American Plumbing Contractors, Inc.

[redacted]
This letter is in response to the subsequent complaint received on September 30, 2014.
Nationwide has previously made the decision to reverse the cancellation with no lapse in coverage on the above referenced policy.  [redacted] is contending that he does not want the policy reversed due to obtaining coverage elsewhere. 
In the original complaint [redacted] stated he did not want the DMV lapse on his motor vehicle record.  In order for Nationwide to remove the lapse from his record the policy would need to be reversed to show no lapse in coverage.  If coverage has been obtained elsewhere, Nationwide would cancel the above policy effective the date [redacted] obtained other coverage, which would in turn eliminate the lapse on his record. [redacted] will need to provide proof of duplicate coverage, so that our records may be adjusted. 
If you require further assistance, please contact our Customer Relations Coordinator, [redacted], at ###-###-#### or by email at [redacted]
Sincerely,
[redacted]
[redacted]
Nationwide Insurance
###-###-####
[redacted]
Fax #: ###-###-####

I have reviewed the response made by the business in reference to complaint ID #######and find that this resolution is satisfactory to me. However, the the business is still being dishonest about the amount of time that it took to process my refund.  The policy was cancelled on 6/20/2014 and my card was not credited until 7/11/2014. I have attached screen captures of my policy cancellation confirmation email and my online refund posting.
Regards,
[redacted]

[redacted]     [redacted]                       [redacted]
          [redacted]       [redacted]
            [redacted]       [redacted]
          [redacted]                          [redacted]
          [redacted]                              [redacted]
          [redacted] 
In response to [redacted]’s response of September 12, 2014 I offer the following: 
[redacted] indicates that she showed [redacted] the back alley and the area her neighbor had altered (in the previous communication [redacted] indicated [redacted] refused to inspect this area) and that not all the water damage she sustained came from the sewer, but that water leaked through her exterior door, unfortunately this would be excluded under the Homeowners policy on Page 14 under exclusions A.
We do not cover loss directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether or not the loss results in wide spread damage or affects a substantial area. 
3. Water Damage
    Water Damage means:
Flood, surface water, waves, tidal water, overflow of a body of water, or spray from any of these, whether or not driven by wind:
Water or water-borne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment; or
Water or water-borne material below the surface of the ground, including water which exerts pressure on or seeps or leaks through a building, sidewalk, driveway, foundation, swimming pool or other structure;
  Caused by or resulting from human or animal forces or any act of nature. 
[redacted] goes on to state that there are exceptions which she believes provides coverage for her loss. [redacted] is citing policy language under the Exclusions portion of the policy, which start on page 14 and continue on page 15 of the policy. There are two main sections of exclusions A and B. Items under section B will provide coverage for ensuing damage if not excluded in section A.
[redacted] discusses her second claim which was called in regarding water damage to her ceiling. This was in fact a second claim and hence the second claim number. 
In the next section, [redacted] goes on to mention the words “exceptions” and “exclusions” having the same meaning. On Page 10 of the Policy the following language is included.
Section 1 –Perils Insured against
This section also contains exceptions to or exclusions from coverage
In the above example, both do in fact mean no coverage is available. 
With respect to the available coverage, as mentioned in this letter as well as my previous communication, there is no coverage available under the Homeowners policy for the damages [redacted] sustained, the only coverage available would be if this water did in fact back up through her drains, if this is the case then the endorsement 12669 would come into play and afford a maximum of $10,000.00 in coverage. 
In the final paragraph [redacted] asks “where on the sewer back-up endorsement rider does it state that all other provisions of the policy are cancelled out”. As previously mentioned, the Homeowners policy specifically excludes the damage [redacted] sustained, the endorsement, 12669 provides coverage for a stated amount, in [redacted]s case a total of $10,000.00.
 As mentioned above, we have paid the limit available for coverage on this policy and there is no further coverage available under this claim. 
Please contact the undersigned directly with any questions on this matter. 
Sincerely,
[redacted]
Nationwide Insurance

[redacted] 
This is in response to your November 3, 2014 correspondence concerning the above captioned claim.
We have completed our investigation into this matter. We have determined that our insured conformed will the operating guidelines outlined by the National Fire Protection Association. These guidelines are used by local governments when creating codes for fire works displays and in permit requirements. Our insured uses these guidelines when planning their displays, and when obtaining permits.
The guidelines outline the debris radius in relation to nearby structures. The debris radius, per inch of shell, is 70 feet. Our insured utilized 8 inch shells on the date of loss. Therefore, to meet the guidelines, the launch zone would need to have been more than 560 feet from the nearest structure in all directions. Based on the location of the display on the airport property, our insured’s display was almost twice the required distance from nearby homes.
Based on this information, we have issued a denial of liability to the claimants. The reasons for our denial are outlined in the letter. We are enclosing a copy of the denial letter for your file.
Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], at ###-###-#### or via email at [redacted]
Sincerely,[redacted]
###-###-####[redacted]

We have agreed to remove policyholder's son, [redacted], since he lives at a different address as shown on his driver's license. A second proof of residence for [redacted] such as utility bill, voter registration, or tax records has been requested per our standard procedure. A note has been sent to [redacted] in agent's office to remove [redacted] as a driver.  [redacted] can contact his agent if he has any further questions.
Sincerely,
[redacted]

[redacted]
 
[redacted]
[redacted]
[redacted]
[redacted]  [redacted]
 
[redacted]...

