Tri State Consumer Inc.

I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I did provide TSC and their attorneys, *** * *** *** with a copy of my declaration page from Geico/Cabrillo Coastal General Insurance Agency indicating that I had switched coverage from TSC to Geico effective 7/*/I'm attaching another copy to this emailThank you!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

*** *** ***
*** *** *** ***
*** *** ***
*** *** *** ***
*** *** ***
*** *** ** ***
*** *** ***
*** *** *** ** *** Dear *** ***: We received a complaint from you regarding the above matterPlease permit this
letter to serve as our response*** & *** *** initiated a policy with *** effective 05/**/They was approved based on the application information which stated that the annual mileage on their Kia was 9,and for the Chrysler, 10,More specifically the Kia’s current mileage reading was 70,and the Chrysler’s was 74,As part of the new business process, both cars went for a photo inspectionThe results of the inspection, which details the current mileage on the vehicle, revealed that in actuality the current mileage on the Kia was 77,and for the Chrysler 74,The Kia was significantly higher than what the insured reported on her applicationOnce the true mileage was received, calculations for annual mileage were performed which showed that the Kia’s annual mileage was over 21,a year and for the Chrysler it was over 18,a yearUnfortunately, Tri-State Consumer Insurance Company’s guidelines do not permit it to insure vehicles that are driven over 18,miles a year*** * *** *** were sent a cancellation notice reflecting this*** *** is mistaken in her assessment that due to her driving more than miles a day, her policy was cancelledOnce again, the policy was cancelled due to her annual mileage not falling within the underwriting guidelinesIn addition, according to notes in her file, Tri-State’s customer service department spoke with *** *** on different occasions in regard to this matterThe policy is due to cancel on June **, If at that time the difference between the cost to insure for the month and a half is less than the initial payment of $490, the insured will be sent a refundIf the insured replaces coverage before that date, they should inform Tri-State by means of proof of new insurance and the cancellation date will be modifiedIf the insured had given Tri-State the true mileage on the vehicle on the application, the policy would never have been writtenIf you need any additional information, feel free to contact meRegards, *** ***

*** ** ***
*** *** *** ***
*** *** ***
*** *** *** ***
*** *** ***
*** *** **
***
*** *** ***
*** *** *** ** ***Dear *** ***:We received a complaint from you regarding the above matter. Please permit this letter to serve as our response. *** *** initiated a policy with TSC>DIRECT effective 09/**/2015. She was approved based on the application information she verbally provided which stated that she was the only household member over the age of 16. As part of the new business process, the policy is reviewed. For this insured, a CLUE report stated that in 2014, Veronica F* was operating the insured’s vehicle when involved in an accident. A motor vehicle report was run which revealed that Veronica had a permit under the insured’s address. A cancellation notice was immediately sent out as TSC>DIRECT does not issue policies where there is a permit holder in the household. *** *** submitted proof that Veronica no longer lived in the home. This allowed TSC>DIRECT underwriters to continue processing the new business. While doing this, a prior application with TSC>DIRECT was reviewed. On that application, *** *** had listed children (** *** ** *** ** *** * ** ***). Information was requested on ** *** & ** *** who due to their date of birth were of legal age to have a permit or license. The motor vehicle reports that were run on *** & *** *** indicated that both had been issued licenses at the insured’s address in 2011. *** had since surrended her license to New Jersey, and *** had his recently suspended. His report also indicated that in he had moving violations. Unfortunately, TSC>DIRECT does not issue a policy where there is a member of the household who has a suspended or revoked license/permit within the past months. Because of this information, the cancellation notice could not be rescinded and *** *** was sent a letter stating such. In the complaint, *** *** states that TSC>DIRECT did not contact her. A review of the communication log shows that there were at least times where the insured spoke with a representative. She also infers that the TSC>DIRECT representative only wants a commission and receives this by having the policy issued. TSC>DIRECT employees do not receive a commission. TSC>DIRECT did not string *** *** along in any way. The policy was issued based on the information she gave. When new information came to light, TSC>DIRECT acted on it immediately. As far as any money paid by the insured for the policy, once the policy is officially cancelled on November *, 2015, the billing department will determine how much the policy cost for the period of September **, to November *, 2015. If *** *** has overpaid for this time period she will receive a refund. If *** *** replaces coverage prior to November *, 2015, she should submit proof and the policy will be cancelled as of the date she replaced coverage.If you need any additional information, feel free to contact me.Regards,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
After they canceled my insurance , I immediately went to *** ***, if I knew they would take more money from my account I would have called the bank and blocked them to take more money from my account, after I was already with *** ***! 09-**-DEBIT PURCHASE Sep ** 16:7162*** *** ###-###-#### IL *** (from my bank statement).Im sure when I returned to *** ***, my account with this dishonest people was officially canceled! And by the way, I never told the agent I had miles in my car, I said, I remember, and change, I could not remember exactly, but I NEVER said miles! Easy to find out, get the part at recorded conversation we had, when I told her the mileage, simple as that! I just hope they still have that recorded! Now, because these people, I went back to *** ***, paying much more , because they did not say anything about a guideline they had! And why would I lie about the mileage? Does not make any sense, this is ridiculous! I want them to provide the part I talk about the mileage with the agent!In march and april, I received emails from this company offering me a good discount(i have the emails), I ignored them , something in my guts told me to not do businesses with them, plus all the negative reviews I read about them! But, unfortunately I made the terrible mistake in trust them! They are really terrible, and all I want is the good deal the offered! Big mistake.....and when I think I told to people about the good deal I made, gosh, I just hope no one called them, would be embarrassing recommend this terrible company! I was paying 63,to *** *** for years, went up to 98.00....all because I trusted on this horrendous company!They MUST tell people, before close any deal about this ridiculous guideline they have,,,,in my opinion is dishonest!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

