Geico Corporation

April 18, Dear [redacted] ***,We received your correspondence dated March 12, 2014, regarding the above-noted complaintWe have not included any personal identifying information in our response as you requested.We attempted to contact our insured via telephone; however, we were unsuccessful.On February 26, 2012, our insured purchased a new policy online at geico.com with a [redacted] card ending in ***At that time, he authorized this [redacted] card to be used automatically for future installments.On August 27, 2013, and August 31, 2013, we attempted to submit our insured’s renewal payment of $523.42; however, the payments were declinedOn September 1, 2013, our insured made a one-time payment online at geico.com using a [redacted] card ending in ***Our insured’s [redacted] card ending in [redacted] remained enrolled for future automatic payments.In October 2013, we received returned mail from the Postal Service, which indicated our insured’s [redacted] address was invalidWe used an automated phone call and e-mail to request that our insured provide us with his updated addressOur records do not reflect our insured contacted us to update the address prior to his reissue on April 9, 2014.On February 27, 2014, and March 3, 2014, we attempted to submit our insured’s renewal payment of $on his [redacted] card ending in ***; however, the payments were declined due to the card being over the limitOn March 4, 2014, we emailed our insured a notification that his payment declinedOn March 5, 2014, we mailed our insured a notice that his policy would cancel if we did not receive a payment by March 16, We did not receive payment and our insured’s policy cancelled effective February 27, On March 18, 2014, we again received returned mail from the Postal Service since our insured had not notified us of his proper address.On April 9, 2014, our insured called us to reissue his policyHe made payments, totaling $with his [redacted] card ending in ***We regret that our insured’s premium increased when he reissued the policyIt appears that he might have expected his payment to be charged to his [redacted] account ending in ***, rather than the one that was enrolledIf our insured can provide us proof that his [redacted] card ending in [redacted] had funds available when we submitted his payment, we would be happy to reinstate his previous policy without a lapse.We trust this information is sufficient to allow you to close your filePlease call [redacted] , Customer Service Director, at ###-###-####, if you have any further questions

April 2, Dear [redacted] ***:We have received the rejection of our response to the Revdex.comWe have been unsuccessful in reaching [redacted] to discuss his concerns.GEICO reinstated the insurance policy as requested by Mr, Padgett and provided proof of insurance coverage from November 25, to December 20, GEICO has made every effort to rectify the situationAgain, we apologize for the confusion and frustration.I hope this information will assist you in resolving this matterIf additional information is required, please contact [redacted] at [redacted] ext, [redacted] or via email at [redacted] Sincerely,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I never intended to include my son in my policy at the first place and I was just trying to get a quote. I do not have time to go through this hassle. Their website is very misleading and I am a very dissatisfied customer. I think this type of policy is not a good business practice, it is deceptive and I am in the process of switching company. Regards, [redacted]

March 13, Dear [redacted] ***: Thank you for your letter of March 8,2014, regarding ** [redacted] ’s claim The accident occurred on August 23, at 1:p.mon [redacted] at the [redacted] block of [redacted] in [redacted] ***There were no adverse weather or road conditions that contributed to this loss** [redacted] was traveling westbound, in the center lane of three, traveling directly behind a vehicle being driven by [redacted] *** [redacted] advised that he observed a pedestrian, running against traffic, not in a crosswalk and pushing a stroller while crossing [redacted] in an effort to reach a city bus** [redacted] stated that he applied his brakes** [redacted] also applied his brakes and swerved to the right striking both ***’s vehicle and a city bus which was stopped in the right laneThe pedestrian pushing the stroller boarded another city bus and left the scene without being identified Our investigation concluded that ** [redacted] was able to stop safely and avoid the unidentified pedestrians** [redacted] failed to maintain a safe distance between ***’s vehicle causing him to swerve and impact the two vehiclesAs requested, attached is a copy of the police report for your review and the CLUE report If you have any questions, please feel free to contact [redacted] , South Florida Branch Manager, at ###-###-####, extension *** [redacted] August 23, Very truly yours,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: 1) The accident that happened was under GEICO's insurance and GEICO had all the records that the agent must have been able to seeThere was no property damage in the accidentThe damage was to my vehicle.2) As Acknowledged in the email by Mr S [redacted] that it is an isolated agent error, I have still not received an apology for the error3) Why was not I told that the premium can change tommorrow because GEICO hasnot finished the investigation of my recordIt would have been much better if I was given a final amount after your company finished the required workMy account should not have been charged instantaneously without even finishing the work on your sideYour agent could have told me its an arbitrary quote and we will contact you with the final offer from GEICO rather than selling it cheaper and hiking it after taking money within hours4) Any ways its all redundant at this point and I would not like to waste any more time playing tug of war with GEICO There is no mention in the response about when will I receive the refund of for auto and $ for renters deducted from my accountI would like to request information on when will I get the refund Regards, [redacted]

