Geico Corporation

Please see the attached response.
Regional Office: [redacted] - Woodbury, NY [redacted]
December 3, 2015
Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania 1411 K St. NW, 10" Floor Washington, DC 20005-3404
Attention: [redacted]
Re: [redacted]
Case ID: [redacted]
Policy;#: [redacted]
Dear [redacted]:
This will acknowledge receipt of your December 3, 2015 follow up inquiry regarding the above referenced private passenger automobile insurance policy.
Please be advised that GEICO’s position on the matter remains unchanged. Policy paperwork is provided to the insured at every renewal, and after a requested change is made to the policy. The 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 eligible.
A 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 policy. The 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 territory. Ms. James is receiving the best rate that our company can offer her at this time based on her underwriting factors. There is no indication that she was ever overcharged by our company.
Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record.
If you require further assistance with this matter, please contact the undersigned at ###-###-####.
Very truly yours,
Brian O[redacted] Executive Office

July 15, 2014

class="InsideAddress"> 
Revdex.com OF METROPOLITAN WASHINGTON DC
         AND EASTERN PENNSYLVANIA                 
1411 K ST. NW
, 10TH FLOOR            
WASHINGTON DC  20005-3404
ATTN: [redacted]
            
Re: Policy Number: [redacted]
            ID Number: [redacted]
        Re: [redacted]
 
Dear **. [redacted]:   
 
This is in response to your email of July 10, 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 records show that the above listed policy is in the name of [redacted].  All policy documents and ID cards were mailed to him at his location, [redacted] Ohio.  He had previously designated his mother [redacted], permission to handle any aspect of his account. 
 
On April 19, 2014, **. [redacted] replaced his 2000 [redacted] with a 2011 [redacted].  This resulted in an increase in premium of $493.05.  As such, the recurring debit/credit card installment amount increased as well.  The remaining balance on the account as of April 28, 2014 was $793.95. This balance was broken down into two recurring credit/debit card payments. The first of which was withdrawn on June 2, 2014 in the amount of $534.30, with the remaining balance of $269.65 to be withdrawn on July 2, 2014. The policy must be paid in full by the expiration date of August 2, 2014.
 
The [redacted] payment was withdrawn as scheduled on June 2, 2014.  The payment was declined.  As is our standard procedure, we will attempt a second withdrawal four days later.  The second submission was processed on June 6, 2014, before **. [redacted] called to state that she was unaware of the withdrawal and wanted to stop it.  She stated that she would simply file a dispute for the payment with her financial institution.  From her complaint, we understand that they would not allow her to dispute the payment.  We respectfully submit that this is a matter that would have to be addressed by **. [redacted] and her bank.  As her son’s automobile insurance carrier, we are not responsible for any late fees for her rent.  We did however, remove the account from the recurring method of payment, to the direct invoice method of payment as she requested
 
On June 17, 2014, the final bill for the July 2, 2014 payment in the amount of $269.85 was sent.  On July 3, 2014 a cancellation notice was mailed to her son advising him that if the payment was not received by July 14, 2014 his policy would be cancelled for non-payment of premium.  To date, we have not received the payment.  We will allow three days for **. or **. [redacted] to make arrangements for a payment.  Otherwise, the policy will remain cancelled effective July 14, 2014.
 
We trust that this information is sufficient to allow you to close out this complaint.   If you have any additional questions or concerns regarding this issue, please feel free to give me a call at ###-###-####, ext. [redacted].
 
Sincerely,  
 
Barbara C[redacted]
Customer Advocate
Centralized Services

NOVEMBER 20, 2015Revdex.com OF METRO WASHINGTON DC & EASTERN PENNSYLVANIA 1411 K St. NW, 10th FloorWASHINGTON, DC 20005-3404Attn. [redacted]RE: COMPLAINT ID#. [redacted]COMPLAINANT [redacted] M. [redacted] OURCLAIM #: [redacted] OUR INSURED: [redacted]M. [redacted] LOSS Date: March...