*** *** *** ***
*** *** ***
*** *** *** ***
*** *** **
***
*** *** ***
*** *** *** ** *** We received a complaint from you regarding the above matter. Please permit this letter to serve as our response. In February* *** *** requested that his policy be cancelled as he was transferring plates to a new vehicle that he was purchasing. Proof of the plate transfer was requested. This was never received, however, in April, he explained that he did not transfer the plates until April *** 2017. TSC>Direct cancelled his policy as of the date of transfer. MrB*** then requested that the policy be cancelled as of 2/*/which was the day he initiated a new policy for his new car. Our representatives explained to him that DMV may fine him for having active plates with no insurance if the policy is cancelled prior to either transferring the plates to another vehicle or surrendering them to DMV. He understood the repercussions but insisted on the policy being cancelled as of 2/*/17. The policy has since been cancelled as per his request and an additional refund of premium has been processed If you need any additional information, feel free to contact us

September **, 2015 *** *** *** ***
*** *** ***
*** *** *** ***
*** *** ***
*** *** **
***
*** *** ***
*** *** *** ** *** Dear *** ***: We received a complaint from you regarding the above matter. Please permit this letter to serve as our response. *** *** initiated a policy with TSC>DIRECT effective 08/**/2015. He was approved based on the application information he verbally provided which stated that he purchased his Dodge Intrepid on 5/**/with 112,miles and that on 8/*/the actual mileage was 136,000. This calculated to over miles a year, which fell into the company guidelines. On 9/**/2015, TSC>Direct received a signed application from *** ***, which stated that as of 9/**/the actual mileage was 126,(a decrease of almost 10,miles from the verbal application). The annual mileage calculation based upon this information did not fall within the company guidelines. If the insured had given Tri-State the true mileage on the vehicle originally, the policy would never have been written. Unfortunately TSC>Direct cannot rescind the cancellation notice nor do they have control over the premium that *** *** has quoted him. There was no fraud committed by TSC>Direct. If you need any additional information, feel free to contact me. Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:Case #: *** Dear *** ***:Sorry bother you, but I didnt see the answer until today! I gave the true mileage, I remember I said to the agent I had and change, I wasn't sure! If you were able to hear the conversation that I had with the agent, you would see I said the true! Why would I give a wrong information when I had all interest in pay less car insurance? On top of this , they took money again from my account unauthorized, after they canceled the insurance policy! Best regards
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
They are simply reinstating the reason they feel is justifiable for terming my insuranceThis does not resolve my issue, also I was never advised that my photo inspection had to be done in anyone particular areaI was told that the inspection was because whenever someone receives full coverage, a photo is mandatoryNot that it was to further evaluate whether I am a qualified clientAs I informed the representative over the phone, the only reason why I did it close to my job was becauseWhen I checked the hours of operation for the locations by where I live, the hours either would have made me late for work or would have thrown off my entire schedule (I am very busy)This is very unfair and UNJUSTIFIABLE!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
Their response is a lie.  I applied online once, and was contacted over the phone by a TSC Direct representative to process my application. He could not find my information in their system and had to manually enter it in. The information disclosed during the application NEVER changed nor did I continuously apply. I spoke with the supervisor Anita several times in regards to my policy cancelling even though they knew where I worked.  I am requesting a full refund ASAP.  This is a bait and switch company.  They will not let customers speak to the underwriting department and they will not disclose their underwriting rules/
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

Dear [redacted],Attached is the certified mail that was received in our office on 9/**/2016 under tracking # [redacted].  As you can see, proof of insurance dated 7/*/16 was not included.  Please have the insured send a copy of the policy declaration page effective 7/*/16 in order for the amount owed to be amended. Thank you.