                       
[redacted]
[redacted]                
 
[redacted]
As requested, I am providing a written summary of Nationwide’s position in regards
to [redacted]’s automobile policy. If I do not provide the information you need for this matter, please do not hesitate to let me know.
On July 9, 2014, [redacted] purchased an automobile policy online at Nationwide.com. The policy was requested with an effective date of July 17, 2014. Later that day, [redacted] called our Customer Service Team and requested to have the effective date changed to July 9, 2014. A request was sent to underwriting for approval on this change. In the meantime, [redacted] spoke with another representative who identified that her prior policy had cancelled on July 8, 2014, leaving her with a lapse in coverage. As a result, she was informed that she would not qualify for the standard product that had been purchased. At this time, [redacted] requested the policy be cancelled effective July 17, 2014.
[redacted] was transferred to our Retention department to discuss the issues and request the cancellation. Our agent [redacted] advised [redacted] that refunds are automatically held for 14 days on any new policy. [redacted] then advised he would send a cancellation form by email for her to sign and return so the cancellation could be processed.
On July 17, 2014, [redacted] called back to Customer Service to check the status of her policy and refund. She was advised the policy was still active and was transferred to [redacted] to get more information. [redacted] advised that he did submit the cancellation documents to the processing team and that it takes a while to have this completed. [redacted] reminded [redacted] that he had previously provided her a timeframe of two weeks. [redacted] explained that this timeframe of 14 days is in regards to the refund being held. He advised he was not sure when the refund would be issued as the cancellation had not been completed. [redacted] became upset as this information was not disclosed when she requested the cancellation. She obtained contact information for [redacted]’s Supervisor and then disconnected the call.
On July 18, 2014, the cancellation of [redacted]’s policy was processed with an effective date of July 17, 2014. A refund of $56.42 was initiated on July 22, 2014, but would have been held for an additional 14 days before being mailed to [redacted], per our guidelines for cancellations of new business.
Due to the delay in processing the cancellation and having received confirmation that the original electronic check payment was honored, we instead processed a recall of the $56.42 down payment to [redacted]’s bank account. This was completed on July 22, 2014. [redacted] was contacted and informed of the action taken and advised that the funds should show in her account in 24 to 48 hours. We also apologized for any frustration she experienced as a result of the processing delay. It is our understanding that this matter has been successfully resolved to [redacted]’s satisfaction.
If other information is needed, please let me know.
Sincerely,
[redacted]
[redacted]
Nationwide Insurance

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Thank you for contacting Nationwide Bank regarding your closed loan account.
I apologize for the frustration you experienced during the phone...

conversations with our
lending department and for a supervisor not returning your call per your request.
First, I want to address the dates on the overage check and the attached letter. The
payoff check from the dealership posted to your Nationwide Bank loan account
########) on July 11, 2014, with an effective date of July 7, 2014. However,
please have peace of mind that with the payoff reflecting an effective date of July 7,
2014, interest stopped accruing as of that effective date. The overage check, in the
amount of $99.35, was released ten business days after the payoff check posting. This
allows us time to verify payoff funds prior to releasing funds. Therefore, the letter
attached to the overage check reflects the tenth business day which was July 24, 2014.
For accounting purposes, the overage check is generated and dated for the date the
loan balance is paid in full, which was July 11, 2014. Nationwide Bank was within their
service level agreement.
Second, the phone conversations that took place between you and our lending
department dated July 11,2014 and July 24,2014 were reviewed. On July 11, 2014,
the lending representative confirmed that the payoff from the dealership had been
received. You were not provided with a reason as to why the payment was taken from
your external account, but were informed that you would receive a refund check. There
was no mention when the refund check would be sent.
On July 24, 2014, it was explained that the refund check would be sent ten business
days after the loan is paid in full and closed. You were told that the check would be
mailed on July 28, 2014. You asked to speak to a supervisor and after waiting on hold
for several minutes, you were transferred to a supervisor's voice mall. Unfortunately,
the supervisor has been out of the office due to personal reasons and unable to
return your call.
I apologize that the lending representative did not provide you with an expected date to
receive the overage check and that another supervisor did not contact you. Your
feedback was provided to the appropriate manager in order for training and coaching to
be provided. We appreciate your feedback and will continue working on improving our
customer's experience.
If you have any further concerns, I can be contacted at ###-###-####, Monday - Friday,
8:00 AM - 3:00 PM, EST.
Thank you.
Sincerely,
[redacted]
[redacted]

I already sent an answer about 2 weeks ago!
Nationwide auto in finally paid me the illegal $5.00 fee they owed me since Feb. 2014, for pretending I had never made a Feb. premium payment -- when they had already fraudulently deposited it in an employee's account. They finally send me the $6.00 investigation fee I paid last March to half the federal government prove what bank account they deposited my Feb. payment in.
Wow, how do I get Nationwide to reverse the fraudulent damage they did to my payment history?
[redacted]
Oct. 21, 2014