11, 2015Dear Mr. [redacted],Thank you for your letter of inquiry dated November 13, 2015.On March 11, 2015 Mr. [redacted]'s vehicle incurred damage to both sides of his vehicle due to an intersectional side swipe in which the vehicle temporarily rolled up onto its side and then back to normal resting position.After completion of repairs in April 2015, according to Mr. [redacted] the vehicle was brought back to the body shop of choice twice to address an issue of condensation appearing on the carpets in the front of the vehicle. The body shop of choice advised both times that the issue was corrected.
On October 15, 2015 Mr. [redacted] called in advising that he was having trouble with his vehicle and had the vehicle towed to a different shop of choice. The second shop advised Mr. [redacted] that the reason his vehicle had stalled was due to a crack in the transmission cooler. Mr. [redacted] authorized the replacement of the part and once repairs were completed he made contacted our Auto Damage Supervisor, Curtis E[redacted] to request reimbursement for the repair.
The transmission cooler is located in the frontend of the vehicle and is a part of a closed tubular metal system. This cooler could not have been damaged as a result of the original accident on March 11, 2015 as the damage from that accident was contained to the sides of the Vehicle. Based on the time lapse from initial accident to now, and the location of the transmission cooler this damage could not have been form the original accident. We have advised Mr. [redacted] that we cannot reimburse him for the transmission cooler repair as it is not related to the original accident.
\lf any additional information is needed please contact Jenna W[redacted], Consumer Relations Administrator at ###-###-#### or [redacted].Sincerely,Pionne C[redacted]
Assistant Vice President

Last night while driving on the freeway I had a tire blow out... called Geico thinking that they could help me and my small children get off the freeway at NIGHT... the agent took her time taking the information and asked the same questions twice... then informed me there was nothing she could do because I did not have emergency roadside.... I pleaded for her to just call someone to me even the police at this point and she kept saying that she could not assist me... I've worked in roadside assistance and my goal was always the safety of the caller regardless of coverage.... I was on the side of a busy freeway and she didn't want to dispatch the police... I am very disappointed in the customer service I've received and will be calling to switch companies IMMEDIATELY!

Having my vehicles insured with Geico I thought I was very happy until I had to recently sell one vehicle and cancel the insurance policy. After watching my bank account to verify their refunding my monthly payment of $42.00 the refund never arrived which should have been an almost instantaneous transaction the same as it is when it is collected from my bank to Geico to make payment. After several calls to them to see why refund was not made they informed me that they keep the money for 5 to 10 business days then schedule a refund date. To make a long story with lots of disappointing information from Geico as well as being laughed at from an employee proudly giving and spelling her name "Crystal V[redacted]" as to her ability to withhold money at will from a customer I have decided to remove my second vehicle from their insurance coverage also. I had the 2nd vehicle scheduled for cancellation due to Geico's strange practice of withholding refunds that should be done instantly and called them today as I was reconsidering my cancelling the policy with Geico as I have been happy with them and never had issues. Crystal definitely made up my mind for me and I will cancel my policies with Geico indefinitely. I also feel Geico owes me my refund of the $42.00 and $500.00 for my troubles of several calls to them wondering why my money was not transferred to my bank only to find out they keep it for whatever reason as well as being ridiculed and laughed at by Crystal. An employee that has control over customer funds and is very proud of it can usually be a very costly employee to a company. She did say "have a nice day" while she was laughing right after saying she MIGHT schedule a refund for the 22nd of October. My being a DOT Specialist "DOT ID [redacted]" also with Safety "MC-242464" I have sent a few thousand customers to this company over the years. I may have made a mistake.

July 2, 2014
Dear [redacted]:This is in response to your correspondence received in our Washington, D.C. Executive Offices. It was referred to the [redacted], TX Regional Office for a reply.To summarize our responses dated June 16, 2014 and June 24, 2014, [redacted]s GEICO General policy cancelled due to non-payment of premium effective May 31, 2014. However, coverage was only paid for until May 13, 2014. The premium balance of $241.05 is for coverage provided from May 13, 2014 until May 31, 2014.In order to reduce or eliminate the premium balance, [redacted] can forward proof of other coverage effective prior to May 31, 2014 for [redacted] and effective prior to May 28, 2014 for [redacted].We trust this information will allow you to close your file.If you need additional information please contact [redacted] by telephone at [redacted] extension [redacted] from 8:00 am to 4:30 pm CST or by email at [redacted].

