Travelers Companies, Inc.

Review: I cancelled my policy 8/18/15, switched to [redacted] Insurance, gave written notice of cancelation, and received Travelers confirmation they received. I paid my last premium the day I received their confirmation. Travelers called numerous times to get my business back, and I refused each request.

I receive a collection phone call November 20th at 7pm in the evening, I was at a work function dinner, that Travelers has sent me to collection for $319. I was livid, never had they contacted me, stating that I owed them money. I asked for a Travelers person to contact me as I have no outstanding debts and pay my bills much less have been sent to collections for any reason.

I received a collections notice from the collections agency, nothing about why I owed, just that I would be reported for not paying bills?

I copied the letter and sent to Travelers headquarters. Explaining this was a false claim.

I then received another call from collections person 2 days later. They explained this is Travelers Policy. They have in fine print they can add any fees if you cancel their policy.

I was on the phone for an hour with the person, again furious. I have the means to pay but what about the elderly or others? This should be an illegal practice to harass people. I want Travelers to have a horrible rating for this.

I ended up settling for half the amount $160, that I did not owe because I felt if I had another call from a collections agent I may stroke out!

Please feel free to publish this entire account as I will online rate them everywhere I can.

This is extortion

Awful practices!!!Desired Settlement: Stop these practices, Report Travelers

Business

Response:

A response was sent 12/16/2015 - outlining all payments made.

My findings conclude that the balance due was for the time which coverage was provided through August 18, 2015. In your inquiry to the Revdex.com, you mentioned a payment that was made on the date you requested cancellation of your policy. Unfortunately, our records do not reflect that we received this payment. Enclosed, please find a summary of your billing activity from May 18, 2015 – October 29, 2015.

Review: November 5, 2015 I called Travelers insurance to make two claims. The first claim was for A leaking roof, the second was for plumbing issues from a busted pipe in the bathroom. On November 13, 2015 claim professional by the name Domingo g[redacted] (###-###-####) came out to assess plumbing issue. Because of the extensive water damage and extremely high water b[redacted], in servicing clients in the salon. We had the plumbing issue rectified prior to him coming out. We were unable to answer questions asked by Mr. G[redacted]. He wanted to know if the pipe that was the place was under on top of the soil. We gave him The plumber information to contact him directly. We received a letter of denial from Mr. G[redacted] stating the leakage have been going on for more been going on 14 days. On November 11, 2015 a claim professional by the name of Thomas b[redacted] (###-###-####). Came out with another young man to assess damages. What's question he had for us was do you guys have a mortgage on this building, then he proceeded to ask how old is the roof. Mr. b[redacted] look at the damages inside of the salon from the roof damage went outside came back with the pictures of the flashing explaining that water was coming from the flashing not and sealed properly. Then said It looks like regular wear and tear which is not covered therefore they would not be covering our roof. We called the contractor out to come cover the flashing as indicated by Mr. b[redacted] The contractor took pictures of the entire roof and it shows where all the leakage was coming from. Pictures show the shingles have been damaged from the storm we had allowing the rain to get under the shingles even soaking through to the Plywood. So as a courtesy the contractor Sealed flashing, nailed down shingles because It was going to rain which it did) the next day. On November 25, 2015 I contacted mr. Corey B[redacted] (###-###-####). I told him exactly what the contractor said and asked if they can come out and reconsider the claim.. Mr. B[redacted] asked me to send him pictures from the contractor. I received email from Mr. B[redacted] confirming he received pictures I emailed, and he forward them on to a Mr. Octavio M[redacted] (###-###-####). On December 4, 2015, I received a email and phone call from Mr. m[redacted] stating he w[redacted] contact me by Wednesday, December 9. As of today December 15, 2015 I heard from no one. My claim numbers for both claims are [redacted]Desired Settlement: I am requesting the full amount paid to our contractor $6800 for the pair of entire roof including plywood and shingles. I am requesting $3600 to complete the inside of the salon from the damages from the roof. I'm also asking that someone you baggie with the claim for the plumbing issue in the bathroom as well.

Business

Response:

A response was sent to [redacted] 12/29/2015.

Both claims were denied due to policy exclusions.

Additionally, the roof leak claim was reopened, for consideration of documents received from [redacted]'s contractor, however, when Travelers requested a re inspection of the roof, it had already been replaced and contractor was just finishing up. Travelers was not given the opportunity to re-inspect the roof therefore no further consideration could be given.

Contact information was provided in this response to [redacted] if she had any additional questions.

Business

Response:

An additional response was sent to [redacted] from Travelers on 1/20/2016, however this complaint is not available for us to post the response on the Revdex.com website. “The response outlined the timeline of the claim, and after review of the claim our position remains the same and no additional consideration can be made.” Patricia * D[redacted] | Sr Compliance Consultant | Corporate Compliance, Consumer Affairs Travelers One Tower Square | MS08A Hartford, CT 06183 W: ###-###-#### F: ###-###-####

Consumer

Response:

Review: [redacted]

I am rejecting this response because: Traveler did not act with due diligence. Travelers did properly inspect our roof and did not attempt to reinspect anything. These people are a fraud and are only concerned about collecting premiums and not honoring customers policies. I want to be reimbursed in full for the costof our roof repair which is approximately $7,000.00 .