Tell us why hereMay 2, [redacted] Revdex.com of Metropolitan Washington DC K Street NW, 10th Floor Washington, DC 20005- Regarding: [redacted] * [redacted] Claim Number: [redacted] -***- [redacted] Revdex.com File Number: [redacted] Dear [redacted] : We have received your letter requesting assistance on behalf of Mr [redacted] ***I welcome the opportunity to respond to Mr***'s concerns The referenced claim was reported to us on December 22, by [redacted] InsuranceWe spoke to our policyholder the same day and determined our insured was responsible the accidentWe also spoke to Mr [redacted] on that same day and advised him of our liability decisionHe advised us he was filing his claim for his damages with his insurance company ( [redacted] Insurance)On that day we also contacted [redacted] at [redacted] Insurance and advised him of our liability decisionWe received a subrogation demand from [redacted] Insurance on February 16, 2016, and issued payment in the full amount requested, $This payment was check number***-***- [redacted] and has been cashed On March 1, we spoke with both [redacted] Insurance and Mr [redacted] and advised there were no requests or supports the for rental expenses that Mr [redacted] incurredWe asked him to send in the documents for review of paymentThe needed documents were sent in for review on March 01, and March 3, There was an error in reviewing the information regarding the downtime of Mr***’s vehicle, and a payment of only days of rental was issued to Mr [redacted] on March 23, This was under check number***-***-***in the amount of $50.00, and has not yet been cashedWe did speak with Mr [redacted] after the $payment was made to realize the errorUpon receiving this compliant, the file was reviewed and the error was foundA Supervisor contacted Mr [redacted] on April 27, to apologize for the inconvenience, and a payment in the amount of $was issued to Mr [redacted] under check number***-***- [redacted] I hope this information is helpful in resolving Mr***'s concernsIf you have any additional questions, please contact Claims Manager, Carl S***, at ###-###-####, extension Sincerely, Martha F [redacted] Regional Vice President Government Employees Insurance Company

Please see the attached responseRegional Office: [redacted] - Woodbury, NY [redacted] December 3, Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K StNW, 10" Floor Washington, DC 20005-Attention: [redacted] Re: [redacted] Case ID: [redacted] Policy;#: [redacted] Dear [redacted] : This will acknowledge receipt of your December 3, follow up inquiry regarding the above referenced private passenger automobile insurance policyPlease be advised that GEICO’s position on the matter remains unchangedPolicy paperwork is provided to the insured at every renewal, and after a requested change is made to the policyThe included policy declarations provide a clear breakdown of the premium for the individual coverage items along with a listing of the applicable discounts for which the insured is eligibleA number of factors are used in determining automobile insurance rates, including where a vehicle is customarily kept, the age and driving record of the driver, the type and use of the covered vehicle(s), as well as the coverage limits being carried on the policyThe premium charged to an individual policyholder is also affected directly by the number and cost of accidents caused by drivers who live in his or her rating territory and by the number of thefts in that territoryMsJames is receiving the best rate that our company can offer her at this time based on her underwriting factorsThere is no indication that she was ever overcharged by our companySince there appears to be no valid complaint against GEICO, we ask that this be removed from our recordIf you require further assistance with this matter, please contact the undersigned at ###-###-####Very truly yours, Brian O [redacted] Executive Office

