Complaints

This profile includes complaints for Pearl Holding Group, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Pearl Holding Group, Inc.

  11575 Heron Bay Blvd STE 300 Coral Springs, FL 33076-3304

• 

  Pearl Holding Group, Inc.

  PO Box 452799 Sunrise, FL 33345-2799

• 

  Ocean Harbor Casualty Insurance Company

  2549 Barrington Cir Tallahassee, FL 32308

• 

  Pearl Holding Group

  P.O. Box 141149 Irving, TX 75014

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:10/18/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 06/07/2022 I was involved in a car accident. Ocean harbor casualty ( pearl holding group) was my insurance company. I had insurance with them from September/21 until September/22. I filed a claim and was given total loss package paperwork on claim: s3260442-01-7350. The company appraised a settlement of $1962.90 after a $1000 deductible. I did tell them I wasn't satisfied with it and was told I had to get my own appraisal. I tried and wasn't finding anyone to help. I contacted a lawyer ( at first to try to get something from the uninsured driver who rear-ended me), but asked for help with that also. I thought they would have their own appraiser. I was wrong and after a month was told they couldn't help me with either situation. I filed the paperwork for the total loss last month. I mailed it and my title to the insurance company. I haven't heard any response about that paperwork and have been trying to get in contact with them. It's difficult. I did get some emails form someone there, but it wasn't my original adjuster. I mailed ,faxed, and emailed another copy of the paperwork last week and have had no response. This accident has really put me in a spot. Now I need the settlement more than ever and have not been contacted.

  Business Response

  Date: 10/21/2022

  PEARL HOLDING GROUP
  P.O. Box 452799
  *******,**  33345-9966
  _________________________________________________________________________________________
  Date: October 21, 2022          
  DISPUTE RESOLUTION SUPERVISOR
  BETTER BUSINESS BUREAU
  SERVING SOUTHEAST *******
  4411 *************, SUITE 4
  ***************, *******  33407
  
  RE:      Claim No                     :           S3260442-01-7350 COLL
              Our Insured Name      :           *********************************** ****
              Case No.                      :           ********                    
              Your File Name           :           *********************************** ****
  
  Dear Sir/Madam:
  
  I must respectfully submit that Ocean Harbor Casualty has settled this claim.  Ocean Harbor has deemed ********************** Sohms vehicle to be a Total Loss.  Enclosed is our offer sent on 07/01/22 for the Total loss value of ********************** Sohms vehicle of $3,198.90, including sales tax and tag transfer fee, based on the enclosed CCC Report, less a $1,000 deductible, and less $237 of storage and towing fees above the policys $300 provision for same, for a net of $1,961.90. Under the terms and conditions of ********************** Sohms policy, Part IV-Coverage for Damage to Your Covered Auto, Page 15, Limit of Liability, Section D., she is entitled up to $300 reimbursement for towing and storage.  ********************** **** signed the Proof of Loss, accepting our offer. 
  
  Regarding the value of the vehicle, the CCC report is a report that is standard in the industry and has been recognized by insurance companies as a tool to determine the true market value of the vehicle. The ********** of ********* Services has approved its use as a tool for insurance companies to determine the market value of a Total Loss.
  
  Upon procure the properly executed Total Loss documents, payment was made.  The ********** of ***** Vehicles is strict as to how the documents are completed and in what form they are sent to them.  They will accept all original documents sent via mail or all documents DocuSigned. They will not accept some sent one method and some sent the other.  They will not provide a salvage Title unless correctly executed.  The delay in settling this claim was due to the proper completion of these forms.  We received the correct documents on 10/20/22.
  
  Enclosed is a copy of our check issued to ********************** **** today.
  
  
  Respectfully,
  
  
  *****************
  Claims Vice President
  **********************

• Initial Complaint

  Date:10/04/2022

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My daughters car was hit in a parking lot by a woman. Instead of doing the right thing, this woman reparked away from my daughters car then got scared and left. My daughter had an eyewitness who took a picture of this womans car and plate. My daughter immediately notified the police and a report was made. Well after no one bothered to call my daughter back I got involved and a letter and email was sent from pearl holding company stating the thier client was never in an accident so the claim will be denied. Um hello? There was an EYEWITNESS and my daughters car has damage. I appealed this and it took them 3 weeks to respond to me with a statement that ***** insured was never in a wreck. Im looking into taking legal action against this shotty company that should not even be in business. Its called a claim for a reason and it needs to be looked into and investigated.