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
                                   
Dear [redacted]:
We received a complaint from you regarding the above matter.  Please permit this letter to serve as a follow up to our response. 
The information provided in Tri-States file says that the insured estimated that he had 136,000 miles on the vehicle as of August *, 2015.  This was the information that was used to process the quote, resulting in the issuance of the policy.  We apologize if there was any miscommunication of mileage between the insured and the Tri-State representative.
The company records show that the last payment processed on this account was on October *, 2015 in the amount of $48.  This was prior to the cancellation effective date of October **, 2015.  If the insured disagrees with this, please have them submit proof that they were charged subsequent to October **, 2015.  In addition, the insured will be getting a refund reflecting the difference between what was paid and the cost of the policy from August *, 2015 through October **, 2016.
If you need any additional information, feel free to contact me.
Regards,
[redacted]

[redacted]
 
 
[redacted]
 
            [redacted]       [redacted]...

[redacted]
                        [redacted]
                        [redacted]                                     Dear [redacted]:   We received a complaint from you regarding the above matter.  Please permit this letter to serve as our response.    On March **, 2017, [redacted] applied for insurance with Tri-State Consumer Insurance Company (TSC).  His policy was approved based on the information he provided during the application process. In order to continue the full coverage of his vehicle, [redacted] had to have the car inspected at an approved inspection site.  A question of vehicle usage arose which was discussed with [redacted] and resulted in the cancellation of his policy.   If you need any additional information, feel free to contact me.   Regards,     [redacted]

[redacted]
*
[redacted]
*
            [redacted]       [redacted]...

[redacted]
                        [redacted]
                        [redacted]
                                   
Dear [redacted]:
 
We received a complaint from you regarding the above
matter.  Please permit this letter to
serve as our response. 
 
[redacted] applied for insurance with TSC>Direct (“TSC”).  During the application process she stated that
she lived alone, was self-employed and purchased her 2004 Hyundai in August of
2016.    The policy was issued based on that
information.  During the new business
process the policy was reviewed and additional information was needed in order
to continue the policy.  This included a
completed and signed application and proof of 6 to 12 months mileage on her
previous vehicle.  As a preferred
company, it is mandatory that an annual mileage pattern be established.  TSC must rely on the insured to provide this
information to them.  After receiving
only the application, the insured was sent numerous letters asking for the
other information and for the insured to call to speak with a representative
about additional information (a phone check produced a relative living with the
insured).  When the insured did not
respond with all the necessary information, a cancellation notice was sent on
09/**/2016 to be effective on 10/**/2016 for the insured’s failure to provide
complete underwriting information.  To
date, TSC has not received the information they requested.  The policy cancelled as per the notice on
10/**/2016.
 
In her complaint, the insured states that she only found out
that her policy was cancelled when she called the office and already had a
lapse in coverage.  We understand [redacted]s frustration, however, our cancellation notice was mailed through the
postal service.  TSC does have proof of
that mailing. 
 
If you need any additional information, feel free to contact
me.
 
Regards,
 
 
Susan M[redacted]

[redacted]
*
[redacted]
[redacted]
[redacted]
[redacted]
*
            ...

                                    Dear [redacted]   We received a complaint from you regarding the above matter.  Please permit this letter to serve as our response.    [redacted] applied for insurance with [redacted] (“[redacted]”).  During the application process she stated that she just moved from Manhattan to Staten Island and would be commuting by bus, ferry and train to her place of employment.  The policy was issued.  During the new business process the policy was reviewed.  It was noticed that the insured took the car to Brooklyn for a photo inspection.  When questioned, the insured stated that she drove to work on that day but does not normally do so.  The underwriters determined that the insured could potentially drive to work and since that usage was not within the company guidelines, a cancellation notice was sent.  In addition, information was requested on her boyfriend because he was a member of the household with an adverse driving record.  TSC does not randomly cancel policies.      If you need any additional information, feel free to contact me.   Regards,     Susan M[redacted]

[redacted]
            [redacted]       [redacted]...