March 13, 2014
Dear [redacted]:
Thank you for your letter of March 8,2014, regarding **. [redacted]’s claim.
The accident occurred on August 23, 2013 at 1:36 p.m. on [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 **. [redacted]’s vehicle and a city bus which was stopped in the right lane. The 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 **. [redacted]’s vehicle causing him to swerve and impact the two vehicles. As 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].
[redacted] August 23, 2013
Very truly yours,

[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: 11178913
I am rejecting this response because:
Geico has employed a collision "expert" who has mis-diagnosed an old scratch that clearly occurred years ago with fresh damage which I have reported. There is absolutely no advantage for me to misrepresent this collision as non movement since I am insured whether moving or stationary. At this point I find Geico not to be objective with my claim and their next step as a resolution is to bring their own investigator in and their own court reporter in to swear in only me but who is to examine their testimony and findings objectively?, themselves? I request a third party to examine this case.
 
If this is not possible then  I am requesting this case be adjudicated in a civil court where their investigator also has to testify and I will present my expert from Don Valens auto Body shop, Clovis, CA who will discredit Geico's investigators finding as either false testimony or incompetent testimony as a collision "expert"
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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. 
Regards,
[redacted]

July 7, 2014
Dear **. [redacted]:Thank you for your letter of inquiry dated June 28, 2014.This loss was reported to us on May 8, 2014 by [redacted]. **. [redacted] reported that while traveling on [redacted]. he had rear ended another car.On May 9, 2014, we spoke to...

**. [redacted] and explained that he did not carry rental coverage on his policy. We explained to **. [redacted] that [redacted] often offers discounts to our customers.Upon receipt of this complaint, Supervisor [redacted] spoke with **. [redacted] on July 1, 2014 and explained that we would not be able to pay the collision damage waiver through [redacted]. After speaking to **. [redacted], **. [redacted] called [redacted] to find out the fees incurred to see if there could be a reduction by [redacted] to help assist **. [redacted]. The branch manager at [redacted] confirmed that collision damage waiver fee for **. [redacted]’s rental was originally in the amount of $185.78. [redacted] as a courtesy reduced the collision damage waiver by $169.90 to cover almost the full amount of charges.

September 7, 2016Revdex.comAttn: [redacted]1411 K St. NW, 10th FloorWashington, D.C.  20005-3404Re:   Customer Name: [redacted]        ...

Case Number: [redacted] GEICO County Mutual Auto Insurance Company Policy Number: [redacted]Dear Ms. [redacted]:This is in response to your correspondence received in our Washington, D.C. Executive Offices.  It was referred to the Richardson, TX Regional Office for a reply.We regret Mr. [redacted] is dissatisfied with our payment plan options.  Our Consumer Relations Analyst, Marie B[redacted], called and spoke with Mr. [redacted] on September 7, 2016.  Ms. B[redacted] advised Mr. [redacted] multiple payment plans are available and offered to review the policy and billing options.   Mr. [redacted] advised he was limited on time.  Ms. B[redacted] advised Mr. [redacted] to return the call when he was able to discuss the policy.Ms. B[redacted] advised Mr. [redacted] a change to the payment plan may impact the policy paid-to-date and may require an additional payment.  Mr. [redacted] requested the full premium be refunded due to his dissatisfaction regarding the payment plan and overall customer service.  Ms. B[redacted] apologized for any poor customer service he may have received.  She informed Mr. [redacted] we are unable to refund the premium, or service charges, for the past 6-month policy term as coverage was provided.  Mr. [redacted] stated his policy was to remain in force.Mr. [redacted] called and spoke with a Customer Service representative, on August 30, 2016.  The representative provided Mr. [redacted] with a policy and billing review.  The automatic payment plans are true monthly installment plans while the direct invoice options require a one-month paid in advance status.   The billing methods, with the exception of the one-payment plan, have an associated installment service charge.  A policy review indicates Mr. [redacted]’ payment plan was changed multiple times over the duration of his policy.  The policy paid-to-date was adjusted each time the payment plan was changed.  We look forward to serving Mr. [redacted]’ insurance needs for many years to come.If you need additional information, please contact Patti K[redacted] by telephone at ###-###-####, from 8:00 am to 4:30 pm CST, or by email at [redacted].Sincerely,Matthew Z[redacted]Assistant Vice PresidentCc:   [redacted] Cedar Park TX  78613-2405

July 9, 2014
Dear [redacted]:This will acknowledge receipt of your July 3, 2014 inquiry regarding the above referenced private passenger automobile insurance policy.Our records indicate that the above policy was cancelled on June 17, 2014 as per the insureds request, and the...

