Ameriprise appears to use unethical profiling for cancelation and non-renewal decisions. They use misleading advertisement by saying “We reward customer loyalty”, they make assumptions about drivers risk based on statistics of all drivers not by proven evidence of driver behavior on an individual basis and they wrongfully mislead customers about the effects of “not-at-fault” accidents on their assessments of insurability. I now question their integrity and so should you if you consider doing business with them.
It started out a great company with good rates. However, something changed. It is amazing that the BBB rates this company A+ given that they show 92% of the customer reviews appear negative. This looks very bad, no matter how many customers they have. If the company’s claims of great customer service had any real merit to it they would show up as a top company on other rating sites. Instead, they can only claim A.M. Best rating of “Excellent” which only rates on financial strength, stability and soundness of operating performance (without proof posted on their web site I might add). They do not have anything to do with customer support, customer sevice, fairness, integrity and ethical practices. With an A+ rating at the BBB, the positive reviews should look like the negative, 92% positive.
My complaint: As of this date, we have experienced one “at-fault” accident and four “not-at-fault” accidents over a three-year period. We did the right thing on each one of these accidents and reported all of them to Ameriprise. I called them to add a car and found out that they will not renew my policy because of the five accidents. Then someone from their office called me a day or so later to tell me the same thing. At least I received notice in time to look for another company. This means they only paid for one damage claim totaling about less than $750. My premiums over the last three years have more than paid for the one claim they paid.
Their ads claim they reward loyal customers. Even their own CEO says, “We're obsessed with customer service!” and “Our exceptional service also comes with the peace of mind of knowing that you're working with a quality insurer.” They will not renew my policy for accidents I had no control over? This does not even come close to resembling a reward to loyal customers. They actually punish them for making claims even if it does not involve them paying for the claim (“not-at-fault” accident covered by the hitters insurance). This looks to me like false advertisement and draws into question their integrity.
When I reported the first “not-at-fault” accident, I asked the person (Cathy) if this would affect my insurance in any way and she said something like no not at all. Apparently, that statement does not rings true. I again asked the same question when an uninsured driver hit our car and again I had the person on the phone say something like not at all. Now they say the nonrenewal comes because of the number of accidents in a three-year period. Therefore, the accidents do effect my insurance, again calling into question their integrity. With Ameriprise honesty and loyalty on the part of customers generates the reward of nonrenewal.
When I asked the customer representative who called me to tell me about the nonrenewal, why they counted “not-at-fault” accidents she said, it means that you pose a risk of committing insurance fraud. Excuse me! Therefore, they will not renew us. She told me they could not do anything about it. So much for supporting loyal customers. This amounts, in my opnion, to unethical profiling and slanderous accusations on their part. They did not look at the facts of the accidents and treated us like numbers not customers and living breathing humans. So much for the CEO’s statement, “Our exceptional service also comes with the peace of mind of knowing that you're working with a quality insurer.” Sorry Tom Ealy, it appears you believe this but the rest of the company does not. I went out of my way to provided them all the details of the accidents and even provided, in the two cases when we made police calls, the report numbers that the hitting party received tickets. I had to get this for them, as they would not take the initiative to contact the police themselves. In addition, we have not had any citations for over 5 years.
Note that I had to provide all the information for these accidents to include getting police reports (twice because claims apparently did not enter any of the information when we initially call it into Ameriprise the first time). I believe we proved our integrity as honest responsible drives and not committing any form of “insurance fraud” as suggested by them.
I have spoken to the company in response to the BBB complaint I filed and they respond with the rhetoric I expected. They argued about what was said and again told me the decision was final. That was a wasted call on their part. I have not seen any complaints against them show a positive resolution posted by the original complainant.
On this company, I can only say “caveat emptor” “Let the buyer beware”. So sad, it use to be a good company who cared about their customers, but not anymore.
I have had auto insurance through Ameriprise for the past 20 years, and never had any problems. But I never had an accident either. When I bought my first home I chose Ameriprise for my home insurance because I believed that they were a good company.
I have had a claim with them for the past 9 months that I have been fighting for them to pay. I have had contractors tell me that it is a covered loss, I have neighbors with similar problems and their insurance companies have sent help the same day and took care of the problem.
Unfortunately, I have received only adamant refusals to investigate or pay my claim. My policy clearly states that the loss is covered, and when presented with this information they come back with unrelated details that are taken out of context and continue to tell me that it is not a covered loss.
Ameriprise Auto & Home Reviews
Ameriprise appears to use unethical profiling for cancelation and non-renewal decisions. They use misleading advertisement by saying “We reward customer loyalty”, they make assumptions about drivers risk based on statistics of all drivers not by proven evidence of driver behavior on an individual basis and they wrongfully mislead customers about the effects of “not-at-fault” accidents on their assessments of insurability. I now question their integrity and so should you if you consider doing business with them.
It started out a great company with good rates. However, something changed. It is amazing that the BBB rates this company A+ given that they show 92% of the customer reviews appear negative. This looks very bad, no matter how many customers they have. If the company’s claims of great customer service had any real merit to it they would show up as a top company on other rating sites. Instead, they can only claim A.M. Best rating of “Excellent” which only rates on financial strength, stability and soundness of operating performance (without proof posted on their web site I might add). They do not have anything to do with customer support, customer sevice, fairness, integrity and ethical practices. With an A+ rating at the BBB, the positive reviews should look like the negative, 92% positive.
My complaint: As of this date, we have experienced one “at-fault” accident and four “not-at-fault” accidents over a three-year period. We did the right thing on each one of these accidents and reported all of them to Ameriprise. I called them to add a car and found out that they will not renew my policy because of the five accidents. Then someone from their office called me a day or so later to tell me the same thing. At least I received notice in time to look for another company. This means they only paid for one damage claim totaling about less than $750. My premiums over the last three years have more than paid for the one claim they paid.
Their ads claim they reward loyal customers. Even their own CEO says, “We're obsessed with customer service!” and “Our exceptional service also comes with the peace of mind of knowing that you're working with a quality insurer.” They will not renew my policy for accidents I had no control over? This does not even come close to resembling a reward to loyal customers. They actually punish them for making claims even if it does not involve them paying for the claim (“not-at-fault” accident covered by the hitters insurance). This looks to me like false advertisement and draws into question their integrity.
When I reported the first “not-at-fault” accident, I asked the person (Cathy) if this would affect my insurance in any way and she said something like no not at all. Apparently, that statement does not rings true. I again asked the same question when an uninsured driver hit our car and again I had the person on the phone say something like not at all. Now they say the nonrenewal comes because of the number of accidents in a three-year period. Therefore, the accidents do effect my insurance, again calling into question their integrity. With Ameriprise honesty and loyalty on the part of customers generates the reward of nonrenewal.
When I asked the customer representative who called me to tell me about the nonrenewal, why they counted “not-at-fault” accidents she said, it means that you pose a risk of committing insurance fraud. Excuse me! Therefore, they will not renew us. She told me they could not do anything about it. So much for supporting loyal customers. This amounts, in my opnion, to unethical profiling and slanderous accusations on their part. They did not look at the facts of the accidents and treated us like numbers not customers and living breathing humans. So much for the CEO’s statement, “Our exceptional service also comes with the peace of mind of knowing that you're working with a quality insurer.” Sorry Tom Ealy, it appears you believe this but the rest of the company does not. I went out of my way to provided them all the details of the accidents and even provided, in the two cases when we made police calls, the report numbers that the hitting party received tickets. I had to get this for them, as they would not take the initiative to contact the police themselves. In addition, we have not had any citations for over 5 years.
Note that I had to provide all the information for these accidents to include getting police reports (twice because claims apparently did not enter any of the information when we initially call it into Ameriprise the first time). I believe we proved our integrity as honest responsible drives and not committing any form of “insurance fraud” as suggested by them.
I have spoken to the company in response to the BBB complaint I filed and they respond with the rhetoric I expected. They argued about what was said and again told me the decision was final. That was a wasted call on their part. I have not seen any complaints against them show a positive resolution posted by the original complainant.
On this company, I can only say “caveat emptor” “Let the buyer beware”. So sad, it use to be a good company who cared about their customers, but not anymore.
I have had auto insurance through Ameriprise for the past 20 years, and never had any problems. But I never had an accident either. When I bought my first home I chose Ameriprise for my home insurance because I believed that they were a good company.
I have had a claim with them for the past 9 months that I have been fighting for them to pay. I have had contractors tell me that it is a covered loss, I have neighbors with similar problems and their insurance companies have sent help the same day and took care of the problem.
Unfortunately, I have received only adamant refusals to investigate or pay my claim. My policy clearly states that the loss is covered, and when presented with this information they come back with unrelated details that are taken out of context and continue to tell me that it is not a covered loss.