Travelers Companies, Inc.

Review: I was being billed month-to-month for renters insurance because I was buying a home in July. In June, I called them to ask how to proceed with the June invoice and told them I was purchasing a home. The woman said to just disregard the bill and by not paying it would automatically terminate. So I did that. Then in October I get a collection notice. When I called to ask if it was legit, the woman told me I was billed because I didn't "cancel". When in fact, they have a record of my phone call in June. I was told to disregard the invoice. Not sure what I was suppose to have done differently since I did call them. When I asked the woman about what I should have done differently at that time in June, all she could say was she could "definately take payment" for me. I had NEVER made a claim with them in the two or three years I had their insurance.Desired Settlement: Dismiss this collection and repair any related credit damages.

Business

Response:

A response was sent to [redacted] on 10/23/2014 from Travelers as follows:

We have reviewed your account

and we will be waiving the premium due. Your balance due is $0. We have

contacted our collections partners and advised that you no longer have a

balance due.

Review: I ended my rental insurance through Travelers and was told over the phone that I did not owe anything more. A week later, I received a bill for termination. I paid the bill and was told again that my account was closed. A month later I received a letter in the mail stating that I owed $37 from past insurance dues, which I paid. I again called and was told that a mistake had been made and that my account was closed. I received a notice in the mail a week ago stating that my account was past due and in collections through [redacted]. I called travelers and paid the bill, again. I asked them what happened to the payment I made earlier, and they said they didn't have any record of my payment. I told them about my issues with paying the bill like they asked. I asked if they could take this off of my credit report as I had receipts from it. I was told they could not, and that I would have to contact the collection agency to stop the credit report. I have tried everything to work with Travelers, but they will not work with me. They keep asking for money, and keep putting information on my credit report about my account being past due. I've paid, and paid and paid.Desired Settlement: I would like my account cleared and the negative remarks off of my credit report.

Review: Travelers insurance refused to pay for WINDSTORM damage to our back deck/patio which presents a death trap to our family. The paid to have the deck stained which I find to be very ironic. They also refused to pay for carpet replacement due to water floor to our basement. They later suggested that we had rotten soffit or something and which they suggest would amount to further denial in the future. We pay for carpet replacement which [redacted]t completed and saw no dammed or sign of water under the carpets.This suggested that the water did not come from the floors. We also showed the damage to our home elevator which Ms. A[redacted] their (adjuster) claims was due to ware and tear, even though the elevator is only 4 years old. They changed the roof and sidings declined to pay for painting and other cosmetics related to fixes.

Product_Or_Service: Home Insurance Claim

Order_Number: [redacted]

Account_Number: 0M[redacted]85626331Desired Settlement: DesiredSettlementID: Other (requires explanation)

1. We would like a my patio reinforced to prevent harm to my family.2. I would like a reimbursement for the carpet replacement due to water resulting from the storm.3. I would like a repair of my elevator.4. Refund for paining and payment we made to get ride or order resulting from the wet damaged carpets.

Business

Response:

A response was sent March 14, 2014 from Travelers Overland Park KS Claim Service Center as follows:

"This letter is in response to your complaint filed with the Revdex.com (Revdex.com).

On June 25, 2013 we performed an inspection of your home in response to your filing of a claim for hail

and windstorm related damage on June 21, 2013. During this inspection, the claim professional found

evidence of hail damage to vinyl siding on all elevations, soft metal vents on your roof, shingles, and

gutters. The claim professional also found wind damage to the rear elevation soffit and right elevation

fascia. An estimate was prepared for those observed damages. The estimate written reflected a

Replacement Cost of $27,227.89. We issued payment to you less your deductible and recoverable

depreciation in the amount of $20,162.85.

On July 16, 2013 the claim professional received confirmation from your contractor, Frank Fabio

Company that they would complete the required repairs to your home for the estimated cost of

$27,227.89.

On or about August 16, 2013 we received a different contractor’s request and documentation for a small

supplement increasing the estimate to $27,315.50. The claim professional validated the request and

issued payment for the recoverable depreciation plus small supplement totaling $6,152.65.

On September 4, 2013 the claim professional received another supplement request from this second

contractor, A[redacted] Construction Company in the amount of $4,000.00 with no explanation of

what the supplement was for. We then discovered the previous documentation this contractor supplied

was only for the roof portion of your claim, not for the siding. The claim professional had already

released the recoverable depreciation applied for the roof and siding and your claim was paid in full to

the Replacement Cost less your deductible. This contractor was requesting an additional $4,000.00 for

replacement of the siding portion of the estimate which we then discovered had not yet been completed.