Sincerely,

Review: We have had this insurance co. in the past up until September 2016, we now have Hartford ins. com I paid travelers a total of $1353.73 2015. May 18.2015 $973.63 June 18/2015 $380.10. they have now put it in a credit Collection services. I spoke to them tonight, and they have not acknowledge my last payment. it was done on line from my bank. I have the proof they were paid. Please help me.

Business

Response:

A response was sent to Mr. [redacted] on February 1, 2016 outlining the premium payments made to Travelers for numerous policies, and any unpaid premium balances apart from the payments made. With his inquiry, we acknowledge that Mr. [redacted] may not have understood the earlier account bills. As an accommodation, we have suspended collection activity on his account for thirty days. However, Travelers review has confirmed the premium balances due are based on coverage we provided to Mr. [redacted] and that they are outstanding. Mr. [redacted] is urged to contact Travelers collection vendor to make payment arrangements at his earliest convenience.

Review: I have been a customer of Travelers Home Insurance since March 2012. I have never had a lapse in payment, or an interruption in coverage.

Unfortunately, in April 2013 and May 2015, I suffered loss in my basement due to the backing up of the city's sewage lines.

In the first incident in 2013 due to the level of coverage Travelers payout to me only covered cleanup and mitigation of the sewage damage. I was unable to cover restoration of the two feet of drywall, baseboards, or property loss.

In the second incident in 2015, the same thing happened with the city's sewage lines backing up and draining into my basement through the toilet. Again, the restorations of the drywall and baseboards was not covered (basically because it had not been restored from the original loss).

Please note, that the loss was due to the city's negligence. The came out and admitted that they failed to sweep the sewage line free of piled up trash. However, I was unable to recover from the city. Travelers stated to me the last incident that they would attempt to recoup from the city. I don't believe they attempted to do so.

At no time during the first loss or the second loss did the Travelers representative inform me that if I didn't replace the two feet of drywall and baseboards that my policy would be cancelled. I was not informed verbally or in writing.

In December, in a letter dated December 5, 2015, I was contacted by Travelers to that I needed to inform them by December 26, 2015 if the baseboards and drywall had been replaced, and to provide documentation of such repairs. It also says that if I an unable to make the repairs, we can discuss further.

At no point in this written correspondence did Travelers say that my policy will be cancelled if the two feet of drywall and baseboards were not replaced by December 26, 2015. At this point, I have not been informed verbally or in writing that my policy was in jeopardy of being canceled (although I've been in contact consistently due to the most recent loss).

In a letter dated January 25, 2015, I was informed by Travelers that due to my failure to fix the drywall issue my policy won't be renewed in March 2016. This had nothing to do with fixing the drywall, or Travelers would have informed me after the first loss that, although restoration of the drywall wasn't covered, I was still responsible for replacing the drywall to maintain coverage.

Travelers has used my legal claims to make an adverse decision to cancel my policy. My basement was thoroughly mitigated after both losses, and inspected by Travelers Insurance Reps. Not one rep said to me that restoration of the drywall was mandatory to maintain continued coverage.

Travelers is simply finding a way to avoid what they perceive as possible future losses. This is unfair practices, specifically to paying customers. Additionally, I was informed by Travelers that they have a process that they go through when the city is at fault to recoup funds paid out on claims. Not one time have I been informed that they actually went through that process on behalf of me or themselves. I attempted the process on my own the first time and was denied by the city. However, I shouldn't have to do anything since I pay my insurance premiums religiously.

I feel cheated, and I believe that Travelers is pushing fraudulent or unethical practices that leaves customers without coverage because they don't want to payout on legal claims.

The only answer that I have gotten from Travelers is that I didn't restore the drywall. They won't be able to show in writing or state that they informed me verbally - not even in their recent letter dated December 5, 2015.

I would like my policy to be continued, and at a reasonable cost on par with the last three years of coverage. I do not wish to be subjected to their unethical practices - cancelling without legitimate justification or using loss/payouts resulting from legitimate claims as a pretext for cancellation.Desired Settlement: I would like my policy to be continued, and at a reasonable cost on par with the last three years of coverage. I do not wish to be subjected to their unethical practices of cancelling without legitimate justification or using loss/payouts resulting from legitimate claims as a pretext for cancellation.

I would like a call from a management official is capable of making decisions on policy retention, not a customer representative with no authority to make changes.

Business

Response:

A response has been sent to [redacted] today, 2/9/2016, with an explanation as to why the cancellation of the policy stands, due to not providing the requested documentation that some repairs were corrected.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

As stated in my initial contact. Travelers never made replaced drywall and baseboards a condition upon which my policy could be cancelled.

The removal of the drywall and baseboards occurred over two years ago during the first water/sewage loss. I was not reimbursed for the anything but mitigation services.

