The issues regarding the damage to the vehicle is in process of being resolved. Ameriprise has agreed to take care of one day's rental in order to fix the remaining damages to the vehicle; however, the damage to the door was negligible to the accident per Amerirprise's investigation. [redacted] has asked me to return next week to drop off the vehicle and [redacted] from [redacted] said he will follow up with me once the parts arrive at the shop. When Ameriprise contacted me regarding the Revdex.com claim I was told [redacted] (my claim representative) would follow up with me in 2-3 business days; I have yet to receive the call.
The issue regarding the vehicle value is still pending.
Thank you for sending the follow-up complaint filed by Ms. [redacted], which we received onSeptember 3, 2015 . We appreciate the opportunity to provide additional information.We reviewed Ms. [redacted]'s policy and confirmed that we sent all the appropriate notices to herregarding the requested renewal premium and pending cancellation of her policy. When we subsequentlydid not receive payment, the policy cancelled on August 24,2015, for non-payment of premium and wemailed the appropriate cancellation notice to her.We understand that this is not the outcome Ms. [redacted] would like; however, after reviewing the factsof the matter a second time, we respectfully maintain our decision not to reinstate the policy.
Thank you for sending the complaint filed by Ms. [redacted], which we received on January 21 , 2015. Weunderstand that she disagrees with our decision regarding the claim. We appreciate the opportunity toaddress her concerns.We received the notice of loss from Mr. [redacted] on December 10, 2014,...
with a reported date ofloss December 9,2014. Mr. [redacted] advised that a rainstorm went through the area and water entered thebasement causing some damage to flooring and drywall. We sent and adjuster with [redacted]) to inspect the damage and determine the cause of loss. [redacted] found that around someplumbing in the basement there is an exposed area, consisting only of dirt, which allowed the water toenter.We received the inspection report back on December 22,2014, and we issued a denial letter to Ms. ** andMr. [redacted] citing the policy language that excludes damage caused by water below the surface of theground that enters through a foundation.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,[redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on January 14, 2015.We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.On December 31, 2014, Mr. [redacted]' 1991 Chevrolet S-I 0 was deemed a total loss...
based on the estimateddamages of $4,680.06. Through an extensive market research conducted by a third-party vendor,AudaExplore, we determined the actual cash value of Mr. [redacted]' vehicle was $2,724.00.On January 5, 20 15, we presented two total loss settlement options to Mr. [redacted]: $3,089.40 for a nonowner-retained settlement, and $2,8 14.76 for an owner-retained settlement. Mr. [redacted] stated that hewould accept the non-owner retained settlement of $3089.40, but he also wanted to retain the vehicle. Weexplained that if the retained his vehicle, we would take a deduction for the value of the salvage; we wouldotherwise recover that amount from the auction of the salvaged vehicle.Mr. [redacted] then told us that we forgot to include a couple of options on his vehicle, and he felt thecondition rating of the interior was low. Therefore, we requested interior photos of the vehicle and ranthe actual cash value again - upgrading the interior condition and adding the missing options. Therevised actual cash value was $2,774.00. We also asked AudaExplore to obtain dealer quotes as anadditional evaluation. That actual cash value was $1,950.00.On January 9, 2015, we revised our offer based on the highest actual cash value of $2,774.00 and wepresented both the non-owner -retained settlement offer of $3,144.15 and the owner-retained settlementoffer of$2,869.50 to Mr. [redacted].In his complaint, Mr. [redacted] indicated that we reduced his settlement amount by $250 - actually, weincreased our settlement offer by $54.75 for non-owner retained settlement and $54.74 for owner retainedsettlement.We are confident that our settlement offers are fair and reasonable and accurately represent the value ofMr. [redacted]' vehicle.
