Tri State Consumer Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. But I will complain again if there's no results.
Sincerely,
[redacted]

Dear [redacted],
In reference to Case # [redacted], please be advised that the policy cancelled on November *, 2015.  Once the policy is cancelled, it normally takes 2 to 4 weeks for the refund to be processed.  If [redacted] has not received her refund for the difference in price from what she paid versus the cost of the policy from September [redacted] 2015 to November *, 2015 by the middle of December, she should contact customer service.
Regards,
Susan M[redacted]

Review: I decided to change insurance companies and since they gave me a better rate, I decided to go with TSC Direct. I gave them all my information and they decided the since I drive more than 5 miles a day that they are going to drop me but not before I made a payment of $ 490.00 when my monthly premium was $ 225.00.

I have called and left messages 4 separate times and when I could not get in touch with customer service their claims department was very rude and continued to hang up on me 4 times.Desired Settlement: I want my money refunded and I want it put on record how terrible their customer service is.

Business

Response:

[redacted] Dear [redacted]: We received a complaint from you regarding the above matter. Please permit this letter to serve as our response. [redacted] & [redacted] initiated a policy with [redacted] effective 05/**/2015. They was approved based on the application information which stated that the annual mileage on their 2010 Kia was 9,000 and for the 2008 Chrysler, 10,000. More specifically the Kia’s current mileage reading was 70,000 and the Chrysler’s was 74,000. As part of the new business process, both cars went for a photo inspection. The results of the inspection, which details the current mileage on the vehicle, revealed that in actuality the current mileage on the Kia was 77,703 and for the Chrysler 74,836. The Kia was significantly higher than what the insured reported on her application. Once the true mileage was received, calculations for annual mileage were performed which showed that the Kia’s annual mileage was over 21,000 a year and for the Chrysler it was over 18,000 a year. Unfortunately, Tri-State Consumer Insurance Company’s guidelines do not permit it to insure vehicles that are driven over 18,000 miles a year. [redacted] were sent a cancellation notice reflecting this. [redacted] is mistaken in her assessment that due to her driving more than 5 miles a day, her policy was cancelled. Once again, the policy was cancelled due to her annual mileage not falling within the underwriting guidelines. In addition, according to notes in her file, Tri-State’s customer service department spoke with [redacted] on 5 different occasions in regard to this matter. The policy is due to cancel on June **, 2015. 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 refund. If 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 modified. If the insured had given Tri-State the true mileage on the vehicle on the application, the policy would never have been written. If you need any additional information, feel free to contact me. Regards, [redacted]

This company is absolutely awful. They are unprofessional, and operate like a group of scammers. I paid insurance for 5 years never had an accident. I live in a no fault state, my car was hit and the police reports state it wasn't my fault. They refused to pay the claim in a timely fashion and I had to pay $900 for a rental out of my own pocket. The supervisor Parik M[redacted] acted as if he would assist but stopped answering my calls and emails. They are cheap but you get exactly what you pay for. RUN FAR AWAY FROM THEM.

Review: They call me and offer me a lower quote (48.00 a month), I was paying 63.00 a month to [redacted](WAS THERE FOR 3 YEARS), of course I took the deal! After I told the agent on the phone I was retired, did no drive that much, said the car mileage

approximately to the agent, everything went fine,,,,paid the fee right way (140.00), allowed the company take the money straight from my bank account, they send me a questionnaire and ask me for my oil change bills, of course to know about my mileage!No problem, I did everything I had to do in order to keep that good deal! First month comes, they took the money , maybe two weeks later, I got a letter, NOTICE OF CANCELLATION NON -RENEWAL OR CONDITIONAL RENEWAL..........

Reason for that absurd: INSUFFICIENT VEHICLE USAGE/MILEAGE IS NOT WITHIN UNDERWRITING STANDARDS...........

Well, I called and spoke with someone and told me nothing they could do about it, they had their "guidelines, rules, whatever......

They took my money, cancel my policy, even after I told the agent at first time I did not drive that much (they should have the conversation recorded), never told me about this guideline before I leave [redacted], how convenient is to cancel my policy based on their guidelines that I never knew existed! I think this is fraud, and im sure they have done that to many others! The agent should tell me from the begin, if I drive less than 3000 miles a year , I would not fit the bill, fine, I would never leave [redacted] and feel cheated and violated like that,NEVER!

Called back [redacted] to go back over there, they gave me a quote of 118.00 a month! All because this company bad business! This should be illegal. not to mention the emotional state, that I feel victim of fraud!

Now, I want them to reinstate my insurance, if they dont do it, contact [redacted], and try to reinstate me back paying the amount I was paying!Desired Settlement: I want them to reinstate my insurance with them, or contact [redacted] and put me back, where I was paying 63.00 a month!

