American Plumbing Contractors, Inc.

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
I am in receipt of the online complaint received on August...

18, 2014, regarding [redacted]’ automobile policy.
Review of our records shows on February 14, 2014, [redacted] contacted our service department and requested to cancel her automobile policy effective February 14, 2014. [redacted] was advised a Policy Cancellation Form would be sent to her complete electronically via email. She was advised her estimated refund would be $31.95, once the policy cancelled. During this call, [redacted] expressed that she did not wish to cancel her tenant policy; therefore, the automatic monthly withdrawals were not stopped.
Per our current process, once the electronic Policy Cancellation Form is returned it is then assigned to a member of our Processing Team to process the cancellation. Unfortunately, the cancellation was not processed.
On March 1, 2014, [redacted] contacted our service department to inquire why her policy had not been cancelled. The signed Policy Cancellation Form was located in our system and she was advised the policy would be cancelled, per her request, effective February 14, 2014. She was advised we were unable to stop the automatic deduction of $149.90 which was scheduled to be deducted from her bank account that day. This installment included $132.89 for the automobile policy and $17.01 for the tenant policy. [redacted] was advised she could place a stop payment with her bank and if she were charged a stop payment fee, she would be reimbursed due to agent error.
On March 4, 2014, the automobile policy was cancelled effective March 14, 2014. Unfortunately, the representative submitted the request with the wrong date.
On March 5, 2014, a refund of $44.04 was issued for the unearned premium on the automobile policy.
On March 5, 2014, an installment bill was issued for the tenant policy for $17.02 due on March 30, 2014.
On March 6, 2014, the payment of $149.90 received on March 1, 2014, was returned by [redacted]’s bank due to her placing a stop payment on the funds. A $30.00 non-sufficient fund fee was assessed on her account.
On March 8, 2014, a Notice of Cancellation was issued for the tenant policy which advised a payment of $34.03 would be needed by March 29, 2014, to prevent cancellation effective March 30, 2014.
On March 11, 2014, a Final Bill was issued for $162.89 for the automobile policy. This bill was issued due to the returned payment for March 1, 2014. The bill included the $30.00 non-sufficient fund fee.
On April 1, 2014, a Collection Letter was issued to the [redacted] which advised of the final balance owed of $162.89 for the automobile policy.
On April 2, 2014, due to no payment being received the tenant policy was cancelled effective March 30, 2014.
On, April 4, 2014, a Final bill for $20.76 was issued for the tenant policy. This bill represents the balance owed for coverage provided through the cancellation date.
On April 5, 2014, [redacted] contacted our service department to advise her automobile policy was supposed to be cancelled effective February 14, 2014. [redacted] was advised the cancellation date on her policy would be adjusted and she would receive a follow up call regarding any final balance due.
On April 15, 2014, the cancellation date on the automobile policy was adjusted to February 14, 2014. This change resulted in a premium decrease of $115.30 which reduced the collection owed to $47.59.
On April 16, 2014, a voice message was left for the member that advised the cancellation date on the automobile policy had been adjusted to February 14, 2014, and the new balance owed was adjusted to $47.59.
On June 18, 2014, [redacted] spoke with our Service Department regarding the collections owed on her policies. A payment of $20.76 was taken to clear the outstanding balance owed on the tenant policy. [redacted] was advised the $30.00 non-sufficient fund fee had been waived, therefore, leaving no balance due on the automobile policy. Unfortunately, this information was inaccurate as the final balance owed had been reduced to $17.59 with removing the non-sufficient fund fee. [redacted] was advised an email would be sent which explained the collections had been taken care of.
On August 13, 2014, [redacted] contacted our service department as a result of being notified by Credit Collection Services (CCS) of the outstanding balance owed for $17.59 on the automobile policy.
On August 18, 2014, a member of our Escalations Team approved writing off the $17.59 collection on [redacted] automobile policy due to agent error.
[redacted] automobile and tenant policies reflect a zero balance. I contacted CCS today to confirm both account have been closed. The balance on the tenant policy had not been previously reported to the credit bureaus; however, the $17.59 balance on the automobile policy had been reported. CCS will have the item removed from [redacted]’ credit which could take upward of 60 days to be completed. If [redacted] has any questions regarding this process she may contact CCS directly at ###-###-####.
I apologize for inconvenience or frustration we may have caused [redacted]’s due to the delay in processing her cancellation request and for any misinformation provided. We take customer service very seriously and continuously strive to improve our service. Feedback has been provided for each representative who mishandled her policy.
If further assistance is needed in this matter, please contact me directly at ###-###-####.
Sincerely,
[redacted]
[redacted] (Customer Resolution & Response Team) Colonial County Mutual Insurance Company
Email: [redacted]