Thank you for sending the complaint filed by Mr. [redacted], which we received on July 5, 2016. We understand that he would like additional details surrounding a change in premium. We appreciate the opportunity to address his concerns.Per the complaint filed by Mr. [redacted], he disagrees with our...
replacement cost assessment for his home. Mr. [redacted]’s home insurance policy began effective August 1, 2015. We inspected his home on September 30, 2015. The replacement cost of the home was updated to $1,141,100 based on the features noted in the inspection. The change in replacement cost was made effective the August 1, 2016 policy renewal date. On June 17, 2016 we mailed the August 1, 2016 renewal offer to Mr. [redacted], giving him sufficient time to review the change in replacement cost.Mr. [redacted] called our office on June 28, 2016 inquiring about the change in replacement cost at the renewal. He called again on June 30, 2016 and at his request we emailed to him a copy of the inspection and a copy of a replacement cost calculations to review.We insure homes for their replacement cost, not the market value. We are aware that the market value of the home is lower than the replacement cost, but we insure the home for the replacement value of the home to ensure there is sufficient coverage in the event of a total loss. Replacement cost takes into account not only the materials to re-build the home but also debris removal, demolition, changes in building codes, and other items such as extra fees and premium for materials and other contingencies that market value would not account for.We are confident that the replacement cost noted in the inspection of the home is what would be needed to rebuild Mr. [redacted]’s home in the event of a total loss. Additionally Since our receipt of Mr. [redacted]’s complaint, he has provided information contesting the number of bathrooms and the above ground square footage of his home. After another review of the home inspection and public record, we confirmed that the home has 7 bathrooms and an above ground square footage of 6453. If Mr. [redacted] has made any alterations to the home or has documentation to confirm his assertions about the property, we encourage him to provide this information to us for further review.If you have any questions about this information, you may contact me at ###-###-####, Ext. 3461.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
[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. I would like to sincerely thank Ameriprise for taking the time to look into the matter and responding so promptly.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on August 4,2015. We understand that she would like additional details surrounding a change in premium. Weappreciate the opportunity to address her concerns.The change to Ms. [redacted]'s premium is due to a rate...
revision that was filed with the ArizonaDepartment of Insurance and became effective for policy terms beginning on or after February I , 2015.The overall change for our homeowners program was 2.8%; however, the realignment of our rates affectseach policyholder differently based on the individual characteristics of their policy.Ms. [redacted] indicated in her letter that her premium increased 99%. The premium was $840.21 for herprior policy term. The new policy term (effective September 9, 2015), which reflected the rate change,resulted in a premium of$1,647.34. The overall increase from the previous policy term is $807.31, or96.1%.Upon review of her policy renewal, another issue surfaced that contributed to her increased premium. Ourcredit burean (Equifax) was not able to locate her in their credit records. We reviewed the report and itstated "Date of Death 01110," which is why the bureau retillned a "no-hit" result when we attempt torequest her credit infonnation. We offered to re-rate her policy after receiving a notarized statement thatthe reported information was incorrect, which would lessen the impact of the rate change; however, asizable increase (approximately 50%) would still occur due to the other aspects of our filed rate change.We spoke with Ms. [redacted] today to explain this situation.We understand that in today's tough economic envirorunent that an increase of any amount is a difficultmessage to receive, but we must occasionally make rate adjustments to align the premiums we chargewith the risks we insure.
Thank you for sending the complaint filed by Ms. [redacted], which we received on February 2,2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunityto address her concerns.Below is a chronological timeline of the claim handling:• November 21,...
2014: Mike from Progressive Insurance filed a collision loss involving Ms.[redacted]'s Subaru.• December 2,2014: We completed our liability investigation and detemlined our insured wasresponsible for the loss. We informed Ms. [redacted] of our decision and her claim filing options.• December 9, 2014: We assigned an independent appraiser to inspect Ms. [redacted] vehicle.• December 15, 2014: After receipt and review of the appraisal, we issued Ms. [redacted] a propertydamage payment.• January 22, 2015: We received two photographs of the child car seat with the straps cut. Weemailed Ms. [redacted] verifying receipt of the photographs, and we reiterated our request for acopy of the invoice showing payment for the replacement car seat.• January 28, 2015: We received and reviewed the invoice for the replacement car seat.• February 3, 2015: We completed our investigation and issued payment to Ms. [redacted] in theamount of $951.55.We are truly sorry Ms. [redacted] experienced this unfortunate event, and we understand her frustrationwith the length of time it took to settle this matter. It is always our intention to handle all claimsefficiently, but in this case extra time was required to obtain appropriate documentation. While we regretthat this claims experience did not meet Ms. [redacted]'s expectations, we are pleased that we were able tobring it to amenable resolution.