Some documents and photos were sent via UPS with hope they clarify some points.  I have hundreds of pages of work orders, receipts, photos (the tree branch [redacted] lifted with one arm), and correspondence with local and state government agencies.  The complete report is being compiled for FEMA as they have an interest in why my insurance provided no coverage.  I will cut to the sections I have sent via UPS.
Section #1:  AT&T report of tree branch hitting house.  Knocked box into an open position.  This box was damaged by impact.  This box was installed in August 2013 when I switched from Comcast to AT&T.  The technician came out, and installed new box on 9-22-14.  He left the damaged box on the air-conditioning compressor for [redacted] and [redacted] to see.  I did ask [redacted] and [redacted] to photograph this damaged box.  It was not included in [redacted] or [redacted]'s report.
Section#2:  Some photographs of my home taken during an inspection on 6-30-14.  These photos were given to Detroit Water and Sewerage, FEMA, DIFS, Nationwide; and shown to two representatives of Detroit Building and Engineering, City Council Representative from District 3 (who knows this property well), and to other agencies and people.  Many people and workers have been in this house.  My family consists of teachers, authors, nurses, business owners, surgeons, engineers, artists and other professionals.  This is a family home, and it has been maintained, and visited.
Section #3:  First picture is Laundry area on 6-30-14.  Second picture is result of water damage from area impacted by tree branch above.  Water came in cracks, and saturated the electric panel.  When the original panel was lifted, it was noted that the wall beneath was saturated.  Black spots on pink and grey areas of upper wall are mold bloom.  When Adjuster [redacted] visited property on 8-14-14, these wall areas were badly discolored.  By [redacted]'s visit on 9-3-14, the wall looked like this.  None of the photos I made [redacted] take are included in [redacted] or [redacted]'s reports.  Third picture is mortar effervescence.  Hydraulic cement had to be poured through the holes in the top of these structural stones to capture and eliminate the water that had filled the wall from above the level of the foundation.  These mortar joints needed to be ground out twice to eliminate the effervescence.  Also need for exterior excavation.  The water did not enter from the foundation.  The water entered through the center of the foundation from the large mortar cracks outside.
Section #4:  My backyard on July 1, 2014.  Second picture is part of the collapse of my stone and cement walkway.  Center of yard was a pool.  I could not get out of house because I could not walk through water to get to my car.  I am crippled in my left leg and foot.  When I told [redacted] and [redacted] about water lines on the basement windows, I did not mean there was water that high in yard.  There was nothing about grading or anything else about yard that would make water stand alone at that height.  The water passing through yard because of neighbor's re-grading was being blown up to wall.  But, I have had this discussion about static flooding in previous reponse.  Water damage to interior walls began four feet above ground as evidenced by staining around first floor bedroom window where bedroom floor was also soaked.
Section #5  Statements given to [redacted] about rear neighbor re-grading the back alley.  This re-grading caused pooling in center of back yard as well as torrent of water to west end storm drain of side alley.  Because side alley drain became overwhelmed, standing water was pushed through my side door by wind.  The epoxy floor installed in my garage in 2013 was also damaged by this side alley flooding.
Section #6:  Reports were filed with City Ombudsperson, Detroit Water and Sewerage, the City Assessor, and other agencies about the actions of [redacted] of [redacted] (the rear neighbor).  With great effort, I did walk [redacted] and [redacted] down my side of the street.  I pointed out to [redacted] and [redacted] that all of the garages on my side of the street were tilted because of [redacted] building a hill in the back alley, and running a ditch behind my neighbor's garages.  I did point out that all of the garages on the west side of the street looked like they were built in the last ten years.  I did add that many of those nice looking garages hadn't even been painted in the last 50 years...yet they look nice.  I did also walk [redacted] and [redacted] across the street to see what an alley grade should look like.  
Section #7:  The condition of my winter bedroom on 6-30-14.  The X marks the area that has yellowed.  This room was painted in 2012 with three coats as witnessed by [redacted] of [redacted].  The X also marks the spot where the tree limb was found.  It also is just above the AT&T box and electric panel.
Section #8:  Some [redacted] workers doing preliminary repairs.  They are re-attaching stones that fell off wall.  These areas were left to set up until 9-21-14 when Mr. Mortar returned to grind out discolored mortar.  These ground out sections did then have to sit for several days while exterior excavation began so water would be released from being trapped in wall.
Section #9:  Although Adjuster [redacted] was shown many areas of damage, he did not catalog, document or photograph.  Because of the unattended water in this back wall, great humidity developed in the basement.  This humidity caused both the buckling of this wood (this worsened as days passed...there are other photos), the bowing of the rear wall (structural stone), the bowing of the wall in the stairwall, and the cracking in the drywall.  [redacted] believed the house had to shift.  No-one else (including FEMA) agrees with [redacted].  This buckled portion was shown to [redacted] on 9-3-14.  I asked him to photograph it.
Section #10:  The [redacted] showed up on property on 1-25-2011 to inspect for Allied.  They did not like the trees, so I spent $2000 to have them removed.  Other than that, they found the house to be in "acceptable condition".  On the second page, they listed: "Reconstruction Cost w/o Debris Removal $254,349".  Pictures of this inspection show no issues with maintenance or "age and deterioration".  No issues are sited about "grading".
Section #11:  This is the Laundry area where mold broke out on upper walls and heavy discoloration happened to mortar joints.  Heavy plastic tarp was stapled and taped to both the ceiling and floor.  The masons needed to wear expensive mask equipment to do this job.  The vented glass blocks had to be opened with extruding fans placed outside of these vents to draw dust out while grinding took place.  There was one slit for exit where [redacted] stood at the time of the inspection.  There was no other way in or out.  This plastic came off a massive, continuous roll.  This area was only 6 feet wide as the area in front of the workbench was where the tarp was stapled.  The staples are still in the ceiling.  I am leaving them in place until FEMA comes back out.  I stood midway in this area where the X / arrow is placed.  [redacted] was at the XX, or far back corner.  [redacted] was supposed to be measuring the back wall.  When he activated his laser level, he directed it at a 30 degree angle away from the back wall, three feet above the area he was to measure, and directly into the corner of my left eye at the 8 o'clock position.  This laser beam pierced my eye upward from 8 o'clock position on the outside of my eye to 2 o'clock position of nose side of iris.  It felt like a needle had pierced through my eye, and despite my crutches, I nearly fell from it.  He said, "oops".
Section #12:  The section of my policy that I have asked explanation of since Adjuster [redacted]'s visit. 
Page 8 of 28 "Collapse".  The window well did collapse into the pipes of the laundry basin.  It was pushed back into place.  So much water flowed from above this area that the cement got saturated.  In [redacted]'s report, he shows one of Adjuster [redacted]'s photos of this area.  I am in the picture.  I am on platform crutches, and have a cell phone in my hand.  I did take photos of how this window well and attached structural stone lifted with no effort with the application of turning a putty knife.  I asked Adjuster [redacted] to photograph what I was showing him, but he, like [redacted], [redacted], and [redacted] must have just pretended to photograph as none of these things appear in any of their reports.  Several structural stones fell out the wall, and had to be replaced.  
Page 12 of 28 "Windstorm or Hail".  Adjuster [redacted] stated in his inspection report that the cause of my damages were "Wind".  Yet, I was only paid for sewer back-up.  There was an opening in my wall.  Mortar was missing.  [redacted] and [redacted] were told that the condenser cabling was inspected by Andy's ARS technician Eric on 6-20-2014.  That the air-conditioner condenser cabling was installed and mortared in 2010.  Yet, [redacted]'s report lists this missing mortar as caused by "age and deterioration".  It was four years old, and there is a big chunky hole there now.  I asked [redacted] and [redacted] to pull the stuffing out of the wall to see the depth of these cracks.  Why didn't I do it myself?  I am crippled.  Plus, these two men were absolutely ignoring everything I said to them.  Besides, there is nothing in this policy language about "old or new cracks".  It just says an opening in the roof or wall.
 AT&T recognizes that something impacted their equipment.  [redacted] and [redacted] brag that [redacted] could lift the branch with one hand.  I have photos of a tree branch that is at least 12 feet long.  Laws of physics would dictate that [redacted] would need two hands to actually lift.  In another report (either Revdex.com or DIFS), [redacted] says [redacted] could"pivot" the branch with one hand.  That is entirely different than "lifting".  The way the wind was blowing on August 11, a penny could have hit the wall and damaged it.  My policy does not state how or why an opening in the wall exists, but it does state that I have coverage if wind drove water through an opening.
Page 9 of 28 "Decay that is hidden from view".  I did not know of a mortar issue.  Andy's ARS didn't know of a mortar issue.  There is a second picture in [redacted]'s report that was taken by Adjuster [redacted].  It is of the rear of the house.  Had I seen this photo sooner, I would have discovered the tree branch sooner.  There was no big bush in the right hand corner by the damaged bedroom window.  the area surrounding the compressor was always kept clear.  Of course, the first month after this storm, I could not leave my house as my wooden side door was so swollen from humidity that it would not close.  I had to remain in a house where I had no hot water, could not cook, had no air conditioning and no laundry.  I developed a bronchial infection, and when I thought things might start to get better, I get shot in the eye with a laser level.
Sections #13, 14, 15:  [redacted] and [redacted]'s reports in which I noted that everything I told these men was completely ignored.  Half of what I asked to be photographed was not included.
Section #16:  What my leg looks like when I am forced to be on my feet for longer than I can physically endure.  
Partial Summary (I am conserving my energy and documents to be presented to FEMA in entirety):  My home was not livable for the first month following this storm.  The heat and humidity were unbearable.  I could not cook because I had no hot water.  I could not bathe.  The house could not be secured because the side door was swollen.  I lost at least 10 pounds which did not help me.  The only weight problem I ever had was trying to keep weight on.  During that time, I spent money and did all the work I could manage myself to keep further damage from happening.  With two exceptions, everyone I hired treated me with kindness and compassion.  [redacted] and [redacted] are one of the exceptions.
As the weather turned cold, the house was unbearable to me.  I am anemic.  I also feared pipes might freeze as several nights were at freezing temps. I spent $1000 on space heaters, but they didn't help much.  Because of repeated attempts to control fungi bloom on upper walls, I could not justify having the furnace installed.  Applications of hydraulic cement had to be applied.  If it bloomed, it had to be chiseled back off, and re-applied.  Week after week, I had to postpone the furnace installation.  I did not have heat until October 23.  The washer / dryer could not be installed because of the wall behind their placement.  All effort was directed at that wall.  The washer / dryer were installed on October 24.  However, the side walls are still not controlled completely.  Until these side walls are abated, the alarm box cannot be placed back on the wall.  Once again, I have to make sure that someone watches the house when I go out.  That usually costs me money.   Through this entire time (August  11 to October 20), I had to spend 4 hours twice a week at a laundromat, on crutches, to wash only the basics.  
The mortar grinding (despite the heavy tarps) caused such a dust through my home.  I had the ducts cleaned, but need an additional cleaning as running the furnace is an important step to duct cleaning. The carpet through my home is filthy.  It is 7 years old at most.  The humidity of the earlier time has caused the whole house to have a sticky yellowness to it.  All of my upholstered furniture was purchased in 2013.  I told you before that every room in this house was painted in the last four years.  Now everything in here is filth.
Daily work crews have been here for over two months, and there is still so much to do.  I have spent the little time I have to contact all of the people who have worked on this house.  They are all willing to give their professional testimonial to the condition of this house and property.  I have never known such exhaustion or desperation.  I was a teacher for 35 years, and have three graduate degrees.  My father and I ran an engineering company together for 33 years.  With all my experience with people, I have never met the likes of [redacted] and [redacted].  They have not been nice or helpful.
I do not appreciate [redacted]'s repeated abuse of me or my family's name.  I could call [redacted] some names myself, but as a teacher, as a Roman Catholic, as a human being, I truly believe that such nonsense has no place on this earth.  Life is hard enough, [redacted].  Your foolishness is revolting.  
Regards,
[redacted]