I expect to be informed of the conditions of the service provided by Travelers. Providing documentation of fixing the drywall and baseboards was not stated as a condition for continued coverage in any letter or documentation sent to me from Travelers.

The sudden cancellation is due to me using my policy like a paying customer does. The purpose for paying for coverage is to ensure that losses to the payee are covered. It is not to pay a large company year after year simply to be paying.

My basement is not dangerous, is not exposed to the outdoors, or out of compliance with any laws that exist. I use my basement regularly.

If lack of drywall and baseboards were hazardous, houses today wouldn't contain exposed brick as a desired aesthetic. Again, using lack of drywall and baseboards is simply pretext to deny paying customers coverage for losses suffered to no fault of their own.

Sincerely,

[redacted]

Business

Response:

Travelers position remains unchanged, therefore, no additional response will be sent.

Review: ON 09/03/12 I SENT MY PAYMENT OF $424 IN WITH A WRITTEN REQUEST TO DROP THE ADDITIONAL $121 COVERAGE. AFTER 6 MONTHS I GOT A BILL WANTING THE OTHER $121 AND AGAIN I SENT A WRITTEN REQUEST SAYING I ONLY WANTED THE BASIC COVERAGE. THE NEXT BILL CAME AND THIS TIME I SENT A WRITTEN REQUEST JUST TO CANCEL MY POLICY. THIS HAPPENED AT LEAST ONCE MORE. AFTER MY POLICY ENDED I GOT A CALL TELLING ME THEY WOULD NOT CHANGE OR CANCEL MY POLICY WITHOUT TALKING WITH ME. NOW I GOT A LETTER FROM [redacted] WANTING $309! I GAVE THEM A WRITTEN REQUEST SEVERAL TIMES TO CHANGE THEN TO JUST DROP ME. I SAW NO NEED IN WASTING MY CELL MINUTES AND TIME TALKING WITH SOMEONE TO HAVE THIS DONE SINCE A WRITTEN CONTRACT TAKES SOMETHING IN WRITING TO CHANGE. I SEE NO NEED IN THEM FORCING ME TO PAY FOR SOMETHING I DID NOT WANT OR ACCEPTDesired Settlement: I WOULD LIKE TRAVELERS TO CALL IT EVEN AND TO REMOVE THE CLAIM THEY MADE WITH [redacted]

Business

Response:

A response was sent to Mr. [redacted] on January 2, 2014 from Travelers Knoxville TN Business Center as follows:

"Thank you for your recent

inquiry to Travelers through the Revdex.com. I appreciate

having the opportunity to address your inquiry in this letter.

Review: On 1/7/14 my condo suffered water damage. I filed a claim with Travelers, my homeowners condo insurer, policy number [redacted] The damage was assessed by 1/9/14 claim # [redacted] Representative said Travelers would cover hardwood floor replacement and authorized me to go ahead with the hardwood floor replacement, which took place on Feb. 1, 2014. I spent $1879.95 + $36.38 materials, $848.25 installation & $120 in delivery of the materials which I paid part with credit cards and part with cash. My credit card payment is soon coming up for payment and I do not have enough funds (I am already using funds from an equity line of credit and incurring in interest). So far this company is giving me all sort of excuses not to release payment. My credit cards are due next week and I will not be able to pay in full, which I always do, thereby incurring in more (and higher) interest. I have been a Travelers customer for many years and I always paid in full and on time. Travelers website says The claim professional can generally write you a check based on the estimate, either on the spot or soon afterward. This is not true.Desired Settlement: I would like for the company to pay for the damages in my condo per the policy plus an additional amount equal to that of the claim for the interest I have to pay to the line of credit and credit cards, the loss of days from work, the time waste dealing with the insurance company and the emotional stress I have suffered.

Business

Response:

A response was sent to Ms. [redacted] on February 20, 2014 from Travelers [redacted] Claim Service Center as follows:

"We received notice

of your complaint to the Revdex.com and wanted to follow up with

you regarding your claim experience. I

understand that as of the date of your complaint, you had not received the

payment that we issued on January 31, 2014.

As we now know, the check arrived two weeks after we mailed it. Unfortunately, you had alerted us to the

missing check and requested that we stop the check in order to issue a

replacement check. The replacement check

was issued on February 14, 2014, when the original check was cleared for a stop

payment. You confirmed for me yesterday

on the phone that you have received the replacement check.

Review: August 29 2013 My car was damaged in a hit in run outside my house during the night. I was informed by neighbors that someone had either hit my car early in the morning of the 30th. I promptly called the police and filed a report. I called my insurance company and explained to them what happened. They issued me a claims adjuster to handle my claim [redacted]. I called Catherine Lynch at [redacted] and she told me she could not locate my collision insurance. she transferred me to policy. I talk to policy and they informed me that their computers were down but I probably got seeded and that was very common. I asked them to explain what that meant. He aid its common for customer policies to be downgraded without customer realizing and that what more that likely what happened and when his computer came back up he would call me and let me know. Sure enough that what happened. After calling and calling department after department they told my my policy had been down graded and there was nothing they could do and I should have received a letter in the mail some time in April. So I have $2300 worth of damage to my car and my insurance company with not cover it. What if This was a total loss I would out ten of thousand of dollars. I am required by my title holder to have full coverage at all times are insurance companies not required to inform the consumer they have changed their policy. Some one please help me. I had no idea my collision had been canceled.Policy # [redacted]-- [redacted]

Product_Or_Service: insurance

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Replacement

I would like my vehicle repaired.