Thank you for sending the complaint filed by Ms, [redacted], which we received on December 4, 2014,We understand that she would like a more detailed explanation of why the policy was canceled, Weappreciate the opportunity to address her concerns and believe the following timeline will help...
provideclarification,• On October 16,2014, we mailed the November 29, 2014, to May 29,2015, renewal offer to Ms,[redacted]. Included in the renewal package was a premium notice in the amount of $486,74 with a duedate of November 29, 2014, The premium notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• On November 12,2014, we mailed Ms, [redacted] a reminder notice in the amount of $486,74 with a duedate of November 29,2014, The reminder notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• We did not receive payment from Ms, [redacted] by November 29,2014; therefore, the policy lapsedbecause the renewal premium was not paid on time,• On December 3, 2014, we received an internet request from Ms, [redacted] asking us to apply a paymentof $172,00 to her Visa card, We attempted to call her, but the phone number on file was no longervalid, We emailed Ms, [redacted] asking her to contact us regarding her policy,• Ms, [redacted] called and requested reinstatement of her policy, We declined the request because therewas a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium,We understand that this is not the outcome Ms, [redacted] would like, but after reviewing the situation asecond time, we respectfully maintain our decision not to reinstate the policy,Lastly, Ms. [redacted] expressed concern about no longer being able to view her Ameriprise stocks online as aresult of the cancellation. She has full access to this information since it is housed and available on theAmeriprise Financial website, which is separate from the Ameriprise Auto & Home Insurance website.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I am replying to them the claim information they want. Ameriprise Claim# 1983502R609, DOL: 5/14/15
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The initial form that was filed online was just for a basic quote I never filed an application online. We called and spoke with someone and gave them all the information and he sent us an application to fill out and return. The representative reached out to my husband and not me who filed this claim. I did not give my husband's contact information. I feel as if this company will find any excuse not to take this policy. This company was aware of our claims before accepting the policy. The claims were on the application and were told to the representative who took our information. I would like this company to send us the full amount paid. They reviewed our written application before we paid the policy. They took our money under false pretence so I want a full refund.
Regards,
[redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on November 21, 2016.We understand that he would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address his concerns.On November 22, 2016, we received an email from Mr....
[redacted] dated November 21, 2016, expressingconcerns about the cancellation of his automobile policy. In the email he requested reinstatement of hispolicy, because on November 20, 2016, he attempted to make an online payment and also sent an email torequest payment from his credit card. Reinstatement was originally denied, but after further review wewere able to locate the email and the online request for payment dated November 20, 2016, and his policywas reinstated without a lapse in coverage.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted] which we received on April 11, 2016. We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity to address his concerns.We reviewed Mr. [redacted]’s letter in detail and while he provides extensive...
information, there is no new information for us to consider regarding our claim decision. We are unable to pay his claim under his home policy. If Mr. [redacted] has new, additional information with documented support, we encourage him to share that with us and we will gladly review our claim decision.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on July 11, 2016. We understand that he would like a detailed explanation on why his credit card was charged by our company. We appreciate the opportunity to address his concerns.The credit card charge of $118.00 was due to a...
home policy that was started with our company on July 3, 2016. The property address is 301 Walnut Street, Ithaca, NY 14850-6299. The policyholders’ names are [redacted] and [redacted]. The mailing address listed on the policy is [redacted].If Mr. [redacted] feels that this policy was issued in error or should not have been charged to his credit card we encourage him to call our Client Service Department at ###-###-#### and reference policy number BH03969512. We would be happy to help him resolve this issue.If you have any questions about this information, you may contact me at ###-###-####, Ext. 7350.Sincerely,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]s Unfortunatley, the response from Ameriprise was Not Completley true. I stated that [redacted] lived with us because he was staying here for two weeks and not permanently. Because I am new to learning how car insurance works I was confused by the representative's questions. Once I actually understood that they were adding [redacted] on to my vehicle policy I refused the coverage. My intent was to help him get his own insurance for his OWN vehicle. Next thing I knew I was being told I had no choice but to add him on as a rider to my car. I will be sending Ameriprise paperwork for where [redacted] actually lives in hopes to resolve this matter.