[redacted] 
I am in receipt of...

the member's question dated October 14, 2014.
I am providing you with the following information:
? Policy Declarations
Policy ######### was bound effective August 1, 2012 to August 1, 2013, with a term premium of $287.00. The policy premium was paid in full at the time it was bound.
On August 31, 2012, the Home Purchase Discount was removed effective August 1, 2012. The Home Purchase Discount is available to New Business customers who have purchased their home within 12 months of their policy effective date. During the discovery period, it was determined that there was prior insurance on the property, which qualified the policy for the Years with Prior Carrier Discount; therefore, the policy did not qualify for the Home Purchase
[redacted]
Discount. The change increased the term premium by $33.00 and a Revised Declarations was mailed to the address on file.
A total down payment of $525.60 was received on July 27, 2012. Of this payment, $228.60 was applied to the automobile policy, $287.00 was applied to the property policy, and $5.00 was applied to the installment fee. A credit of $5.00 remained on the billing account. Our system does not bill out for anything less than $10.00; therefore, the first opportunity the system had to bill for the premium increase to the property policy was with the February 1, 2013, installment. The $5.00 credit was applied to the $33.00 balance and an underpayment of $8.20 was added to the February 1, 2013 bill. The payment of $263.10 that was received on January 29, 2013, paid the underpayment of $8.20 and the February, March, April, May, and June installments of $3.30 for a total of $16.50. The July installment of $3.30 was paid with the payments that were received on July 26, 2013.
Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you have any further questions, please do not hesitate to contact me, at ###-###-####, ext. ########
Sincerely,
[redacted]
Nationwide Insurance Company
[redacted]
###-###-####, ext. ######
[redacted]

[redacted]
I received the...

breakdown request sheet that doesn't explain why they want 162.90 dollars.
Anyway, I will answer your questions the best I can.  First of all, when you agree to pay sertain amount in your policy, is because you have the money for it. So I agree to pay 260.44 dollars for 6 month no change.  From the first week till 3 month this company never satisfy me or provided the source they suppose to.  Never took the time to verify why I couldn't receive my insurance card until I found out.  Please referre to page #1 (wrong address). My payment was authomatic, so they enjoy my money while I was so upset waiting for an insurence card and my policy contrat that never arrived.  Since I'm single mother with a dissable child I forgot about the insurance card and let the time past until they told me or notifyed me of the increase.  Once again they didn't satisfy me with good argument of the reason of that increase, 2 or 3 represnetative stated that the girl that did my policy forgot to turn in or click something in the computer and now I have to pay more.  I asked, so, why you don't fixed, because is her mistake no my.  He said that the only way was signing some papers where I stated that I refused service that my original policy supposedly has. So, after argued hours with them, I realized that they weren't serious company and I didn't want to carry a insurence with almost not coverage when my car is new, just because they lie to me.
The only thing I could do was cancel and I understood It wasn't any charge, because it was monthly pay.  Some people are crazy thinking that we can come with any amount they want.  No in my case, they most be faithful to our agreement or they can forget about me.  I don't have that kind of money to be playing around.  They were eager to increase, but not to send me a insurance card.  This is my reason of cancelation, and also why I didn't agreed with the increase.
After talking with the representative with out finding a solution I ask him to cancel my policy, so, he send me to cancelation dept.  and I asked to cancel the policy by phone.  She asked me what day would you like.  I said the last day that I am cover for this month (May) since I already paid.  She said that will be the 28 and you just need to sign the paper on line. So the paper was authomatic on line page #2.  Then I have a page #3 were it shows that the  increase suppose to happen the next month (June) and I wasn't cover by them any more.  My new insurance took place the day of my cancelation (May 28).  
Later on , when I received the last bill of 162.90 I called for explanation and more lies where around one agent said that my real day of cancelation was the 11th of May.  But a supervior said that he was wrong, that the amount was because I didn't sign the paper refusing coverage.  Well, I said that suppose to be for the next month (page3).  Page #4 support what the other agent said that was due to been coverage till May 28.  But, the lie to me ones more.  I feel that the Revdex.com needs to tell them that they need to be responsible for their accions and they didn't act right with me.  They have to pay for their mistake as I pay for my own.  May was cover I don't own them nothing.  If someone need a pay back is to me for all the bad service and wasting time with them.
*So please notice that some policy increase but at the re-newal time and/or for accidents they may inccure with # tho is not the case.
For your attention, I do thank you and appreciate everything that you can do to resolve this complain.  Because the collection people are bother me to much.
[redacted]