requested proof of coverage letters were provided on June 25, 2014 and June 27, 2014 respectively. Enclosed are copies of the two letters that were sent to the supplied email addresses.Since there appears to be no valid complaint against GEICO, we ask that this be removed from our record.If you require further assistance with this matter, please contact the undersigned at [redacted].Very truly yours,

June 16, 2014
0in 0in 0pt" class="**oNoSpacing"> 
 
Revdex.com
Attn: [redacted]
1411 K St. NW, 10th Floor
Washington, D.C.  20005-3404
 
 
Re:       [redacted]
            Case No. [redacted]
 
 
Dear **. [redacted]:
 
This is in response to your correspondence received in our Washington, D.C. Executive Offices.  It was referred to the [redacted], TX Regional Office for a reply.
 
On May 7, 2014, **. [redacted] utilized the GEICO Internet Customer Service Unit to request a quote to add her domestic partner, [redacted] and his vehicle (copy enclosed).  Since the policy automatically extends to household members and regular operators of the listed vehicles, **. [redacted] was added as a driver effective May 8, 2014.  The adjusted six-month premium was $2,686.10 to include **. [redacted] (copy enclosed).  The adjustment changed the monthly installment from $78.89 to $536.52 beginning June 6, 2014 (copy enclosed)
 
On May 27, 2014, **. [redacted] used the GEICO Internet Customer Service Unit and requested the removal of [redacted] from the policy.  GEICO advised **. [redacted] due to **. [redacted]’s driving record, we would need proof of other insurance prior to removing him (copy enclosed). 
 
On May 27, 2014, the monthly Electronic Funds Transfer Bill Notification was sent indicating the amount of $536.52 would be automatically deducted on June 6, 2014 (copy enclosed).
 
On May 28, 2014, GEICO received proof of other insurance, effective May 28, 2014, for **. [redacted] and his1998 [redacted].  He was removed from **. [redacted]’s policy effective May 28, 2014 and the six-month premium was adjusted to $467.30 (copy enclosed).
 
On May 29, 2014, the monthly Electronic Funds Transfer Bill Notification was sent indicating the policy change and the revised monthly installment of $142.68 due June 6, 2014 (copy enclosed).
 
On May 30, 2014, **. [redacted] called the GEICO Customer Service Department to cancel her policy effective May 31, 2014.  However, coverage was only paid for until May 13, 2014.  The premium balance of $241.05 is for coverage provided for **. [redacted] from May 13, 2014 until May 31, 2014 and for **. [redacted] from May 8, 2014 until May 28, 2014.
 
In order to reduce or eliminate the premium balance, **. [redacted] can forward proof of other coverage effective before May 31, 2014 for **. [redacted] and effective before May 28, 2014 for **. [redacted].
 
If you need additional information please contact [redacted] by telephone at ###-###-#### from 8:00 am to 4:30 pm CST or by email at [redacted].
 
Sincerely,
 
 
 
[redacted]
Assistant Vice President
 
Enclosures
 
Cc:       [redacted]
            [redacted]
            [redacted]

6">                                     ...⇄                                             ...⇄ April 22, 2014
 
 
[redacted]
Revdex.com of Metro
WashingtonDC & Eastern Pennsylvania
1411 K St. NW, 10th floor
WashingtonDC20005-3404
 
VIA FACSIMILE: [redacted]
 
RE:                               [redacted]
Insured:                        [redacted]
Policy Number:            [redacted]
NAIC:                          [redacted]-GEICO Indemnity
 
Dear **. [redacted]:
 
Thank you for your recent inquiry dated April 14, 2014.  I welcome the opportunity to respond to **. [redacted]’ automobile insurance policy concerns.
 
**. [redacted]’ policy was reissued effective February 9, 2014 with Uninsured Motorists coverage rejected.  In order to reject this coverage, a Georgia Information and Option Form must be signed and returned.
 
When **. [redacted] did not return the required option form, Uninsured Motorists coverage was added to equal his Bodily Injury and Property Damage limits.  This adjustment was made effective February 9, 2014 and resulted in a premium increase of $138.80. 
 
On March 29, 2014, a Recurring Card Payment Notification was mailed to **. [redacted] indicating a payment of $180.91 would be automatically charged to his debit/credit card on April 9, 2014.  I have attached a copy of this notification for your review.
 