Thank you for sending the follow-up complaint from by Mr. [redacted], which we received on February2,2015. We appreciate the opportunity to address his additional concems.We extended our initial owner-retained offer of $2,814.76 to Mr. [redacted] on January 5, 2015. After that, hesubmitted interior photos of his vehicle, so we were able to update the interior condition of his vehicle inour report. This caused the actual cash value to increase, and we presented an updated owner-retainedoffer on January 9, 2015, of$2,642.70. However, we unintentionally omitted the taxes of $263.53 fromthat offer. When we realized our error on January 15, 2015, we updated the owner-retained settlementoffer to $2,869.50. We apologize for any confusion tllis may have caused.If you have questions about this information, you may contact Ms. [redacted] at I ###-###-####,Ext. [redacted].
Thank you for sending the follow-up complaint filed by Mr. [redacted], which we received on December10,2014.To date, we are still waiting for Mr. [redacted] or his contractor to provide the mold remediation estimate andphotos.We have paid the replacement cost value for the damages documented by the...
independent adjuster. Weremain willing to review the mold remediation estimate and photos for further payment consideration.If you have any questions about this information, you may contact me at ###-###-####.Sincerely,[redacted]IDS Propelty Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the follow up inquiry filed by Ms. Jessica [redacted], which we received on February2, 2016. We understand that Ms. [redacted] continues to disagree with our negligence assessment.We believe our previous response addresses all of the issues Ms. [redacted] raises, and we have no newinformation to add at this time.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
We feel that our response fully addressed the clients concerns. The change in Ms. [redacted]’s premium for the March 28, 2017 renewal is due to a change in the driving history associated with the policy. A March 21, 2016 not-at-fault accident had been added to the driving history associated with the policy. This accident and a prior at-fault accident on March 2, 2015 are being surcharged on this renewal. The at-fault accident from 2015 was being forgiven on the prior renewal because this was the only activity on the driving history. With the addition of the 2016 incident, this policy no longer qualifies under the provisions of our Accident Forgiveness rule. Thank you, [redacted]
The issues regarding the damage to the vehicle is in process of being resolved. Ameriprise has agreed to take care of one day's rental in order to fix the remaining damages to the vehicle; however, the damage to the door was negligible to the accident per Amerirprise's investigation. [redacted] has asked me to return next week to drop off the vehicle and [redacted] from [redacted] said he will follow up with me once the parts arrive at the shop. When Ameriprise contacted me regarding the Revdex.com claim I was told [redacted] (my claim representative) would follow up with me in 2-3 business days; I have yet to receive the call.
The issue regarding the vehicle value is still pending.
Kind Regards
Thank you for sending the follow-up complaint filed by Ms. [redacted], which we received onSeptember 3, 2015 . We appreciate the opportunity to provide additional information.We reviewed Ms. [redacted]'s policy and confirmed that we sent all the appropriate notices to herregarding the requested renewal premium and pending cancellation of her policy. When we subsequentlydid not receive payment, the policy cancelled on August 24,2015, for non-payment of premium and wemailed the appropriate cancellation notice to her.We understand that this is not the outcome Ms. [redacted] would like; however, after reviewing the factsof the matter a second time, we respectfully maintain our decision not to reinstate the policy.
Thank you for sending the complaint filed by Ms. [redacted], which we received on January 21 , 2015. Weunderstand that she disagrees with our decision regarding the claim. We appreciate the opportunity toaddress her concerns.We received the notice of loss from Mr. [redacted] on December 10, 2014,...
with a reported date ofloss December 9,2014. Mr. [redacted] advised that a rainstorm went through the area and water entered thebasement causing some damage to flooring and drywall. We sent and adjuster with [redacted]) to inspect the damage and determine the cause of loss. [redacted] found that around someplumbing in the basement there is an exposed area, consisting only of dirt, which allowed the water toenter.We received the inspection report back on December 22,2014, and we issued a denial letter to Ms. ** andMr. [redacted] citing the policy language that excludes damage caused by water below the surface of theground that enters through a foundation.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].Sincerely,[redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on January 14, 2015.We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity toaddress his concerns.On December 31, 2014, Mr. [redacted]' 1991 Chevrolet S-I 0 was deemed a total loss...