May 12, Dear [redacted] ***:Thank you for your May , inquiry.This inquiry stems from a theft loss to a [redacted] owned by ** [redacted] In his complaint to your office, ** [redacted] contends he incurred a rental expense during the first hours after the theft of his vehicle for which he would like reimbursementOur policy contract with ** [redacted] is quite clear in that we cannot provide transportation expense for the first hours after a theft loss is reported to us and to the appropriate police departmentHowever, in an effort to assist ** [redacted] , we agreed to waive this hour requirement and reimburse ** [redacted] up to the policy limit of per day for the two days in questionOnce ** [redacted] submits the rental receipt, a check will be issued to him in the amount of In an attempt to obtain the receipt directly from ***, we were advised by them they have no record of a rental for ** [redacted] on those datesTherefore, he will need to submit his receipts directly to us.If you have any additional questions, please contact ** [redacted] , Claims Manager, at ###-###-####, extension ***.Sincerely,

Complaint ID: [redacted] Heather M [redacted] Assistant Vice President December 16, [redacted] Revdex.com KStreet NW, 10" Floor Washington, D.C20005-Re: Complaint ID: [redacted] Dear Ms [redacted] , We received your correspondence dated December 2, We have not included any personal identifying information in our response, We have contacted our insured and discussed his concerns.Our insured established their automobile policy May 23, 2014, and elected Recurring Credit/Debit Card, (RCC) as their payment optionWith this method, our insured’s payments are scheduled to be automatically withdrawn from their credit or debit cardHowever, our insured has been using a bill payer service to submit payments in advance, which prevents the automatic withdrawal as long as the payments are submitted more than three days in advance of when they are scheduledOn November 23, 2015, our insured made a payment of $through a bill payer serviceUnfortunately, this payment was processed on the same day the regularly scheduled payment of $was withdrawn and therefore this payment was not prevented from occurringOur insured requested that we reimburse the $however, in order to process a refund; we must first confirm that the payment has cleared our insured’s accountWe attempted obtain confirmation from the bank, however our request was deniedWe discussed with our insured the option of providing us with a copy of his bank statement showing that the payment cleared, which he unfortunately declined to doAfter waiting seven business days to ensure the payment would not be returned, we processed a refund of $directly back to his bank accountWe trust that this information is sufficient to allow you to close your fileIf you have any additional questions or concerns regarding this issue, please feel free to call my associate, Barbara C [redacted] , at ###-###-####, extHeather M [redacted] Assistant Vice President, Underwriting Government Employees Insurance Company Regional Office - [redacted] is Macon, GA 31295-m ###-###-####

July 22, Revdex.com OF METROPOLITAN WASHINGTON DC AND EASTERN PENNSYLVANIA K STNW , 10TH FLOOR WASHINGTON DC 20005- ATTN: [redacted] Re: Policy Number: [redacted] ID Number: [redacted] Re: [redacted] Dear ***: This is in response to your email of July 21, 2014, addressed to Tony N [redacted] of GEICO Your letter has been referred to me for response as the Accounts Receivable Department is my responsibility Our original response to this complaint was sent to your office on July 15, We addressed all issues in the response, and our decision and actions have not changed Since no effort was made to make the payment of $that was due, the policy is now cancelled for non-payment of premium effective July 14, There is an earned premium balance due of $for coverage provided from February 2, to July 14, This is our final response to this complaint If you have any additional questions or concerns regarding this issue, please feel free to give me a call at ###-###-####, ext*** Sincerely, Barbara C [redacted] Customer Advocate Centralized Services

March 6, 2014 0pt;" class="**oNoSpacing"> [redacted] RevDex.com 1411 K ST NW 10TH FLOOR WASHINGTON DC 20005-3404 Regarding: [redacted] Policy No: [redacted] ID No: [redacted] Dear **. ***: We received your letter regarding the cancellation of **. ***’s auto policy. **. [redacted] contacted us on January 25, 2014 regarding the pending cancellation of his policy for non-payment of premium on January 31, 2014. **. [redacted] could not make his payment until February 1, 2014. This payment arrangement was agreed upon by our agent and an electronic check payment was scheduled to be extracted on February 1, 2014. The payment was processed and posted to the policy. Since this was a check payment, the funds were not automatically received on February 1, 2014, but were submitted to **. ***’s bank for payment. On February 10, 2014 the payment was returned by **. ***’s bank for insufficient funds. Notification was immediately sent to inform him that due to the return of his payment, the cancellation for January 31, 2014 was reinstated. Our records show that as of February 21, 2014, **. ***’s policy was reissued with a lapse in coverage. If you need additional information regarding this matter, please contact [redacted] ***, at ###-###-####, extension ***. Sincerely, [redacted] Virginia Beach Regional Office Government Employees Insurance Company