First, there was no admittance to wrongdoing, only saying that now they have taken some action, All of these actions happened AFTER this claim was filed. I would like a formal apology from Nationwide regarding their bad faith.
Furthermore, I would like the entire matter to be finalized and settled before closing this case as they only now have changed their stance based on this Revdex.com claim and in fact refused and did not take any action prior. It appears that we are on the right track with [redacted], but until it is settled and there are not other issues I would like to keep this case pending. Many times insurance companies use delay tactics to force the insured to make a bad decision and I want to ensure this does not happen as it is apparent that Nationwide is very capable of bad faith and has indeed acted in bad faith and is only now trying to rectify the problem but in no way in this response admitted to their faulty actions.
Regards,
[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 his Tenant policy.  Our records indicate the policy was written on June 17, 2014, for an effective date of July 1, 2014.  Nationwide collected the annual premium amount of $205.00 on June 17, 2014.  
On June 30, 2014 the policy cancelled for an effective date of July 1, 2014.  On July 1, 2014, Nationwide calculated a refund amount of $205.00 for the policyholder.  Nationwide held the premium for 10 days to validate the original payment.  On July 11, 2014, Nationwide returned the payment of $205.00 to the bankcard used for the original transaction. 
Nationwide is advised that it may take five business days for the bankcard account to reflect the credit. 
 If you should have any other requests or questions regarding this matter, please contact Colleen Flack at ###-###-####, ext. ########.
Sincerely,  
[redacted]
[redacted] – Customer Resolution and Response
Nationwide Insurance Companies

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
This letter is in response to the complaint filed with your...

agency by [redacted] regarding not receiving a refund after cancelling all three of her policies.
The three policies were started on August 4, 2014, with a full payment on each policy. On August 8, 2014, [redacted] informed our company that the policies needed to be cancelled at inception as she was staying with her prior carrier. [redacted] requested cancellation forms be mailed to the address on file and she would return them. We received the forms on August 19, 2014 without an effective date of cancellation, therefore they were not processed. On August 21, 2014, [redacted] inquired on the cancellations and was informed the forms were received incomplete and that new forms were sent. The forms were again received on August 26, 2014 and were processed cancelling the three policies effective August 4, 2014.
The refunds were generated for each policy and mailed out. A refund of $1,758.98 for the home policy was generated on September 3, 2014 and cashed on September 9, 2014. A refund of $170.10 for the umbrella policy was generated on August 27, 2014 and cashed on September 17, 2014. A refund of $966.58 for the auto policy was generated on September 2, 2014 and does not show as cashed yet. Both the auto and umbrella refunds had a verification period that delays the mailing of the refund.
We hope this response satisfactorily addressed the issues brought forth by [redacted]. If you should have questions or need additional assistance regarding this matter, please
contact our Customer Relations Coordinator, [redacted], toll-free at ###-###-####, ext. #####, direct at ###-###-####, or by email at [email protected].
Sincerely,
[redacted]
[redacted]
###############
[redacted]

