Travelers Companies, Inc.

Review: On March 3rd I called to advise the company I would be canceling my home and auto policy but would continue to insure my personal articles through their company. I was moving from [redacted]. I received a bill for my personal article policy and paid it over the phone on April 2nd. At that time I attempted to change my address but was informed that they would no longer insure my personal property because I chose to insure my auto and new home with a different company and I would have to wait 7-10 days for my refund. Considering I paid it 5 minutes before, I should have had it immediately but I didn't cause problems and expected my check in a timely manner. By April 23rd they still hadn't mailed my refund and said it would be mailed by the following day. Today is May 11th and I was recently told last week they were mailing the check again because it must have been lost in the mail. I'm tired of their excuses and I want my refund of $218.00. This is not professional behavior and I feel like they are never going to send my money. They always had their money from me on time and I expect the same courteous and professionalism.Desired Settlement: I'm tired of waiting for a check that's never coming. I want the money directly deposited into the checking account of my choice. As I stated earlier, I've moved across the country and with that being said, I no longer have the account I made the payment from.

Business

Response:

A response was sent to Ms. [redacted] on Friday, 5/15/2015 as follows:

"Thank

you for your recent inquiry through the Revdex.com. We appreciate you taking the time to share

your concerns and the opportunity to assist you.

Review: About 3 weeks ago (6/23/2014), I filed a loss assessment claim with Travelers insurance, after sending them some requested documents and they contacted [redacted] association (Our apartments management association, requested some assessment related information)...make the story short, after they finished their investigation, they sent us a letter and a check and concluded that they will only pay $776.33. letter indicated that they were not able to provide the full coverage for the full amount of $4285 that [redacted] association emergency special assessment requested.I went through the policy line by line, based on travelers logic and reasoning,and policy detail contents they are very much able to pay the full amount, I believe this amount paid toward our policy is an arbitrary number, they just came up with a small fraction of the payment to silence us. Also, using their own logic and reasoning for paying $1276.33, they could have pay paid the full amount.Our policy (contract) they presented is an illusion, an erroneous perception that we do have up to $25,000 loss assessment coverage, and when I read the fine prints , details and its exclusions, I noticed that they exclude EVERYTHING from this coverage:Here is the section 1 - Exclusions:Faulty, inadequate or defective:(1) Planning, zoning, development, surveying, siting.(2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction;(3) Materials used in repair, construction, renovation, or remodeling;(4) Maintenance;Therefore, as you can see, everything related to this apartment buildings and its construction, from Planning, workmanship...to even maintenance are excluded and practically,we don't have any loss assessment coverage at all, and this clause and its coverage is useless for us, I feel this contract is based on fraudulent scheme.Desired Settlement: I would like Travelers insurance, pay the full amount request by [redacted] association, minus the deductible fee as indicated in our policy /contract.

Business

Response:

A response was sent to [redacted] on August 11, 2014 from Travelers Rancho Cordova CA Claim Center as follows:

"This letter will serve as a response to your complaint to the

Revdex.com ID of [redacted] submitted on 8/7/2014 for the above

referenced claim. I am a manger in the

claim center where the loss was handled and I have reviewed your request and

the claim file including the information provided by you, [redacted] Management,

and [redacted] Community Association.

Review: On March 1,2014 I contacted Travelers to cancel an auto policy. I was informed that the refund would be credited to my account in 5 to 7 business days. On March14, 2014 I called Travelers to ask about my funds not posting to my account yet and was told that it would be processed that day and look for it in two days. On March 19, 2014 I spoke with Tiffany and again was assured that she would process my refund and I should see it in two days. It's now March 24, 2014 and I still don't have my money. It's A SIMPLE BANKS TRANSFER from their account to mine.This is week four, please help!!!Thank You!

Product_Or_Service: Auto InsuranceDesired Settlement: DesiredSettlementID: Refund

Refund my money immediately.

Business

Response:

A response was sent to Mr. Banks, via email, April 1, 2014 from Travelers Knoxville TN Business Center as follows:

"Thank you for contacting Travelers Insurance Consumer

Affairs through the Revdex.com. I appreciate you taking the time to

share your concerns. I am sorry I was unable to reach you by telephone so I

wanted to follow up the message I left with this brief note.