Business

Response:

A response was sent to Mr. [redacted] on Sepetember 4, 2013 from Travelers Glens Falls Business Center. It included the following: "I am following up our conversation with a brief note.

I appreciate the opportunity to address your coverage concerns and as we discussed, we have reinstated physical damage coverage on your policy as we failed to properly notify you of our intent to remove the coverage on your June 1, 2013 renewal. You will be receiving documentation by mail in the next week to ten days showing the coverage added back to your policy. Again, I sincerely apologize for your experience and wish you the best as you work with our outstanding claim professionals to address your recent claim."

Review: Travelers does not want to replace part

We have a brand new truck that was hit by one of their clients, by new I mean less than 2 weeks old and less than 500 miles on it when it was damaged. Their client opened their car door into the truck hard enough to dent it above the wheel, and then was belligerent and the police charged her with damaging the vehicle. All we want is the piece replaced, not sanded, bonded and painted, it is a new truck. Would you want the piece repaired and not replaced on a vehicle you had worked hard to save for and get. Its a $45000 dollar vehicle, we want a new piece. Not a repair, that is not unreasonable.Desired Settlement: Want them to replace the part not repair, the vehicle is too new for a repair.

Business

Response:

A response was sent to [redacted] on 9/12/2013 from Travelers Charlotte NC Claim Service Center. Travelers has reviewed the damages to the [redacted] right flare. After review the damaged flare does not requiare replacement and can be repaied. Travelers stands by it's decision to repair and refinish the damaged flare.

Review: Travelers just took out a payment automatically from my banking account on May 12,2014.We canceled the insurance on 05/15/2014. There should be a refund of the days he has not used on the policy, but when we called and talked to Bridgette she said there was no refund, then I calll back and talk to another woman and she said we would get back a $27.00 refund. We disagree with this. Pleas look into this for us. This can not be right.We only used from 05/12/2014 to 05/15/2014,three days of coverage there should be more of a refund. Thank You for helping us consumers.Desired Settlement: We would like the remainder of our policies unused refund returned to us.Dallas & Karen Rose

Business

Response:

A response was sent to Ms. Rose on May 23, 2014 from Travelers Knoxville TN Business Center as follows:

"Thank you for your recent

inquiry to Travelers through the Revdex.com. I appreciate

having the opportunity to address your inquiry in this letter.

Review: Travelers has chosen to rate my husband,[redacted], as a new driver. This was exclusively based on [redacted] an Underwriter with Traveler's decision. The most unhelpful customer service rep I spoke with was[redacted]. We wish to cancel effective 02/15/2015 to allow us time to obtain insurance for this vehicle uninterrupted. My husband [redacted] is from the UK and has been licensed both in the UK and and international license for over 26 years and can prove so and has obtained his [redacted] driver's license as a result of immigrating here. [redacted] chose not to take this information in account and said that he would be rated as a new driver, as such I need this policy canceled effective 02/15/2015 and I will be taking this to the [redacted] as well and the[redacted] for the extreme bias that [redacted] has shown against my husband, [redacted], a British citizen. It is a direct snub to the country of England and his driving record for it to not be taken into account and I believe may also be a legal one. Unless his driving record can be considered as a seasoned driver and NOT a newly licensed driver, we will unfortunately have to take this to extreme measures in addition to canceling this policy. Travelers should have to answer for their horrible attitude and language of underwriter, [redacted], and her obvious bias and ineptitude in helping and doing what is best for a Traveler's policy holder.Desired Settlement: I expect a written apology and a decision prior to 02/15/2015 rating my husband, [redacted], as a seasoned driver of 26 years. I would also like [redacted] reprimanded.

Business

Response:

A response was sent from Travelers, 2/5/2015......policy has been cancelled and contact information was provided should there be any additional questions from [redacted].

Consumer

Response:

Review: [redacted]I am rejecting this response because: This is not a formal apology for their policies in regards to experienced drivers that have immigrated from another country and obtained a license in the United States. I think a company that calls itself "Travelers" should have a better policy in regards to rating and their customer service was not satisfactory. I will not accept this response until my premium is refunded in full from the inception of the policy. Sincerely,[redacted]

Business

Response:

A response was sent as follows:

"We understand that you disagree with our underwriting approach related to drivers who are newly-licensed in the United States, and we regret any inconvenience you may have experienced as a result. However, we respectfully decline your request for a full premium refund, as coverage was afforded to you from the date this policy was issued, December 19, 2014, until the date you instructed us to cancel it, February 15, 2015."

Contact information was provided in the response letter, if they have any further questions.