The claim professional attempted to reach this contractor to discuss the $4,000.00 supplement request

but never received a return call. The claim was returned to closed status.

On October 15, 2013 the claim professional met you at your home as you requested based on additional

damage you observed in your home consisting of water damage. As your claim professional explained to

you at that time, the interior water damage was unrelated to your prior hail and windstorm claim on June

20, 2013. The water damage appeared to be seeping through the foundation of the home. You showed

the claim professional papers which you contend were from Travelers in the form of an estimate which

allowed for carpet and pad replacement. The claim professional pointed out to you that the papers which

reflected carpet and pad were not part of the Travelers work product Xactimate estimate as it did not

inlude the Travelers logo nor was in Xactimate format. The claim professional followed up in writing

advising you that not only was the interior water that was observed five months after the original claim

date of loss unrelated to that claim, but that seepage of water through the foundation of the dwelling was

specifically excluded by your policy.

The deck which is attached to your home was included in the original estimate to pressure wash and

stain. This was due to small indentations left by the hail. Pressure washing the wood raises these minor

indentations and is an industry approved repair method. Once power washed, the stain should be

re-applied. You contend the windstorm “loosened” your deck when in fact the wind speed recorded in

your area did not exceed 60 MPH based on NOAA data. Wind speeds less than 60 MPH are listed as

“UNK” which means Unknown. The claim professional did observe some areas on the deck which

showed a lack of maintenance which is also specifically excluded by your policy.

The elevator in your home which you also claim was damaged is not a result of the hail and windstorm

of June 20, 2013. The observations by the claim professional were that the elevator was not working

properly due to wear and tear and lack of proper maintenance. Again, this is specifically excluded by

your policy."

Review: When the insurance company did the audit for our workman's comp. insurance, they included the officers/partners of the corporation. This resulted in a very high premium. I investigated and found that they do not have the exclusion forms that exclude the officers of the corporation, so my broker sent it to them. However, they would not recognize the exclusion form and went to collection agency to collect the balance in the amount of $4,382.00. I contacted the collections agent, Michelle J[redacted] (###-###-####) and explained the matter to her. My broker, Mike S[redacted] Insurance; ###-###-####)has sent them the coverage election/rejection forms. However, nothing happened and she transferred me to another agent, Carol G[redacted]. They continued to send me the collection notice. I am now filing this complaint against the insurance company involved to stop this collection and honor the [redacted] Worker's Compensation Coverage Election/Rejection forms that my broker submitted to them.Desired Settlement: Stop collection process and honor the exclusion forms submitted.

Business

Response:

A response has been sent 12/16/2015......

Your insurance application for Workers’ Compensation and exclusion form on file sent to Travelers by your agent only named you to be excluded; therefore, when the physical audit was completed, the auditor excluded you as the policy endorsement indicated.

Review: Car has been taken following my accident without my notification; my license plate was lost

Following my accident (the other driver was at fault, indicated by the police report) I contacted his insurance (Travelers) to file a claim. I was assigned [redacted] as my adjuster. My car was totalled. A week after the accident, the insurance company picked up my car without any notification, taking my license plate and some of my belongings with it. For 10 days I have tried to contact the adjuster to obtain proof that they have taken the car; they have been unresponsive and unwilling to work with me. I have found that somewhere along the way, they lost my license plate and belongings as well. I feel that I need to file a police report for the plates since I do not want my name to be associated with anything that happens with a car the plate may not be attached to (if it was in fact stolen). They cannot send me a check for the car before I have sent them the title and power of attorney paperwork (which took them ten days to provide to me) yet they have already listed the car to sell it for parts. Despite the accident occuring almost a month ago, they have been very unresponsive when I have asked them to deliver the paperwork I need to complete. This has led to me having the return the rental, and I still have not received a check for the car.Desired Settlement: Expedite the process to finalize the paperwork, including sending me a check for my totalled car. Also, find and return my plates and belongings from the car. I would like to be reimbursed for the costs I have incurred while I have not had my own car once I returned the rental, as this process has taken much longer than necessary. I would like more prompt notifications of the status of my claim from [redacted], and if he is not able, then from his manager. I have only received one call from

Business

Response:

A response was sent to Ms. [redacted] on October 16, 2013 from Travelers [redacted] Claim Office:

"We

have reviewed this claim and your concerns and wanted to respond to your

inquiry regarding your total loss claim.