**. [redacted] completed the Uninsured Motorists Coverage Form online on April 9, 2014 and Uninsured Motorists coverage was rejected from his policy effective April 10, 2014.  This resulted in a decrease in premium of $92.86.
 
I hope this information will assist you in resolving this matter.  If additional information is required, please contact [redacted] at ###-###-#### or via email at [redacted].  Her office hours are Monday through Friday, 8:00 a.m. to 4:30 p.m. EST.
 
Sincerely,
 
[redacted]
Underwriting Vice President 
 
Enclosure:  [redacted]

May 27, 2014

class="InsideAddress"> 
Revdex.com OF METROPOLITAN WASHINGTON DC
         AND EASTERN PENNSYLVANIA                 
1411 K ST. NW
, 10TH FLOOR            
WASHINGTON DC  20005-3404
ATTN: [redacted]
            
Re: Policy Number: [redacted]
            ID Number: [redacted]
        Re: [redacted] and [redacted]
 
 
Dear **. [redacted]:   
 
This is in response to your email of May 22, 2014, addressed to [redacted] of GEICO.  Your letter has been referred to me for response as the Mechanical Breakdown Department is my responsibility.  
 
Our records show that **. and [redacted]’s GEICO automobile policy was non-renewed effective May 24, 2014.  Mechanical Breakdown Coverage is not a stand-alone coverage.  It is a part of the automobile policy.  All coverage provided by the policy was terminated on May 24, 2014.  The 7 year/100,000 mile expiration is only applicable as long as the automobile policy remains in force. 
 
There will be no reimbursement of premiums paid since all coverage, including Mechanical Breakdown Coverage, was in force until the May 25, 2014 termination. 
 
We trust that this information is sufficient to allow you to close out this complaint.  If you have any additional questions or concerns regarding this issue, please feel free to give me a call at ###-###-####, ext. [redacted].
 
Sincerely,  
 
[redacted]
Customer Advocate
Centralized Services

face="Arial">June 20, 2014
 
[redacted]
Revdex.com
1411 K St. NW, 10th Floor
Washington, DC 20005-3404
 
Re:      ID Number:                 [redacted]
            Complainant:               [redacted]
            Claim Number:           [redacted]
            Company:                   GEICO Indemnity
 
 
Dear **. [redacted]:
 
Thank you for your inquiry of June 14, 2014.
 
On April 8, 2014, we learned that a 2010 [redacted] belonging to our policyholder, **. [redacted], had been damaged while hitting ice on the roadway.  We requested that **. [redacted] obtain an estimate and photographs of his vehicle’s damage and submit them to us for review and payment. 
 
Unfortunately, we had no further contact with **. [redacted] until May 7, 2014.  We advised **. [redacted] at that time that we had not yet received the estimate and photographs of his damages.  We received the necessary paperwork from **. [redacted]’s repair facility on May 30, 2014.  We issued payment for **. [redacted]’s damages on June 19, 2014. 
 
We sincerely apologize for the delays **. [redacted] experienced during our handling of his claim.  We particularly regret any failures on our part to promptly answer his inquiries or return his calls.  We trust that this matter is now resolved and are prepared to assist **. [redacted] with any additional problems he may have.  Should you have any further questions, please contact our Auto Damage Manager, [redacted], at ###-###-####.
 
Sincerely,
 
 
[redacted]
Auto Damage Director

[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:  There is no explanation as to why Geico over doubled my sixth month premium, from $463.24 to $939.78, and renewed my contract before the previous sixth month contract that was paid in full was completed.  Stating that the rates are higher in the rural area in Georgia that I moved to is inaccurate information.  I worked with a broker that found a sixth month premium with the exact coverage for less than my original six month premium from Geico (less than the $463.24 for sixth months).  
I did receive a call and a voicemail from [redacted] on September 16, 2014.  She stated that she received the complaint from the Revdex.com and would be responding.  She also apologized that a manager never returned my previous calls.I still feel that I should be refunded the $76.37 that Geico overcharged me.  My sixth month premium was paid in full and the rates should have decreased, not increased, from my move from [redacted], Ohio to [redacted], Georgia.
Regards,
[redacted]