[redacted] 
 
[redacted]
[redacted]
[redacted]  [redacted] 
 
[redacted]       [redacted]          [redacted]
            [redacted]                 [redacted]
            [redacted]       [redacted]                                              
This letter is in response to the additional information received for the complaint filed with your agency by [redacted] regarding her automobile policy.  [redacted]’s policy was a semi-annual policy that began effective February 28, 2014, and cancelled at the request of the policyholder effective May 28, 2014.  The policy declarations pages provided by the policyholder indicate she obtained alternate insurance effective May 28, 2014. 
Nationwide charged $934.20 in premium for the time the policy was active, plus one $10.00 late fee, for a total amount due of $944.20.  Nationwide received three monthly installment payments totaling $781.30, which left a balance due of $162.90.  The collection balance of $162.90 is owed for the coverage provided. There is no additional premium adjustment available for [redacted]. 
 If you should have any other requests or questions regarding this matter, please contact Colleen Flack at 1-888-999-0263, ext. 489-8226. 
Sincerely,
 
[redacted]
[redacted]
Nationwide Insurance Companies

[redacted] 
Thank you for bringing this matter to our attention. I...

have reviewed this matter and enclosed is my
response.
I truly regret the service that was provided to [redacted] was not up to our standards. I agree that we did
not process his claim as quickly as we should have. The matter was not sent to our Subrogation Unit in a
timely manner to secure the deductible refund and to secure our refund. It was not our intention to
withhold [redacted]'s deductible because he switched carriers.
To help expedite this matter I have processed [redacted]'s deductible refund. I have attached a copy of
our check transmittal form to provide the check number and the processing. This should conclude this
matter.
If you have any additional questions please let me know
Sincerely,
[redacted]

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

[redacted]
This letter is in response to the inquiry received from your office on July 28, 2014.
This claim regards an accident on 6/19/14.  We accepted liability for [redacted]’s vehicle damage on 7/1/14.  We inspected the vehicle on 7/3/14 and, due to the extent of damage, the vehicle was deemed to be a total loss and the property damage claim was assigned to [redacted] in our department to settle with [redacted]. 
On 7/15/14, we presented two settlement options to [redacted]:



Nationwide Retains Salvage





Actual Cash Value


$1,734.00




Condition Adjustment


$26.00




(Prior Damage Identified $1,478.74)





Prior Damage Applied


-$360.00




Sales Tax 9.2000%


$128.80




Tag/Title Fee


$13.50




Net Settlement


$1,542.30








Owner Retains Salvage





Actual Cash Value


$1,734.00




Condition Adjustment


$26.00




(Prior Damage Identified $1,478.74)





Prior Damage Applied


-$360.00




Sales Tax 9.2000%


$128.80




Tag/Title Fee


$13.50




Salvage Value


-$385.19




Net Settlement


$1,157.11



On 7/15/14, we sent an e-mail to [redacted] with a copy of the market valuation for the vehicle.  On 7/16/14, [redacted] rejected our offer via e-mail and provided several comparable vehicles as well as several receipts for vehicle maintenance.  We evaluated the comparable vehicles but we were not able to include them in our valuation as each vehicle was located over 2,000 miles away, and we notified her of this that day.  We submitted the maintenance receipts to CCC, the vendor that provides our market valuations, so that they could be considered in the vehicle value.  Because of the impact of the maintenance receipts on our market valuation, we modified our offer as follows:



Nationwide Retains Salvage





Actual Cash Value


$1,734.00




Condition Adjustment


$103.00




(Prior Damage Identified $1,478.74)





Prior Damage Applied


-$360.00




Sales Tax 9.2000%


$135.88




Tag/Title Fee


$13.00




Net Settlement


$1,625.88








Owner Retains Salvage





Actual Cash Value


$1,734.00




Condition/Maintenance Adjustment


$103.00




(Prior Damage Identified $1,478.74)





Prior Damage Applied


-$360.00




Sales Tax 9.2000%


$135.88




Tag/Title Fee


$13.00




Salvage Value


-$385.19




Net Settlement


$1,241.19



We called [redacted] on 7/16 to present the revised offer but she was not available, so we sent the offer to via e-mail.  She responded that day with additional receipts for maintenance, and we revised our offer to include a post-tax concession of $200 to reach amicable settlement:



Nationwide Retains Salvage





Actual Cash Value


$1,734.00




Condition/Maintenance Adjustment


$189.00




(Prior Damage Identified $1,478.74)





Prior Damage Applied


-$360.00




Sales Tax 9.2000%


$143.80




Tag/Title Fee


$13.50




Post-tax Concession


$200.00




Net Settlement


$1,920.30








Owner Retains Salvage





Actual Cash Value


$1,734.00




Condition/Maintenance Adjustment


$189.00




(Prior Damage Identified $1,478.74)





Prior Damage Applied


-$360.00




Sales Tax 9.2000%


$143.80




Tag/Title Fee


$13.50




Post-tax Concession


$200.00




Salvage Value


-$385.19




Net Settlement


$1,535.11



We e-mailed the revised offer to [redacted] on 7/16/14 and reiterated the offer by e-mail on 7/18/14.  On 7/21/14, Claim Manager, [redacted]y, received an e-mail from a co-worker, Claim Manager, [redacted], where [redacted] indicated that she did not get a response from an e-mail sent to [redacted].  The e-mail trail shows that [redacted]’s e-mail address was incorrect, so he had no opportunity to reply.  [redacted] contacted [redacted] that day and attempted to resolve her questions.
[redacted] was not satisfied with [redacted]’s responses, and she asked for the claim to be elevated to me.  [redacted] provided my contact information by e-mail on the evening of 7/21/14, and I contacted [redacted] on 7/22/14.  I explained to her the vehicle evaluation process and how the maintenance records affect the vehicle value.  I made an additional post-tax concession of $200, for a total post-tax concession of $400 over the vehicle’s actual cash value of $1,734.00.  She asked for a rental extension, and I told her that I would extend the rental until Friday, 7/25/14.
On 7/23/14, I spoke with [redacted] and she indicated that she had identified a car that she may purchase.  She said that she planned to return the rental that day, and I reminded her that I had extended the rental until 7/25/14.  I told her that I would increase the concession by $100 to $500, net settlement $2,220.30.  She asked if I would agree to pay the taxes due for new vehicle, but she did not disclose the purchase price.  I informed her that we are responsible for the taxes based on her previous vehicle’s value, and I reminded her that we had already conceded $500 over the vehicle value of $1,734.00.  She told me she would call me the next day, 7/24/14, to let me know if she purchased the vehicle.  I called and left messages without response on Thursday, 7/24/14, Friday, 7/25/14, twice Tuesday, 7/29/14 and Wednesday, 7/30/14.  I also sent her an e-mail on Tuesday, 7/29/14 and Wednesday, 7/30/14.
She responded to my e-mail on 7/31/14; she indicates that she did leave me a message on 7/24/14 and asserts that I have not left any messages for her.  Furthermore, she demands $2,420.30 for settlement of her claim.
I will respond to each of [redacted]’s issues in the complaint:
Issue 1:  No return phone call- Claims Associate - [redacted] Timeline is provided above.  We have apologized to [redacted] for the time service, we have made monetary concessions to compensate, and we have coached the associate regarding our time service expectations.
Issue 2:  Rental Car Not Provided We paid for 18 days of rental for [redacted].  We extended the rental through Friday, 7/25/14, and we let her know by phone on 7/23/14; she told me that day that she intended to return the rental on 7/23/14, and she did so.
Issue 3:  Claim Manager not providing adequate information - [redacted] was not involved in the claim except to cover [redacted]’s voicemail in his absence.
Issue 4:  No return phone call - Claim Manager [redacted] was not involved in the claim except to cover [redacted]’s voicemail in his absence.  She spoke to [redacted] once, and when she received an e-mail that [redacted] was trying to reach [redacted], she forwarded that e-mail to [redacted], who then responded promptly.
Issue 5: Claim Manager Rude - [redacted]y  [redacted] attempted to employ active listening techniques by saying “Okay” or “I see” to acknowledge her concerns.  [redacted] told him he was being rude and he apologized and stopped doing so.  She demanded to elevate the claim to me and [redacted] did so.
Issue 6:  Claims Associate Not providing Adequate information – [redacted] I spoke with [redacted] at great length on Wednesday, 7/23/14, and I was under the impression that we established solid rapport, that I answered her questions to her satisfaction, and that we were near a settlement. 
As for the resolution of this claim, I regret that we have reached an impasse with [redacted].  I responded to her most recent e-mail on the day it was received, 7/31/14.   I declined her demand for $2,420.30 and I reiterated our final offer of $2,220.30.  I recognize that the difference is $200, but the $500 concession that we have already offered represents 29% above the actual cash value of the vehicle.  We can make no additional concessions.  In the same e-mail, I offered to pay her up front for her deductible in the event that she chooses to utilize the collision coverage with her own insurance carrier.
If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at ###-###-####, Ext. #### or by email at [redacted]
Sincerely,
[redacted]
Nationwide Affinity Insurance Company
Phone: ###-###-####
Fax: ###-###-####
Email Address: [redacted]

[redacted]
[redacted]  [redacted]
 [redacted] took his vehicle to [redacted] Inc for repairs.  [redacted]’s vehicle is a 2010 Ford Fusion SE with mileage of 69,609.  Collision related damages were to the rear of [redacted]’s vehicle in the amount...

of $4,520.46 (see attachment for repair estimate).  [redacted] is an On Your Side Repair Shop for AMCO and all repairs are guaranteed for as long as [redacted] owns or leases his vehicle.  Nationwide’s On Your Side Auto Repair Network Manager, [redacted], re-inspected the vehicle after all repairs were completed.  His expert opinion is that [redacted]’s vehicle was repaired correctly and per industry standards.
[redacted] is demanding $2910.00 for diminution of value for this covered loss.  Nationwide’s offer is $475.00. 
Breakdown of Offer:  $200.00 for diminution of value + $275.00 for the appraisal fee [redacted] incurred. 
The $200.00 for diminished value was based on damage modifiers as follows.  The vehicle sustained moderate damage to the structure and cosmetic panels.  Damage is considered moderate when there are 1-2 structural components replaced and 3 or more non-structural / cosmetic panels replaced.
NOTE: [redacted]’s vehicle was in two prior accidents.  One occurring 7/18/13 with [redacted] (front end damages totaling $6944.91) and another accident on 1/10/14 with [redacted] (Left side damages totaling $1664.60). 
We are willing to reimburse [redacted] for the appraisal fee of $275.00.
Our position is that [redacted]’s vehicle has been repaired to pre-loss condition based on industry standards.  In addition, based on the fact that [redacted]’s vehicle has been subject to two prior losses and repairs, we stand firm on the amount offered for diminution of value.
Thank you for your consideration in this matter.  Please feel free to reach out to me with any questions you may have. 
Sincerely, 
[redacted]
[redacted]
AMCO Insurance Company/ Nationwide Insurance Company
Phone  ###-###-####   Email address:  [redacted]