Review: My ex-husband transferred title of a 1999 [redacted] Camry to me in Oct. 2014 to satisfy a court ordered agreement. His father was insuring the car through traveler's insurance. When title was transferred to me, I surrendered the plates to my ex husband and took the car off the road until I sold it. About 2 months later, Travelers asked me for payment for insuring the [redacted]. I called them and said I never asked them to insure the car and to please stop billing me for it. I never authorized them to insure the car. I never signed an agreement with them to insure the car. They continued to bill me. They claim that I now owe them $549.67. It is now in collections. I have contacted them numerous times to stop insuring the car I no longer own. They stopped, but they claim I owe them $549.67. I do not owe them this money. It is money that accrued after title was transferred.Desired Settlement: I never authorized Travelers Insurance to insure my car. Traveler's should cancel the debt they think I owe them and fix my credit report to reflect the incorrect billing.

Business

Response:

A response was sent to 11/22/2015.

We have thoroughly reviewed our policy records with information also provided

from the agency and we have revised the

cancellation date. Balance due is now $0. We will not

be communicating any information, positive or negative, to a credit bureau.

Review: The company sent me a past due amount for 6 months of automobile insurance at the end of the coverage dates.

I signed up for pay roll deduction by my employer's benefits company- Marsh Benefits to pay for my automobile insurance through Travelers Insurance. Approximately $50.00/week was being deducted from my paycheck and sent to Travelers, via Marsh Benefits, to pay for my automobile insurance. March 27, 2013, I was laid off with my company and on March 31, 2013, Marsh Benefits received the last pay roll deduction for Traveler's Insurance. Traveler's Insurance continued to request payment from Marsh Benefits for my automobile insurance coverage. Of course, since I was no longer employed, money could not be deducted from my pay roll and sent to Travelers. It was not until July 11th, 2013 that Marsh Benefits notified Traveler's Insurance that I was no longer employed and that the deductions had ceased. On July 12th, 2013, Traveler's Insurance sent me a bill for $2,263.70 for automobile insurance coverage from Feb 2013-July 2013. I contacted Travelers and they advised that I was responsible for paying the money. They stated that they were not aware that the pay roll deductions had ended until July 11th, despite the fact that Marsh Benefits had not paid them since March 2013. They stated that if I do not pay the $2,263.70, it will be sent to collections.

Please note that I will be filing a complaint against Marsh Benefits.Desired Settlement: I am seeking that the company not charge the 6 months of coverage ($2,263.70) as I never knew it was being provided since I was not paying for it. Any other insurance company would drop coverage or at least contact the customer to request funds for coverage and not continue to charge the customer without notifying them.

Business

Response:

Business Response /* (1000, 5, 2013/08/02) */

A response was sent to Mr. [redacted], 8/2/2013, from Travelers Glens Falls Business Center. Travelers conducted a preliminary review and find that additional research is necessary in order to provide an adequate explanation.

In light of this, Travelers has suspended the billing on Mr. [redacted]'s account for 30 days. This does not prevent him from making payments that are due. However, it will prevent the release of any billing or cancellation notices.

Business Response /* (-10, 7, 2013/08/09) */

Travelers will be responding to Mr. [redacted]'s complaint from the Florida Department of Insurance.

Review: My wife [redacted] and I bought our first home in Nashua, NH on May 20th 2013. We used Travelers for our home insurance along with our car insurance. On June8-10th we received a cal from an unknown company out of NH saying they needed to come do a physical inspection of the property as there contracted by Travelers. We were never informed about this from Travelers. So being cautious on how the world is we said we just want to check with travelers and well call you back to set up an Appt. We called and Travelers said yes this is a Company they contract to do inspections. we asked how come we were never notified and they "travelers" said its not in there policy to notify. so we called back and made the appt when the inspection company said the order for inspection was cancelled. We called Travelers back and they told us the order was cancelled and not to worry it happens. So on June 18th we received a Cancellation notice stating our policy is cancelling due to "refusal of inspection" THIS IS A TOTAL LIE. SOOOO we jumped through hoops to get this done. We have documented phone calls with names of managers, employees, date and times of everyone saying they messed up and this will be taken care of and our policy will **NOT BE CANCELLED DUE TO THERE MISTAKE[redacted] THEY DRAGGED THERE FEET INTO RUSHING THIS ISSUE AND NOW JULY 2ND COMES AND OUR HOME INSURANCE HAS BEEN CANCELLED DUE TO THE TRAVELERS SCREW UP. THIS IS NOT RIGHT. THE DISTRICT ATTORNEY AND LOCAL LAW ENFORCEMENT HAVE BEEN NOTIFIED ALONG WITH NEWS MEDIA. THIS IS DISGUSTING AND NOW WERE HOME WITH A 2 WEEK OLD BABY AND NO HOME INSURANCE AND WERE IN JEOPARDY OF LOSING OUR MORTGAGE.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