And if they refuse to do the right thing, I would like to know, how can I press charges of fraud, because I can proof everything im saying, the amount I was paying to [redacted] and the money they took from me, plus the letter canceling my policy for a guideline I just found out existed after they took my money and gave me a insurance policy!

Business

Response:

September **, 2015 [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] 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 2004 Dodge Intrepid on 5/**/2008 with 112,908 miles and that on 8/*/2015 the actual mileage was 136,000. This calculated to over 3200 miles a year, which fell into the company guidelines. On 9/**/2015, TSC>Direct received a signed application from [redacted], which stated that as of 9/**/2015 the actual mileage was 126,642 (a decrease of almost 10,000 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 [redacted] has quoted him. There was no fraud committed by TSC>Direct. If you need any additional information, feel free to contact me. Regards,

Consumer

Response:

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:Case #: [redacted] Dear [redacted]: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 126000 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

Business

Response:

[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,

Consumer

Response:

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:

After they canceled my insurance , I immediately went to [redacted], 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 [redacted]! 09-**-2015 DEBIT PURCHASE Sep ** 16:15 7162[redacted] ###-###-#### IL [redacted] (from my bank statement).Im sure when I returned to [redacted], my account with this dishonest people was officially canceled! And by the way, I never told the agent I had 136000 miles in my car, I said, I remember, 126000 and change, I could not remember exactly, but I NEVER said 136000 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 [redacted], 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 2 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 63,00 to [redacted] for 3 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,

Review: I have an automobile policy with Tri-State for many years. ,My current policy in force is from 11/**/12 - 11/**/13, when my son received his drivers license I immediately placed him on my policy , he went enrolled in Oneonta Suny and once I provided documentation to them they placed him at away to school status and credited my account accordingly. In May of 2013 a friends parents passed away and gave me the vehicle, prior to registration of the vehicle I called and ask for a quote, they quoted me a price and the following day I called to add the vehicle to my policy, during the process they inquired why I was adding a vehicle to a policy with one current active driver. I explained that I wanted to save mileage on my 2012 Chrysler and use this, they then inquired if my son would be driving it, I explained both vehicles were to be in my garage. I then asked if they needed anything further & they stated no, I was issued an endoresement with the addition of the vehicle and a payment schedule for the remainder of the year,every month until October I received a schedule & paid the policy,I am currently in renewal & receive an additional invoice stating I owe 750 for an additional driver meaning my son, called and informed him he is at school and nothing had changed, their contention is that I could not have 2 vehicles & not have 2 drivers & I no longer qualified for the at school status,Ive called & all the [redacted]s can see in my notes that I was not informed that the policy would increase & I would the at school discount,I was not quoted the additional dollar amount and paid the policy as they billed.I would not have added the vehicle had Id been made aware of the increase, I was given a quoteand an endoresement with payment schedule. I cannot pay these additional funds s I budgetd based on the policy I was given, quote I was given and payment schedule given. Every [redacted] I spoke said they see in the notes that I was asked about my sons status & cannot answer me as to why after 6 months with the vehicle on the policy and the paid as quoted why I should be paying this extra amount, Certainly if this was their policy I should been made aware prior to insuring the vehicle. They refuse to allow me to speak with someone in underwriting and I cannot pay this increaseDesired Settlement: I see no reason to pay the additional funds as I answered all their inquires at the time I added the vehicle, I paid the policy for the remainder of the policy per their invoices, payment schedule and endoresement. I was never made aware of the additional amount and just received a bill, no one can explain to me how they can issue this invoice 6 months after the add and every representative can see in my notes that they asked all these questions and issued the endorsement. I would have never added the vehicle if they would have told me of the increase. certainly t renewal they can say, next year these rate will no longer be available and I can explore my options. They refuse to let a [redacted] or underwriter to speak with me

Business

Response:

Dear [redacted]:

We received a complaint from you regarding the above matter. Please permit this letter to serve as our response.

[redacted] initiated a policy with DIRECT effective 11/**/2007. She was approved based on her application information which stated that she was divorced with no children. On September **, 2012, we received a renewal questionnaire from [redacted] stating that she now had her son [redacted] living with her. This was our first notice that she had a child.

Effective May **, 2013 (mid policy term), an additional car was added to the policy. Any change in the policy mid-term is done without a review. A full review of the policy only occurs annually prior to the renewal date. In September the policy was sent to review for renewal. At that time since there were 2 drivers as members of the household and 2 vehicles, each licensed driver was assigned as the primary driver of a car. This change is retroactive to the date the 2nd car was added as the policy was no longer eligible for the student away at school discount. Because of this, the insured owes additional money for the period of May **, 2013 through November **, 2013.