May 12, 2014
Dear [redacted]:We received correspondence from the Revdex.com (Revdex.com) requesting additional assistance on your behalf. I welcome the opportunity to respond.I would like to take this occasion to clarify for you our procedure in collecting an unpaid balance. Our practice is to attempt to collect all monies owed to GEICO. Our records reflect that your policy cancelled for nonpayment effective 01/31/14. At that time you had only paid for insurance to 01/11/14. Consequently, this cancellation resulted in a remaining balance due on your account in the amount of $54.56 for coverage we provided from 01/11/14 to 1/31/14. A Balance Due on Cancelled Policy notice in this amount was sent on 02/04/14. When the amount owed was not received, two additional letters requesting payment of the remaining balance due were sent; one on 02/25/14 and the other on 03/18/14; the second of which advised that if the payment was not received, your account would be referred to Credit Collection Services. Our records do not reflect an attempt on your part to contact GEICO to work out a payment arrangement prior to your account being forwarded to Credit Collection Services.Please note that all collection efforts will cease upon receipt of the $54.56 remaining balance due.[redacted], I hope this has been helpful in understanding the balance remaining on your policy and the reason for your account being referred to collections. If you have additional questions, please call our Compliance Analyst,. [redacted], at ###-###-####, extension [redacted].Sincerely

Roman','serif'; FONT-SIZE: 12pt; **o-bidi-font-weight: bold">April 16, 2014
 
[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 April 12, 2014 correspondence.  **. [redacted] and his spouse [redacted] are insured under a homeowner policy written through [redacted] for a twelve month term from April 30, 2013 to April 30, 2014.   
 
On March 17, 2014, **. [redacted] purchased the above auto policy to be effective March 18, 2014.   The policy was issued for a six-month term for March 18, 2014 to September 18, 2014.  We ceased writing twelve month auto policies in Wisconsin on May 3, 1988.  The billing schedule issued to **. [redacted] on April 4, 2014 is a monthly payment plan with an installment of $60.76 due April 18, 2014, May 18, 2014, June 18, 2014 and July 18, 2014.
 
We stress the importance of providing the correct information to our customers.  We regret if there was a miscommunication that occurred between **. [redacted] and our sales agent.  Unfortunately, our system does not allow us to issue a twelve month policy however after six months we will be happy to review **. [redacted]’s policy for another six month renewal to ensure there is no lapse in coverage.  Also, **. [redacted] can select alternate pay plans which include a one, two, three, four or five payment plan.  A copy of our payment and option plans was included with the billing schedule issued on April 4, 2014.  However, the 6 month premium of $297.39 is the most appropriate rate we can offer **. [redacted] at this time. 
 
 
If additional information is needed to close your file, please contact Bertha Bond at ###-###-#### or [redacted].
  
Sincerely,
 
[redacted]
Assistant Vice President

transparent;">This will acknowledge receipt of your request regarding the above named insured’s private passenger automobile policy.
In Mr. [redacted]’s correspondence to your organization he expresses concern regarding an increase in his automobile insurance policy premium after the policy was quoted and bound. He has requested that the premium be reduced to match his initial quote.
GEICO’s records show that Mr. [redacted] purchased the policy in question on June 27, 2016 to be effective June 29, 2016. The policy was bound and purchased with a six month premium of $511.50. Mr. [redacted] scheduled a one-time payment of $90.25 to be processed on June 28, 2016 via his [redacted] Credit Card.
On June 28, 2016, an attempt was made to extract the scheduled payment of $90.25 and was declined by Mr. [redacted]’s financial institution. As a result of the declined payment, the policy was cancelled null and void.
On June 30, 2016, Mr. [redacted] contacted GEICO and reissued the policy with a lapse in coverage to be effective July 1, 2016. Upon reissue, the lapse in coverage was taken into consideration per GEICO’s filed and approved underwriting guidelines causing a change in tier placement and subsequent increase in premium. The policy was reissued with a six month premium of $728.00. Mr. [redacted] made a payment of $126.34 to bind the policy.
It is GEICO’s position that all proper procedures were followed in the handling of the policy in question. While we understand Mr. [redacted]’s concern regarding the difference in quoted premiums, GEICO maintains that the increase in premium is within all underwriting/rating rules and guidelines as filed and approved by the Massachusetts Division of Insurance.
If you have any questions, or if GEICO can be of any further service in this matter, please contact Ms. F[redacted] at ###-###-####.
Sincerely,
Timothy L[redacted]
Assistant Vice President of Underwriting