WE WOULD LIKE OUR FULL REFUND OF ALL MONIES TAKEN OUT FROM BEGINNING OF POLICY AND REMAINDER OF POLICY ALONG WITH ADDITIONAL MONIES BECAUSE OUR RATES HAVE SKY ROCKETED BECAUSE OF THIS.

Business

Response:

Business Response /* (1000, 8, 2013/07/19) */

A response was sent to Mr.[redacted], July 18, 2013 from Travelers Glens Falls Business Center. In reviewing Mr. [redacted]'s inquiry, we have found the following has occurred:

* Travelers offered to continue his home policy uninterrupted with an additional 90 days to address the concerns noted on the inspection.

* Our records indicate he declined this offer and elected to move his policy to another carrier. As a result, his Travelers policy was cancelled effective July 2, 2013.

* A refund check in the amount of $720.00 was mailed to his address at Nashua, NH XXXXX and received on July 8, 2013.

* The refund was for the amount of unearned premium from the date of cancellation, July 2, 2013 through the policies original end date of [redacted] 10, 2014.

We are unable to provide any additional refund (unrelated to the amount of unearned premium listed above).

Review: On 2/21/15, adjuster [redacted] came to view rot/water damage under our master bedroom shower that had been discovered during a 2/13/15 home inspection for coverage. [redacted] came knowing all details of inspection and damage. Under our policy with Travelers Insurance, it states that "if loss caused by a peril insured against results in 'fungi,' other microbes, or rot, we will pay for: (1) remediation of the 'fungi,' other microbes, or rot this includes payment for the reasonable and necessary cost to: (a) remove 'fungi,' other microbes, or rot from covered property or to repair, restore, or replace that property; and (b) tear out and replace any part of the building as needed to gain access to the 'fungi,' other microbes, or rot. This is quoted from paragraph 16, section a (page 9 of 25). [redacted] refused any and all coverage, however, stating that he believed the rot had occurred over a period of time and that it contradicted with another section of our policy. We could not see any rot, damage, or any signs of it, so therefore we could not treat it. I explained this to him and referred him to paragraph 16 quoted above. He told me it did not matter and that he would do nothing. I explained my frustation that two sections of the policy appeared to contradict each other in our particular case and asked him to be reasonablethat we could see no damage until it was literally dug up. He told me he would do nothing. So now we are left we a hole in our bathroom floor with exposed rot and mold as well as rusty nails that any of us or our dogs could fall into as well as a being faced with thousands of dollars of repairs that we cannot afford.

Product_Or_Service: Insurance

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

I want insurance coverage as described in our policy, as quoted abovethe coverage to remove any water damage and/or rot, as well as repair and replace lost/damaged property due to rotted areas (exactly as described in our policy, chapter 16, which we pay for, and Should be entitled to as we informed the insurance company as soon as we found out about the extent of the damage).

Business

Response:

A response was sent 3/4/2015 from Travelers:

As has been previously communicated to you,

after researching this claim, Travelers Commercial Insurance Company determined

that your policy does not cover the rot, mold or water damage, to the master

bathroom which was caused by an ongoing leak from the shower system.

Review: In November the travelers sales agent asked me if I wanted a discount for driving less then 14k. I have never drive 14k/ year sense I came to Virginia so that was a easy yes. The sales agent never told me I had to attach a divine on my car in order to get the discount. After everything is sad and done and I am already covers and driving with my insurance I receive a small diverse that I didn't expected or recognize, so I thought it had to be a unwanted present so I tossed aside with out paying munch attention.Next I received a mail saying I must to attach a divine in my car or pay the discount that had giving to me. I called and asked the person on the phone to to listen to the sales agent and I on the phone, The day he sold the insurance, after she listened to the recorded she called me back and agreed that the sales agent never told me anything about the devise I had to install in my car. She apologize and gives me the same option: to install the devise or pay the deference. Now they are sanding me a bill for $52.00.Policy number: [redacted]Desired Settlement: I want Travelers insurance to take responsibility for their actions, I want to keek the discount and I don't want to anything in addition to what I already payed. I wonders if that happen just to me or it it their common practice. [redacted]

