Geico Corporation

June 12, 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: March 29, COMPANY: GEICO Advantage Insurance Company NAIC: *** Dear ***: [redacted] reported this loss on March 29, ** [redacted] advised his Nissan Frontier had been vandalized On March 30, 2014, ** [redacted] was contacted by an adjuster to further discuss his claimHe advised his vehicle had not been damaged, but his personal items were stolen from inside ** [redacted] was informed he had Comprehensive coverage on his policy, which would cover up to $in personal effects, once his $deductible had been met ** [redacted] was also advised he would need to produce receipts for the stolen itemsWe left voice mail messages for ** [redacted] on April 27, and May 6, 2014, in an attempt secure receipts for the missing itemsOn May 6, 2014, a letter was sent to ** [redacted] stating the claim would be closed unless he contacted our office within days from receipt of the letterOn May 21, 2014, we improperly informed ** [redacted] to schedule an appointment to meet with an auto damage adjuster On May 28, 2014, ** [redacted] contacted our office after meeting with the auto damage adjuster** [redacted] spoke with Claims Supervisor [redacted] and was improperly informed the personal effects claim would not be covered under his policy, since his vehicle did not have any physical damageAfter speaking with ***, ** [redacted] spoke with Claims Manager [redacted] and confirmed ***’s claim would be a covered loss under his policyOn May 29, 2014, a payment in the amount of $was issued to ** [redacted] to cover his missing personal items If there are any additional questions, please feel free to contact Claims Manager, [redacted] , at ###-###-#### Sincerely, [redacted] Regional Liability Director

April 17, Dear [redacted] ***:I am writing to you in response to [redacted] concerns outlined in your April 16, communication.GEICO Insurance Agency, Inc(GIAI) is a sales agent for [redacted] (***)As an agent we must abide by the rates, rules and guidelines set forth by the carrierAll service is handled directly by the carrier.** [redacted] purchased renter policy [redacted] for a term date of January 31, to January 31, ** [redacted] chose to have his policy information delivered via electronic communication and the billing drafted by Electronic Funds Transfer (EFT).At renewal of policy [redacted] , [redacted] provided renewal documents for the January 31, to January 31, term electronically to ** [redacted] at [redacted] As outlined in their documentation, the coverage would continue unless ** [redacted] contacted their office to terminateThe policy renewed on January 31, and payment was drafted by EFT.** [redacted] purchased policy [redacted] online effective February 18, As there was no direct contact with GIAI or [redacted] they were unable to identify that there was duplicate coverage[redacted] has now cancelled policy [redacted] effective February 18, 2014, the date [redacted] was effectiveA refund of unearned premium will be refunded to ** [redacted] from the cancellation date.If you have additional questions or concerns, please contact me at ###-###-####.Sincerely,

yes"> June 04, [redacted] Revdex.com of Metro WashingtonDC & Eastern Pennsylvania K StNW, 10th floor WashingtonDC20005- VIA FACSIMILE: [redacted] RE: [redacted] Insured: [redacted] Policy Number: [redacted] NAIC: ***-GEICO General Dear [redacted] ***: Thank you for your recent inquiry dated May 23, I welcome the opportunity to respond to ***’s automobile insurance policy concerns Our records indicate GEICO added [redacted] to her insurance policy after confirming he had obtained his permanent driver’s license The policy was adjusted to reflect the added exposure effective April 19, On May 20, 2014, ** [redacted] requested to cancel her insurance policy effective May 8, as she had obtained other insurance coverageHer insurance policy was cancelled as requested resulting in a $refund to her credit/debit card On June 3, 2014, [redacted] was removed as a driver on her policy to be effective April 19, resulting in an additional refund of $ [redacted] attempted to contact ** [redacted] on June 3, 2014, however she was unable to reach her I apologize for ***’s frustration and 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:a.mto 4:p.mEST Sincerely, [redacted] AVP, Underwriting

The points of impact do not indicate Mr [redacted] had full control of the intersection as the damages were to the right front corner of his vehicle We have no evidence that Ms [redacted] was traveling at a high rate of speed The police report indicates "no" under speeding related for Ms [redacted] , however, indicates "racing" under speeding related for Mr [redacted] .If you have any further questions, you can contact our Claims Manager, Kristen S [redacted] ,, at ###-###-#### ext [redacted] Sincerely, Angela R [redacted] Assistance Vice President

August 18, 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 [redacted] ***: This is in response to your email of August 13, 2014, addressed to Tony N [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 July 5, 2014, [redacted] called for a tow when her [redacted] failed to start We dispatched [redacted] Towing to have the vehicle towed to [redacted] Upon arrival, [redacted] called our regular Automobile Claims Department alleging that the tow provider damaged her back bumper while off-loading the vehicle at the dealership On July 8, the claim was referred to our Damage Analyst in the Emergency Road Service Department since all alleged damage by our tow providers is handled in our Department, not the Automobile Claims Department Our Damage Analyst scheduled an inspection by one of our Auto Damage Adjusters for July 12, In the meantime, [redacted] contacted [redacted] Towing to question them about the alleged damage [redacted] Towing denied causing any damage to the bumper They provided pictures of the vehicle in the location they left it at the [redacted] dealer The pictures clearly show sufficient space between the back bumper and the concrete parking block Also, if the vehicle had hit the parking block, the exhaust pipe certainly would have been damaged as well as the bumper The vehicle was inspected on July 12, and the damage to the back bumper was assessed at $ [redacted] has a $deductible on the vehicle Since the damage was not related to the tow, and the cost to repair is less than her deductible, this will be an out of pocket expense for [redacted] We note that she chose to use Sudden Impact Auto Body as her repair facility and they charged her $for the repairs This is still less than her deductible so there will be no reimbursement We have, however reimbursed [redacted] $for three days of rental coverage She should have already received the reimbursement check by the time you receive this response 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, Barbara C [redacted] Customer Advocate Centralized Services

May 21, Revdex.com OF METROPOLITAN WASHINGTON DC AND EASTERN PENNSYLVANIA K STNW , 10TH FLOOR WASHINGTON DC 20005- ATTN: [redacted] Re: ID Number: [redacted] Re: [redacted] Dear ***: This is in response to your email of May 21, 2014, addressed to [redacted] of GEICO Your letter has been referred to me for response as the Accounts Receivable Department is my responsibility Our original response of May 20, remains the same This is a legal issue and needs to be handled as outlined in our prior response to your office The payment in question is less than days old, and ** [redacted] should have no problem disputing the payment with her financial institution At any rate, we cannot credit her account without a copy of her [redacted] statement showing that she has not already disputed the payment, and that she will not attempt to do so if we agree to credit her account Again, we urge her to file the proper charges with law enforcement for credit card fraud 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 27, Dear [redacted] ***:Thank you for your letter of inquiry dated June 20, 2014.The results of our investigation of the above referenced loss are as follows:On May 22, 2014, ** [redacted] reported this claim to usWe advised him of his rental coverage under his policyOn that same day, ** [redacted] advised that he was unsure of whether or not he would use a rental vehicleAn assignment was set up for an auto damage adjuster to inspect his vehicle.On May 28, 2014, the auto damage adjuster inspected ***'s vehicle and a check was issued to him for the damagesOn June 1, 2014, ** [redacted] spoke with us to advise that he was in need of a rental vehicleAt this time, a direct bill with [redacted] Rent-A-Car was established and a rental reservation number was given to ***On June 2, 2014, ** [redacted] called and spoke with us advising that the [redacted] Rent-A Car location the direct bill had been set up through would not have any vehicles until June 4, We advised ** [redacted] that a direct bill could be established with any rental company** [redacted] stated he was unaware of any other rental companies as he lives in a rural area.On June 18, 2014, ** [redacted] contacted us for a status of the repairs to his vehicleDuring this conversation he advised he did not obtain a rental vehicle because there wasn't one available for him previouslyWe located several rental companies for ** [redacted] that would possibly fit his scheduleWe also sent correspondence to the auto damage adjuster inquiring as to the completion of ***'s vehicleOn June 19, 2014, we made outbound calls to four rental companies attempting to get ** [redacted] into a rental vehicleDue to the time of day and the distance that ** [redacted] was located from these companies, we were unable to successfully find a company that would work for himOn June 20, 2014,we spoke with the shop that was repairing ***'s vehicle and they advised that the repairs had been completed the previous dayWe communicated this to ** [redacted] and subsequently closed out the rental portion of the claim as no rental vehicle was utilized.Claims supervisor [redacted] spoke with ** [redacted] on June 24, to discuss his concernsHe confirmed that he did not use a rental vehicle for this loss.If any additional information is needed, please contact [redacted] , Claims Director at ###-###-####

During the course of the past two months with Geico after a year business relationship with them I was quoted separate and very different insurance rates I was first told that moving from a rural setting to an urban one but driving day a week vswould save me $75, after I moved I was told my rate would increase $30/month due to the urban setting regardless of my driving I had one billing issue during the course of my entire relationship with them and my policy increased by over $600/yr After this incident I cancelled their service and was advised I would receive a refund When I contacted them nearly a week later to check on the status of my refund I was told it would be processed tomorrow, a full week from when I cancelled and it would take another 3-business days to be received At no time did anyone I spoke to at Geico seem at all sympathetic or attempt to assist me when I have voiced my concerns/complaints

[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 as Answered] Complaint: [redacted] I am rejecting this response because: This is reference to CLAIM # [redacted] DrMS [redacted] I wasn't clear as to the offerAll I ever wanted was fairnessGeico hasn't been honest with you, They have no intention of supporting my claimMrMichael L [redacted] has my cell and hasn't used it it is I who keeps my claim This incident occurred On Aug this year , they keep static of the investigation is still ongoingHowever , now my fiancé and my had to meet with another adjuster and he want proof of my fiancé ride to work , this has nothing to do with my claim clearlyMy vehicle was stolen and not recovered for nearly a month, They have now listed my claim from theft to vandalismThis is enoughA police report was taken.I would like to be reimburse tow fees and a few vehicle repairs , not to mention the limit of personal items stolenI have been a valued customer for yearsNow Ive had enough Thank you very much [redacted] ***

An insured of Geico came into my lane and hit my truck almost weeks agoWe traded information and I contacted Geico to make a claimAfter almost weeks Geico still cannot contact their insuredThey have asked me for proof that their insured was thereI had stated that my contacting them with the policy number and vehicle information and DL# of their insured should be sufficientIt wasn'tThey told me that information could have been picked up by me because their insured could have lost their wallet or had it stolenI was appalledThis was even after they had taken audio statement by myself and my wife and another family member in my vehicle when the collision occurred and submitting photos of their insured vehicleNow since they still cannot contact their insured they are denying any responsibility and leaving me in the lurch to have my vehicle repairedI am insured, but why should I have to have my policy affected when their insured is responsible for the damagesDo not do business with GeicoThey do not care

Roman"> May 22, [redacted] Revdex.com KStreet NW, 10th Floor Washington, D.C 20005- Re: File Number: [redacted] Policy Number: [redacted] Complainant: [redacted] [redacted] ***: This is in response to your May 18, correspondence, On April 24, 2014, we mailed ** [redacted] a notice of cancellation post office receipt secured to be effective May 5, Payment was not received and the policy cancelled for non-payment of premium We understand there are times when situations arise that prevent our customers from making their payments by the due date On May 13, 2014, ** [redacted] called and made a payment and her policy was reissued effective May 14, to November 14, When a policy is reissued, the six month premium can change because we re-evaluate the risk to ensure that the correct rates are assigned We understand ** [redacted] ’s concern over the increase in her rates from $to $and apologize for any inconvenience the increase may cause If additional information is needed to close your file, please contact [redacted] at ###-###-#### or [redacted] Sincerely, [redacted] Regional Vice President

[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: They keep saying I accepted the higher price of insurance, witch I did not, I was looking for a better price on insurance, so why would I accept a higher price? NO I WOULD NOT!I accepted a price of 154.xx NOT A PRICE OF 252.xx That was more than what I was paying forSo may I ask WHY WOULD I Accept a higher PRICE? and the other company I had insurance is a very relatable companyAgain I'm saying Geico was using bait and switch practicesPOINT BLANK and who pays for it, The consumerwitch the consumer cant take on big company's, they just say NOand all we can do is file a complaint and nothing will happen since big corporate company's can do what ever they wantsay what ever they wantand the consumers PAY, AND PAY>SO Geico you got away with another TO bad consumer we can do what we want, since when we get you credit card information we can do what ever we want! Regards, [redacted]

Complaint: [redacted] I am rejecting this response because:Geico has failed to admit they are wrong in what they did You CANNOT tell me I am covered with insurance and then revert it to not being covered due to a error in payment that could have easily been fixed but you failed to make me aware of this because you wanted to get my rate to become much higher then what it was What if I was in a major accident during April to May 5, would you decide to cover me and then not cover me? How could you say I am covered and then revert it back due to a simple error thathat was easily fixable? Are you that money hungry to make someone under the assumption they were covered when you quickly reverted it? This is plain sick and disgusting that Geico conducts such cruel and deceptive tactics in their business Regards, [redacted]

July 2, Dear [redacted] ***:This is in response to your correspondence received in our Washington, D.CExecutive OfficesIt was referred to the [redacted] , TX Regional Office for a reply.To summarize our responses dated June 16, and June 24, 2014, [redacted] s GEICO General policy cancelled due to non-payment of premium effective May 31, However, coverage was only paid for until May 13, The premium balance of $is for coverage provided from May 13, 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, for [redacted] and effective prior to May 28, 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:am to 4:pm CST or by email at [redacted]

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

Jeremy C [redacted] "Arial Narrow","sans-serif Assistant Vice President December 1, Revdex.com of Metro Washington DC & Eastern Pennsylvania K StNW, 10th Floor Washington, DC 20005- Attn: [redacted] RE: complaint id #: [redacted] Complainant: [redacted] Our Claim #: [redacted] Our Insured: [redacted] Loss Date: November 15, Dear Mr [redacted] , Thank you for your letter of inquiry dated November 28, This loss was reported to us on November 16, by our insured, Ms [redacted] Auto damage adjuster, Pat B [redacted] , left several voicemail messages for Ms [redacted] on November 22, 2016, November 23, and November 24, On November 25, Ms [redacted] submitted an inquiry through GEICO.com indicating that her vehicle would be available for inspectionMrB [redacted] inspected her vehicle that day and completed an estimate which was under her $deductibleMrB [redacted] left a voice message for Ms [redacted] and emailed her a copy of the estimate to the address on file On November 26, Ms [redacted] sent in another inquiry though our website stating that she had a tow invoice of $Payment was issued to Ms [redacted] on November 28, Ms [redacted] also stated that she is seeking reimbursement for the child seat that was in the vehicle at the time of loss Once we receive the receipt for the replacement car seat, we will be happy to review for reimbursement If any additional information is needed please contact Jenna W***, Consumer Relations Administrator at ###-###-#### or [redacted] Sincerely, Jeremy C [redacted] Assistant Vice President

May 20, class="InsideAddress"> Revdex.com OF METROPOLITAN WASHINGTON DC AND EASTERN PENNSYLVANIA K STNW , 10TH FLOOR WASHINGTON DC 20005- ATTN: [redacted] Re: ID Number: [redacted] Re: [redacted] Dear ***: This is in response to your email of May 15, 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 we have located ** [redacted] ’s payment of $ However, we are prohibited by privacy act regulations as well as federal banking regulations from revealing the name of the GEICO customer that used ** [redacted] ’s credit card to make their GEICO payment GEICO accepts payments on good faith and we do not question the validity of the source of the payment We advised ** [redacted] to file a dispute with her credit card carrier We strongly suggest that ** [redacted] contact her local law enforcement agency to file charges for credit card fraud The law enforcement agency will then subpoena all records from us pertaining to the policy to which this payment was applied We will then provide them with any and all records needed to proceed with the apprehension of the individual using ** [redacted] ’s credit card without permission 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

We have received your request for assistance on behalf of [redacted] A response to Mr [redacted] has been sent via United States Post Office mailThe following is a summary of that responseWe recently sent Mr [redacted] a letter offering him an opportunity to purchase a policy under our GEICO Family Pricing ProgramThis program allows children to receive a potentially reduced rate and some of the discounts that are offered on their parent's policyThere was no promise made of providing the exact same rates as Mr [redacted] 's parentsWhen rating an automobile policy, we take into consideration driving history, vehicle location, vehicle usage, and other additional factors that directly affect a policy premiumSince Mr [redacted] resides in a different state, his policy would conform to the regulations and our filed rating plan for the domicile stateOur records show that Mr [redacted] 's father has chosen to continue to insure his son's vehicleIn order to provide coverage, we established a separate policy for his location in OregonIf you have any additional questions, please contact our analyst, Mary A [redacted] , at ###-###-####, extension 5508, Sincerely, Gregory J [redacted] Assistant Vice President GEICO General Insurance Company

April 22, Dear [redacted] ***,We received your correspondence dated April 15, 2014, regarding the above-noted complaint.We have not included any personal identifying information in our response as you requested.On April 10, 2014, our insured made two payments of $and $online at geico.com via electronic checksOur website presented her with a confirmation page for both paymentsIn the process of making her second payment online, our website presented a notice that the last payment received was for $on April 10, 2014.On April 14, 2014, our insured called us in regards to the two paymentsAt that time, we advised her that we would be happy to refund one of the payments after we verified the payments had cleared her accountWe requested that our insured send us a running bank statement showing that the payments cleared, so we could process her refund immediately.On April 16, 2014, we spoke to our insured regarding her concernWe attempted to contact her credit union to verify that the payments cleared her account, but her credit union was closedSince we could not verify the payment with her credit union over the phone, we again asked her to send in a copy of a running bank statement showing that the payments cleared her accountWe advised her that once the payments cleared, we could overnight a refund check at her expenseOur insured declined, and notified us that she intended to dispute the payment with her bank.Since our insured manually made two payments at geico.com, we regret that we are unable to reimburse her for any overdraft fees resulting from the paymentsWe 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,

June 28, 2014Dear [redacted] ***:Thank you for your inquiry dated August 14, 2014.In this case the issue resides with the replacement of a vehicle identification number (VIN) label on a replacement door for her [redacted] We advised [redacted] that we can only reimburse for the replacement of this label if performed by the NY State Department of Motor Vehicles (Office of investigations), as it is unlawful for another private company to manufacture a vehicle identification number.Her repair shop had used a private company to replace this label and we cannot pay for it, nor can we condone this procedure.We trust that this satisfies your inquiry and if you require any additional information please contact our claims Manager, Jack D [redacted] at [redacted] .Very truly yours, Kenneth L Damage Director