  Business Response

  Date: 10/05/2022

  The information provided is not enough to locate a claim in our files.  I need name of claimant, name of insured, claim number, or other identification.  The name, address and phone number of the mother is not sufficient.

• Initial Complaint

  Date:09/20/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was in a accident on Oct 7, 2021 in which my car was totaled and I was injured. Its been over a year now and Im still without transportation. I have since received letter from them stating that my car as a complete loss and wanted to settle the matter and that was the last time I heard from the company. I sent multiple emails, I called and I send letter to no resolve. I need help getting this company to pay for my loss. Company : OCEAN HARBOR CASUALTY Policy #:P020053603701 Claim # : S31W0705-02-1250 Insured : ********************* Claimant : ************************** A Date of Loss : 10/07/2021

  Business Response

  Date: 09/20/2022

  PEARL HOLDING GROUP
  P.O. Box 452799
  *******,**  33345-9966
  _________________________________________________________________________________________
  Date: September 20, 2022      
  DISPUTE RESOLUTION SUPERVISOR
  BETTER BUSINESS BUREAU
  SERVING SOUTHEAST *******
  4411 *************, SUITE 4
  ***************, *******  33407
  
  RE:      Claim No                     :           S31W0705-02-1290 PD
              Our Insured Name      :           *********************
              Case No.                      :           ********                    
              Your File Name           :           *************************
  
  Dear Sir/Madam:
  
  I must respectfully submit that Ocean Harbor has deemed **************** vehicle to be a Total Loss.  We accept 100% of the liability and property damage to his vehicle regarding this loss.  Enclosed is a copy of our offer sent on 07/17/22 of $3,270.70, for the pro-rata share of the $10,000 property damage limit of our insureds policy that ************** is entitled to as a result of this loss, provided that there is no cost to pick up the vehicle. This offer was based on a pro-rated amount of the value of **************** vehicle of $7,437, based on the enclosed CCC, plus $210 added for loss of use of 7 days at $30 per diem, to the total amount of all losses, which was reduced from $7,647 to $3,270.70 due to the $10,000 property damage limit on Mr. ******* policy, as we attempted to make a global resolution on behalf of our insured.  The damages to all the vehicles resulted in total damages of $19,955.79, exceeding the $10,000 limit of Mr. ******* policy.  A breakdown of the pro-rated amount based on the Total Loss value of **************** vehicle is enclosed in our offer.     
  
  Regarding the value of the vehicle, the CCC report is a report that is standard in the industry and has been recognized by insurance companies as a tool to determine the true market value of the vehicle. The ********** of ********* Services has accepted its use as a tool for insurance companies to determine the market value of a Total Loss. 
  
  Settlement was delayed as a result of not receiving supports from all of the claimants.  This loss involved several vehicles, and we attempted a global resolution on behalf of our insured.  We needed to evaluate the damages to all the vehicles as the result in total damages exceeded the limits of the policy.
  
  In accordance with Statute ******, the insurer, Ocean Harbor, must apply for a Certificate of Destruction.  Ocean Harbor is unwilling to apply for the Title in its name without having possession of the vehicle (as it is a dangerous instrument).
  
  Once we obtain possession of the vehicle with keys, a Property Damage Release will be sent to ***************  Upon receipt of the executed release, along with properly completed Total Loss documents, a lien-free Title, we will issue payment.
  
  
  
  Respectfully,
  
  
  
  *****************
  Claims Manager
  **********************

  Customer Answer

  Date: 09/21/2022

   
  Complaint: 18050506
  
  I am rejecting this response because: this was the offer received from Them. That new document I never seen before or received a copy of. I have tried to contact these ppl on numerous occasions to no Avail. They sent me this document back in march and that was the lost thing I got and no matter how many emails I send or calls that was made they never contacted me. I need this matter resolved. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 09/23/2022

  The documents ************** claims not to have received are all attached to my previous response.