Business

Response:

A response was sent to [redacted] on February 27, 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: I am filing a complaint on Travelers insurance on [redacted] st on [redacted], Tx. I [redacted],had spoken to Mrs. [redacted] regarding my vehicle claim for uninsured motorist and at the time she explained that my deductible would be $500 eventhough the damages were not caused by me but by another uninsured person. After being assigned a representative in [redacted], I therfore spoke to him regarding my incident. [redacted] was very informative and helpful and he then started asking me questions on the incident and stated and quoted me that I should only be charged a 250.00 deductible. [redacted] seemed very helpful so I believed and trusted his words by him giving me good news on what I would be getting charged upon picking up my vehicle.Upon arriving at the claims department to pick up my vehicle,I was charhed $500. And to sum it alll,my vehicle still wasnt ready and still had paint crack/chip which was touched up at the last minute by touch up paint looking like liquid paper coverage. I was even asked to fill in a survey before finishing up all the transaction.As [redacted] was arriving he denied he ever quoted me 250.00 for my payment to be expected. I then explained that I never asked for a discount but was offered and quoted by him upon our conversation in which I went in expecting to pay 250.00 which I was therfore charged 500. On my card.

Product_Or_Service: Repair on vehicle, deductible

Order_Number: [redacted]

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

Refund on credit card for the difference I was charged and do expect for Travelers to listen to recordings on employee quoting me a differemt price.

Business

Response:

A response was sent to Ms. [redacted] on September 17, 213 from Travelers [redacted] Claim Service Center. After a thorough review of the file notes and a discussion with the claim handler, Travelers is confident that the claim was handled appropriately with the Collision deductible of $500.00. The claim handler indicated that he did not, at any time, communicate a deductible amount of $250.00, and further indicated he was not present at the shop when the vehicle was dropped off for repair. Please note that your policy does not carry UMPD and therefore would not have been an available coverage option. The repairs to the vehicle carry a lifetime warranty from [redacted] and Travelers. Contact information was provided to Ms. [redacted] if she has an additional concerns or questions.

Review: I received an offer for a $20 gas card if I called and got a quote from Travelers. I called and activated the code and the card never worked. I called Travelers back even though the numbers on the back of the card had mostly worn away. I read what I could see of the activation code and the woman I spoke with said she activated that code; however, I told her that I wasn't sure that was the code. I asked her to send me a new card and she said she could not do that. I told her I felt I had been swindled a bit and she said that was fine! I asked to speak to a supervisor and of course one was not available.

Desired Settlement: DesiredSettlementID: Replacement

I would like Travelers to send me a new card.

Business

Response:

Business Response /* (1000, 5, 2013/07/12) */

A email response was sent to Ms. [redacted], 7/12/2013 from Travelers Glens Falls Business Center and the $20.00 gas card will be replaced.

Review: Another car backed into my car on Feb 2, 2013. I reported the accident to my insurance company. The other driver admitted 100% being at fault. I have an eye witness that will testify the other driver was 100% at fault. I got a quote for the minor repair ($523.33) from a reputable repair center [redacted] Windsor, NJ). The other driver then changes her story, so now I have to claim from her Insurance company (Travelers). Travelers are not paying for the claim. They have made little to no effort to contact the eye witness and they are very slow in responding. I get the impression that they are trying to drag this out to see if it will just go away.Travelers Insurance Ref #: [redacted] New Jersey Claim CenterAuto Damage Claims RepresentativeP.O Box 1900Morristown, NJ XXXXXPhone: XXX-XXX-XXXXFax: XXX-XXX-XXXXEmail: [redacted]@travelers.com

Desired Settlement: DesiredSettlementID: Other (requires explanation)

Please contact the eye witness, conclude the investigation and pay the $523.33 to get my car repaired. Thank you.

Business

Response:

Business Response /* (1000, 5, 2013/05/29) */

A response was sent to Mr. [redacted] from Travelers New Jersey Claim Center, May 15, 2013. The delay stemmed from attempting to obtain the witness information. Travelers called 7 times to Mr. [redacted]'s wife in order to obtain the witness information. Contact was made with her, but she needed additional time to get the information. Another 13 days passed, and Travelers again reached out to her. She instructed Travelers to contact the insurance agent for the witness information. Since that time, Travelers has been unsuccessful in making contact with the witness, even sending claim adjuster to go to the witnesses place of employment to obtain a statement, but were still unsuccessful. Once Travelers makes contact, they will notify the [redacted]

Consumer Response /* (3000, 7, 2013/05/30) */

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

In response to Travellers trying to contact Mrs [redacted] 7 times ... yes, Travellers kept calling us directly at home, while we were at work, instead of contacting our Insurance company [redacted] directly. We were in contact with our insurance company all this time.