based on the estimateddamages of $4,680.06. Through an extensive market research conducted by a third-party vendor,AudaExplore, we determined the actual cash value of Mr. [redacted]' vehicle was $2,724.00.On January 5, 20 15, we presented two total loss settlement options to Mr. [redacted]: $3,089.40 for a nonowner-retained settlement, and $2,8 14.76 for an owner-retained settlement. Mr. [redacted] stated that hewould accept the non-owner retained settlement of $3089.40, but he also wanted to retain the vehicle. Weexplained that if the retained his vehicle, we would take a deduction for the value of the salvage; we wouldotherwise recover that amount from the auction of the salvaged vehicle.Mr. [redacted] then told us that we forgot to include a couple of options on his vehicle, and he felt thecondition rating of the interior was low. Therefore, we requested interior photos of the vehicle and ranthe actual cash value again - upgrading the interior condition and adding the missing options. Therevised actual cash value was $2,774.00. We also asked AudaExplore to obtain dealer quotes as anadditional evaluation. That actual cash value was $1,950.00.On January 9, 2015, we revised our offer based on the highest actual cash value of $2,774.00 and wepresented both the non-owner -retained settlement offer of $3,144.15 and the owner-retained settlementoffer of$2,869.50 to Mr. [redacted].In his complaint, Mr. [redacted] indicated that we reduced his settlement amount by $250 - actually, weincreased our settlement offer by $54.75 for non-owner retained settlement and $54.74 for owner retainedsettlement.We are confident that our settlement offers are fair and reasonable and accurately represent the value ofMr. [redacted]' vehicle.
Thank you for sending the complaint filed by Mr. [redacted], which we received on July 5, 2016. We understand that he would like additional details surrounding a change in premium. We appreciate the opportunity to address his concerns.Per the complaint filed by Mr. [redacted], he disagrees with our...
replacement cost assessment for his home. Mr. [redacted]’s home insurance policy began effective August 1, 2015. We inspected his home on September 30, 2015. The replacement cost of the home was updated to $1,141,100 based on the features noted in the inspection. The change in replacement cost was made effective the August 1, 2016 policy renewal date. On June 17, 2016 we mailed the August 1, 2016 renewal offer to Mr. [redacted], giving him sufficient time to review the change in replacement cost.Mr. [redacted] called our office on June 28, 2016 inquiring about the change in replacement cost at the renewal. He called again on June 30, 2016 and at his request we emailed to him a copy of the inspection and a copy of a replacement cost calculations to review.We insure homes for their replacement cost, not the market value. We are aware that the market value of the home is lower than the replacement cost, but we insure the home for the replacement value of the home to ensure there is sufficient coverage in the event of a total loss. Replacement cost takes into account not only the materials to re-build the home but also debris removal, demolition, changes in building codes, and other items such as extra fees and premium for materials and other contingencies that market value would not account for.We are confident that the replacement cost noted in the inspection of the home is what would be needed to rebuild Mr. [redacted]’s home in the event of a total loss. Additionally Since our receipt of Mr. [redacted]’s complaint, he has provided information contesting the number of bathrooms and the above ground square footage of his home. After another review of the home inspection and public record, we confirmed that the home has 7 bathrooms and an above ground square footage of 6453. If Mr. [redacted] has made any alterations to the home or has documentation to confirm his assertions about the property, we encourage him to provide this information to us for further review.If you have any questions about this information, you may contact me at ###-###-####, Ext. 3461.Sincerely,IDS Property Casualty Insurance CompanyAmeriprise Auto & Home Insurance
[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. I would like to sincerely thank Ameriprise for taking the time to look into the matter and responding so promptly.
Regards,
[redacted]
Thank you for sending the complaint filed by Ms. [redacted], which we received on August 4,2015. We understand that she would like additional details surrounding a change in premium. Weappreciate the opportunity to address her concerns.The change to Ms. [redacted]'s premium is due to a rate...
revision that was filed with the ArizonaDepartment of Insurance and became effective for policy terms beginning on or after February I , 2015.The overall change for our homeowners program was 2.8%; however, the realignment of our rates affectseach policyholder differently based on the individual characteristics of their policy.Ms. [redacted] indicated in her letter that her premium increased 99%. The premium was $840.21 for herprior policy term. The new policy term (effective September 9, 2015), which reflected the rate change,resulted in a premium of$1,647.34. The overall increase from the previous policy term is $807.31, or96.1%.Upon review of her policy renewal, another issue surfaced that contributed to her increased premium. Ourcredit burean (Equifax) was not able to locate her in their credit records. We reviewed the report and itstated "Date of Death 01110," which is why the bureau retillned a "no-hit" result when we attempt torequest her credit infonnation. We offered to re-rate her policy after receiving a notarized statement thatthe reported information was incorrect, which would lessen the impact of the rate change; however, asizable increase (approximately 50%) would still occur due to the other aspects of our filed rate change.We spoke with Ms. [redacted] today to explain this situation.We understand that in today's tough economic envirorunent that an increase of any amount is a difficultmessage to receive, but we must occasionally make rate adjustments to align the premiums we chargewith the risks we insure.