  Again, Once we obtain possession of the vehicle with keys, a Property Damage Release will be sent to ***************  Upon receipt of the executed release, along with properly completed Total Loss documents, and a lien-free Title, we will issue payment.  

  We must obtain possession of the vehicle before documents are sent.

   

   

  Customer Answer

  Date: 09/28/2022

   
  Complaint: 18050506
  
  I am rejecting this response because:
  I do not have possession of that vehicle the accident was on 10/07/21 it's almost a year and trying to communicate with this company as being a nightmare from the beginning. I have my title and a certificate of Destruction. Now they want to pay me less than half of what my car is worth and what it to be contingent upon picking up a Vehicle almost a year later. 
  Sincerely,
  
  *************************

  Customer Answer

  Date: 10/10/2022

  Here is the information that you requested. 

  Business Response

  Date: 10/13/2022

  In response to your statement in this last rebuttal that you have possession of a Certificate of Destruction, we are sending you a Release for $3,270.70 via mail and email.  Upon receipt of the signed Release and a copy of the Certificate of Destruction, payment will be made.

  Customer Answer

  Date: 10/15/2022

   
  Complaint: 18050506
  
  I am rejecting this response because: I am not closing this case until everything it final. I received the Release of property Damage Claim form, I sign it and mailed to along with a original copy of the Certificate of Destruction to the address provided to me. Pearl Holding Group
  P.O. ************************************************. Now Im waiting on them to provide me with payment. 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 10/20/2022

  PEARL HOLDING GROUP
  P.O. Box 452799
  *******,**  33345-9966
  _________________________________________________________________________________________
  Date: October 20, 2022          
  DISPUTE RESOLUTION SUPERVISOR
  BETTER BUSINESS BUREAU
  SERVING SOUTHEAST *******
  4411 *************, SUITE 4
  ***************, *******  33407
  
  RE:      Claim No                     :           S31W0705-02-1290 PD
              Our Insured Name      :           *********************
              Case No.                      :           ********                    
              Your File Name           :           *************************
  
  Dear Sir/Madam:
  
  I must respectfully submit that Ocean Harbor has received the necessary forms from ************** and payment has been made today. Enclosed is a copy of our check for $3,270.70 issued to ***************
  
  
  
  Respectfully,
  
  
  
  *****************
  Claims Vice President
  **********************
  

• Initial Complaint

  Date:09/19/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a property damage claim with them after being in an accident with one of their insured, in which my car was totaled. This accident happened on June 17th 2022, and the claim was put in the following day. My car was appraised on Saturday June 18th. They have had a pending payout amount since then. This is all the information Ive been able to get from them. I do not know the amount, all I know is that there is a payout pending. I have not heard from the adjuster even once, although I have reached out to her directly with her phone extension and email. I have only heard from other people in the company, about 3 times total. My totaled car has been sitting in my yard since the day of the accident, for over 3 months, which is far from ideal.

  Business Response

  Date: 09/22/2022

  ************ is not the owner of the vehicle that was damaged in this loss, she was the driver.  Please have ************ inform the owner of the vehicle, that we will willingly handle the property damage claim with the owner, upon the owner contacting us.

• Initial Complaint

  Date:08/25/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I submitted a complaint to this company due to a car accident. Their customer/client crashed my car. I have a police report. This company sent me a letter/docusign to my email with my last name spelled wrong. I'm not in agreement with the first paragraph in where the company states that they are not responsible for the damages. The terms in the letter are not clear. If they don't respond immediately, I will take legal actions.

  Business Response

  Date: 08/26/2022

  The letter ****************** is referring to is our Mitigation letter.  It states we are not responsible for any property damage, loss of use, storage charges, or rental expense incurred as a result of his failure to mitigate his losses.  This is in accordance with tort law.  The claim is currently under a Reservation of Rights due to our insured's lack of cooperation in the investigation of this loss.  If ****************** has a copy of the police report he should send same to us as it will expedite the investigation of this loss.

  Customer Answer

  Date: 08/26/2022

   
  Better Business Bureau:
  
  I havent received the Mitigation Letter with my name correct.

  Name:
  *************************************

  Email:

  *********************

  I have attached the document that I received from the Police the day of the incident. 
  

  I would appreciate your help with this matter.

   
  Sincerely,
  
  ***************************