Travellers have not made a proper attempt to contact the witness, who works at a Dry Cleaners.

They have made little to no effort to contact the eye witness and they are very slow in responding. I get the impression that they are trying to drag this out to see if it will just go away.

Business Response /* (4000, 9, 2013/06/04) */

A response was sent to Mr. [redacted], June 4, 2013 from Traveler Morristown NJ Claim Office. Since the response of May 15, 2013 Travelers has made several more attempts to reach the reported witness, by phone and in person to the place of employment.An employee there indicated the person we are looking for is no longer employed and would not provide additional information. Since Travelers has exhausted all efforts, it is discontinuing to reach the witness, unless Mr. [redacted] can provide other means of contacting her. In the interim, Travelers will maintain it's position as previously communicated.

Consumer Response /* (4200, 11, 2013/06/10) */

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

Thank you for your response. The eye witness worked at the Dry Cleaning business until recently. I tried to obtain her contact info but the business would not give that to me either.

I appreciate your liability decision at 50%. However, if Travelers had been prompt to interview the eye witness the offer would be 100%. I gave the eye witness info to my insurance company [redacted] just after the incident.

Another fact that bothers me is that the other party was apologetic and culpable at the accident scene, admitted it was her fault 100% and offered to take care of all costs. When the cost of the repair was presented, her tone and story changed.

Based on the fact that Travelers did not follow through in a timely manner to contact the eye witness I request that this case be reviewed at a higher lever within Traveler's. Could you please have someone at VP level call me at my home phone number to discuss.

Thank you.

Business Response /* (4000, 13, 2013/06/17) */

Mr. [redacted]'s complaint is being responded to via the New Jersey Department of Insurance (DOI) complaint received by Travelers. Please refer Mr. [redacted] to the New Jersey DOI.

Review: I had an Renters Insurance Policy (Policy # XXXXXXXXX XXXX) with Travelers. At the time of booking the policy, I was not informed of a $5 charge for sending statements (mentioned in the fine print somewhere in the policy document). At the time of purchasing the policy, phone rep mentioned to that all information would be sent via email and I can break down my policy payment of $131 into 4 payments of $33 each. I was sent 2 statements in Sept 2012 and OCt 2012 charging me $5 each service charges for mailing me statements. When I switched my policy to new address in Nov'12, I was never told that $30 balance remained on my old policy and was charged a late fee as well for $10. Overall I ended up paying $20 in service charges and fees for a $10 policy for the period of OCt 16th to Nov 10th 2012. In addition when I called in and cancelled my policy in Feb, it was never mentioned by the rep that $30 remained on my policy at the old address. I kept on receiving collecions calls during weekends.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

I am seeking unfair service charges + fees of $20 collected from me for (a) not disclosing the charges for sending paper statements and (b) not mentioning in any of the phone conversation about prior balance and charging me a late fee for unpaid balances.

Business

Response:

Business Response /* (1000, 5, 2013/04/24) */

A response was sent to [redacted] on 4/23/2013 from Travelers Glens Falls Business Center. [redacted] was prvoided an explanation. The Travelers has several different billing options that are described to our customers when they purchase a policy. His agent GEICO Ins. Agcy does a very good job with this. These billing options are also included in [redacted]'s new business policy package of July 2012.Attached to the response letter is copy of the September 24, 2012 bill, the 10/23/12 Notice of Cancellation and the Billing Options page from the new business policy package. All these documents describe Travelers service and late fees. In reviewing the contact notes on [redacted]'s file, there is no indication of a call from [redacted] regarding these fees in the September or October 2012 timeframe.

On 11/8/12 the agency documented [redacted]'s call to change an address and that service agent also advised [redacted] that an earned premium will be due and a bill will be mailed.

Therefore, Travelers is unable to refund any monies associated with the service or late fees.

Review: I was using Travelers for my new home I bought. The representative that came out to do the assessment of my property was very rude and unprofessional. Then I received a letter stating to do some work to my property by a specific date, I got an extension to complete the work out to 8/1/14. Then o 7/15/14 I received a refund and cancellation letter, stating my insurance will be good until 8/14, then I no more home owners ins. I contact corporate, via email, and they stated it was an "intent" to cancel. This situation put me under emotional distress, and anxiety.Desired Settlement: I wish that there would be some compensation for the emotional distress and anxiety that was caused.