Thank you for sending the complaint filed by Ms. [redacted], which we received on February 2,2015. We understand that she feels there was a delay processing the claim. We appreciate the opportunityto address her concerns.Below is a chronological timeline of the claim handling:• November 21,...
2014: Mike from Progressive Insurance filed a collision loss involving Ms.[redacted]'s Subaru.• December 2,2014: We completed our liability investigation and detemlined our insured wasresponsible for the loss. We informed Ms. [redacted] of our decision and her claim filing options.• December 9, 2014: We assigned an independent appraiser to inspect Ms. [redacted] vehicle.• December 15, 2014: After receipt and review of the appraisal, we issued Ms. [redacted] a propertydamage payment.• January 22, 2015: We received two photographs of the child car seat with the straps cut. Weemailed Ms. [redacted] verifying receipt of the photographs, and we reiterated our request for acopy of the invoice showing payment for the replacement car seat.• January 28, 2015: We received and reviewed the invoice for the replacement car seat.• February 3, 2015: We completed our investigation and issued payment to Ms. [redacted] in theamount of $951.55.We are truly sorry Ms. [redacted] experienced this unfortunate event, and we understand her frustrationwith the length of time it took to settle this matter. It is always our intention to handle all claimsefficiently, but in this case extra time was required to obtain appropriate documentation. While we regretthat this claims experience did not meet Ms. [redacted]'s expectations, we are pleased that we were able tobring it to amenable resolution.
Thank you for sending the complaint filed by Ms, [redacted], which we received on December 4, 2014,We understand that she would like a more detailed explanation of why the policy was canceled, Weappreciate the opportunity to address her concerns and believe the following timeline will help...
provideclarification,• On October 16,2014, we mailed the November 29, 2014, to May 29,2015, renewal offer to Ms,[redacted]. Included in the renewal package was a premium notice in the amount of $486,74 with a duedate of November 29, 2014, The premium notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• On November 12,2014, we mailed Ms, [redacted] a reminder notice in the amount of $486,74 with a duedate of November 29,2014, The reminder notice states, "Failure to pay the premium by the due datewill result in the cancellation of your policy,"• We did not receive payment from Ms, [redacted] by November 29,2014; therefore, the policy lapsedbecause the renewal premium was not paid on time,• On December 3, 2014, we received an internet request from Ms, [redacted] asking us to apply a paymentof $172,00 to her Visa card, We attempted to call her, but the phone number on file was no longervalid, We emailed Ms, [redacted] asking her to contact us regarding her policy,• Ms, [redacted] called and requested reinstatement of her policy, We declined the request because therewas a lapse in coverage and break in the contract when the policy cancelled for nonpayment ofpremium,We understand that this is not the outcome Ms, [redacted] would like, but after reviewing the situation asecond time, we respectfully maintain our decision not to reinstate the policy,Lastly, Ms. [redacted] expressed concern about no longer being able to view her Ameriprise stocks online as aresult of the cancellation. She has full access to this information since it is housed and available on theAmeriprise Financial website, which is separate from the Ameriprise Auto & Home Insurance website.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.I am replying to them the claim information they want. Ameriprise Claim# 1983502R609, DOL: 5/14/15
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The initial form that was filed online was just for a basic quote I never filed an application online. We called and spoke with someone and gave them all the information and he sent us an application to fill out and return. The representative reached out to my husband and not me who filed this claim. I did not give my husband's contact information. I feel as if this company will find any excuse not to take this policy. This company was aware of our claims before accepting the policy. The claims were on the application and were told to the representative who took our information. I would like this company to send us the full amount paid. They reviewed our written application before we paid the policy. They took our money under false pretence so I want a full refund.
Regards,
[redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on November 21, 2016.We understand that he would like a more detailed explanation of why the policy was canceled. Weappreciate the opportunity to address his concerns.On November 22, 2016, we received an email from Mr....
[redacted] dated November 21, 2016, expressingconcerns about the cancellation of his automobile policy. In the email he requested reinstatement of hispolicy, because on November 20, 2016, he attempted to make an online payment and also sent an email torequest payment from his credit card. Reinstatement was originally denied, but after further review wewere able to locate the email and the online request for payment dated November 20, 2016, and his policywas reinstated without a lapse in coverage.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
Thank you for sending the complaint filed by Mr. [redacted] which we received on April 11, 2016. We understand that he disagrees with our decision regarding the claim. We appreciate the opportunity to address his concerns.We reviewed Mr. [redacted]’s letter in detail and while he provides extensive...
information, there is no new information for us to consider regarding our claim decision. We are unable to pay his claim under his home policy. If Mr. [redacted] has new, additional information with documented support, we encourage him to share that with us and we will gladly review our claim decision.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted]
Thank you for sending the complaint filed by Mr. [redacted], which we received on July 11, 2016. We understand that he would like a detailed explanation on why his credit card was charged by our company. We appreciate the opportunity to address his concerns.The credit card charge of $118.00 was due to a...
home policy that was started with our company on July 3, 2016. The property address is 301 Walnut Street, Ithaca, NY 14850-6299. The policyholders’ names are [redacted] and [redacted]. The mailing address listed on the policy is [redacted].If Mr. [redacted] feels that this policy was issued in error or should not have been charged to his credit card we encourage him to call our Client Service Department at ###-###-#### and reference policy number BH03969512. We would be happy to help him resolve this issue.If you have any questions about this information, you may contact me at ###-###-####, Ext. 7350.Sincerely,
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]s Unfortunatley, the response from Ameriprise was Not Completley true. I stated that [redacted] lived with us because he was staying here for two weeks and not permanently. Because I am new to learning how car insurance works I was confused by the representative's questions. Once I actually understood that they were adding [redacted] on to my vehicle policy I refused the coverage. My intent was to help him get his own insurance for his OWN vehicle. Next thing I knew I was being told I had no choice but to add him on as a rider to my car. I will be sending Ameriprise paperwork for where [redacted] actually lives in hopes to resolve this matter.
Thank you for sending the follow-up complaint from by Mr. [redacted], which we received on February2,2015. We appreciate the opportunity to address his additional concems.We extended our initial owner-retained offer of $2,814.76 to Mr. [redacted] on January 5, 2015. After that, hesubmitted interior photos of his vehicle, so we were able to update the interior condition of his vehicle inour report. This caused the actual cash value to increase, and we presented an updated owner-retainedoffer on January 9, 2015, of$2,642.70. However, we unintentionally omitted the taxes of $263.53 fromthat offer. When we realized our error on January 15, 2015, we updated the owner-retained settlementoffer to $2,869.50. We apologize for any confusion tllis may have caused.If you have questions about this information, you may contact Ms. [redacted] at I ###-###-####,Ext. [redacted].
Thank you for sending the follow-up complaint filed by Mr. [redacted], which we received on December10,2014.To date, we are still waiting for Mr. [redacted] or his contractor to provide the mold remediation estimate andphotos.We have paid the replacement cost value for the damages documented by the...
independent adjuster. Weremain willing to review the mold remediation estimate and photos for further payment consideration.If you have any questions about this information, you may contact me at ###-###-####.Sincerely,[redacted]IDS Propelty Casualty Insurance CompanyAmeriprise Auto & Home Insurance
Thank you for sending the follow up inquiry filed by Ms. Jessica [redacted], which we received on February2, 2016. We understand that Ms. [redacted] continues to disagree with our negligence assessment.We believe our previous response addresses all of the issues Ms. [redacted] raises, and we have no newinformation to add at this time.If you have any questions about this information, you may contact me at ###-###-####, Ext. [redacted].
We feel that our response fully addressed the clients concerns. The change in Ms. [redacted]’s premium for the March 28, 2017 renewal is due to a change in the driving history associated with the policy. A March 21, 2016 not-at-fault accident had been added to the driving history associated with the policy. This accident and a prior at-fault accident on March 2, 2015 are being surcharged on this renewal. The at-fault accident from 2015 was being forgiven on the prior renewal because this was the only activity on the driving history. With the addition of the 2016 incident, this policy no longer qualifies under the provisions of our Accident Forgiveness rule. Thank you, [redacted]