COPY OF COMPLAINT FILED WITH WA ATTORNEY GENERALS OFFICE I believe that Travelers Insurance Company has taken illegal collection action against my company, Access Real Estate Services. While a charge was under dispute, Travelers Insurance sent my account to a collection agency without warning. The letter I received from the collection agency is attached. Prior to receiving the letter from the collection agency, there was confusion between myself and my insurance broker at the time Rice Insurance concerning the need to complete a Travelers Insurance Workers Compensation Audit. The policy in question was for an employee living in Colorado. Colorado requires that we have a workers compensation policy for employees working from their state. I knew the Colorado employee was moving to Washington within a little more than a month of the new policy period. So, I saw no need to spend my time completing audit paperwork for a policy that I was going to cancel soon. I was never informed of the importance of completing the audit paperwork by my previous insurance broker. This event led to my firing Rice Insurance after I received a bill from Travelers that I did not understand. Following the receipt of the bill from Travelers I contacted them and was informed that the audit paperwork needed to be completed. I completed this paperwork and did not hear from Travelers Insurance company after our latest email exchange on July 24, 2020. As you can see in my response to Travelers Insurance I sent my response to auditsupport@***.com. The response I received was another bill without an explanation. At this point, I was beyond frustrated with the situation and called Travelers Insurance again. I was unable to reach any kind of understanding with the numerous people I talked to on the phone and informed them I considered their bill illegitimate at that time. Some important facts to note: 1. At this point in time I had paid Travelers Insurance for the entire coverage period for 10/24/2018 to 10/24/2019 in the amount of $423.00. 2.At this point in time I had paid Travels Insurance for the entire coverage period for 10/24/2019 to 10/24/2020 in the amount of $431.00. 3.The latter policy period was cancelled on December 3, 2019. 4.I was expecting a refund from Travelers Insurance for the unused policy period. I then received another bill from Travelers without explanation how they arrived at the amount they claimed our company supposedly owed. I again called Travelers Insurance and was unable to reach any form of understanding with them as to why they were claiming our company owed them anything. Following this exchange, I filed a complaint on the Travelers Insurance contact us page via the internet. Shortly following that complaint, I received the attached letter from Windham Professionals (collection agency). I responded by contacting the collection agency and letting them know the amount is under dispute. I also contacted Travelers Insurance again and had another unsuccessful attempt to resolve the issue with them. I pretty much demanded at this point that someone capable of explaining this to me contact me. This morning I received a call from Travelers Insurance during which I was informed that the policy I had purchased had some kind of nonrefundable clause, so I was not due a refund for the policy period 10/24/2019 to 10/24/2020. However, I did not receive any explanation as to the amount they claimed I owed other than it was related to the audit for the period 10/24/2018 to 10/24/2019. As I stated above, Travelers Insurance failed to respond to my email on July 24, 2020 and has never communicated with me about the audit results. I want Travelers Insurance to provide a copy of the policy agreement with my signature on it that clearly exhibits this nonrefundable clause the person I spoke to this morning informed me of because I have no such paperwork in my possession. I also want Travelers Insurance to provide a written explanation that explicitly demonstrates how they resulted in the amount they claim I owe, $155.00. Until such a time that I receive that information, they should discontinue their attempt to collect a debt I consider under dispute. The Travelers Insurance policy number is Ub-0L042641. Travelers insurance phone number is 800-252-****. Thank you for your assistance.