Business

Response:

A response was sent to [redacted] on July 31, 2014 from Travelers Spokane Business Center as follows:

"Thank you for your recent inquiry to Travelers through the

Revdex.com. We appreciate

the opportunity to address your concerns.

Review: In December of 2013, I paid the premium for Home Owners insurance at a rate of $1143 To Travelers. In November of 2014, I received a letter stating that, due to increases in building materials, my insurance premium would be increased by 2.4% (an acceptable increase) for the following year. However, included with this letter was the bill for the upcoming year in the amount of $2974.00. Clearly this increase was way more than 2.4%. During several calls between myself and the company and my agent, no one could tell me why the premium was so much more. Therefore, I decided to cancel that insurance and purchase from another company. I, initially, called Travelers customer service directly to cancel my policy, at which time I was told that I could not cancel my policy directly, but had to call my agent and cancel through him. So, I called him and asked him to cancel the policy as of December 6, 2014 (the policy expiration date was 12/22/2014).

Yesterday, I received a letter stating that my policy had expired on 12/22/2014 due to failure to pay the minimum payment. They stated that they would be glad to reinstate my insurance if I paid he premium plus a late fee. I called Travelers customer service this morning to explain that I had not let the policy expire but instead had cancelled as of 12/6/2014. I was informed that I must call my agent to get the problem resolved. Then the service representative forwarded my call to my agent and hung up. When I talked to my agent later in the morning, I was told that Travelers required a written notice from me in order to cancel my policy backdated to 12/6/2014.

This is the type of round and round I have had to put up with while dealing with Travelers Insurance. They increase premiums without any explanations and offer no customer service.Desired Settlement: I want the policy cancelled as requested as of 12/6/2014. Since the insurance company will report the policy expiration to credit bureaus as a failure to pay, damaging my credit score, I would like a written statement from Travelers stating that I followed the correct procedure for cancellation and that no default occurred,

Business

Response:

A response was sent to Ms [redacted] 1/19/2015 as follows:

We have thoroughly reviewed our policy records and I can confirm we have

received your signed cancellation request form. We are processing the

cancellation effective the date you are requesting, December 6, 2014. Because

your policy period was paid in full, this will result a refund that will be

mailed to you in a separate mailing.

Review: To Whom It May Concern:I have contacted several different representatives from your organization and I have been receiving the run around. The issue I have is that I was dropped from flood insurance in 2010. At that time I experienced to floods that were a direct result of the condominium association having what the plumber describe as a "partial grease trap". The plumber stated the grease trap only goes half the distance of the building and as a direct result when not properly clean it will overflow into the units. The flood actually came from the neighboring unit into my unit. I was covered under insurance provided by Travelers' Insurance and my neighbor to my understanding was covered as well. In addition, the condo association was covered by [redacted] Represented by [redacted] Claim Representative, ###-###-####; ###-###-#### Ext. [redacted], fax ###-###-####, [redacted].com Mr. [redacted] contacted me back in 2o1o to state that he had a check for me, but subsequently turned the check over to the association. The association in a letter denied me the check and since then I was considered a liability and dropped from insurance. I would like Travelers to secure the check from [redacted]) as this check reimbursed to Travelers would provide for me to remain insurable. My representative [redacted]i, ###-###-#### stated that it is beyond him and he doesn't know the first step of the process to even begin this transaction. I contacted Travelers, but I was told to speak with [redacted] (Maryland)[redacted] stated that he believes it's a Joe from Texas, but at any rate. There is a great deal of confusion. I just want to maintain my insurance with Travelers. The two dates that I experienced floods were 9/27/201 and 10/13/2010. The policy # 0B[redacted] and the claim number for the first flood is [redacted]Desired Settlement: I would greatly appreciate it if Travelers Insurance, [redacted].) can collectively come together to resolve this issue. I recently found out that [redacted] provided housing, hotel accommodations for members of another unit who had their front porch paved. I was never provided lodging and I can't understand why [redacted]. when I endured the actual lost.

