Geico Corporation

[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: 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 reportedThere is absolutely no advantage for me to misrepresent this collision as non movement since I am insured whether moving or stationaryAt 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 testimony or incompetent testimony as a collision "expert" Regards, [redacted] ***

August 8, Dear [redacted] ***:Thank you for your August 7, e-mail regarding [redacted] ’s complaintMrN [redacted] asked that I respond on his behalf and I welcome the opportunity.GEICO’s standard business practice is to not knowingly sell a policy to someone who owes us earned premium on a previous policy unless we collect the earned premium [redacted] owed us earned premium and he approved the payment of the earned premium at the time he purchased the new policy via the internetWe do not collect a premium of any type without providing a full explanation or without the consent of the person making the paymentIt was [redacted] ’s responsibility to thoroughly read the documents we provided on the internet prior to signing themHe had the option of closing out of the application, not paying the earned premium, and thereby, not purchasing the new policy.GEICO does not use premise or trick anyone into paying any type of premiums [redacted] can call our twenty-four hour Customer Service Department at ###-###-#### to get copies of previous billing and cancellation notice(s) we mailed to him regarding the money he owed for coverage we provided him.I hope this information has been helpfulPlease contact my associate, Mel D***, at ###-###-####, extension ***, if you have further questions regarding this matter.Sincerely,Carole *C [redacted] Policyholder Relations Supervisor GEICO Insurance Companies

[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: The responder has failed to address the fact that this is an entirely different claim for an entirely different lossAt the time of the previous claim they took pictures and assessed the lossThis time they took pictures again and should be able to assess loss from this claim aloneThey should be able to provide a different assessment for each loss and not simply back out what they paid me on the previous claim regardless of whether I got the repairs from that loss or notI want them to assess the extent of my loss from the most recent claim only and pay me accordingly without any reference to a claim two years agoI want to be able to repair my vehicle for damages sustained on April 3, rather than damages sustained two years ago I hope that they will understand my position and see that I am correct Thanks, [redacted] *** [redacted] Regards, [redacted] ***

March 27, Dear [redacted] ***: Thank you for your correspondence of March 13, regarding [redacted] ***’s claimWe learned of [redacted] ***’s concerns one day after the filing of this complaintSince that time, we have contacted [redacted] and apologized for any misunderstanding in the handling of her claim.In addition, we have addressed all of [redacted] ***’s concerns, including extending additional rental vehicle coverage.At this time, we have resolved all of [redacted] ***'s concerns and she is completely satisfied with the outcomeIf you have any further questions, please feel free to contact Eli R***, Auto Damage Manager, at ###-###-####Very Truly Yours, George R Regional Vice President

April 30, 2014Dear [redacted] ***:Thank you for your inquiry of April 27, 2014.On January 8, 2014, we learned that a [redacted] belonging to our policyholder, ** [redacted] , had been damaged by vandalismOn January 9, 2014, our Auto Damage Adjuster, [redacted] , inspected ** [redacted] s vehicle and prepared an estimate of visible damages** [redacted] authorized a direct billed rental vehicle through [redacted] Car Rental through January 17, 2014, the expected completion date of ** [redacted] s repairsUpon completion of repairs, ** [redacted] was contacted and advised that he could retrieve his vehicle on January 17, As ** [redacted] notes in his correspondence with your office, he was unable to pick up his vehicle until January 20, 2014.We agree that we should have authorized ** [redacted] s rental vehicle until January 20, and sincerely apologize for not doing so or addressing his concerns earlierWe are issuing payment for ** [redacted] s out of pocket rental expenses.We believe this matter is now resolvedShould you have any additional questions, please contact our Auto Damage Manager, [redacted] , at ###-###-####.Sincerely,

July 29, 2014To Whom It May Concern:This letter is in response to the customer complaint dated July 21, and received in our office July 23, for [redacted] ***To address the specific concerns in the complaint, we have completed a review of the GEICO Commercial Auto insurance policy.The nature of [redacted] complaint was the delay in processing returned funds due to an overpayment made through [redacted] Bank via their Bill Payer systemAn overpayment was made through Bill Payer in the amount of $94,23,GEICO Commercial’s Accounts Receivable department researched this issue beginning in April of and advised that this was not a refund check from GEICO, but a memo regarding the overpayment on her Commercial auto policyGEICO advised at that time that [redacted] Bank would be responsible for returning the funds, but if [redacted] could provide a copy of the back of the memo that it could be researched further to see if this was ever cashed by GEICO.As of July 2014, the insured has been given the phone number to [redacted] Bank to discuss returning funds to her account as it appears that GEICO has neither cashed the check nor applied the funds in the amount of $94,23.Should you have any additional questions or concerns, please contact my associate Ryan O [redacted] at ###-###-#### during the hours of 9:a.mand 5:p.mEastern Standard Time.Sincerely,Nathan D [redacted] Manager, GEICO Commercial

[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 want them to issue a credit of to my credit card company Regards, [redacted]

July 17, Dear [redacted] ***:This will acknowledge receipt of your July 15, follow up inquiry regarding the above referenced private passenger automobile insurance policyOur records indicate that the complainant contacted GEICO via telephone on June 5, and requested to cancel the above policy with an effective date of June 18, The policy was cancelled as requested, and the complainant was provided with written confirmationOur company subsequently received a faxed request on June 17, from a representative of [redacted] Insurance Company to cancel the policy with an effective date of June 17, As per the written request, the policy cancellation date was then adjusted to June 17, 2014, and the applicable pro rata premium refund of $was issued to the insured on June 18, Enclosed is a copy of the faxed request dated June 17, 2014.There is no indication that any error occurred on GEICOs part regarding the above transactionsOur records also show that our company sent the required notification to the New York State Department of Motor Vehicles on June 18, in a timely manner as required by lawGEICO has no control over any reporting delays that may have occurred with the complainants new carrierEnclosed are copies of the three proof of coverage letters that were requested by the complainant.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,

[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: nothing has been justified and nothing has been doneI am not sure GEICO and it's affiliates understand the severity of what has happenedThere is a claim on my record that I have to explain to any insurance company I may do business with in the futureGEICO negligently took a claim on my account and proceeded to process things when I found out what had happenedI was never given a phone call to verify that it was the correct person identifiedI WAS NOT INVOLVED, WHICH IS ONLY PART OF THE ISSUE! The other is that, a claims representative whom Geico has employed did not follow proper procedures I am sure of that! There are thousands of name sharing individuals in this world and GEICO should have done a verification process to initiate such claims on my behalf! GEICO has absolutely disgusted me and my family at their actions and lack their of with thisI am faced with the thoughts of legal action if this is not rectified PROPERLY! Not just coded! It's not my fault, it never was, nor is it [redacted] for putting in a claimHE didn't have any verifying information, he had the NAME: [redacted] ***(NO 'H' on her name) and that she carried GEICO insuranceThat was the only information he had available! So therefore GEICO should have verified! I have tried several times to contact ** [redacted] and have been unsuccessful he returned my call ONE TIME! I called and left at least different messagesDo not tell me to contact the same person I have tried to contact over and over! NEXT PLEASE! This is absolutely disgusting the way GEICO IS HANDLING IT'S faultsI want this fixed! ALL OF IT! Regards, [redacted] ***

From: [redacted] ***" < [redacted] >To: [email protected]: [redacted] ***" < [redacted] >Sent: Thursday, August 14, 1:39:PMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] Addendum [redacted] 8/12/ Dear Sir, Please be advised that new information has been brought to my attention by another paid investigator by meWhen Geico Insurance sent Investigator , for Geico, MsKaren H [redacted] ,cell # ###-###-#### to the auto repair shop on or about June 10, she actually said at that time that "this claim for [redacted] will not be paid at all." I find that very interesting due to the fact that she did not start her investigation nor did she take my taped statement nor the statements from my cousin and his older sister Joanne who were privy to the incident and lived approximately there doors dow the street from where the incident took placeThis to me reeks of fraud as well as , "BAD FAITH" on the part of Geico Insurance CompanyTheir malfeasance and wrongdoing, stalling tactics, and discrimination are obvious and contentiousYes, I intend to do everything to attempt to adjudicate this claim and know that it will be determined by the wrong doing on behalf of Geico Insurance Company that I will be vindicatedTheir systematic, stalling techniques, malfeasance and "BAD FAITH" will be brought to light Respectfully yours, [redacted] ###-###-####

[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: Of course your agent did not disclose that you were required to apply a short rate fee when cancelling the serviceThat may have played a difference in the outcomeI will pursue this with the Attorney GeneralBecause you should have the taped recording of your representative advising of the steps to take to cancel my serviceAlso when the request was made online, your response team mentioned nothing of the sortYou're defrauding customer and I will file a complaint about Geico not advising of this until AFTER a cancellationThe pure fact that your agents refused to answer my question about the billing cycle is just cause as to WHY you are refusing to disclose this until AFTER the cancellationThis is not the end of this and I will NOT pay Geico any more than what is owedI welcome you to do the right thing, since it was your companies failure to disclose IMPORTANT information, and DID NOT! Regards, [redacted]

May 27, 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] and [redacted] Dear ***: 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 ***’s GEICO automobile policy was non-renewed effective May 24, 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, The year/100,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, 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*** Sincerely, [redacted] Customer Advocate Centralized Services

June 20, Roman" size="3"> [redacted] Revdex.com of Metro Washington DC & Eastern Pennsylvania K StNW, 10th floor Washington DC 20005- VIA FACSIMILE: ###-###-#### RE: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC: ***-GEICO General Dear Ms [redacted] : Thank you for your recent inquiry dated June 13, I welcome the opportunity to discuss Mrs [redacted] ’s automobile policy concerns On December 4, 2015, Mrs [redacted] contacted GEICO to add a [redacted] to the policyMrs [redacted] also advised that she and her husband were permanently living in Tennessee but still had a home in Louisiana as wellAt that time, the address was updated to the Tennessee address and the [redacted] was added to the policyMrs [redacted] advised that they [redacted] would remain registered in Louisiana and the [redacted] would be registered in TennesseeShe also requested that all mail still go to the Louisiana addressThe policy was updated as requested On February 22, 2016, Mrs [redacted] contacted GEICO and advised that the state of Louisiana needed proof of coverage for the ***The agent emailed the insurance binder for the [redacted] to Mrs [redacted] as requestedThe agent also advised Mrs [redacted] that the [redacted] would need to be re-registered in the state of Tennessee since it was now her permanent address On March 3, 2016, Mrs [redacted] contacted GEICO and advised that the [redacted] was now registered in the state of TennesseeShe also requested to change the mailing address to the Tennessee addressThe policy was updated as Mrs [redacted] requested On June 13, 2016, Mrs [redacted] contacted GEICO due to Mr [redacted] ’s Louisiana license being suspended due to a lapse in coverage on his [redacted] effective December 5, GEICO updated the Louisiana database to show continuous coverage for the [redacted] as GEICO does not indicate any lapse in coverage effective December 5, On June 17, 2016, Chelsea G [redacted] contacted Mrs [redacted] in reference to the fines on Mr [redacted] ’s licenseMrs [redacted] advised that she had not yet paid the fines that her husband is just unable to receive a Tennessee licenseMsG [redacted] emailed Mrs [redacted] the attached letter providing proof that Mr [redacted] had continuous coverage on the [redacted] from December 5, until February 29, MsG [redacted] also advised Mrs [redacted] that the Louisiana database updates would be processed on June 22, 2016, as the updates only process each Wednesday We apologize for any inconvenience and frustration this has caused Mrand Mrs [redacted] and hope this information will assist you in resolving this issueIf additional information is required, please contact Chelsea G [redacted] at ###-###-#### Her office hours are Monday through Friday, 8:a.mto 4:p.mEST Sincerely, Brandon T [redacted] Underwriting Manager Enclosure: Out of Force Letter Tell us why here

April 4, New Roman"> [redacted] Revdex.com s st nw 10th floor washington dc 20005- Claim Number: [redacted] Insured: [redacted] Date of Loss: February 12, Complainant: [redacted] Case Number: [redacted] Dear ***: We received your letter of March 28, This loss involved damages to the rear bumper of ***’s vehicle After the initial repairs were completed, ** [redacted] took her vehicle to the [redacted] service center The shop replaced a missing wheel weight on the right front wheel, a piece of plastic trim on the driver’s seat, and the small antenna on the roof Upon notice of these repairs, we contacted the service department in an effort to inspect the damaged items The shop advised these items were disposed of We have reviewed the loss description, the repairs to ***’s vehicle, and the items ** [redacted] paid [redacted] to replace for which she is requesting reimbursementThese items were not in the area of damage caused by our insured, and cannot be related to this loss ** [redacted] contends that these items were damaged by [redacted] while her vehicle was being repaired We have spoken with the management at [redacted] and their employees The shop has denied damaging these items We have found nothing to support ***’s contention that these damages occurred while the vehicle was under repair at [redacted] Since these items cannot be related to this loss, or the responsibility of [redacted] , we are unable to reimburse ** [redacted] for these expenses Please contact Britt Carter, North Carolina Auto Damage Manager, at ###-###-#### if you have any further questions Sincerely, [redacted] * [redacted] Virginia Beach Regional Office Government Employees Insurance Company NAIC # ***

April 4, Dear ***,We received your follcorrespondence dated March 31, 2014, regarding the above-noted complaintWe regret that our insured rejected our responseWe attempted to contact our insured by telephone; however, we were again unsuccessfulWe have not included any personal identifying information in our response as you requested.As we noted in our prior letter, our insured did not disclose that her daughter lived in her household in her online quotesWe first became aware of our insured’s daughter through an information service we use to identify undisclosed household membersWe sent a letter and an e-mail requesting more information on our insured’s daughter on March 5, 2013, and we added her daughter when our insured called us in response on March 12,2013.Our insured’s premium increased approximately $per month due to the addition of her daughterWe also informed our insured that she has the option to reduce her six-month premium by $if she completes a Defensive Driver Course.Our position remains that we are unable to return our insured’s premium to her original quote, which did not include her daughterWe trust this information is sufficient to allow you to close your filePlease call [redacted] , Customer Service Director, at ###-###-####, if you have any further questions.Sincerely,

July 21, 2014> Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th floor P.OBox Washington, DC 20005- Attention: [redacted] RE: CASE NUMBER: [redacted] COMPLAINANT: [redacted] INSURED: [redacted] CLAIM NUMBER: [redacted] POLICY NUMBER: [redacted] DATE OF LOSS: June 24, COMPANY: GEICO Advantage Insurance Company Dear Sir or Maddam: Thank you for your letter of concern regarding the fair value of [redacted] ’s [redacted] that was deemed a total loss due to an accident that occurred on June 24, On June 26, 2014, GEICO adjuster [redacted] inspected ** [redacted] ’s vehicle, and determined the vehicle to be a total loss We obtained a market analysis which established a post-tax value of $13, ** [redacted] immediately disputed the value, and stated that he needed $15,to purchase a new vehicle On July 3, 2014, ** [redacted] submitted a request demanding a settlement amount to purchase a replacement vehicle, rather than the actual cash value of his current vehicleHe also requested consideration for the additional interest he will owe for a new vehicle and the maintenance that he had completed on his [redacted] *** ** [redacted] expressed his concerns with GEICO auto damage supervisor, [redacted] *** ** [redacted] agreed to inspect his vehicle and made the determination to revise two condition ratings in the insured’s favor which resulted in an adjustment of $An agreement was reached with ** [redacted] on July 16, If there are any additional questions, please feel free to contact Claims Manager [redacted] [redacted] at ###-###-#### Sincerely, [redacted] Assistant Vice President

April 30, Dear [redacted] ***:Thank you for your letter of April 12, 2014,On January 11, 2014, we learned that a [redacted] belonging to our policyholder, ** [redacted] , had been damaged by collisionWe asked ** [redacted] to obtain an estimate of damages from the shop of her choice and forward them to us for reviewOn February 24, 2014, we received two estimates from separate repair facilitiesThe first estimate noted minor damages to the vehicle’s fender and door in the amount of $The second estimate, from a separate mechanical shop, included replacement of the vehicles anti-lock brake module and two front strutsThe damages submitted by the mechanical shop did not appear to be related to the minor damages caused by this claimWe advised ** [redacted] of our determination and issued payment for the collision related repairs.We sincerely regret that ** [redacted] disagrees with our assessment of her claimWe particularly apologize for any problems ** [redacted] encountered while attempting to contact our associatesShould her repair facility find a causal link between the mechanical repairs and the collision loss ** [redacted] experienced, we will re-examine our position.Should you have any further questions about this matter, please contact our Auto Damage Manager, [redacted] , at ###-###-####.Sincerely,

Geico changes their price after you signed - sounds familiar? This time I made them promise it won't change and the rates are locked inguess what happenedI have had some issues in the past with Geico raising the price after the policy started (I'm sure not to be the only one), but I have to warn you all about this particular caseI am moving states, and was looking for home and car insurance as I was currently on a regional policyLong story short, I decided to go with Geico for auto, after 1-hours discussion with Eric Zon a recorded line as their rates were lower than what the competition offeredBecause of my past experience with Geico, I made sure we went together through my DMV records so we have a 100% accurate quoteWe did it twiceTo the point that he said "that will be your locked in rate, it cannot change"On a recorded lineHe called me almost everyday, urging me to sign up (my move is still month away), and at that point I was tired to shop around so I signed updays after I sign, the rate goes upI call Geico and they tell me that they found out there was a speeding ticket they didn't see during the quote - the same phrase I heard when I signed up for auto policy a while back with themI told them the situation and that we spent a few hours going through records ( I have speeding ticket and hit and run, really not that hard), and that they should check the recorded lineSupervisor said she will call me back within the hour after checking the recorded line - never diddays later, I call them back and now I get a supervisor (Leslie) telling me "well, it's still the best price you'll get, we have the right to change days after you sign up - so yah, nothing we can do - if you don't have anything else sir, bye." Ok - maybe she's rightAnd they're legally operatingBut they could obviously come back tomorrow and say "oh we found this other thing and your rate will go up again"Ethically, it's wrong in so many levelsBasically they'll under quote you to get rid of the competition and come up with the real price just after you sign - using the same phrase - "we didn't see you had that record when we did the quote"

July 7, New Roman"> [redacted] Revdex.com K ST NW 10TH FLOOR WASHINGTON DC 20005- Claim Number: [redacted] Insured: [redacted] Date of Loss: May 28, Complainant: [redacted] File Number: [redacted] Dear ***: We received your correspondence of July 3, The above loss was reported to GEICO on June 11, by our insured, [redacted] ** [redacted] also called to discuss a previously reported claim for a loss that occurred on September 6, We advised ** [redacted] of his coverage and that he would be responsible for paying his deductible for each claim since they were separate occurrences** [redacted] declined to file for the damages at that time ** [redacted] called June 30, to schedule an appointment for an estimate for the loss that occurred on September 6, We informed him of appointment options available July and July 12, Neither of those dates was convenient for ** [redacted] so we encouraged him to visit our website to review the available appointments and schedule an appointment accordinglyOn June 30, ** [redacted] scheduled his appointment for his estimate online He selected July 1, as his appointment date We have several options for locations and times for appointments and this information changes as customers reschedule or cancel appointments We hope this adequately responds to your inquiry Should you have any additional questions, please contact [redacted] , Claim Supervisor, at ###-###-#### Sincerely, [redacted] Virginia Beach Regional Office Government Employees Insurance Company NAIC #***

June 22, Dear [redacted] ***, We received your correspondence dated June 16, 2015, regarding the above-noted ConsumerWe have not included any personal identifying information in our response as you requestedWe have attempted to contact the policyholder; however, we were unsuccessful.Our Insured’s original policy canceled effective June 8, 2015, due to non-payment of premiumOn June 13, 2015, our Insured reissued her policy with a down payment of $We apologize but our calls are recorded for training purposes only and record at randomWe do not have the call from when our Insured contacted us.We have, however, made an exception to refund our Insured $if she enrolled in our monthly automatic payment planWe advised our Insured of the refund and she enrolled into automatic paymentsOur Insured has received her refund back to the card on fileWe trust this information is sufficient to allow you to close your filePlease call Russell W***, Customer Service Director, at [redacted] x***, if you have any further questionsVery Truly Yours, George RRegional Vice President