The investigation was never completed by the Scottsdale Insurance Company regarding the witnesses.   The statements of [redacted] Telephone number ###-###-#### and the statement of [redacted] Telephone number ###-###-#### and the statement of [redacted] Telephone number ###-###-#### were either never evaluated or totally disregarded.  [redacted] was never interviewed.  [redacted] was interviewed by phone on October 4 2014 by [redacted] who works for [redacted] Insurance Adjustors in [redacted].  The same day I was interviewed by [redacted] was the day I received the letter dated September 25 2014 from the Scottsdale Insurance Company.  In other words they came to conclusions regarding the case before they had all the facts.  In addition to this the case dates back to July of 2013.  A [redacted] County Police Officer made a complete report regarding the residue on the three cars that were parked in close proximity at [redacted].  The three vehicles in question are all late models and were in pristine condition before the fireworks were set off.  The vehicles were inspected by a competent professional body shop owned and run by [redacted] at [redacted] Auto Body [redacted]  His conclusions were professional and accurate. [redacted] phone number is ###-###-#### and another [redacted] Insurance adjustor by the name of [redacted] who interviewed [redacted] and [redacted] phone number is ###-###-####.  The Scottsdale Insurance Company has been totally unprofessional in all the dealings and returning phone calls and in general just "stonewalling" the facts.  They maintain their client [redacted] was the proper distance away when the fireworks were shot off.  I beg to differ with them but I am intelligent enough to realize that all fireworks can be somewhat unreliable and almost always have stray residue and or misfires in any direction at any given time.
Regards,
[redacted]

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
This letter is to serve as a formal response to the complaint filed by [redacted]...