Business

Response:

A response was sent to Mr. Wade, March 26, 2014 from the 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: I have a small Drycleaning business in Bloomingdale IL and have had Travelers insurance since August, 2010 for my Drycleaning business protection insurance.The insurance was sold to me by a broker. His information is [redacted] TEL: ###-###-#### | FAX: ###-###-####. The policy number is [redacted] His agent explained to me of the coverage that will cover and give my business(liability and personal property) protection from water and fire damage and I started having Travelers Insurance.On July 3, and August 31, 2013, there were water leakage accidents occurred and I had loss my property as well as customer liability about $15,000 estimated. I reported a claim #EYA5089 to Travelers Insurance claim department and they sent an adjuster, [redacted] -###-###-####.I received a denial report from him after inspection. The reason was due to exclusions in the policy. That's was all they did.I have been told by many other agents that this did not seem to right. First agent/broker did not talk or show about any exclusion policy when I started having service.Second, I have paid all premium for last few years without delaying with belief of full business protection from a disaster that might be happening and expected Travelers to work for litigation for this accident but their agent/broker did not take an action. Even I was not able to hold of them to discuss about the accident. Their ethic level was very much disappointed. Actually when I had a chance to talk with an agent one time, she advised me not to claim. The claim would be a bad factor for my insurance premium increase. This does not sound right.Desired Settlement: I now request Travelers Insurance to cover my loss by litigation action and follow by what they should take actions.

Business

Response:

A response was sent to Kyung Chung on March 18, 2014 from Travelers Naperville IL Claim Service Center as follows:

"I am writing in response to

your correspondence dated March 5, 2014 regarding a claim which you reported on

July 8, 2013 regarding water damage to the property of Old Towne Cleaners and

its customers. Travelers Casualty

Insurance Company of America (“Travelers”), issued the above-referenced policy

to Old Towne Cleaners, which was in effect on the July 3, 2013 date of

loss. As we discussed, Travelers will review

this claim and we may contact you to request additional information. Travelers is reserving all of its rights and

any further investigation and activities are not a waiver of Travelers’ rights

under the policy or at law.

Review: My auto insurance policy was purchased in approximately 2001 with Comprehensive coverage (other than collision) at Actual Cash Value (0% deductible). The very first claim on this policy was made on 09/30/2013 due to damage caused by fresh road striping paint. The Claim Handler/Adjuster was [redacted] with damage of $1251.29 appraised by [redacted] on the same date. Both gentlemen initially indicated the type of loss fell under comprehensive coverage. Several days later [redacted] phoned me to say that the type of loss was changed to Collision coverage which had a $500 deductible. To quote he said that "The road came up to meet (collide) with the car". That is a highly absurd way to describe collision. I attempted on about four occasions subsequently by phone to the office to have them send me that decision in writing. As of today nothing has yet to be received. The damage was repaired soon after, and I reluctantly paid the $500 deductible. I cancelled the policy on 02/21/2014 effective 02/28/2014. A copy of the Estimate of Record can be e-mailed to you if necessary, as well as a copy of my auto coverage. 13 separate documents were downloaded to this claim (hopefully?).Desired Settlement: $500 check issued to me.

Business

Response:

A response was sent to Mr. Payonk on April 17, 2014 from Travelers Florida Claim Center as follows:

"Travelers Personal Security Insurance Company ('Travelers') has reviewed your claim in

response to a recent inquiry sent by you to the Revdex.com. Upon receipt of the

inquiry, Travelers reviewed Pennsylvania policy language relative to Comprehensive and

Collision as well as industry resources in order to determine if the interpretation of your policy by

Travelers is in line with industry standards.

The conclusion of this review has lead Travelers to the determination that we will honor the

above mentioned claim under the Comprehensive portion of your policy. You will receive a

reimbursement check in the amount of $500 under seperate cover to account for the Collision

deductible previously applied."

Review: Referencing Revdex.com complaint ID [redacted], submitted on 9/27/2013 11:35:10 AM against Travelers Companies, Inc.A freshly fabricated bill for $940.00 was received on 10/31/13.The forensic accounting tactics and fabrication of an incorrect unpaid balance months after the initial response are without merit.Find three (3) attachments: 1.The original TRAVELERS/[redacted] bill dated 04/11/12 for three (3) policies, each Policy Period 05/01/12 to 05/01/13.2.The cleared check paying IN FULL the [redacted] policy (Policy Period 05/01/12 to 05/01/13)3.The newly fabricated but still incorrect TRAVELERS/[redacted] bill dated 10/31/13 for "coverage that was provided from 05/01/12 to 05/01/13"

Product_Or_Service: homeowners insurance

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

In writing, provide a confirmation of zero ($0.00) balance due, and cease ALL mailings to me.

Business

Response:

A response was emailed to Mr. [redacted] on December 10, 2013 from Travelers [redacted] Business Center as follows:

"Good

Afternoon Mr. [redacted]: