eastbound) crossed the center line and destroyed the entire drivers side of the car I was driving. The driver "grabed" my car with his front drivers fender damaging the entire side of my car including breaking the rear wheel off of the axil. (The break skids and tire marks are still on the roadway proving this statement of the accident facts.) The police Report filed by the Washinton Cnty office substancite my claim. When I applied my breaks the momentium of my car went into a skid accross the road and down into a yard taking out the Lambrights tomato plants. I was taken to Orange County Hospital in [redacted]. No bones broken. Neck, right leg, and shoulders all painful. I am still suffering pain in my lower back effecting my leg and right shoulder. When this office of the Hartford out of [redacted] Kentucky assigned an agent he called me to introduce himself and gave me a claim number. This was done in a reasonable amount of time a few days after accident. He informed me that the office had ordered the police report but it wasn't available yet. I informed him I needed to get the materials out of the car. The car was towed to a police impound yard. He told me to wait until they got all paperwork for the accident. He did call to inform me that the office had not received the police report yet (July 16). I called the Hartford office numerious times at least four or five times during the month of August and September to find out the status of my claim with this agent that was assigned. He was either out of office on an answering machine. He finally returned my call after his vacation, I was told he was working on the case. Finally on October 16 I contacted by the office supervisor. He was to look into the claim and return my call. Two weeks later he still had not returned my call. I have had it with promisses from this offiice of Hartford. The medical department Megan has been responsive but the auto claim department has not. Why pay for insurance if the company does not respond or keep in touch with their client.

I finnally made contact with agent that was assigned approximately a month ago. He told me he was in contact with the other drivers insurance company. They were discussing a settlement and liability issues. He was to mail me his file copy of what has happened including his notes and the police reports. Yet again the information that was to be mailed to me has not been provided as promised. I am just totally frustrated trying to deal with this company. They are an AARP approved provider company and are supposed to represent me as MY insurance provider. I would not reccomend this company. I am also lodging a complaint with AARP. I have recently (December 30th and spoke with a Mrs. [redacted]) contacted the main office of Hartford Insurance, they are to look into this case and have scheduled a follow-up with me. I need to know what needs to be done to resolve this claim. I have had to purchase a replacement vehicle and want some compensation for the car that was destroyed.Desired Settlement: Payment for vehicle destroyed. Settlement with other drivers insurance company. Accident closure.

Business

Response:

We have received your email concerning the complaint of [redacted], please see the attached letter response. Thank you!

++++++++++++++++++

We appreciate your bring this matter to our attention and we will work directly with Ms. XXXXXX XXXXX to address the issues escalated to your office and bring this matter to a fair and equitable resolution.

Review: Not standing behind their policies, and lying to customers. Not being honest about policies,and billing processes.

First part of September, 2013: I received a notice from Hartford Insurance regarding my car insurance. The notice said due to recent activities on my account my next premium will be for the amount of $151.30. I called to check on this payment. I was told several different reasons. She explained this is the first payment for the next year's account which would run October 1, 2013 - September 30, 2014. After that first initial payment of $151.30, my premium would go down to around $125 to complete my October 1, 2013 - September 30, 2014 policy. Every September the premium is higher than the rest of the year's for processing fees or something.

September 17, 2013: I called Harford Insurance to tell them I needed to cancel my auto insurance with them starting October 1st, 2013. A withdrawal from my checking account was scheduled for the next day on the 18th for $151.30. The lady from Harford told me it was too late to cancel that withdraw, which I understood. I thought about going to the bank to put a stop payment, but the representative from Hartford told me not to worry about it because they would refund this amount within the next ten days, along with sending me a paper to sign for cancellation of the policy. She said I was supposed to receive a refund of an additional $60 as well.

First week in October 2013: I called Harford because I had not received my refund check, or the paperwork they were to send for me to cancel the policy. I was told at this time that there was no refund and in fact, I owed them additional money. I said, ''No, I was assured that they would refund my September 18th withdraw within 10 day along with the paperwork to cancel my policy.'' They said they never send paperwork to cancel policies, that can be done over the phone and that I owed them additional money and there was no refund. I was upset and asked to talk to a manager. They said they would have someone from the complaint department call me the next day.

I went to the bank and reversed the withdraw and placed the money back into my account.

I did receive a call by a Hartford representative before noon the next day. She had listened to the recording from September where the representative did tell me I would receive a refund. At this time, I was told that the information given to me was a mistake and I should not expect a refund. I was given ''wrong'' information. She explained this $151.30 was to pay for the rest of my 10/1/12 - 9/30/13 policy payment. I explained to her that the premiums are always paid in advance and this had always been made very clear to me. Every September the premium is a little higher due to processing fees and whatever to start the new policy on October 1st. The representative said she was sorry for my misunderstanding but I do owe the money and there would be no refund.

Middle of October 2013: I received a statement from Hartford Insurance for the amount of $151.30. I did not pay, or respond.

November 5, 2013,I received another statement from Harford Insurance for the amount of $151.30, past due. I called and talked to a representative. He explained to me that I am actually getting a discount because I owe additional money since I cancelled my Homeowner's Insurance earlier this year and I don't get the multi-policies discount any more. This $151.30 was the amount still owed on my auto insurance for the 10/1/12 - 9/30/13 policy, with the discount price no longer allowed. He indicated to me about the way I reversed the September payment was not legal, or ethical.

* Why was I told in September that $151.30 was to start the new policy?

* In November, I was told that was the additional money I owed since I no longer qualified for the discount?

o If this was the case, why did I receive the statement for $151.30 before they knew I was cancelling my policy withDesired Settlement: Cancellation of the $151.30 payment request from Hartford Insurance. Removal of the requested $151.30 payment in September for the October premium, which I cancelled on September 17, 2013.

Review: I cancelled my Accidental death and dismemberment increase coverage for certificate # XXXXXXXXX and was billed $15.00 on June 5,2013. I was instructed if that happen to call and it would be refunded electronically. So I called and they said I will have to wait till June 10,2013 then in 7 to 10 days it will be refunded. I found that to be unacceptable and requested to speak with the supervisor . She said they have to wait for 10 days or so for the money, so I ask since it was cleared already in my checking account I don't see why that will be the problem. I also ask to who should I file a complaint with and she didn't know. Then ask what government agency regulates the agency she inform me, she don't know. I look on the policy to see and couldn't find any or statement inform the customer of refund policy.

Product_Or_Service: accidential death and dismemberment coverage

Account_Number: XXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund

Would like my refund now of $15.00 not 10 or 15 days. Have written policies sent to customer of the refund and what government agency regulates there bad business practice

Business

Response:

Business Response /* (1000, 5, 2013/06/21) */

June 21, 2013

Sr. Consultant/Inquiry Supervisor

Revdex.com, Inc.

RE: Complainant: [redacted]

Insured: [redacted]

Revdex.com Case #: XXXXXXXX

Underwriting Company: Hartford Life and Accident Insurance Company

Coverage ID#: XXXXXXXXX Coverage Type: Accidental Death and Dismemberment (AD&D)



Dear Ms. Betts:

We are writing in response to the complaint filed by Mr. [redacted], concerning the June 5, 2013 withdrawal for $15 for the above referenced coverage.

Due to privacy laws, we are not able to provide you with detailed information regarding insurance related matters. A written response addressing all issues raised in the complaint will be sent directly to Mr. [redacted] under separate cover.

If you have any questions or require additional information, please contact [redacted] Affinion Benefits Group, via e-mail at [redacted]@affiniongroup.com.

Sincerely,

Compliance Paralegal

Affinion Benefits Group, LLC - Third Party Administrator

Review: I RECEIVED A 1099-R IN THE MAIL A WEEK AGO FROM HARTFORD LIFE INSURANCE CO., RETIREMENT SERVICES INVESTMENT ONLY TEAM, [redacted]T. 06144-1583.I CANNOT IDENTIFY WHAT THIS INCOME REPRESENTS. ON THE FORM IT SAYS TO CAL[redacted]9 IF YOU HAVE ANY QUESTIONS. I CALLED THAT NUMBER AND HAD TO LEAVE A MESSAGE FOR A CALL BACK. THEY CALLED ME BACK AND SAID THEY HAVE NO IDEA WHAT THIS IS ABOUT BECAUSE MY NAME IS NOT IN THEIR SYSTEM - THEY TOLD ME TO CALL [redacted]. I CALLED THAT NUMBER - THEY COULD NOT HELP - TOLD ME TO CALL [redacted]. CALLED THAT NUMBER AND SPOKE TO RACHEL - SHE TOLD ME TO CALL BACK THE ORIGINAL NUMBER AS SHE COULD NOT HELP. CALLED THE ORIGINAL NUMBER AGAIN TODAY AND AND THEY JUST KEPT TELLING ME THAT WAS THE WRONG DEPARTMENT, AND THEY COULD NOT HELP OR TRANSFER ME TO ANYONE. I NEED TO KNOW WHAT THIS INCOME REPRESENTS. NO ONE WILL HELP ME.Desired Settlement: I WANT TO KNOW WHAT INCOME THIS REPRESENTS SO I CAN IDENTIFY IT AND CLAIM IT ON MY TAXES IF I NEED TO......OR IS THIS SOMEHOW AN ERROR?????

Business

Response:

While [redacted] appreciates the work that the Revdex.com does, given the regulatory oversight, which currently exists within the financial services industry, we do not believe that this is the proper forum to address [redacted] concerns.

Please be assured that we will address Ms. [redacted] concerns directly with her.

If you needd additional assistance please call our Participant Information Center toll free at [redacted]9 between 8:00 am and 8:00pm EST Monday through Friday.

Sincerely

Consumer

Response:

Review: [redacted]

I am rejecting this response because: Since everyone I called to try to resolve this problem just pushed me off to someone else because they had no idea how to help me, I had no other choice than to go to the Revdex.com. I asked to speak to a Supervisor or Manager when the person I was speaking to couldn't help me, and they all just said that neither of those people would be able to help me either.

Review: To Whom It May Concern,My name is [redacted] claim # PAXXXXXXX. This is the second complaint that I have filed with The Revdex.com,against The Hartford related to the Customer Service that I have recieved from The Hartford. I have submitted mileage reimbursement claims to The Hardford for two months and to no avail have I recived reinbursement for the mileage, I have tried to work with my claims adjuster [redacted] reguarding the claim and she keeps telling me that she is working on the claim, which should not take over thirty days. I have faxed all of the required documents to The Hartford two times and to no avail. I should not be subjected to such harrassment for a personal injury claim, which causes undue stress, which hinders my recovery process. I just want to work on gettin mylife back without having to file complaint after complaint after complaint. I submitt all of the documents that The Hartford request in a timly manner and I excect the same in return. The commercial that airs here in Michigan does not say that you are going to be HARRASSED by The Hartford when you insure with The Hartford it says don't worry. That constitute's false advertisement, for which I want to flie two complaints against The Hartford. 1. For unfair trade practices. 2. For false advertisements.Sincerly,[redacted] CellXXX-XXX-XXXX Home

Product_Or_Service: Auto Insurance

Account_Number: Claim # PAXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to be considered as a person not a number and for the mileage reimbursement to be paid in thirty days which is the law in Michigan.All claims are suppose to be paid within THIRTY DAYS.

Business

Response:

Business Response /* (1000, 5, 2013/06/18) */

Dear Mr.[redacted]:

This letter is in response to the complaint you have filed with the Revdex.com on June 11, 2013:

Please be advised that payment for your mileage was paid on 6/15/2013 for $1,260.00 for dates of service March 15, 2013 through May 23, 2013. As you know the handler was waiting for additional medical bills to come in before issuing payment. The handler, [redacted] did call and leave you a message on June 17, 2013 with the amount as well.

I would be more than happy to provide any additional information you may require. Please feel free to contact me directly at the phone number below or in writing to the following address and I will respond promptly:

Sincerely,

Claim Supervisor

[redacted] (Direct dial)

X-XXX-XXX-XXXX x [redacted] (Toll Fr

Consumer Response /* (3000, 7, 2013/06/19) */

(The consumer indicated he/she DID NOT ACCEPT the response from the business.)

I should not habe to file COMPLAINT after COMPLAINT inorder to get reimbursed the law states that The Hartford has thirty days to settle claims. I do not file complaints until after thirty days has passed, and that is when The Hartford strats to process my claim. I should not be subject to such harassment from THe Hartford.

Business Response /* (4000, 9, 2013/06/25) */

This letter is in response to the complaint you have filed with the Revdex.com on June 19, 2013:

Please be advised that we make every attempt to pay for anything that is received in our office as soon as possible. With mileage claims, we do need the supporting documentation (physician bills) in order to verify that the treatment did take place on the date being requested etc. I believe the following happened in the scenario in question:

1. On May 8, 2013 mileage was paid for forms received on April 9, 2013 for dates of service April 4, 2103 through April 29, 2013.

2. The handler did call to let you know that no payment could be made at this time for dates of service April 15, April 22 and April 29 as the bills supporting this request from United Wellness had not been received.

3. On June 7, 2013 the handler received a "revised" mileage form for dates of service from March 4, 2013 through March 29, 2013 She then reviewed the mileage submissions (he had previously submitted as April 2013 dates of service). You also submitted dates of service for May, 5 2013 to Mary 24, 2013. These were all for trips to [redacted] Dr [redacted] RMI MRI for may 13, 2013 and Advanced PT. None of bills from [redacted] RMI MRI or [redacted] have been rec'd to date. Also we had not received a bill from [redacted] for date of service March 21, 2013. The handler did issue payment for all trips for which we had received the corresponding bill.

4. On June 10, 2013 the handler did make contact with you and explained that we were sill waiting on bills from [redacted] RMI MRI, Advanced PT and [redacted] chiropractic. You stated that you would follow up with the providers for the bills.

5. On June 15, 2013 we received the bills from [redacted] for dates of service March, 15, March, 22, March, 29, April, 3, April, 12, April, 18, April, 24, Mary, 1, and May 24; RMI MRI for May, 13; Advanced PT for May, 21, May, 24; Bristol for April, 2, April, 9, April, 13, April, 25, April, 30 and May, 23 and payment was made on June 15, 2013.

I would be more than happy to provide any additional information you may require. Please feel free to contact me directly at the phone number below or in writing to the following address and I will respond promptly.

Sincerely,

Claim Supervisor

[redacted] (Direct dial)

X-XXX-XXX-XXXX x [redacted] (Toll Free)

Review: On 10/24/2007 I was in a hit and run accident. I was able to follow the other party and get his license plate number. Hartford asked me to get an estimate and I did. The next thing I was told was. " Sometimes these things can take a while, because of the hit and run". I asked her "How long?" She said "About six months". So I went on with my life expecting them to give me a call or write me letting me know what was going on.Meanwhile I came down with Coronary Heart Disease, Severe Angina and High Blood Pressure. My illness caused me to be frequently short of breath, Along with constant chest pain. I was in and out of the hospital. Back and forth to my Dr. trying to find out what would help me get back to a somewhat functional life. I could not drive myself, my daughter took care of me like I was a baby, I was so weak and helpless. We were all afraid that one day when I called the paramedics that would be it.In March of 2013 I started to have a breakthrough in my health status. So in December of last year I saw an ad in the paper for Hartford and I called them. It had been 7 years since I last spoke to [redacted], she told me that after 3 years it was too late. I called the Dept. of Insurance , they advised me to pursue it, I did and all I have been getting is the run around and disrespect from [redacted]. All of them insisted that the fact that my car is no longer able to run is not the fault of the accident on 10/24/2007.They refuse to do anything that will cause them to spend any money. They sent an adjuster out, he said that he could not get under the car so he only estimated the fender damage. [redacted] played games with the towing, If you tow it we will come out and look, then if we decide that it happened in the accident we will pay for just what happened in the accident. But if they find anything else, I would have to tow it home myself. I said no to that. She finally sent me a letter saying that they would tow the car at their expense. It never happened.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a written apology from the President of The Hartford. I would like to have my car towed to have mechanical damages diagnosed, along with the cost to restore my car to it's pristine condition before the accident. If restoring and repairing are no longer possible, I would like to be fairly compensated for my loss. I was sent a check by [redacted] for the amount of $630.28, this is what I was sent to cover the damages to my 1994 Lexus, after my $500.00 deductible. After 7 years.

Business

Response:

Consumer Response /* (-5, 4, 2013/04/24) */

Policy number PAXXXXXXXXXX

Business Response /* (1000, 8, 2013/04/26) */

We understand that a complaint has been made. We will respond directly to the complainant.

Consumer Response /* (3000, 10, 2013/05/03) */

(The consumer indicated he/she DID NOT ACCEPT the response from the business.)

I do not accept the rejection of my complaint by The Hartford . They are just continuing to do what they have always done, and that is not taking responsibility for their actions. [redacted] wrote me a letter stating that the company agreed to tow my car, and have a diagnostic done by [redacted] Auto Body, then tow my car back to my house. They have not done that. It is not my fault that this has taken 7 long years to get to this point. I do not believe that these ladies have some kind of supernatural powers that would allow them to make a diagnosis of my car from their offices, and I do not see any of them with the title of mechanic after their names. How could they possibly know what is going on under my car without first having it professionally inspected? It has been 7 years, I am tired of wasting more time with these unprofessional people at this company. I have been put through enough, being in screaming matches, being grossly disrespected by young ladies who are in key positions at The Hartford. Waiting 7 years for them to make things right, and then being put through this. This is the best advertisement for what The Hartford will really do for you. Forget about walking my dog, and paying for someone to mow my lawn. Just DO WHAT YOU ARE PAID TO DO. Take care of my business with respect, and in a timely manner. All of you reading this, If you love your parents, and grandparents, keep them away from The Hartford. It could be them next.

Business Response /* (4000, 12, 2013/05/07) */

May 7, 2013

Contact Name: [redacted]

Dispute Resolution Specialist

Complaint Department

Revdex.com, Inc.

Fax Number: XXX-XXX-XXXX

RE: Complaint Case#: XXXXXXXX

Consumer: [redacted]

Dear [redacted]:

This will respond to your May 6, 2013 letter to our office regarding an inquiry submitted to the Revdex.com by [redacted].

We appreciate your bringing this matter to our attention and we will work directly with Ms. [redacted] to address the issues escalated to your office and bring this matter to a fair and equitable resolution with Ms. [redacted].

Sincerely,

Claims Team Leader

Review: this is what I wrote to The Hartford Financial Services GroupTo whom it may concern:Today saturday 03-29-14 I am, was informed by [redacted] from [redacted] that my paid rental expired on 03-26-14. My car has not yet been returned to me, it is still been serviced for repair at [redacted] agent [redacted]. Friday 03-28-14 [redacted] informs me that a piece had arrived broken and they could not install it like that (which piece? - unknown to me) . Tuesday 03-25-14 my mom she went to [redacted] as instructed to 1- check the status of the car and 2- status of the rental. Upon arrival she is told the car is not ready, instead, she is told: by Friday 03-28-14 it will be ready, and [redacted] confirms that your company had it extended. Friday in the morning she gets there and they were still working on it, and by the afternoon same day [redacted] calls me to inform me that Monday they will have it ready and they were still waiting for the delivery of the broken part replacement. We want our car back and repaired much faster than you want. We wish we did not need the rental, because we honestly do not like the liability of driving a car that does not belong to us, but as a family we have responsibilities and my son is taken to school daily in that car by my mom, as I work and I cannot accommodate my job schedule to my son's school schedule ( I work 7am-7pm shift).This entire experience with your company, has been very unpleasant, first of all I was assigned an agent that customer service training did not include that when talking to a customer, speech should be paused, calmed and reflect that you are providing a service. On the opposite, I feel like I am talking to a person that is driving at 120 miles per hr and talking the same way. Yes, I am naturalized but have a Graduate Scholar degree from the United States.Second, our car had legitimate Nissan parts before you client rushed driving backwards and bumped into our car rear end. I absolutely understand that I am not going to get legitimate Nissan parts, but at least X Brand- brand new and not refurbished like I was told on Friday. I said, well, I really don't have the energy to deal with all these many details, let's see the final product.Third; today, I am told I will have to pay full price for rental after the 03-26-14. If our car would not have been crashed by your client, none of these would have happened. [redacted] is also not responsible for not getting the required part to finish the job in good condition, these are adversities your company should have into consideration when making a final decision and give the cases their proper follow up. I mean by this- CONFIRMING if the car had been finished and accordingly handle the rental issue. If your company does not agree with the labor time [redacted] is taking for the repair, it is of your interest to deal and address this matter with them, but this should never, and let me repeat never, affect the customer.Did your company corroborate on Thursday , (not wed, which was the day your agent Mr [redacted] was told the car will be ready, again ,let me repeat Thursday) that the car repairs were already finished and the car picked up? I believe your company has not received a final bill as the product repair has not yet been completed, did it bring up any questions not having yet a final bill? Was your agent courteous enough to inform me that your company will pay for the rental until 03-26-14 only? this consolidates into one poorly addressed Hartford company value . Teamwork We work together as high-performing teams to achieve functional excellence and superior business results . Can I be explained where is the excellence? I am truly sickened by the customer service, and by the way the case has been handled, therefore I will make sure on Monday I inform your client [redacted] company.Let me refer you to your company values:Customer [redacted] listen to our customers and deliver innovative solutions and extraordinary service. We prize our partnerships and relationships.[redacted]nWe attract, reward and retain the best talent, and show respect for all individuals, their ideas and experiences.Financial DisciplineWe create superior shareholder value through profitable growth and responsible risk management.IntegrityWe do the right thing by holding ourselves to the highest standards of ethical conduct.Winning SpiritWe are action-oriented and take ownership in the success of our company.Last detail, your in field agent named Jorge Machado, the day he was appraising the damages of our car, he sarcastically said after we had asked him a few questions, ma'am, refering to my mom, don't get used to crashes. I welcome you to check Estrella [redacted] driving license, never involved in a car crash in any possible way. very unprofessional comment. Look forward to hear from your company, hopefully from a different agent. (Claimant : Estrella [redacted]- I am her daughter, my name is [redacted] she is the car owner but I am authorized to represent her for this claim) . claim number [redacted]8Desired Settlement: my rental to be covered until my car returned to me.

Business

Response:

We were unaware of an supplement which delayed the repairs as the shop did not notify The Hartford. We were actively following up with [redacted] at the repair shop but he did not inform us of the damaged part. Once known of the supplement we escalated this concern to [redacted], our appraiser's team leader, for approval. Given the supplement we have extended the rental to March 31,2014 which covers the rental until the vehicle was repaired and released to the customer.

Review: My roof had to have patched from storm or some related damage. TheHartford could not find the shingles due to discontinued. They want me to pay 8000

The Hartford could not find the shingles due to discontinued. They want me to pay 8000 to replace my whole roof since they cannot find these shingles to patch my room. They assessed the damages as 1200$ with a 500 Deductible. They stated that due to Wind/Hail I have to pay 2% the cost of the house to replace my entire roof even though only a small portion was patched. I'm a US Marine Veteran, I do not have that kind of money, I just spent 1700 in mold treatment out of pocket.Desired Settlement: Find shingles to patch my roof or assist in replacing my roof.

Business

Response:

Business Response /* (1000, 5, 2013/07/09) */

July 9, 2013

Contact Name: [redacted] M. [redacted]

Dispute Resolution Specialist

Complaint Department

Revdex.com, Inc.

Fax Number:

RE: Complaint Case#: XXXXXXXX

Consumer: [redacted]

Dear [redacted]

This will respond to your July 9, 2013 letter to our office regarding an inquiry submitted to the Revdex.com by [redacted].

We appreciate your bringing this matter to our attention and we will work directly with [redacted] to address the issues escalated to your office and bring this matter to a fair and equitable resolution with [redacted].

Sincerely,

Supervisor

Review: I was involved in an accident in a vehicle insured by The Hartford Insurance Company for which I was injured. I have constant Back and Neck pain. I [redacted] received a call from Advanced Physical Therapy today 7/24/2013 stating that [redacted] from The Hartford called and informed Advance Physical Therapy that my Lifetime Medical benefits has been terminated, also I received a call from [redacted] Chiropractic stating that my Lifetime Benefit has been Terminated as well. This is deliberate attempt to discourage me from getting the necessary Medical attention that I need in order to improve my progress. I need to be able to access Medical Treatment for my injuries sustained in the accident on 3-17-2009, The Hartford is responsible for processing claims submitted for my injuries, due to the fact that the car I was in is insured by The Hartford. Michigan is a no-fault State which entitles me to Medical Treatment for the injuries sustained in the accident on 3-17-2009. I need continuing treatment for my injuries or I will suffer a set back which will cause me to have to start from the beginning of my treatment. Could you please give me the name of Legal Representation. I should not have to file as many complaints as I have in order to receive the necessary treatment for my injuries.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I want continued Treatment from [redacted] Therapy, and [redacted] Chiropractic. I need to have treatment in order to maintain some sort of Range of Motion in my life if I do not have treatment I will have major pain in my Lumbar Area, and my Cervical will become stiff and I will have headaches. I have improved, because of my injuries I need to continue treatment. I realize that I will never be 100% prior to the accident. I am entitled to Medical Treatment for the injuries I have sustained.

Business

Response:

Business Response /* (1000, 5, 2013/08/01) */

This letter is in response to the complaint you filed with the Revdex.com on July 25, 2013:

As you know you attended an Independent Medical Exam on 7/11/13. A copy of the findings of the IME was sent to you on July 19, 2013. As indicated in this report, it is Dr. [redacted]'s opinion that you have reached maximum medical improvement for injuries sustained in the motor vehicle accident and that no further treatment would be beneficial, or related to the motor vehicle accident after July 11, 2013. As a result, we will consider payment for bills and claims incurred before July 11, 2013 and any bills after July 11, 2013 should be directed to your personal health insurance

It is our current position that your Personal Injury benefits have been discontinued with reference to your treatment effective 7/11/13. As we stated in the letter to you on July 19, 2013, if you disagree with these findings, please remit a response from your treating physician within the next twenty one calendar days (21) at which time we will review and give further consideration on these claims. If we do not receive a response within this period, we will uphold our original decision in reference to your treatment. Thank you for your patience in this matter.

I would be more than happy to provide any additional information you may require. Please feel free to contact me directly at the phone number below or in writing to the following address and I will respond promptly.

Sincerely,

Claim Supervisor

860-624-8737 (Direct dial)

X-XXX-XXX-XXXX x 8606248737 (Toll Free)

Review: To Whom It May ConcernI am having trouble with The Hartford Insurance Company. My car insurance was due at the end of March. I sent them a check for $455. While on line April 2, I noticed that not only had my check for $455 been cashed but they also deducted $455 from my Visa Card without my permission. I did pay my bill by Visa back in September. At that time I instructed them that it was one time only and they were not to charge my Visa again without my permission.I called them on April 2 and pointed out to them that they had used my Visa without my permission and that I wanted a refund back to my card. They told me it would be posted by Friday, April 5. This did not happen. I called again and they told me it was their policy not to refund the amount to Visa til they had my check for 12 days. I told them that my check was cashed on April 2 and they had the money. They said according to their policy they could not issue a refund to my Visa until Friday April 12. I waited til Monday April 15 and I still had not been issued a refund. In checking my e mail I found one from their billing department asking me to call them. I did so Monday evening. They told they tried to issue a refund to my Visa and it didnt work. They asked if they could send a check to my home. I told them, #1 that they used my Visa without permission and they needed to refund my Visa, and #2 that I was in Florida for 6 months and was not home to receive a check. I also explained that they would need to pay the interest on my Visa until it was refunded. They told me they couldnt do it.I dont know what else to do. As far as I am concerned this is Identity Theft.Thank you for your help[redacted]

Account_Number: 18 PH XXXXXX-XXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation)

refund to my Visa and possibly interest

Review: My adult son was visiting me and I allowed him to use my car to go to the store. He had an accident in my car. We had a falling out because he refused to talk to the investigator assigned by the Hartford. I expected to see an increase in my insurance pending the outcome of the accident investigation, however I was surprised to see that my next bill included my son as an insured. I made multiple calls to the Hartford in regard to removing him and was told to provide proof that he isn't living with me. Each time I provided exactly what was requested but the next person I would speak with would say it was insufficient. The last person said I had to show proof of other insurance. My son and I have reconciled, and I found out when asking him about insurance that his license is revoked for a minimum of a year. I don't believe it's legal to force me to pay for insurance for someone who has no license. Further, I don't believe I should pay for covering him from August 2013 because he never lived with me and I sent in multiple forms of verification for this to the Hartford.Desired Settlement: I want a refund of the additional 102.22 paid from August through today (and continuing charges as he is still on my policy). I also want him removed from my policy immediately.

Business

Response:

We made an attempt to reach out to Ms. [redacted] to discuss her concerns. As we were unsuccessful, a letter was sent advising her of the resolution.

A review of Ms. [redacted]'s file revealed we received the necessary information to remove her son [redacted], from her auto policy effective September 21, 2013. Ms. [redacted] will receive a policy endorsement confirming the removal of [redacted] from her policy and her account will be credited accordingly.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you very much for advocating for me! I cannot thank you enough. Really I can't.

Sincerely,

THIS IS THE WORST INSURANCE COMPANY I HAVE EVER DEALT WITH, THEY PLAY BY THERE OWN RULES AND DONT CARE ABOUT THERE CLIENTS!!! THERE CLIENT HIT ME AND THEY ARE TRYING TO MAKE IT MY FAULT, USE ANYONE ELSE THESE PEOPLE ARE WORTHLESS!!!

Review: I signed up for home and auto insurance in July, 2013 with Hartford Insurance Company. Hartford wanted my credit card information on the day I signed up even though the policies were to start on different days of the month in August. I cancelled both insurance policies two days after I signed up, before my credit card was to have been charged in August. I asked what Hartford would do with my credit card information and was told it would be deleted. It was not deleted and I was unknowingly charged for the home policy. When I tried to pay a bill at my bank, I did not have any money to pay it with because of Hartford. This action, costing me $310.00 to begin with, created an overdraft on my account. Because I have overdraft protection on my account, now fees and interest charges have occurred. Hartford did not call me or notify me at all, other than sending a check for the amount. I called them and told them to cancel the check immediately and refund the money back into my bank account electronically, just the way they took it out. I was told (talked to senior billing specialists each time) it would take two business days (the money is supposed to be back in my account on August 29, on August 31, on Sept. 3, on Sept. 5, etc.). It is now September 8, 2013 and I still don't have my money. I have called five times or more (###-###-####) and each time I am told it will take two days. I have spent hours on the phone with Hartford and at my bank trying to get this resolved. I asked for a manager the last two times I called and was told both times a manager will have to call me because one is not able to come to the phone. I still have not heard from any manager at any time. Never will I do business with this company.

Product_Or_Service: Auto & Home InsuranceDesired Settlement: DesiredSettlementID: Refund

I want Hartford to put the money back into my account and pay for all fees and interest charges. I want Hartford to properly dispose of my credit card information.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: I never agreed to a paper check for $310. There was a check mailed to me before I ever knew that Hartford had charged my credit card. I only found out that Hartford had charged my card when I used touchtone teller (by phone) to check my balance on my card. I never received a phone call from Hartford. When I called Hartford and was told a check was in the mail, I told the billing specialist to cancel the check (still had not received by mail) and put the money back into my account the same way Hartford had taken it out, electronically. I called Hartford every other day to see why the money had not been deposited into my account and was given a different date, each time, that the money would be deposited. Twice I asked to speak to a manager and for a manager to call me, as I was told "a manager is not available". What business does not have a manager available when a customer calls? I believe it was on September 9, the date I was guaranteed to see the deposit, I was told another check had been mailed and that the money would not be deposited electronically. Since I needed my money to pay a bill, and could not wait any longer, I was forced to cash the 2nd check for $310 (the original amount that had been withdrawn from my account). I had only agreed to the check for $10, the amount of the overdraft fee my bank charged for the overdraft that resulted in Hartford's poor billing practices. The person I spoke to, from or for, Hartford, regarding my complaint, was told all this information, so I don't know how she could say that I ever agreed to the check for the larger amount. When a check is deposited or cashed, any bank has the option to withhold the funds until the check goes through; this is why I only wanted the refund by electronic deposit, as the funds would be available immediately. I asked to be compensated for all the times that I had driven to my bank and sat there waiting for help and all the time spent on the phone with Hartford and with my bank, but I only received an apology. An apology is not good enough for me.

Sincerely,

Review: on 7/23/12 I purchased auto insurance from the Hartford insurance co. on 8/10/13 my car I heard a big bang towards the rear of the car and the car went dead.. I called the insurance company hartford no answer, I called the extended warranty [redacted] no answer everyone was closed for the weekend, what to do??? I called [redacted] close to my house so they can send a tow truck, I was parked in a commerical strip mall... so the tow company came and got the car, come to find out it was the battery. so on sunday 8/11/13, I fax over the charge of towing and new battery, to Hartford insurance so I can get a refund for the towing, on 8/14/13 I receive a letter from The Hartford that my policy does not include towing coverage, What, I called and explain to them that if I knew it was the battery I would have gotten a new one but the bang we heard my godson and I we had to jump out of the car thinking the car behind us crashed into my car...I am in shocked that no one told me I had to purchase towing coverage, I have explained and explained to them that no one in their organization told me I had to purchase this coverage and they refuse to refund me my towing charge of $101.00. imagine that AARP recommended this auto insurance... I had been with [redacted] for 19 years never heard of such thing... annoyed at their business practices,thank you [redacted]

Product_Or_Service: auto insurance

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Refund

I would greatly appreaciated if they refund my towing charges and make customers aware that the policy does not include shaking my head

Business

Response:

9/11/13

We understand Ms. XXXXXXXXXXX concern regarding Towing and Labor coverage.

This coverage is not automatically included in an auto policy. As Ms. XXXXXX

did not select the coverage when the policy was issues, her request for a refund

for towing charges was declined.

In an attempt to assist Ms. xxxxxxx we tried to contact her to see if she is

interested in adding towing and labor coverage for future disablements, regrettaby

our attemps were not successful. If she would like to contact us we would be

able to apply the coverage for the next day.

Review: Back in May 2014, my mother and I received a car insurance quote from [redacted]. We agree upon a down payment, payment schedule, and monthly premium price. I also set up the payments to be withdrawn from a checking account. The down payment was taken out as scheduled but the payment for June was never taken. My mother then called to inquire what the problem was. At this time, it was explained that since the payment date was changed, they made a mistake and did not take out June’s payment. During this time (in the conversation), it was understood that we did not have any car insurance for the month of May because of [redacted] payment error. The person we spoke to said that they would set up the payment schedule for the checking account to start in July.