[redacted]
                        [redacted]
                        [redacted]                                     Dear [redacted]:   We received a complaint from you regarding the above matter.  Please permit this letter to serve as our response.    On July **, **16, [redacted] asked that TSC>Direct (“TSC”) cancel her policy.  This was processed and her policy with TSC was cancelled effective July **, **16.  [redacted] then stated that she wanted it cancelled back to June **, **16.  It was explained that in order to do so, a copy of her new policy with the effective date of 6/**/16 would be needed.  To date [redacted] has not yet submitted the proof and her policy remains cancelled as of 7/**/**16.  The billed amount for the 26 days of insurance (6/**/16-7/**/16) was $123.00 which has not been paid.   If you need any additional information, feel free to contact us.

[redacted]
 
            [redacted]       [redacted]
                       ...

[redacted]
                        [redacted]                                      We received a complaint from you regarding the above matter.  Please permit this letter to serve as our response.    [redacted] was issued a policy based on information she provided during the application process.  After issuance, information surfaced that revealed discrepancies in the information she had provided, prompting the policy to be cancelled.  Further review revealed multiple applications submitted by [redacted], all providing different information and all not within the companies underwriting guidelines.    If you need any additional information, feel free to contact us.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

TSC is lying. I've a copy of the letter I sent them via certified mail on 8/**/16 (after numerous phone calls to their Customer Service Number) with an attachment of the email I sent my broker on 7/*/16 cancelling my insurance with TSC. Additionally, I sent TSC and their attorneys a copy of my Homeowner's Insurance with Geico which clearly indicates that I had coverage with Geico effective 7/*/16. All I've requested from TSC is a revised bill indicating the "correct amount" I owe for coverage from 6/**-7/*/16. I do NOT owe them payment through 7/**/17. If needed, I have copies of all the certified letters and documentation that my letters were received by TSC and their attorneys[redacted].  Unfortunately, TSC refuses to send me an amended bill for the days they provided coverage which was 6/**-7/*/16 and have referred my account to a collection agency instead.The Article Number of the certified letter I sent TSC is [redacted]....letter was sent certified-return receipt requestedThe Article Number of the certified letter I sent [redacted] is [redacted]...letter was sent certified-return receipt requested Thank you for your help.
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

On November ** 2015, Tri state cancelled my policy. I have yet to hear from them about my refund. I had given this bad company $450. in the beginning and I was told by the worst customer service representative that that money is for the last 2 months of the policy. I was told that this money was going to cover the 2 remaining months of that policy, unfortunately I didn't get to make through 1 month due to cancellation. My down payment was extra high and I do not want Tri state to keep my money so that they can pay their terrible customer service team! I want my money back! 
 
[redacted]

[redacted]
 
[redacted]
 
            [redacted]       [redacted]...

[redacted]
                        [redacted]
                        [redacted]
                                    Dear [redacted]:   We received a complaint from you regarding the above matter.  Please permit this letter to serve as our response.    [redacted] applied for insurance with TSC>Direct (“TSC”).  The policy was issued based on the information she provided.  During the new business process the policy was reviewed and additional information was needed in order to continue the policy.  This included a completed and signed application and the date of birth and driver’s license number for [redacted] who was involved in an accident while driving the insured’s vehicle. A letter was sent on 1/*/17 requesting such.  Follow up emails were sent on 1/**/17& 1/**/17. As of February **, 2017, this information had not yet been received and a cancellation notice was sent to be effective on March **, 2017.  Tri-State has proof of mailing for this notice. On February **, 2017 the application & initial information regarding [redacted] were received and went in for review.  During review there were discrepancies with the information provided on the application, therefore, it was determined that more information was needed. A request was sent on February **, 2017.  Additional information was received, however, it was not sufficient and the policy canceled on 3/**/2017 as per the cancellation notice that was mailed to her on February **, 2017.  Continuously missing from any of the correspondence between [redacted] and TSC, was proof of insurance for [redacted].  Failing to provide adequate proof that Chastity was insured elsewhere did not allow for TSC to rescind the cancellation.   Tri-State does apologize for any confusion regarding her contact with them.  If she would like, Tri-State can provide a copy of the cancellation notice and proof of mailing from the post office.  A refund of $294.72 has been processed and is being mailed through the postal service and should be received shortly.   If you need any additional information, feel free to contact me.   Regards,     Susan M[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[I find their response to be inaccurate and a cover up. I have replied to every corospondence sent to me. If the information I submitted for [redacted] to you after the notice dated February **,2017 which was way before March **,2017 was still insufficient then why was I not notified. It was also stated by TSC Direct that [redacted] was involved in an accident while driving my vehicle. [redacted] was not in an accident  while I was insured under Tsc Direct therefore I should be reimbursed for any fees that I owe NY DMV for not having insurance from March **,2017 to March **,2017..  March **,2017 is when I found out my insurance had been cancelled  
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]