Review: I was a victim of Travelers client in accident and I handled my car expenses thru my insurance but it was the travelers clients fault so all chargers was going to the travelers client, now since I didn't have rental coverage thru my insurance I made a claim with travelers to rent a car while mine was being fixed. Now that my car is fixed travelers are refusing to pay for the full time I had the rental and now I am stuck with these charges and at no point I was told for how long I can keep the rental, and I called the claim handler which her name is [redacted] left massages about this before the time of my car was finished being fixed and to ask or how long I had the rental and I never got a call back from this person and this is my second rental since my car was not fully fixed the first time. Now I am stuck with a 370 dollar bill from the car rental company because they refuse to pay for the remaining 2 weeks left of the rental. I spoke to her manager [redacted] and said that e will go thru the claim with his employee and would give me a call and I have not yet received a call.Desired Settlement: I would like travelers to pay for the rest of the rental time, I don't think I should be going thru this since all this is not my fault and I would not be in this predicament if travelers client would not crash my car. I Would like to get some help on this matter because I don't know what to do at this point.

Business

Response:

A response was sent to [redacted] on January 27, 2014 from Travelers [redacted] Claim Service Center as follows:

"We have received the complaint you filed with

the Revdex.com and I am happy to respond on behalf of the [redacted], hereinafter referred to as Travelers. Your car was damaged in an accident on

November 4, 2013, with a vehicle owned by our insured [redacted].

Your vehicle was appraised by your own insurance company, [redacted]. Because you did not carry

rental coverage on your own policy with [redacted], you chose to come through Travelers

for reimbursement of your rental expenses.

Review: My home property was damage and the home insurance adjuster and his manager are not willing help me repair the house. The service that I got from this company was very unethical and unwilling to help me, I have never had this experience from any business service in my whole life. I am stuck with damage property house and nobody I can turn to help me, I am paying my monthly insurance without delay, but when it is time for me to call for help, I was shocked with the service I got returned.Desired Settlement: Somebody help me repair my house, you got home owner insurance to protect you from any emergency damages. I do not want anybody to go through this experienced that I had with this company service.

Business

Response:

A response was sent 12/8/2015:

Contactor provided an estimate that did not match Travelers, Mr. [redacted] discussed with the contractor his estimate and they agreed to charge $1500 versus their original estimate of $4400. Mr. [redacted] is awaiting a revised estimate from his contractor. Once that occurs Travelers claim can confirm the amounts and negotiate any differences. Although the process has not gone as smoothly as we all have wished, the claim representatives are sensitive to Mr. [redacted]'s situation and apologize if their actions were not consistent with his expectation.

Review: I have had many problems in my two years with travelers insurance on my home. When they first came to inspect our home to be eligible for the insurance everything went smoothly. There was a hail storm in October of 2010. We had hail damage on our roof and on our air conditioner. We replaced the air conditioner ourselves and then found out we could have gone through insurance to get these things fixed. We had not yet fixed the roof, so we decided to go through insurance. A roofing company offered to help us. We got the claims specialist to come out and look at our house. Upon his completion, he did not think we would be able to get anything fixed. We ended up throwing away the air conditioner because they said we could not claim it either. We then received notice that we needed to fix the following things on our house or we would be dropped from their insurance. We had to fix the roof, make our pond in working order and clean our backyard. This was all piled onto us because we wanted to get our roof replaced. We ended up fixing these things, and sending the pictures in on April 25, 2011 at 1:33pm. It sent and everything was okay. I actually had to call the company and they said it was received and everything was good. Now, I have received a letter a month before they want to drop us, that they never received this information and I am going to be dropped. I then sent the information again on Wednesday March 28, 2012. I never heard back from them. I called again today, April 2, 2012, to find out they didn't receive them. I sent them again in smaller quantities and they received them. They asked if I got the roof professionally done. I stated no, they told me I could'nt do it myself, but originally said we could. Now they will not reinstate my insurance and I have reopened the claim. I am not sure what will come of this, but it is unfair what I have had to deal with just by owning a house.

Desired Settlement: DesiredSettlementID: Other (requires explanation)

Our neighbors have received new roofs in our neighborhood. We feel ours should have been replaced as well. If not replaced, we should be compensated for our time to fix the roof because they should have fixed it to begin with. I shouldn't have to pay somebody to do it. We have complied with everything they have asked and I have never filed a claim before. I feel that because I filed a claim, they are now trying to get rid of us and just want to take our money every year.

Business

Response:

Business Response /* (1000, 5, 2013/07/29) */

A 'claim' response was sent to Ms. [redacted] on 7/25/2013 from Travelers Denver Colorado Claim Service Center. Travelers inspection at the time of the claim and another review of the photos taken from the claim do not show hail damage and Travelers position remains unchanged. A separate response is forthcoming from Travelers 'underwriting' area.

Business Response /* (4000, 8, 2013/08/02) */

An Underwriting response was sent to Ms. [redacted] on August 1, 2013, from Travelers Glens Falls Business Center. Since Travelers had not received the necessary evidence of repairs, the policy coverage was not continued as of April 26, 2012. Travelers position remains unchanged because we did not receive sufficient confirmation that the conditions of concern we had about Ms. [redacted]'s dwelling were remedied.