Review: Auto Insurance Policy #[redacted] (for 3 cars),

car1-13 [redacted] Impreza, $305(6 months premium),

car2-08 [redacted] Yaris, $235(6 months premium),

car3-11 [redacted] Legacy, $262(6 months premium),

total premium $802(for 6 months).

start day March 5, 2015,

end day(of policy) September 5, 2015,

policy was payed in full(no monthly payments), $802 payed with [redacted].

on May 15, 2015, one of the cars(11 [redacted] Legacy) was traded for a different car(15 Scion FR-S), called to adjust the policy. the adjusted policy had lower price.

car1-13 [redacted] Impreza, $302(6 months premium),

car2-08 [redacted] Yaris, $232(6 months premium),

car3-15 Scion FR-S, $75(6 months premium),

total premium for 6 months, $609.

on May 26, 2015, Travelers sent us mail that has credited our credit card(the one that was used to pay the policy in full in the begging of the policy term) for $113. that was the price difference after switching one of the cars.

on June 24, 2015, Travelers sent us mail, stating that there has been "system processing error", and we will receive updated policy premium. new pricing was:

car1-13 [redacted] Impreza, $302,

car2-08 [redacted] Yaris, $232,

car3-15 Scion FR-S, $352,

total premium for 6 months, $886(much higher than originally quoted).

then latter we received a bill for $164 to be paid by August 5, 2015.

our policy was already payed in full for the 6 months. paying bills after the fact, due to "system processing error" was not something we agreed to. so we canceled our policy on August 5, 2015.

we were expecting to receive a check for the one month remaining(from August 5 to September 5, 2015), which we already have payed for. total 6 months premium we payed in full(after switching cars on May 15, 2015) was $609. we only used 5 months of that policy, so for the remaining 1 month, we should of received a check for $101. instead, we received a bill for $26 dollars.

how, do we owe money for something that we payed in full(for 6 months), and used it only 5 months?

I was forced to pay the $26, otherwise I would of been sent to collection.

it is not the customer responsibility to pay for the company's mistakes("system processing error"). the way I see it, if I don't like the new terms, I can walk away, and that's what I did, canceled the policy.Desired Settlement: I believe that Travelers should compensate us for the remaining 1 month of unused policy of $101, plus the $26 I was forced to pay.

101+26=$127

Business

Response:

A response has been sent to Mr. [redacted] today, 10/26/2015.It outlined the amounts due, paid, and explained there was a system processing error when adding the 2015 Scion.

We regret that you do not agree with the premium charged to

you for your coverage. However, our review

shows that the premium charged to be appropriate based on the coverage

provided.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

here is how I see the story.I go to a restaurant, and really feel like eating Hawaiian pizza. according to the menu, Large Hawaiian Pizza is $10, so I order one. I start eating it, right around I'm about half way done with the pizza, the server comes and apologetically informs me that there has been a "system processing error", and infarct the price of Large Hawaiian pizza is $22, so the difference in price will be added to my bill. I'm not happy with the way that has been handled, so I get up and leave the restaurant. A month latter the restaurant manager sends me a bill for $1, according to him I ate half of a pizza that's worth $22, and the price of the half pizza I ate then is $11. I only paid $10, so unless I pay the $1 difference, he would send me to collection.well, with that story I'm not a happy customer. I'm not a happy customer with how I was billed from Travelers either. IT IS NOT THE CUSTOMER RESPONSIBILITIES TO PAY FOR THE PROVIDERS MISTAKES(SYSTEM PROCESSING ERROR)! The error was not done by me, nor in my system. And no, you don't need to explain me the difference between pizza and car insurance coverage.The Facts:#1- I'm not happy with how the "system processing error" billing was handled.#2- I don't really care about $127, that amount of money won't really break my bank, that's just a numerical representation of Travelers mistake.The Questions:#1- Does Travelers care if I'm a happy customer?#2- Does Travelers care about $127?So unless Travelers would like to change how I feel, they really don't need to further respond.

Sincerely,

Business

Response:

A response was sent 11/5/2015:

"We regret that you do not agree with the premium charged for

your vehicle. However, our review shows

the correction to be proper based on our rates and rules currently in effect. "

I had a bad experience with this Insurance company, the office #412 agent og4944 was mean and unrespectful, the service is terrible and they are not stray forward with the client, they keep telling me to wait for a water claim and them tell me I don't have the right insurance and when I call to ask for getting the right insurance after the claim was decline , the lady tell me some ridiculous answer that only a five years old will believe, good luck with this business I don't see you guys in business for to long

Review: I called to get a quote on a home in January, and told them I would have to get some things taken care of and I would call back to pay. Called back in May (the home was still covered under another company I was going to cancel early as the policy does not expire until November of this year) to pay for the quote in full. The man I spoke with said he would have to set it up again as that one had "dropped" out of the system. I set the quote up and paid for it in full. I now have a collectioon notice that says I owe 218$ for a policy I never paid for that I canceled. I called to find out what happened and was told that the quote had actually started in January. I asked what happened to the bill and they said it had been sent to an address I've never lived at (I've been a customer since 2006 and never lived at the address they sent the bills to in my entire life). I told them I never changed my address, they said I changed it in February, I asked if they would take care of the money owed because I was not notified in the mail or when I called in may before collections to pay for that policy in full. Then the story changed to I didn't change the address until march, when I asked even if I had received the bill why wouldn't the person I talked to last month let me know I had a past due bill so I could have paid for it as I had called to payfor that quote in the first place, not start a new one on the same address? They said they couldn't help me and to have a nice weekend.

Product_Or_Service: policy

Order_Number: XXXXXXXX

Account_Number: [redacted]XXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation)

Pay the amount due, or withdraw from collections as a mistake and I will pay the full amount.

Business

Response:

Business Response /* (1000, 5, 2013/07/01) */

A response was emailed to Ms [redacted] from Travelers Glens Falls Business Center July 1, 2013.

After extensive review of Ms [redacted]'s inquiry and contacts with Travelers, Travelers has made the following amendments to her policy:

* Cancelled the original home quote with the incorrect mailing address the same day it went into effect.

* Removed balance from our internal collection department.

We were also sorry to read of her decision to cancel her remaining business with Travelers.

Review: we moved to ** and notified travlers and sent proof of insurance over a year ago and they still try to collect we have faxed them proof of insurance

we moved to ** had to get local insurance called them let them know faxed proof that we had insurance we have been sent collection letters by travelers and other collection serveces we continually fax proof of coverage to collection companies and to them but they don't stop they report this to credit agencies I want them to stop and tell the credit reporting agenciesDesired Settlement: I want to stop and to fix any credit damaging reports they have submitted

Business

Response:

A response was sent to Ms. [redacted] 5/18/2015 as follows:

"Thank you for your recent inquiry to Travelers through the

Revdex.com. I appreciate having the opportunity to address

your inquiry in this email.

Review: I had bought new lug nuts and bolts at the request of Walmart when I had my tires rotated in March 2012. The lug nuts and bolts were so tight that the bolts snapped in HALF and the front right tire flew off while I was driving. I did manage to steer the car off the road before anyone came down the street. My insurance company is charging with me as an AT FAULT DRIVER because I didn't maintain my car. I actually did maintain my car. I had new tires, new lug nuts, new bolts, new air filter, and fresh oil. They have upped my premiums by almost 50% saying that it was MY FAULT. Actually, if I had left my old lug nuts and bolts on and never had my tires rotated, the technicians would never have over tightened the lug nuts on my car causing all five bolts to snap in half.I have been with Travelers since January of 2004. I have had two tickets (January 2007 and October 2007), However, since these I have maintained an excellent and perfectly clean driving record. I have NEVER filed a claim before this one. So for ten years that have collected money from me and now they are raising my rate by $300 every SIX MONTHS to recoup the measly $4000 check they gave me for my car. I believe they have TOTALLY made a profit from me before this (considering they have collected money every month for almost 10 years) and now they say that I did NOT do my due diligence as a responsible driver. This is completely fraudulent and frivolous. They REFUSE to go after WalMart but have no problem penalizing me.

Product_Or_Service: Car Insurance

Account_Number: [redacted]

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like a reasonable and fair premium since I AM a safe and responsible driver and car owner.

Business

Response:

Business Response /* (1000, 5, 2013/07/02) */

A response was sent 7/1/2013 to Ms. [redacted], from Travelers Glens Falls Business Center. As discussed with Ms [redacted], Travelers claims area recently re-evaluated the "at fault" designation of the April 11, 2013 accident. As a result of this additional review, the accident has been changed to "not at fault." The rating of her policy has been adjusted to reflect this change and she will receive an updated policy declaration in the near future reflecting the reduced premium for the July 24, 2013 to January 24, 2014 term.

Review: Travelers is mishandling the multiple policies that I currently have with them. [redacted]dmitted on 8-8-13 that my account had been seriously mishandled and was "screwed-up" which is an understatement. I have been a customer for over 20 years and cannot resolve anything via phone. I have received multiple copies of ever changing policies via e-mail and regular mail. I have also received multiple refund checks for issues unknown followed by statements of money owed without a coherent reason. When possible, I have called to have the checks credited to the various balances due. I called in early May to discuss an severe increase in my auto insurance that was outrageous for a 2003 car. The woman that I spoke with admitted that I was being overcharged and had been over charged for the past 18 months. I am seriously concerned that Travelers is fraudulently handling my account, I am being over charged more than they have admitted, and that I will not have the coverage that I need when an emergency happens. Today, I spoke with [redacted] in re an invoice that I received for $46 and he mentioned a mystery payment of $53. Per their online system, no balance is due for any of my insurance policies.