From this conversation, it was understood that they down payment would go towards the policy and start in June instead of May. I never received any notice saying I was “a month behind.” It was never told to me nor asked of me to add some type of payment to the end of my policy. Fast forward to May 2015. I receive a notice saying I needed to pay $383+ dollars for my May 22, 2015 payment. I thought this was some type of “down payment” for my renewal, so I called to inquire about this total. At that time, I was told that I had to pay $167+ for the missed May 2014 payment. So the total reflected a regular monthly payment and the last payment of $167+ for the missed month in 2014.

I know if I had wrecked a car in May 2014, this company would scream from the roof tops that my cars were not insured but since nothing happened in May 2014, they want me to pay for that month. I was told that the representative I spoke to decided to put the $167+ on the end of the policy but that was not agreed upon by me nor was it explained that way to me. The representative led me to believe that I was not covered in May 2014, and since they had my down payment, the policy could begin in June with my first payment coming out of my account in July. I never heard anything about a payment being added to the end of my policy because I would have never agreed.

The manager I spoke to yesterday tried to say that I stopped payment for the June 2014 payment, and I told her that I would be happy to show her my bank statements which would not reflect a stop payment fee. She then switched up and said that I cancelled the payment on-line. Which was not true, so then she tried to talk around the conversation by over talking me. The representative told me how to change my payment dates and that is what I did, so it is not my fault that they did not take the payment or even notice the error until I called. When I asked what needed to be paid, the representative stated that they would take the payment out as scheduled in July and apologized for the error. She never said, “You owe us money.”

I even suggested to the manager that I spoke with should review the tape of the 2014 conversation since she agreed that they record their calls. They would see that the conversation did not reflect me agreeing to any past due amount, and it will reflect that the representative never stated anything about me being behind but said payments would just start in July. If I was behind, that should have been corrected right then. Instead, this company sees an opportunity to correct THEIR error almost 12 months later, at my expense. AGAIN, if I had an accident in May 2014 they would have argued that I was not covered but now I am supposed to pay for a month that I wasn’t covered??

If I was late a whole month, why was I never charged late fees and sent several notices? How could I still have insurance if I was behind? There is no grace period with insurance and, you surely cannot be a month behind for 12 months without getting cancelled. I paid every bill and never was I told that I was behind because I WASN’T. The representative used the down payment for June, my first payment was in July, and they apologized for the error.

This $167+ needs to be removed from my account so that I can make my May 22, 2015 payment as scheduled.Desired Settlement: This $167+ needs to be removed from my account so that I can make my May 22, 2015 payment as scheduled.

Business

Response:

Review: The Hartford sold me an insurance policy in February, 2013 at the annual rate of $815. The renewal for this year has increased the policy by a little over 10%, with no prior notice. Based on the solicitation last year, the increase feels like a bait and switch tactic with the intent to charge higher rates by offering lower rates as an introduction, but not stating this up front to the consumer. A call the insurer produced a response that was generic that they have increased their base rates. The person on the line never asked me for any policy information to confirm my account.Desired Settlement: I want to continue the existing annual rate and not the higher rate.

Business

Response:

In an effort to assist Ms. [redacted], we contacted her to discuss her price change. While we understand she remains disappointed with the increase, she appreciated the call.

If we can be of futher assistance, you may contact us at [redacted]

Review: In Feb 2012, I contacted Hartford insurance to cancel a policy. The vehicle broke down & the plates were cancelled. Today I spoke to a [redacted] at Hartdord & she states I need a certificate from a salvage center to cancel & for them to not charge me & repay me my money. [redacted] stated that in Dec 2013 someone called them & requested replacement cards. She would not reveal who. I think Hartford is scamming people. I have witnesses to the vehicle being down[redacted] can verify the vehicle has not been registered from that time.Desired Settlement: I what the money Hartford has charged me for coverage for a vehicle that was cancelled from Feb 2012 to present date of Feb 2014 (24 months at 129.03) = $3096.72 minimum.

Business

Response:

We made an attempt to contact Ms. [redacted] to discuss her concerns. We were unsuccessful in reaching her by phone; therefore, a letter was sent requesting she contact us so that we may assist her further.

A review of Ms. [redacted]'s file indicates we have no record of receiving her request to cancel her auto policy.

If we can be of further assistance, you may contact us at ###-###-####

Sincerly

[redacted], Consumer /Affairs Director

Review: My car was in an accident and it was determined that both parties were at fault. The claim was filed and the car was repaired. I went to trade the car in and found out there was structural damage and didn't receive compensation for the car's value is diminished because of the type of damage.I contacted Hartford and they said since it had been over two years since the accident they had no obligation to pay and after further review they wouldn't pay. I should have known this at the time of the repairs and they are not obligated to tell me.Desired Settlement: they should pay their share of the diminished value due to damage done to the car.

Business

Response:

We advised Ms. [redacted] that the Statue of Limitations in the State of [redacted] is 2 years for Property Damage Liability claims. Because she did not file suit within two years of November 9, 2011 accident, she is barred from recovery according to [redacted] Law.