Consumer Response /* (4200, 10, 2013/08/06) */

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

I sent pictures of the repairs and the agency still would not accept them after they knew they received them.

Business Response /* (4000, 12, 2013/08/19) */

A response has been sent to Ms. [redacted], August 19, 2013 from Travelers, Knoxville TN Business Center. Upon review of Ms. [redacted]'s policy, there were photos showing repairs were received on April 2, 2012. However, as our representative advised her at that time, the repairs were completed by her fiance rather than a professional roofing contractor. As a result, the repairs were not performed in a manner that warranted removal of the pending non-renewal of her policy at that time.

Review: I have an auto insurance policy with the company. I moved to [redacted] in June 2014; cancelled the policy and signed my title over to my grand-daughter. However, they continued to charge my debit card. 9 months later I am back in the states, I call Travelers explained the situation, the representative apologized, cancelled the policy and offered to refund the money from original cancellation date providing I show proof of signing over title. I signed the cancellation form she sent and faxed it in along with the copy of the signed over title. I even emailed them and to this date the policy is not cancelled; still being charged monthly $121.75. This company does not have a good business ethic!Desired Settlement: I would like to have a refund of all charges since June of 2014.

Business

Response:

A response has been sent from Travelers 6/4/2015.

Thank you for

your recent inquiry through the Revdex.com (Revdex.com). We appreciate the opportunity to assist you.

Review: Subject: Breach of contract

I have had continuous auto insurance coverage with Travelers since 3/23/09. I always pay up front, for 6 months of coverage at a time. My recent auto insurance coverage period was from 9/23/14 to 3/23/15. I had paid for Extended Transportation Expense coverage. On page 2 of my Automobile Policy Declarations, it states that the rental car coverage of my policy is $30/day/$900 maximum, which is Endorsement [redacted]. On the evening of 2/21/15, my car slipped off of an icy road, and my car was totaled. Travelers gave me a claim number of [redacted], and assigned a claim professional to me, [redacted] I began renting a car from [redacted] in [redacted], on Monday, 2/23/15, at about 10:30 AM. From the get go, Ms. [redacted] would not honor the terms of my Extended Transportation Expense coverage. I told her that the policy that I paid for states that I have rental car coverage for $30/day, up to $900 maximum. She told me that because my car was totaled, Travelers' policy is to only pay for rental car coverage for 3-5 days past the date that the car was appraised by Travelers to be a total loss. The first week, she told [redacted] and me that she would only pay for the rental car until Friday, 2/27/15. When Friday came, I called her and told her that I needed to keep the rental car for another week. She agreed to let me keep the car for a second week, but told me that she was "going beyond" Travelers' policy, by allowing me to keep the car for more than 3-5 days beyond when my car was appraised. This cycle continued every 5-7 days--I would have to call her, and plead with her to let me keep the rental car--even though I had not exceeded the 30+ days of rental car coverage that my policy entitled me to. My pelvis was fractured in 2 places as a result of the 2/21/15 accident, and I was on crutches for a month, and was not able to tolerate bearing weight on my legs for more than 10 minutes at a time. After I had the car for about 2 weeks, Ms. [redacted] told me that she would only allow me to have the car for 5-7 more days. On 3/12/15, I emailed her a copy of my policy, where it states that my Extended Transportation Expense coverage is $30/day, up to $900 maximum. In my email, I asked her to show me in writing, where it says in my policy that in the event of a total loss of a vehicle due to an accident, that I am only allowed to have rental car coverage for 3-5 days beyond that. She did not reply to my email, and she never gave me anything in writing to support what she told me. She made the whole rental car experience stressful for me, because I never knew week to week if she would allow me to keep the rental car, and every 5-7 days I had to have a stressful argument with her, in order to get her to abide by the terms of my policy. After I had the rental car for about 2 1/2 weeks, she told me that I would have to return the rental car on the morning of Monday, 3/23/15--she told me that was her "final extension". Since my policy said that I had rental car coverage for $30/day, $900 maximum, so I should have been able to keep the car until at least 30 days after that. I rented the car on 2/23/15, so I should have been able to keep the car without questions or intimidation until 3/25/15.Desired Settlement: I want Ms. [redacted] to be reprimanded in writing by a Travelers' supervisor, for breach of contract, and for trying to deceive me by telling me that I could not keep the car the full 30 days. I want a courtesy copy of her written reprimand. God knows how many other clients she has misled regarding the rental car coverage. If it is Travelers' policy to only allow rental car coverage for 3-5 days after a car is appraised to be a total loss as a result of a car accident, then this policy should be in writing, so a client knows the policy up front, before they pay the extra money to buy the Extended Transportation Expense coverage. Catie Alexander's contact information is: phone number is [redacted]; email address: [redacted]. Her supervisor is [redacted]. His tel. no. is [redacted]; email address: [redacted]. The Claim Center Vice President at Travelers is [redacted] tel. ([redacted]; email address: [redacted]. Thank you

Business

Response:

A response was sent 3/3/2015 to Mr. [redacted] as follows:

I have been provided with a copy

of your Revdex.com complaint submitted on March 27, 2015 and have

been asked to respond to you. I’m sorry for the confusion about the Extended

Transportation Coverage on your auto policy. Please allow me to explain

further.

Review: I had a business insurance policy with Travelers that expired on 9/18/14, policy # [redacted]. I decided not to renew this policy and I allowed it to expire. I recieved a letter post marked 9/24/14 and the letter was dated 9/22/14. This letter was for a annual premium audit that I had to complete, even though I told them I was not going to renew my policy with them. A customer service representive if I complete it I may get some of my premium refunded back to me. They wanted to see my quartly tax reciepts and how many employees I had and how much money did I gross for the year, EVEN THOUGH MY POLICY HAS EXPIRED! #1. Well I told her that I DO NOT HAVE ANY EMPLOYEES and I am the only one in the business, #2. I havn't filed my taxes yet due to the year is not over for 2014, #3. I sent them a copy of two checks made out to me of the only construction job I did this year. This showed I believe was after materials and sales tax it was around $3,000. I sent this information to them even though again that my policy already expired and I told her that so they would just leave me alone. I told her I paid my policy in full which was quoted to me and agreed to by Traverlers of $1,285.00 and she had the nerve to say" that was just an estimate." She also said if I don't due the audit that they would estimate my audit for me which is rediculous, so I sent what I had and again EVEN THOUGH I LET THE POLICY EXPIRE! So they send me another letter thanking me for the information I sent them and that wasn't good enough and they estimated my audit and said I owed around $140.00 plus or minus I don't have the exact figure in front of me right now. Than I get another letter saying now I owe them somewhere around $480.00 which is almost half of the 2015 insurance renewal preimium of $1,275.00 in a letter they sent me on 8/11/14 in which I planned not to RENEW AND LET IT EXPIRE! THIS POLICY EXPIRED ON 9/18/14 and theit audit letter was dated 9/22/14 and post marked 9/24/14. THIS POLICY ALREADY EXPIRED BEFORE THEY ASKED FOR A AUDIT SO I FEEL I DIDN'T EVEN HAVE TO COMPLY BY GIVING THEM ANY INFORMATION BUT IN GOOD FAITH I DID AND THEY CONTINUE TO HARASS ME BY PHONE AND BY MAIL. I DON'T OWE THEM ANY MONEY AGAIN MY POLICIY WAS UP TO DATE AND PAID IN FULL JUST LIKE I TOLD HER!Desired Settlement: LEAVE ME ALONE, I LET MY POLICY EXPIRE AND CHOOSE NOT TO RENEW IT WITH TRAVELERS JUST FOR REASONS LIKE THIS HARASSMENT I'M RECIEVING FROM THEM FOR NO GOOD REASON! STOP CONTACTING ME, MY POLICY FOR MY INSURANCE POLICY WAS IN GOOD STANDING AND PAID IN FULL.

Business

Response:

A response is going out today from Travelers.It included a summary of the activity on the account, as well as the following:

"After

reviewing your account, we are strongly recommending that you complete the

self-audit in order to assess the proper premium that should be charged to the

09/20/2013-90/20/2014 policy period. The

policy was initially written with an estimated exposure that was to be verified

at the policy expiration by the self-audit.

Once the self-audit is returned, we can properly assess the final

premium that may result in a refund or an additional payment based on the

actual exposure incurred during the 09/20/2013-09/20/2014 policy period.

Review: Advertising/Billing & Collection/Contract (covers all issues)I have an auto and homeowners policy with Travelers. I have recently seen that there is an extra $25 charge on my premium every year. This charge is for Identity Theft Protection (which is an optional service that Travelers offers), which I never authorized or requested. I am being told that I cannot get my money back because this was an optional coverage that I could have had removed at any time (however I never knew that this was placed on my bill) so once I discovered that it was there, I did have it removed. Basically, they gave me a service that I never asked for or never would have known to use because I was unaware that I had it and then they are telling me that I cannot have my money back.Also, on the front page of the renewal package there is a P.S. that reads "We also offer other coverages designed to protect your assets, including car insurance, valuable items, additional liability (for lawsuits), boat and yacht, flood, and identity theft protection.This is telling the consumer that these services are offered but completely optional, this is NOT telling the consumer that we are going to add these services to your premium and expect for you to call and have it removed if you choose not to have it! Unfair and unreasonable.How many other paying Travelers customers are paying for this and don't even know that they are paying for it. I can't possibly be the only one.

Product_Or_Service: House Insurance

Account_Number: XXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund

Refund of additional $25/year since policy began in 2007. 150 bucks.

Business

Response:

Business Response /* (1000, 5, 2013/05/01) */

A response was sent to Ms [redacted] on 4/30/2013 from Travelers Glens Falls Business Center. A refund for prior years coverage cannot be granted, since under the terms of the policy, timely payment of premiums signifies acceptance of the terms and conditions offered. Travelers is unable to refund or credit her policy for the years in which the options coverages were provided.

Review: In April of 2014, I contacted Travelers to have my ex-wife removed from my homeowners insurance, which was required by the Title Co. for the Assumption process that was occurring per the divorce decree. Travelers contacted my ex-wife who declined to have her name removed even though she has had nothing to do with the property for over a year. So the agent advised that she could create a new policy and move all my information and money over to the new policy minus my ex-wife's info and cancel the current policy. I was advised that there would be no lapse in service just a new policy number. The following month, I find out that my new policy has no funding and that they had mailed the money from the original policy to my ex-wife. When I called Travelers they refused to discuss this issue with me due to the fact that my name was no longer on the original policy. Due to the assumption process I was going through with my mortgage co., I had to get the policy paid in full for a year. So I paid over the phone $719.00. A week later I receive an email that my mortgage co. has also paid the $719.00 from my escrow. I called Travelers who told me that they have only received a single payment, and give me the run around. While this is all going on, I am also receiving late notices from Travelers and letters from my mortgage co. advising that they will have to get additional insurance. I requested a supervisor. This supervisor is the first person to admit the original mistake of sending the money to my ex-wife. He also locates the double payment of $719.00, but notifies me that Travelers has again sent the extra money to my ex-wife and they wanted to contact her to fix the issue rather than just canceling the check and issuing me a new check. I have verified that my mortgage co. had the correct insurance policy number, which they did. I have been given the runaround by Travelers for the last two months and they still keep sending my money off to a person that has no connection to the account.Desired Settlement: Better Quality Control. I have lost all faith in Travelers ability to be responsible to their customers and with their customers' money. This has caused me unneeded stress and wasted time. Fortunately for Travelers my ex-wife returned the first money that was sent to her, now I am waiting on the additional $719.00.

Business

Response:

A response was sent to [redacted] on 6/6/2014 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 11/24/13 at approximately 10:35 am, my vehicle was parked at [redacted] casino in las Vegas,NV.My vehicle was struck and totalled by [redacted] in a 2007 hyundai Accunt with NV [redacted] has travelers home & marine insurance company as automotive insurance. On 12/17/13, travelers home & marine insurance company denied my claim for financial compensation for the damages and loss of my property. Travelers insurance company stated that Mr. [redacted], their insured, is not liable for the damages to my vehicle. On 1/17/14, travelers insurance company received a reconsideration letter from me requesting compensation for my damaged property caused by their insured [redacted]Desired Settlement: I think a fair resolution would be for travelers home & marine insurance company to make me whole and compensate me for the loss of my property and pain and suffering during this traumatic and exhaustive ordeal.

Business

Response:

A response was sent to Rashay Crosswhite on March 28, 2014 from Travelers Denver CO Claim Service Center as follows:

"This letter is in response to the

Complaint which you filed with Revdex.com. The Travelers Home &

Marine Insurance Company, hereafter Travelers, strives to provide the highest

level of customer service. We regret that you are dissatisfied with our

liability decision.

Specifically,

you have asked that we address our liability decision regarding this loss. Our

Insured, Mr. [redacted] was driving his vehicle when he had a heart attack which

rendered him incapacitated. Mr.

Ignacio’s vehicle struck your parked vehicle. From our investigation we

determined Mr. [redacted] would not have any reason to believe he would suffer a

heart attack. He was not on any medication to prevent a heart attack nor had he

had a similar attack prior to the accident. Mr. [redacted] had a sudden medical emergency. We are unable to cover this loss as there was a

sudden emergency for which our insured has no legal liability.

We remain open to consider any additional information

or evidence to the contrary. "

Consumer

Response:

Review: 9979293

I am rejecting this response because:

My thoughts and prayers go out to Mr. [redacted]'s family for their tragic and untimely loss. Mr. [redacted] has travelers

Review: On May 6th 2013 my [redacted] daughter was injured and I was told by travlers insurance adjuster that there would be an investigation on her being [redacted]. In june of 2013 The adjuster contacted me saying that she did her investigation and decided thatthe coffee was not too hot my daughter was very young and her skin was very delicate and to forward all medical bills, lost wages, food, lodging, and anything pertaining to the accident to her. I recorded every conversation and have proof of all email interactions. I provided proof of all she asked. My daughtet dr bills are over 30, 000 and the other loss like lost wages and lodging are are over another 30, 000. They only offered to pay 12, 000 I asked to speak to her supervisor because after I sent all the bills for reimburstment. They told me that I could no longer contact them by phone . I sent demand letters and I also sent letters requesting that they honor what they told me. My family suffered greatly and my daughter is left with permanent scaring fornthe rest of her life. Iasked her supervisor to justify the low settlement she said she ddon't have to I then asked her to put it in writing and she said absolutely not. All I ask is to honor the agreement and pay what is owed.Desired Settlement: Pay all medical bills, lost wages, travel, lodging and 3 times pain and suffering plus including general damages in the amount of 375, 000

Business

Response:

A response was sent to Mrs [redacted] on October 23, 2013 from Travelers [redacted] Claim Service Center:

A settlement offer was previously made, in good faith. this offer was rejected by Mrs [redacted] and no reduced counter demans have been made by Mrs [redacted]. Travelers will continue to be willing to discuss possible settlement proposals at this time.

Consumer

Response:

Review: [redacted]

I am rejecting this response because: Travelers insurance are displaying unethical negoating practices, pressure settlement tactics,and are denying liability but are contractdicting them selves by offering 12,000 dollars for an injury that they know they are responsible for. they are admitting to fault to the Revdex.com by saying that they offered a good faith settlement when my daughters doctor bills and other bills that incured from this incident are well beyond 12,000. I also lowered my settlement amount on 10/24/2013 by 20% from the 375,000 and demanded the sum of 300,000. I am willing to negociate a settlement that we both can agree to. as I am looking at the date and time of the reply from traveleres ther are very deceptive because they claimed that I did not make a lower counter offer and I have proof that I sent the counter offer. I am uploading the information that was sent to me and my response. Trvelers responded to this compliant on today 10/31/2013 at 3:09:29 pm and they received my email with my full cooperation to be willing to negociate.

Sincerely,

Business

Response:

A rresponse was sent to Mr. [redacted] on November 15, 2013 from Travelers [redacted] Claim Service Center:

"As we have stated in previous correspondence, [redacted]

denies any and all liability concerning the above referenced claim. In giving

consideration to any settlement proposals, [redacted] and its insurers do not admit

liability whatsoever nor waive any defenses. Any efforts to resolve this matter

were, and are, an attempt to resolve a disputed claim.

Review: I had [redacted] insurance but through a branch in [redacted]). Their branch is not Revdex.com accredited but the main office is (this location).

This complaint is in regards to insurance claim [redacted] (at this property: [redacted]). Water remediation was done at a local company ([redacted] Property Restoration) and I was sent a bill of $8843.57. However, the money that I received from [redacted] was only $7787.03 which is a difference of $1094.91. I explained to my adjuster that this was the amount that I had not received and he stated that he and [redacted] agreed to the lower price while [redacted] has stated that the higher was the agreed price.

The $1000 deductible I owed was paid during the rebuild part of the claim.

The main reason for the claim is that I have not heard back from my adjuster for 3 weeks (since Oct 19).Desired Settlement: Looking for $1094.91 (the difference between the invoice and money provided from [redacted]). Even if there is a dispute between companies, the customer really should not be the one to have to deal with it.

Business

Response:

A response was sent 11/23/2015 to the insured's named on the policy, Jonathan is the tenant.....claim has been reopened to investigate and determine if the additional fund should be issued for the work performed.

Review: I started a new auto policy with Travelers on 7-21-15 and paid the total due in full for the complete year ($813). I received, executed, and mailed the documents sent to me on 7-31-15 (Auto Quote/Policy Acceptance and [redacted] Uninsured Motorists Coverage). I declined signing the Recurring Credit Card Authorization due to having paid the policy in full for the complete year. I also notified Travelers of my correct mailing address ([redacted]). I received the same documents mid-August. I mailed a second cover letter and a copy of the executed documents to Travelers on 08-17-15, notifying them again of my current mailing address. I called on 08-27-15 to verify that the documents had been received and was told that they had been received. To date, I have not received a copy of my policy or any further communications from Travelers. Per my credit card statement that I opened this morning, Travelers credited $646 on 09-16-15. I have tried to reach Travelers for clarification on and off this morning, being placed on hold 30-40 minutes without anyone picking up my call. I travel for work and leaving for [redacted] next week. I need to know the status of my auto insurance. I do not use my home address due to the volume of mis-delivered mail, volume of junk mail, receiving mail for every previous owner, and every [redacted] without a unit number. I notified [redacted] over four years ago about the problems without success. The entire complex has the same problem and I cannot risk my credit card and other personal information not being correctly delivered. It is safer to have and use the P.O. Box where the mail is secure. A neighbor has the key and cleans out the junk mail once or twice a month. She discovered the July and August packets from Travelers.Desired Settlement: Honor the contract. I paid over $800 in advance for a full year of auto insurance. With the exception of the documents mailed for my signature, I have not received a copy of the policy or an explanation as to what was needed from me prior to seeing the refund on my credit card today. Travelers has my correct mailing address and has mailed nothing to me. They were notified on 7-31-15 and 08-17-15 that I do not use my home address due to a variety of issues. Option 1: Honor the contract; Option 2: Refund the full amount paid for failing to send the policy; and Option 3: A letter of apology for the unprofessional treatment and complete lack of customer service.

Business

Response:

A response was sent to Ms. [redacted], 10/2/2015.A review of our policy records shows it will effective October 3, 2015 due to no Welcome Team interview. Travelers attempted to reach Ms. [redacted] by telephone on August 25, 2015, without success, therefore a letter was mailed to her in order to complete the brief telephone interview to confirm policy information and avoid cancellation. Because Travelers did not receive a return call, a notice of cancellation was sent out by certified mail. Ms. [redacted]s' preference to use her P O Box address wsa not communicated to Travelers according to our records. The signed quote acceptance documents Travelers received from Ms. [redacted] shows the [redacted] address. To avoid cancellation, Ms. [redacted] has been instructed to contact Travelers to complete that interview process.

Review: I filed a homeowners claim after a house fire. I have been in a hotel for months. Travelers has hired a company that botched an [redacted] job, and I think it has exposed my family (and perhaps many other contractors) to [redacted]. They didn't even clean the area after they were done.

Travelers wanted to leave unsafe materials in the house, placing my family in danger. They also claim that they can replace my lower kitchen cabinets without making them match the upper ones.

Two days from now, they are kicking us out of the hotel. We don't even have any beds. Our house is not finished.Desired Settlement: I want my house to be fixed back like it was...with matching cabinets (like policy says). I want to have the hotel paid until my house is done. I want my items in the house replaced. I want the policy to be adhered to. I want Travelers to address the concerns about my family health and exposure to [redacted]. I want testing to be done to prove that it is now safe. I want a new adjuster (and supervisor). I want a contact with the corporate office, because nobody will give me any contact higher than the Customer Advocacy dept, which has not addressed the safety issues or others. They simply follow along and back up the adjuster and supervisor....even when they are wrong.

Business

Response:

A response dated 4/17/2015 was sent to Mr. [redacted] as follows:

"Please

allow me to review the history of the issues you have raised in your complaint.

Review: On 12/1/2014 I was made aware that Travelers Ins needed a ** Residency form signed and returned prior to 12/4/14. I contacted their customer service department on the 1st and requested they email me the form. The customer service agent I spoke with emailed me the form which I then signed and emailed back promptly. I returned the form via email to [redacted] on 12/2/14 at 11:20am EST. I called to follow up on this matter several days later and was told I never returned the form and my policy was cancelled. I informed the representative that I emailed the form back to the original csr that provide me, unfortunately the representative who initially emailed me the form failed to provide me with the correct return instructions and when I responded to her company email it was never forwarded to the "correct" email inbox. I informed the second csr of this matter and he said it "should not be a problem to get it to underwriting to fix" so I emailed the form again on 12/16, this time to the correct email inbox. The second representative I spoke with assured me he would follow up on the form and ensure it was processed and would call me back within 3 business days; I was never contacted back by another representative. I called to follow up again on 12/29/14 and spoke to a third representative. She informed me that the form I returned was missing which county I lived in and requested I enter that and email it again, which I did. She verified receipt of the form and said that was all underwriting needed to re instate my policy. At the end of the call I asked if I needed a reference number or anything to verify that my policy had been re-instated. The representative responded with "no there is no number you need your policy will be reinstated you're all set". After that discussion I was under the impression everything had been resolved and my coverage back dated to the effective date on 12/4, but that was not the case. When I received my January credit card bill I noticed that Travelers had not charged me for my insurance. I contacted Travelers on 1/29 and they informed me my policy was never reinstated. I expressed my concern to a supervisor I spoke with and she said there is nothing Travelers would do since there was a "lapse" in coverage due to their processing error. Upon learning I was not covered I immediately contacted [redacted] and setup a new policy, and I was able to sign the ** Residency form electronically at the time I signed up. As a result of Traveler's negligent handling of my account the following has occurred; two months where I was not covered by insurance, higher insurance rates due to lapse of coverage, collateral protection insurance added to the balance of my auto loan due to the lapse of coverage.Desired Settlement: I am requesting Travelers either reinstate my policy effective 12/4/14 at the same rate I had before, or they reimburse me the difference of my higher policy ($35 higher) for 12 months plus the amount of the collateral protection insurance added to my loan.

Business

Response:

On 2/12/2015, phone contact was attempted by Travelers in order to speak with [redacted], however, we are waiting for a call back. An email was sent to him on 2/12/2015 with the contact information of the person to call to discuss his complaint.

Review: I called to add my daughter [redacted] and used [redacted] 2004 to my policy. The policy was issued in May 2014 for a new driver and car I thought. I later learned from another insurer that you cannot insure a learner. In other words, they are listed, but the policy doesn't go up until they have their driver license. This was never told to me in the conversation that I had initially with [redacted] and later with [redacted]. My daughter told me that she had to show proof of insurance to the dmv with her name before taking her driver test. This is exactly what I told [redacted] and [redacted]. At no point did they tell me that technically my policy would not go up because of her, but because I was adding a car. This is further confirmed by the fact that they did not tell me that once she became licensed that it would go up further because she was now a rated driver. I called in on 10/6/14 to discuss my grievance. I was told that the manager had listed to the recordings and that she could not issue a refund because they had insured the [redacted]. I explained why would I decide to insure to vehicles under my name when I only drive one. I asked to speak with this manager and was told that I could not, but would then be transferred to another manager who was [redacted]. She essentially explained the same thing that they could not issue a refund as they provided coverage for that vehicle. I explained that the vehicle is not even registered under my name. I asked is that even legal and why did they not perform due diligence and confirm. I did make a full effort to switch registration at my local DMV office in [redacted], but was told as tags were due in November and that I needed to smog the vehicle to just wait until October. At the crux of my complaint is that I feel I was mislead and frankly misinformed on that day. Furthermore, I posit that Travelers did not perform due diligence in ensuring that the care was insured under my name before issuing a policy. Had I known that my policy would only go up if I added a car I would have not added the [redacted]. I was allowed to believe that the policy rate went up for both a new car and new driver. In fact I was told to call back with the driver license number, but never told the rate would go up, which is what I was told now. My policy is no longer active with Travelers effective today 10/6/14.Desired Settlement: Refund additional cost of insuring vehicle ([redacted])

Business

Response:

A response was sent from Travelers on October 15, 2014 as follows:

Your complaint alleged that you were misled and misinformed

when you called to add your daughter as a driver to your policy as well as an

additional vehicle. I hope this letter will clarify the situation and you will some

to understand that in fact, the policy was rated appropriately based on the

circumstances presented to us.

Review: I received a letter from Traveler's today that states "Your agent has undoubtedly tried to contact you." on the matter of my policy being cancelled due to excessive comprehensive losses. I have not been contacted by ANYONE at Traveler's in MONTHS!!!!! They could have sent me a letter throughout the last 2 years stating, "we have sent payment to [redacted] Winshield Repair for the amount of $X.XX. Please note that your policy will only allow payment for X repairs." But NO.they waited TWO YEARS and then send me a cancelation of policy letter! I called Travelers and it is in their underwriting policy that they allow 2 losses in 3 yrs or 5 losses in 5 years. The commissioner says that if it is their underwriters policy it isn't against the law so I'm filing a complaint for their process of cancelation int he manner they have taken it to in my case. The only thing I'm grateful for is that they gave me one month to find new insurance! Don't send me a letter saying you've tried to contact me if you haven't even tried!!!!!!!Desired Settlement: I want the comprehensive claims taken off my permanent record so that I can establish new insurance without repercussion of their own mistakes. I wish for them to make it a new policy/practice of their own to contact customers after EACH claim making sure the customer is fully aware of their policies!!!

Business

Response:

A response was sent to Ms Hill 4/3/2014 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 inquiry.

Review: My auto policy (# [redacted]) was canceled on 4/13/2015. Since I have about 20 credit cards and several gift cards, I requested a refund check instead of card credit through my insurance agent [redacted] on 4/16/15.

On 5/1/15, I have not received the refund and had to call Travelers. I was told that they have issued the refund to my credit card. They provided me with the last four digits of the card I used for original purchase, and I could not find the card. I think I've already canceled the credit card/ discard the gift card. I asked if they could reverse the transaction and issue me a check. The answer is NO. I was total that I need to wait for 7-10 business days for them to do some research so that they can let me know the complete card number. The problem is I could not find the credit/gift card, and even if I know the full card number, I've no idea which bank I should call. I've no idea why they could not reverse the payment and issue me a check. I have been with Travelers for several years and even right now I am still using their home insurance. This time I do feel disappointed about their customer service,Desired Settlement: A refund check is expected ASAP.

Business

Response:

A response was sent to Mr **, 5/18/2015 as follows:

"We have been contacted by the RevDex.com on your behalf, concerning the above noted policy. They have shared your

statement regarding the refund that was due as a result of the cancellation of

your policy. I appreciate the opportunity to address your concerns and provide

some additional clarification.