Account_Number: [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

1) a refund for being overcharged for my auto insurance for 18 months (prior to 5-8-2013 statement);2) a detailed explanation as to why I am receiving multiple and different polices without explanation 3) A breakdown of what I owe for my homeowners policy (called today about receiving an invoice for $46 - mailed 2 days before I called on 8-8-13 and increased the coverage from $21,000);4) A detailed accounting of what has been going on with my insurance policies; and5) A letter of apology

Business

Response:

A response was sent to Ms. [redacted] on September 10, 2013 from Travelers Knoxville Business Center. It outlined her payment history on auto and condominium policies. She received a summary of payments / credits, and the account discount for having auto has been re-applied to the condo policy. With her consent back on 8/8/2013, coverage for her piano was added to the condo policy rather than a separate PAF policy, which resulted in an increase in the condo policy premium. Her PAF policy was cancelled back to the original effective date, resulting in a refund.

Review: My roof was inspected by a local roofing company. We sustained Hail damage. We contacted Travelers and filed a claim. They sent [redacted] to come and inspect our roof. He spent less than 15 minutes and came down and said it would not be covered. Travlers covered my neighbors house and they sustained the same damage. The other inspectors coming and checking roofs all spent at least 45 minutes. I told [redacted] I was not happy with this response and please give me his supervisor. I spoke with his supervisor, [redacted] who said the roof is old and the roofer is just looking to make business. I told him I would file a complaint. He said to go ahead and do it. It won't matter who I report it to, it won't effect Travelers. I asked for an independent adjustor - they said we could pay for who we want but they won't cover the roof. I called his manager - [redacted] - and basically got the same response. I want to know why Travelers replaced my neighbors roof but not mine. This is not fair and equitable and our treatment by them was appalling. At least 8 other houses have had their roofs covered by their insurance companies. As stated, Travlers covered my neighbors roof, but not mine.......Desired Settlement: I would like Travelers to replace my roof which sustained hail damage and that is covered under my policy.

Business

Response:

A response was sent to [redacted] on April 29, 2014 from Travelers Hartford CT Claim Center as follows:

"Please accept this letter as our

response to your correspondence sent to the Revdex.com in

Review: WE have Travelers for our home woners insurance. We took a small 3 day trip and when we came home my wife had discovered a leak in our second bathroom, that wasn't there before we left for our vacation.We have a cleanwell maintane home, and she does clean and we would have noticed something if it had been going on.The insuranceis refuseing to pay the damage, it has been to date a fight.They send the agent over,he looked at it and said it looked like it was more than 14 days old and would not cover it.He also did not have a camera for pictures.We had to get our contractor to take the pictures and send them to him on his e mail because he could get them any other way.To me that puts up a red flag.they said they would cover the tear out of the the toilet and the sink and the ffloor to do a better inspection, then put all that back.Just they wouldn't pay for anything else.It has been since June 21st.We ahve not gotten any money for anything yet, our contractor does not work for free.We call 7/7/14 left measages no one call us back. This is not the service I have been paying for all these years.All we want it our bathroom fix,no more no less.They also told us that if it was older than 14 day that they would not cover it.We asked where in the policy that was written so we could look it up.They said it was on page 10,well in the copy they send us there was no page 10.We can provide a statement from our contractor and the plumeer who are experts in this feild as to the damage done. The insurance compay said if we want a enginner to look at it then we could pay for that also.Desired Settlement: We would like them to take part of the money we have been paying them al these years,the money they have been making money off of.We just want the damages fixed in our bathroom.We are retired and do not feel it right that we should spend the rest of our years sitting at home waiting for something to go wrong so we can call it in within those 14 days.We sort of thought about enjoying our lives and our home.We need follow from them something,if they say they will call then call.

Business

Response:

A response has been sent to [redacted] 7/15/2014 from Travelers Portland Oregon Claim Center as follows:

"Your dwelling was inspected on June 26, 2014 with your contractor [redacted]. Our inspection revealed that the floor was soft from exposure to water. As part of our investigation we agreed to have [redacted] detach the toilet and pull up the vinyl floor"........he proceeded to do that the next day, photos were then submitted showing extensive water damage(s) to the subfloor, baseboard(s), lower wall(s) and floor covering(s). "The photos showed evidence of shower, toilet leaks and rot damages. Based on the amount of damages found in this area this is not a recent leak but one that has been ongoing for an extended period of time. It also appears that both the toilet and shower are leaking possibly due to faulty installation aas the bathroom was remodeled two years ago." (the letter includes the policy language in section HO-3(11/06)

"Our investigation revealed that the damages you are claiming have occurred over an extended period of time and possibly due to faulty installation. It also appears that there are two leaks. The shower and toilet are both leaking. As the above mentioned exclusion are applicable to the loss the damages do not qualify as a peril insured against. Thus no policy beneifts are available under the Additional Coverage of Limited "Fungi", Other Microbes Or Rot Remediation.

Our records show we have advised you of the process and coverages on 6/24/14, 6/26/14, 6/30/14, 7/3/14 and 7/8/14. While no benefits are available for your loss, we have issued payment for damages caused as part of our investigation. A payment in the amount of $1,143.49 was issued to you on July 3, 2014. A copy of the estimate has also been previously forwarded to you."

Review: [redacted], I tried to cancel an automobile insurance policy that was under my brother who was passed away on [redacted]. The premium for the policy was paid on [redacted]. The policy will renew starting [redacted] to [redacted].