[redacted]’s policy is due to expire on November **. 2013. To date the insurance company has not received her renewal questionnaire. A non-renewal notice as sent on October *, 2013 to be effective on November **, 2013 for failure to provide underwriting information (no renewal questionnaire received).

In the complaint, [redacted] states she is upset over the addition of her son on her policy. Unfortunately, without proof that he is insured elsewhere, he must remain on her policy.

If you need any additional information, feel free to contact me.

Very Truly yours,

Review: TSC DIRECT CONSUMER INSURANCECOMPANY Cheats, liars, greedy, untrained customer service representatives, offer false hopes. Jericho New York

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I have been with Geico for many years and they are very good at what they do but, I needed cheaper car insurance to fit my budget needs. I decided to go to TSC Direct and a very untrained customer service representative handled my initial policy. I had to tell him about an accident involving my daughter, who only had a permit. He told me that he was going to speak to the under writing department about it and placed me on a long hold, when got back on, he told me that everything was alright. He said that all had to do was give him the phone number and address of my daughter, who no longer lives with me and he will forward the information to the under writing(secret society that will never talk to you, if even they really exist) and everything will be okay. I also gave them a $450. down payment and the representative said congratulations on your new car insurance policy, I was happy to be paying $95 cheaper. A month later I receive a letter in the mail that my policy was going to be canceled as of November *, 2015 because I failed to inform them about my daughter's accident. I was bewildered because I knew I gave that information to the representative, but they informed me, when I called them, that no such thing was recorded in the system. They sent an email letting me know to send them 2 proofs of residency for my daughter to prove she doesn't live with me, it took me some time to get that information but I sent it to them yesterday which was November *, 2015. With only 4 days until cancelation time they had the nerve to send me an email stating that they needed additional information and I wondered why didn't they ask me for this information when they first asked for the information. They dug up additional information at the last minute and it gave me the impression that they were looking for reasons to cancel my policy, so I asked (when I called them) to speak directly to the under writing department and the representative placed me on a long hold. When he came back on he mentioned that they decided not to offer me insurance and that the cancelation still stands. The several amount of times that I contacted these people, they would always promise to call back and never do you would have to call them to get status on your case.Their customer service representatives care only for their commission and are not properly trained, if they were, there would be no way that they would have sold me their policy initially, if there were problems or concerns. I would stayed with Geico and I would not be making this report! They strung me along enough so that they can keep the $198. I sent them for the month. I was cheated out of my car insurance and I do not recommend this bad company to anyone please be aware of their greed, they will see problems initially in the policy and will push it through at YOUR expense!Desired Settlement: It would also be nice that they go ahead and grant me my policy and there would be no need for me asking for a refund but it would have to be the original agreement of $198. a month. My older children do not live with me and they are the ones who came into question. I told the insurance company that I can provide a written letter from my landlord or social worker stating that only me and my 9 year old lives there but they still wanted to cancel. It's not fair and they didn't train their customer service representatives properly.

Business

Response:

[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] 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[redacted] 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. [redacted] 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, [redacted] had listed 4 children ([redacted]). Information was requested on [redacted] & [redacted] 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 [redacted] & [redacted] indicated that both had been issued licenses at the insured’s address in 2011. [redacted] had since surrended her license to New Jersey, and [redacted] had his recently suspended. His report also indicated that in 2015 he had 2 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 24 months. Because of this information, the cancellation notice could not be rescinded and [redacted] was sent a letter stating such. In the complaint, [redacted] states that TSC>DIRECT did not contact her. A review of the communication log shows that there were at least 5 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 [redacted] 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 **, 2015 to November *, 2015. If [redacted] has overpaid for this time period she will receive a refund. If [redacted] 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,[redacted]

Consumer

Response:

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!

Business

Response:

Dear [redacted],

In reference to Case # [redacted], please be advised that the policy cancelled on November *, 2015. Once the policy is cancelled, it normally takes 2 to 4 weeks for the refund to be processed. If [redacted] has not received her refund for the difference in price from what she paid versus the cost of the policy from September [redacted] 2015 to November *, 2015 by the middle of December, she should contact customer service.

Regards,

Susan M[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. But I will complain again if there's no results.

Sincerely,

Filled out online info after seeing an ad. The company sent me a specific quote (see attached). Not disclaimers, no comments about being an estimate, etc. Any reasonable person would see this document as an offer of sale for a policy for the price of 894.60. When I called to pay, they wanted more information and then charged me more. [redacted] (supervisor) admitted the document should have said it is an estimated price and not firm. He said he would be addressing the "error" with his superiors and I should be entitled to the clearly stated price. Despite this insisted I must pay $965 for the policy. Blatant false advertising and classic bait and switch. Wasted my time. I dont care about the extra $70. It is the principle of the matter. Please get them to stop frauding the public with this illegal practice.