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Geico has stated their lack of ability to provide me with the cost of separate damages for this claim only so that means that my complaint cannot be resolved Regards, [redacted] ***

June 3, 2014Dear [redacted] ***:Thank you for your May 24, 2014 inquiry,We researched [redacted] s concerns and regret he had difficulty settling his claim. Our records indicate we handled a claim on his 2011 [redacted] for a loss Suffered on April 22, 2014.Our [redacted] supervisor,... [redacted] ***, spoke with [redacted] on May 26, 2014 and addressed each concern [redacted] presented on the aforementioned email in his complaint. Our position was clearly stated on each item and it is our understanding [redacted] understands and accepts our position.If further information is needed, please contact [redacted] , Auto Damage Manager, at ###-###-####.Sincerely,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I was clearly told that the quote was the final amount of payment!!! Your company did not follow the guidelines you say in your responseYou need to be able to take responsibility for your errors [redacted]

July 2, 2014 0in 0pt"> [redacted] RevDex.com 1411 K. Street NW, 10th Floor Washington, D.C. 20005-3404 Re: File Number: [redacted] Policy Number: [redacted] Complainant: [redacted] Dear [redacted] ***, This is in response to your July 1, 2014 correspondence. **. [redacted] initially obtained a quote via the Internet. On April 25, 2014, he called us and provided his credit card information to purchase a policy. We ordered a motor vehicle report to confirm the driving record originally reported. Due to additional activity on the report, the rate changed to $421.92. Policy documents were issued on April 26, 2014. Our underwriting department reviewed **. [redacted] ’s request for an affidavit of insurance and certificate of financial responsibility on April 29, 2014. We discovered that the policy did not correctly reflect **. [redacted] ’s December 11, 2013 accident. The rate changed from $421.92 to $644.64 due to a change in company placement as a result of including the accident. We strive to make every quote as accurate as possible and sincerely apologize for the inconvenience that **. [redacted] may experience. The current premium at $644.64 is an accurate rate for **. [redacted] . On June 17, 2014, **. [redacted] spoke with a supervisor in our customer service department and elected to continue with his policy. If additional information is needed to close your file, please contact Bertha Bond at ###-###-#### or [redacted] . Sincerely, [redacted] Assistant Vice President

[redacted] Revdex.com KStreet NW, 10th Floor Washington, D.C 20005- Re: File Number: [redacted] Retention Number: [redacted] Complainant: [redacted] Dear ***, This is in response to your July 3, correspondence ** [redacted] obtained several quotes online for two different addresses ( [redacted] Oh [redacted] and [redacted] ***, [redacted] Ohio ***) prior to contacting us to purchase a policy Our rating system is designed to assign rates based on the zip code of the primary location of the vehicle When ** [redacted] called to purchase her policy, the rates were changed to reflect those of her new address ( [redacted] Apt 34, [redacted] , OH ***) While we understand she did not anticipate an increase in rates, we must assign rates based on the correct address We received ***’s written application and our underwriting department spoke with her on June 9, regarding the information she reported It was our understanding that she would call to place the policy in force We regret the inconvenience ** [redacted] may be experiencing, but we are unable to provide the complimentary coverage she is requesting If additional information is needed to close your file, please contact [redacted] at ###-###-#### or [redacted] Sincerely, [redacted] Assistant Vice President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: First of all, there was never any water in the passenger compartments. Yes, the interior was dirty. However, water has never at any point in time entered the passenger compartments. This refutes the claim that the water in the puddle would have to have been waist high. Due to the angle that the front of the truck entered the puddle, the damage occurred. Secondly, **. [redacted] never requested a recorded statement from **. [redacted] at any time. As stated previously, at no point in time did **. [redacted] state anything regarding that in order for the loss to be covered, an investigation would have to occur. Instead, **. [redacted] insisted that the withdrawal form would need to be signed immediately. **. [redacted] never requested to further investigate the claim. He stated that the loss would not be covered, and it would be considered fraudulent if we chose to pursue the claim. It seems that **. [redacted] provided an enormous amount of false information regarding our claim. Regards, [redacted]

June 2, 2014 class="InsideAddress"> BBB OF METROPOLITAN WASHINGTON DC AND EASTERN PENNSYLVANIA 1411 K ST. NW , 10TH FLOOR WASHINGTON DC 20005-3404 ATTN: ANITA HORNE Re: Policy Number: [redacted] ID Number: [redacted] Re: [redacted] Dear [redacted] ***: This is in response to your email of May 20, 2014, addressed to [redacted] of GEICO. Your letter has been referred to me for response as the Accounts Receivable Department is my responsibility. Our records show that **. [redacted] called on May 5, 2014 stating that he could no longer afford the premium for his policy and requested that we not withdraw the current payment due of $94.97. **. ***’s policy was on the electronic funds transfer (EFT) method of payment. **. ***’s regularly scheduled payment had already been withdrawn on May 3, 2014. We have discussed the situation with **. ***. He stated that he was under the impression that when he asked for the payment to be returned, that his policy would automatically be cancelled at the same time. We have agreed based on the miscommunication with our Service Department, that we would cancel the policy effective May 5, 2014 as he requested. The cancellation resulted in a credit of $136.38. **. [redacted] reissued his policy effective June 1, 2014. Therefore the credit has been applied towards the premium for the new policy. We spoke to **. [redacted] on May 30, 2014 and advised him that he could leave to credit on his new policy premium, or we could reimburse it, whichever he chose. He agreed to leave the credit on the new policy since it will allow him more time to secure funds to pay future installment premiums. He has been removed from the (EFT) method of payment and will receive an invoice prior to the next installment amount due. We trust that this information is sufficient to allow you to close out the complaint for our Accounts Receivable Department. If you have any additional questions or concerns regarding this issue, please feel free to give me a call at ###-###-####, ext. ***. Sincerely, [redacted] Customer Advocate Centralized Services

May 5, class="InsideAddress"> Revdex.com OF METROPOLITAN WASHINGTON DC AND EASTERN PENNSYLVANIA K STNW , 10TH FLOOR WASHINGTON DC 20005- ATTN: [redacted] Re: Policy Number: [redacted] ID Number: [redacted] Re: [redacted] Dear ***: This is in response to your email of April 29, 2014, addressed to [redacted] of GEICO Your letter has been referred to me for response as the Emergency Road Service Department is my responsibility Our records show that on November 8, 2011, ** [redacted] went online at geico.com and removed Comprehensive, Collision, Emergency Road Service, and Rental Reimbursement coverage from his [redacted] On March 20, ** [redacted] called for assistance with a lockout when he inadvertently locked his keys in the [redacted] We reminded him that he had previously removed the coverage from this vehicle However, we would never leave any of our customers stranded without offering some form of assistance We offered to send one of our providers out to help him with the understanding that this would be an out of pocket expense On April 24, 2014, our Automobile Service Department spoke to ** [redacted] As an exception, they offered to back date, and re-add Emergency Road Service coverage to the [redacted] as of his last renewal, January 13, This would then allow us to reimburse him for the service rendered on March 20, ** [redacted] declined the offer to re-add the coverage Therefore, there will be no reimbursement We trust that this information is sufficient to allow you to close out the complaint for our Emergency Road Service Department If you have any additional questions or concerns regarding this issue, please feel free to give me a call at ###-###-####, ext*** Sincerely, [redacted] Customer Advocate Centralized Services

GEICO maintains the posistion as stated in the prior response It is the consumer's responsibility to be prepared with complete information when requasting a quote to add a vehicle All quotes given are approximate when a vehicle identification number is not provided It is also GEICO's practice to advise of such at the time of a quote