A travelers auto company rep, stated that she needs a copy of executor orders/document to cancel the policy. She said a copy of death certificate will not sufficient to cancel the policy. All other companies those associated with my brother were very supportive, cooperative, and trust. The Travelers Auto Insurance Company was the only company (rep) was not cooperative and not supportive to cancel the policy. I am the only family member came to the [redacted] to take care of my brother who was passed away.Desired Settlement: Cancel the policy and refund the premium immediately.

Business

Response:

A response was sent via email from Travelers, 5/27/2015 as follows:

"Thank you for speaking with me by telephone on May 26, 2015

in regards to your inquiry filed through the Revdex.com.

Review: My name is [redacted]. My husband and I are senior citizens, 86 and 84 years of age respectively, who have been insured with Travelers for a very long time. Within our tenure with Travelers, we have not had excessive claims ... not more than two in all of these years. I recently filed a claim as a consequence of a loss that incurred from the inclement weather in the spring in my home town. The claim for a loss in May was filed on 20 June 2015. I am still battling with Travelers to fairly pay my claim. My house is a 1300 sf frame home with 3 bedrooms and 2 baths, living areas, dining, and a kitchen. It resides in an inner-city section of town that is predominantly African-American and populated with senior citizens living on a fixed income. I sincerely feel I am being redlined by Travelers because of where I live, and that is why they are declining my repairs. They are making me feel that they are giving me all I deserve because of where I live. My roof was damaged from the inclement weather as well as was the underlying decking. Also because of water damage ensuing from the roof, my ceilings in my kitchen, den and dining room were affected. They paid the minimum amount of damage on the claim, and after my high deductible, sent me a nominal check. I hired a contractor to estimate my damages. The contractor met with [redacted] their adjuster. The adjuster had to issue a supplement for repairs badly missed in his original estimate. Had I not had the presence of mind to contact a contractor, they would have gotten away with the poor adjusting. The contractor has always maintained that the decking on my roof should be replaced because it too was damaged from the inclement weather against which the claim was filed. [redacted] told us that if we had shiplap sheathing (1x6s that formed the decking) and the code indicated that the decking would have to be replaced, Travelers would replace it. When my contractor informed Travelers of the shiplap underneath the roofing material, the claims department literally told my contractor to prove it. My contractor has been dealing with them to get a fair assessment of my damages since August 2015 ... back and forth. Well, the contractor in an effort to prove the damage, dropped my ceiling in my living room to commence repairs to the ceiling. Once dropped, it was discovered that the material underneath had to be replaced, material that was not visible from the outside on the ceiling. Part of the claim was to replace the damaged ceiling tile. When the tile was demolished, it was discovered that there was sheetrock underneath. Also, it was discovered that the decking was damaged to the roof, and that the damage to the decking was highly visible. All of this ensued from the water damage from the storm that the claim was initially filed. My contractor contacted the insurance company to inform them that they had the proof to support replacement of the decking. The damage was documented comprehensively with pictures, and the ceiling was left open so that the damage would be visible. He invited the adjuster to come back to see. Moreover, my contractor sent in the City of Dallas code that mandated the decking would have to be replaced, and in addition, overlaid with OSB. Travelers sent out a male/female team on yesterday, 10 December 2015, to inspect the damage. The team told me that I would hear something before close of business. Today, my contractor had to contact them because it was nearing 5 pm, and we had not heard from them. Such disregard for a customer! Imagine my discontent when my contractor informed me that Travelers was denying any further responsibility for the damage. Travelers is clearly taking advantage. I know that I would not be treated this way, if my home were in a better part of town. At my age, I am being forced to fight the insurance company. If I must, I must! This is the first step --- reporting Travelers for redlining in an urban setting. My home may be 50+ years old; however, it is my home. My husband and I have kept it up very well. I want my house fixed according to the code and the damage I incurred --- according to what I pay for each month.Desired Settlement: I am requesting that Travelers repair my home. Even though I live in an urban community populated by senior citizens on a fixed income, I deserve to have my home properly repaired based on the damage and not the area in which I live. I am sick. My husband is recovering from brain surgery. We pay our premiums on time each month. They raised my premiums after filing the claim, and now they have the nerve to not pay the claim. I have some very nice things in my home. I just want my home repaired correctly. I am tired of fighting. I am tired of begging. Travelers should not treat their customers this poorly. I have read about insurance companies redlining their customers. If they are not going to treat me fairly, they should not take my money. I placed my trust in them to insure my home. Now I need them to act upon that trust as well as the insurance for which I pay. Moreover, I want my house properly insured. They are over-insuring my home. There is no way that my home should be insured for the amount that I am being insured. That is just another way to get money from poor people. I am so disappointed that at my age and the amount of money that I pay, Travelers is being so unfair.

Business

Response:

Travelers claim has made several attempts to contact [redacted] however, there has not been any return calls to Travelers to discuss her complaint.

Business

Response:

No response will be going to [redacted] Travelers position remains unchanged.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: it is not a reputable way to treat the client.

Sincerely,