**
[redacted]
with the Revdex.com. The complaint was regarding her [redacted]
**
Deferred Compensation Plan, administered by Nationwide Retirement Solutions
(Nationwide).
The facts pertaining to Nationwide's handling of this account are as follows:
The situation began when [redacted] was attempting to fax an Unforeseeable
Emergency request form to our office. On July 15, 2014, [redacted] contacted our
Customer Service Center at 4:52 p.m. Eastern Time to check on the status of a fax
that she had sent earlier that day. The representative [redacted] spoke with advised
that it had not yet been received, but that it was sent to the correct fax number, our
main fax line, which the representative also confirmed was ###-###-####.
At 5:00 p.m. Eastern Time on the same day, [redacted] spoke with [redacted], who
again, confirmed the fax number was correct, but also provided her with an alternate
fax number. This fax number belonged to the [redacted]'s supervisor and faxes to
personal numbers arrive via e-mail. The fax was received at 5:15 p.m. Eastern Time,
but unfortunately, by this time the supervisor had left for the day so the fax could
not be retrieved from their e-mail until the following morning. Additionally, [redacted]
forgot to notate [redacted]' account after they spoke.
At 5:50 p.m. Eastern Time on July 15, 2014, [redacted] spoke with [redacted] who
confirmed that the initial fax number was correct. He advised that he did not know
why [redacted] had provided the alternate fax number; [redacted] had not made a note on the
account to indicate what transpired in the conversation with [redacted], and [redacted]
is on a separate team and was not aware of what [redacted]'s supervisor's fax number
was. [redacted] provided [redacted] a new, alternate fax number for a different
supervisor who was in the office at that time. This fax was received at 6:00 p.m.
Eastern Time and forwarded to our Processing Team for review.
In summary, the representatives [redacted] spoke with throughout this specific
situation did in fact provide her with correct fax numbers. However, there was a
lapse in communication between our associates that resulted in a delay of our
receipt of [redacted]' paperwork.
We have provided feedback to the associates involved to prevent future situations of
a similar nature.
I hope you find this information helpful. If you have additional questions or concerns,
please do not hesitate to contact me directly at ###-###-####, ext. ####3, weekdays
from 8:00 a.m. to 6:00 p.m. Eastern Time and I will be happy to assist you.
Sincerely,
[redacted] 
 [redacted]
Nationwide Retirement Solutions

this is nothing but a bait and switch tactic. When I purchased my policy from [redacted] I was never asked about having prior insurance for the last 6 months because I didn't have insurance since I was out of the country for the last year. So because of my age 44 years old I'm sure they just assumed I had prior insurance, and you know what they say about assumptions. I agreed to pay 165.00 a month for insurance and I had no problem paying it, until you guys decided to raise my rates to 412.00  a month and that sa 260 percent increase and that is an insane amount to pay for two used cars. I agreed on a price and that is why I went with your insurance company and you are expected to deliver a service for that price. When you decided to raise the rates 260 percent I exercised my right to cancel which I did in writtng. You are asking me to pay a lot of money for a service your company had no intention of delivering on.your company is straight out scandalous, I work hard for my money and I refuse to give you a weeks salary because someone in your office thinks I am a sucker.[redacted] wrote the policy and they are represented by you. You want 412 dollars out of me then u better be providing a service. All of your prorated moneies are all on your 412.00 a month insurance raise of my rate which I already stated before that I never agreed to pay ever. I only agreed to pay 165.00 a month so your 403.00 bill is rubbish and you ought to be ashamed of yourself your trying to steal my hard earned money. I have ever right to cancel my policy when you raised my rates and that's what I did I even faxed you a letter telling you so. So please understand this your company has no right using the bait and switch tactic.you promised me insurance for one price and then raised it 247.00 from my agreed upon price of 165.00  for an 08 and an 03. I have no intention of paying you 403.00 ever and  your estimates are ridicules as I stated they are based on fiction because I never ever agreed to pay you 412.00 a month. So quit trying to take money from some hard working  individuals and start providing the services you are being paid for.
Regards,
[redacted]

[redacted]
 
 
[redacted]
[redacted]
[redacted]
 
[redacted]               [redacted]
[redacted]   ...

            [redacted]
[redacted]     [redacted]
[redacted]      [redacted] 
 
This letter is in response to the complaint filed with your agency by [redacted] regarding the balance due on her Auto policy.
Ms. [redacted] initiated an Auto policy in [redacted] effective July 31, 2003.  This policy has been serviced by the [redacted]nsurance Group in [redacted].  This agency is not licensed in [redacted], so they are unable to service the member for a new policy in that state.
The notes on the policy state that [redacted] attempted to make a policy change on February 26, 2014 via the internet; however, the change could not be processed due to the vehicles being garaged out of state.  [redacted] was advised to contact her local Nationwide agent or call ##### (###-###-####).  The notes state that she called the Service Department and was transferred to the [redacted]nsurance Group for additional assistance.  The agency submitted a request for the Auto policy to be internally transferred from [redacted] to [redacted].
On March 6, 2014, a note was placed on the [redacted] Auto policy advising that an internal transfer of the Auto policy from [redacted] to [redacted] could not be completed.  The states are located in two different regions and need to be written in two different Nationwide companies.  The [redacted] policy is written through “Nationwide” where as the [redacted] policy would need to be written through “Allied” appropriately.  The notes states that a communication was sent to Nationwide’s retention team to assist the member with this request.
An outbound call was made to [redacted] on March 20, 2014 by a Retention agent regarding the transfer of the Auto policy.  A voicemail was left congratulating [redacted] on her move to [redacted].  The agent advised that her policy was ready, but a returned call was requested to discuss the premium and make the member aware of some changes on the Auto policy.  A returned call from [redacted] to discuss the finalization of the Auto policy was not identified.  In the meantime, [redacted] continued to make policy changes online and worked with her local agent in [redacted] per additional notes on the policy.
The Auto policy renewal date was January 31, 2014 and was cancelled effective July 26, 2014.  During this time period a total of $607.41 was charged for coverage provided.  A total of $529.15 was received in payments and three $3.00 service fees were charged.
The total charged of $607.41 plus $9.00 in fees minus $529.15 total payments received equals $87.26.  A balance due bill was sent on August 1, 2014 which we have included with the response.
 
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext. ####
 
Sincerely,
   [redacted]
[redacted]

[redacted]
 
 
[redacted]
[redacted]
[redacted]
[redacted]
 
[redacted]               [redacted]
[redacted]                [redacted]
[redacted]  
This letter is in response to the additional contact received from you dated September 16, 2014.
We will be issuing a $6.00 refund check on September 23, 2014, as the original check was not submitted for processing. 
We apologize for this inconvenience and apologize for the delay of the refund.  The check will be sent express and should arrive on Wednesday September 24, 2014.
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext.######.
Sincerely,
 
[redacted]
[redacted]

[redacted] 
Called [redacted] at ###-###-####, We...

agreed to settlement of $812.57. The vehicle is currently located at her grandfathers [redacted]. She is going to get plates in the morning and then we can pick up. I emailed her a UPS label to return her title to us:
Hello [redacted] -
Here is the UPS label to return your title and payment information to me.
We will get the vehicle picked up in the next few days and should be able to issue payment as soon as we get your title.
Thank you,
[redacted]
I advised we should be able to settle by end of week if paperwork returned and vehicle picked up.
She agreed.
Claim opened and assigned to [redacted]

[redacted]...

[redacted]                                   ...⇄           [redacted]     [redacted]                       [redacted]
          [redacted]       [redacted]
            [redacted]       [redacted]            
In regards to the above listed complaint, I have reviewed the submitted documents and have also reviewed the file. I am writing today to respond to the complaints in the order of [redacted]'s correspondence. 
The loss was reported to Allied Insurance on August 12th and an initial call was placed and based on that call it was determined that a field inspection would be made. [redacted] was assigned to the file and attempted to make contact on August 13th without success, a busy signal was received. [redacted] was handling several claims in the area and stopped by the home on August 14th without a further call 
[redacted] makes reference that [redacted] refused to look at the rear area of the home where she believes the water started from, [redacted] did in fact inspect this area and there are pictures taken in the alley behind the home. 
This claim was caused by water backing up through the drains in the basement; there is no dispute about that either from [redacted] or the Claims representative James Smith. The H03 Homeowners policy has an exclusion for water which backs up through drains. Page 14-15 of the HO policy states. “We do not cover loss directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether or not the loss results in wide spread damage or affects a substantial area.3. Water Damage.
Water damage means:
B Water or water-borne material which backs up through sewers or drains or which overflows or is discharged from a sump, sump pump or related equipment; 
As mentioned, [redacted] purchased water back up endorsement, 12699 (copy enclosed) which provides a $10,000.00 limit for damages to the Dwelling and Contents.  The Claims Representative, I as well as my Supervisor [redacted] have all discussed this with [redacted]. 
[redacted] in her letter makes reference to the H03 policy (this is the Homeowners policy Ms Geck has), H04 (this is a Tenants Policy) and H06 (this is a condominium owners policy) As previously mentioned the Homeowners policy specifically excludes water back up so the policy and other endorsements (mold etc) will not apply. The only way to afford coverage would be by endorsement, as mentioned above the 12699 endorsement provided coverage for $10,000.00. 
[redacted] makes reference to another claim, she did in fact call in a second claim on August 31st for damage on her ceiling, no one at anytime is requesting [redacted] to call in claims in order to cancel her policy, and both of these claims were in fact called in by [redacted]. 
As mentioned above, we have paid the limit available for coverage on this policy and there is no further coverage available under this claim.
Please contact the undersigned directly with any questions on this matter.
Sincerely,
    [redacted]
Nationwide Insurance

I have already sought out another insurance company because I could not let the lapse continue any longer on my lease nor afford having my car off the road. I had made multiple attempts through nationwide (local office, customer service, and spoke to an underwriter directly) to try getting them to realize the public record was not correct and that I wanted the cancellation to be reversed but they refused saying that after 30 days it could not be reversed. Now after my complaint they say it can be reversed. All I want is for nationwide to reimburse me for the $380 I had to pay the DMV for my lapse fine that nationwide caused me.
Regards,
[redacted]

Hello,
After reviewing the message regarding this complaint, I would like to argue that I would not consider this resolved by any means. Nationwide has gotten involved and we are currently working to investigate the matter further, but until the source of the problem has been verified and all repairs needed are complete and paid for, this complaint will not be considered resolved. 
 
Thank you,
[redacted]

I reject the response from Nationwide Advantage Mortgage. 
This complaint was made to the Revdex.com for the purpose of addressing and the potential resolution of the issues regarding a Contractual dispute & improper servicing issues.  
This is not a complaint to advise the Revdex.com of what happens in a foreclosure proceeding or decide on legality issues, it is to notify, address and preserve the solidity and credentials of Nationwide Advantage Mortgage Company, "NAMC/Nationwide" as a Revdex.com accredited business acting in compliance and good faith to be a reputable, fair dealing business that provides consumers with certain standards of practice such as transparency, honesty, full disclosure of Contracts, honoring terms and effectively fixing mistakes. 
The contractual disputes of this complaint are the following:
Nationwide as a company, services and acts as the Lender to a certain Contract and it's terms given to [redacted], the consumer. The contract was for the purchase of property. 
The contract is 2 parts;  1. Note   2. Mortgage 
 
The terms of Paragraph 2 of the NOTE state- " In return for a loan received from Lender, Borrower Promises to pay the principal sum of $71,231....to Lender" ...
The terms of Paragraph 3 in the NOTE state-  "Borrowers promise to pay is secured by a mortgage....or similar security instrument. The security instrument protects the lender from losses which might result if the borrower defaults under this note." 
The terms in the MORTGAGE, first sentence, state : 
" THIS MORTGAGE (security instrument) is GIVEN June 29th, 2005. The mortgagor is [redacted], unmarried."
The MORTGAGE states it is a uniform security instrument covering real property. (which is our property at [redacted])
To keep THIS complaint "transparent" and easy to understand I will speak in layman words.
The terms of these Contracts combined hold that the Lender, Nationwide, had given a mortgage and secured the property as collateral to protect Nationwide from their loss if the borrower, [redacted], would default and not re-pay the loaned funds of the Note which were used to purchase the property secured. 
After discovering certain facts, it has been found the Contract was irreparably broken from it's inception and over the course of EIGHT years Nationwide had misled their Consumer. [redacted] believed he was paying for what Nationwide's contract had provided him, a home, property. He had been paying a company but not for any secured property, for no property had been secured. He had been paying SOMETHING, but it is not know for what. What had been found -9 years after the contract was agreed to- was that the funds from Nationwide's loan had NOT PURCHASED NOR SECURED THE PROPERTY. The previous owners were [redacted]'s parents, the "sellers". [redacted] had inherited & taken the property freely, [redacted]'s then Boyfriend, [redacted], the "buyer" took his interest to the property with a loan to payoff what the [redacted]'s parents had still owed to their lender, [redacted]. Nationwide had incorrectly used [redacted]s loan funds and FAILED to pay off what the sellers still owed to [redacted] so the property remained UNsecured as to to [redacted], [redacted], OR Nationwide. 
In 8 years time, Nationwide did gain a secured position but only because [redacted]'s parents paid off [redacted]. The FACT STILL REMAINS THAT NATIONWIDE is and was the responsible party to uphold their obligations to the contract and SOMEONE ELSE PAYING OFF WHAT NATIONWIDE WAS REQUIRED BUT FAILED TO PAY and never addressed or disclosed WAS an absolute undeniable breach of contract.
 It has been evidenced by factual documents and PROVEN that Nationwide's contract with Consumer [redacted] was VERY misleading, VERY deceptive, and VERY VERY un honest. Upholding the consumers promise of the contract, [redacted] had been paying Nationwide for what his contract afforded; his Fee simple, unencumbered individual right to ownership of the property but unknown to him until recently that was all false.
Nationwide had not at one time in eight years disclosed this to [redacted]. Nationwide had sent a mortgage bill for EIGHT YEARS and several threats during hard times demanding payment of the home loan or Nationwide would foreclose, when the whole time Nationwide had knowledge they COULD NOT legally foreclose, not without first paying [redacted] like they were required to do, but failed. Nationwide made a loan modification after a hardship in 2010 which required a title search of the property per HUD & Nationwide's guidelines and a 1098 tax return from [redacted] to verify employment & proof of marriage.
-The title search would clearly show the [redacted] mortgage from [redacted]'s parents was still unpaid, NEVER satisfied. That was covered up. Nationwide made a false assignment of the loan to MERS which reflected Nationwide no longer held the loan or was mortgagee of the property. Nationwide admits, NOW, after [redacted] has been paid off that the false assignment was an "unfortunate error". Nationwide was at risk to not only have exposed the laundering and misplacement of money, but the issue of how they were going to make a modification of an FHA loan and receive Government insurance proceeds for making that modification when it is indefinitely NOT permitted by HUD for a lender to even have an FHA insured loan on encumbered property which the lender would not be able to convey to HUD for say the instance of foreclosure. FHA insurance is for the purpose of Government reimbursement TO lenders for their loss of money lent purchasing the home. Nationwide had no loss, and COULD NOT convey a clear title to HUD because [redacted] had First lien position of the property with [redacted]'s parents still unpaid VA insured loan yet Nationwide covered this up, reported false information for Government proceeds instead of fixing any of these problems and to this day they "deny any wrongdoing"  when ALL I have said is documented and proven. No one did any of these last few mentioned things except for Nationwide. It took us well over a year to figure all these things out in our tiring search to track down where [redacted]'s loan funds had really gone (which we still have not for certain) and all this sounds so outrageous we are unheard, belittled and just emotionally dumbfounded as consumers when we have proven this, asked Nationwide for help or understanding or SOME KIND of explanation, but in the end just under the foot of "Big bank does no wrong" "We are in compliance - your a bum homeowner looking for a free house" and boom. They take our home! .......How is that for customer service & servicing issues?    
 
- [redacted]'s 1098 tax statements requested by Nationwide undoubtedly proved he was married to [redacted] as they were filed JOINTLY in both [redacted] & [redacted]'s names. Nationwide was discriminate to the fact [redacted] was married and refused to put [redacted]'s name on that modification in 2010. Aside that being alienation of property by failing to obtain the signature of a spouse in jointly owned property it voids a contract under [redacted] Law. Nationwide was further hiding the fact they held a "loan"- fabricated or not- on a home that only had ONE owing spouse. Nationwide has been intentionally ignorant and discriminate of [redacted]'s marriage to avoid inclusion of [redacted]'s interest in the property yet they possess receipts from almost ALL payments ever made since 2005 that bear the name only that of [redacted] as sending pymt.
Nationwide never fulfilled their contractual agreement of securing the property for a loan AT ALL but continued to make Consumer [redacted] believe they did. Because [redacted] & [redacted] both had an interest in the property Nationwide's non payment to [redacted] effected them both. If death or tragedy would have struck [redacted]'s parents before 2012 when [redacted] was paid off, and [redacted]'s parents would have not been able to payoff [redacted], [redacted] had the legal right to take their home when [redacted] & [redacted]  AND  [redacted] had believed that [redacted] mortgage was PAID OFF. Interestingly enough the loan Closers have personally stated several times upon being questioned by [redacted] AND the **. Commissioner of Insurance office that they had paid off [redacted] in 2005 at the closing which has been founded to be untrue. The closers never disclosed the misplaced funds. Nationwide never disclosed the misplaced funds. We never knew about the misplaced funds. We were only 19 years old in 2005 and it would seem whoever knew about this scheeme just "let it ride" but the very real end result was two teenagers SO TERRIBLY MISLED AND DOOPED that one ([redacted]) ended up actually loosing the "on paper" interest to the title of her home and the other ([redacted]) was tricked into signing a contract to pay a $70,000 mortgage for a home that a totally different bank was still owed money for he didn't know about, he never got clear title like he was supposto and someone else got the money he has been paying back all this time.
In [redacted]'s reply, paragraph 4, she points out the loan was originated with [redacted] and thereafter Nationwide bought the loan. [redacted] stated "Any issues surrounding a delayed payoff of the loan with [redacted] and [redacted] at the time of origination would have to be resolved with [redacted] and [redacted]."
[redacted]'s statement is fatally incorrect in application to THIS contractual dispute complaint as NATIONWIDE is the company to which SHOULD HAVE RESOLVED - NINE YEARS AGO why there was any late payoff at all! Nationwide is the party that has not upheld the very terms of their contract they seek to enforce now by taking our home. [redacted] were not a party to the Note & Mortgage nor were they required to make a PAYOFF to [redacted] because [redacted] entered into a contractual agreement where the "LENDER" pays or instructs someone acting under them to pay off any liens to provide CLEAR title so the lender has a first lien position and secured the home. [redacted] was not just handed $70,000 to go buy a home. [redacted] was given NO direct loan funds at all. The "lender" DIRECTLY paid whomever they did which is unknown despite our grave efforts, but whom ever it was, it sure was NOT [redacted] as required NOR was it any CONSUMERS job to insure that! Consumers pay LENDERS, companies, and businesses to do these things as consumers are not knowledgeable of them! When the companies screw things up, or make mistakes, or commit fraud, it is the companies liability! It is outrageous to blame other places or especially the CONSUMERS! Ridiculous! Nationwide fights to enforce this contract for their benefit but will not accept liability to the errors of it! Wrong! wrong! wrong!  
THE FACT remains, that Nationwide is the entity in material breach of their own contract by not assuring the delivery of their consumers funds to adequately and legally purchase the property to secure it for their consumers benefit nor even their own as it was required within it's terms. 
The FACT remains, Nationwide is not a small company, they have a legal team and and an underwriting department that preforms quality control and keeps their operations within Government and banking regulations as well as their own standards for the solidity of their practices. 
Nationwide's responsibility of checking consumer loans bought on the second market from originators such as [redacted] is only their own. Nationwide is the party with the obligation to resolve any "delayed payoff" as that matter is internal and of utmost importance to their own benefit. A company that does not insure they are buying lawful, legitimate loans cannot accuse the CONSUMERS for their ERRORS and undue diligence. Nationwide APPROVED the underwriting of this loan a month before it even closed per HUD's records obtained via FOIA.(freedom of information act) Nationwide can not just rely upon saying they only bought the loan after the fact and blame someone else because Nationwide was the company that approved the loan AND submitted it to FHA to be insured! [redacted] was only a BROKER that ORIGINATED loans. Nationwide has put us through [redacted] and forced us as consumers to spend hours upon hours and MONTHS to track all this down when I have no doubt if the [redacted] mortgage would have not been paid off they would have then done all this because it would effect their agenda to foreclose negatively. No consumer protection for [redacted], only interest to their own advantage. 
We in receipt of Emails, phone records, QWR's to Nationwide for over a year; we have asked them for help, asked them where the money went, asked them why they never addressed many errors NUMEROUS times like why they were TAKING EVERY MONTH our extra payments we had sent them for principal reduction and applied them to made up fees such as "corporate advance fees" FOUR property inspection fees in ONE month! Month after month! They "deny wrongdoing" and say they service the loan in compliance with regulations & laws but have REFUSED to look into why their own company has been collecting money from [redacted] who WAS NOT GIVEN THE MONEY, NOR A HOUSE PURCHASED WITH THAT MONEY they are trying to take!  
In regard to [redacted]'s ownership of the property, that is not in dispute, or should not be and was previously addressed.  It is not the position of any respectable company nor person to destroy a Mother and Father's natural passing of property ownership rights to their child. That type of Natural family interest comes before and is superior to any right of a mortgage LIEN and in [redacted], any property that is gifted or inherited is NOT community property and that is Nationwide's basis of how they can "cut off" [redacted]'s interest in the property as they claim she ONLY has a MARITAL interest through [redacted] and because he is a borrower they can foreclose that interest of hers. They deny they had knowledge of [redacted]'s "interest" in the home yet have the original application THEY APPROVED stating she was a joint owner, listed on title, but NOT a borrower. That application has since been tampered with and her named removed without her or [redacted]'s knowledge.
Nationwide lacks the knowledge and skill to fully resolve this one issue in particular and has offered [redacted] the personal option of accepting a now $95,000 modification for a debt she DOES NOT OWE, for a home she already owns OR they will foreclose, which they are-  ARE. YOU. STINKING.  KIDDING. ME?
 
Nationwide has accelerated the foreclosure and attempting to have my family physically removed from our home on August 20th. With any hope for what is Good and right, and JUST, they will NOT do this AND ACTUALLY ADDRESS THESE HEREIN ISSUES!  With any hope, the Revdex.com will look into these issues as well and reevaluate their accreditation of Nationwide as one would hope these actions are not supported. I have EVERY document to PROVE FACTUAL what I have stated in this complaint plus SEVERAL SEVERAL others that include forgery, misstatements, Nationwide's attorney admitting their breech of contract upon selling the loan when that was also not within the terms of their assignment contract but these things are not founded in this complaint but will be produced upon request.
 
Sincere apologies for the length of this response. This is no little problem. Any additional needed documents or proofs for the Revdex.com's review of this complaint can be requested and provided by us quickly. 
Thank you for your time 
[redacted] & [redacted]

Thank you for the opportunity to review and respond to our customer’s inquiry.
The police report attached to [redacted]'s complaint is the verification we had been requesting but did not receive in our office. 
With this verification, the October 29, 2011 accident will be updated to...

not at fault as per Safe Drive Insurance Plan. Change will be made effective August, 15, 2013 which is date it was placed on policy.
If you have any further questions, please contact our Customer Relations Coordinator at ###-###-####.
Sincerely,