I am rejecting this response because the information you gave me is a
review of what happened when Nationwide was my insurance carrier.  There
was no resolution to the issue I presented, or if you believe a
resolution was presented, it is only on your end.  I specifically
requested correspondence to be sent to me electronically.  The
certificate that confirms that letter was mailed to me means absolutely
nothing.  The bottomline is I never read the notification because I leave for extended periods of time due to work.   I never
received any phone calls, and I never received any emails, so I drove
unknowingly without insurance for over a week.  It is extremely funny
how I pay for insurance religiously for over two years, and Nationwide
gladly accepted my money, but when a miscommunication like this occurs I
am shown absolutely no regard and essentially treated as a worthless
customer.  If the state of [redacted] says that "action can be taken" if 7 or more tows are given in a 36 month period, then Nationwide should limit the number of tows one can have with Roadside Assistance Plus to 7 or less in a 36 month period.  The reason why I am frustrated with this response and Nationwide as an insurance company is because this whole situation could have been avoided if the proper lines of communication were established and if this limitation had been outlined initially.  How am I supposed to know that take action means that I will be dropped from my insurance?  Clearly, I don't unless I am a mind reader for the insurance or underwriting company.  So again, dropping me from insurance situation entirely POINTLESS, and it is a shame, not too surprising though, that Nationwide fails to accept any responsibility.
Regards,
[redacted]

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

[redacted] 
This letter is in response to the complaint received on September 17, 2014.
The non-renewal of this policy occurred effective August 3, 2014, due to possible undisclosed driver information. Based on a public records search, we received information regarding a possible driver in the household that was not listed.
Without further information provided regarding this driver, a non-renewal letter was issued June 10, 2014, to the address we have on record for [redacted]e, for the possible undisclosed driver in the household. The letter advised that the policy would be terminated effective August 3, 2014. Please find attached a copy of the non-renewal notice that was sent as well as proof of mailing for the non-renewal notice.
After further review of the documentation, the information received from public records for the undisclosed driver did not match the location provided by [redacted]. The decision has been made to reverse the cancellation with no lapse in coverage.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted], at ###-###-#### or by email at [redacted]
Sincerely,
[redacted]
 
Nationwide Insurance
###-###-####
[redacted]
Fax #: ###-###-####

[redacted]
 
This letter is in response to the complaint filed with your agency by [redacted] regarding the balance due on her Auto policy.
After receiving the proof of insurance on the 2006 Jeep Liberty, the balance due has been adjusted to reflect a $0.00 balance.   The amount of $48.42 has been removed from collections and no further activity will occur to collect the balance.
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext. ####
 
Sincerely,
 
[redacted]
[redacted]
CSSS Customer Resolution & Response
Nationwide Insurance Companies

[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
[redacted] 
I am in receipt of the member's question dated October 14, 2014.
I am providing you with the following information:
? Policy Declarations
Policy ######## was bound effective August 1, 2012 to August 1, 2013, with a term premium of $287.00. The policy premium was paid in full at the time it was bound.
On August 31, 2012, the Home Purchase Discount was removed effective August 1, 2012. The Home Purchase Discount is available to New Business customers who have purchased their home within 12 months of their policy effective date. During the discovery period, it was determined that there was prior insurance on the property, which qualified the policy for the Years with Prior Carrier Discount; therefore, the policy did not qualify for the Home Purchase
Discount. The change increased the term premium by $33.00 and a Revised Declarations was mailed to the address on file.
A total down payment of $525.60 was received on July 27, 2012. Of this payment, $228.60 was applied to the automobile policy, $287.00 was applied to the property policy, and $5.00 was applied to the installment fee. A credit of $5.00 remained on the billing account. Our system does not bill out for anything less than $10.00; therefore, the first opportunity the system had to bill for the premium increase to the property policy was with the February 1, 2013, installment. The $5.00 credit was applied to the $33.00 balance and an underpayment of $8.20 was added to the February 1, 2013 bill. The payment of $263.10 that was received on January 29, 2013, paid the underpayment of $8.20 and the February, March, April, May, and June installments of $3.30 for a total of $16.50. The July installment of $3.30 was paid with the payments that were received on July 26, 2013.
Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you have any further questions, please do not hesitate to contact me, at ###-###-####, ext. ###
Sincerely,
[redacted]
Nationwide Insurance Company
[redacted]
###-###-####, ext. ####
[redacted]

I have reviewed the response made by the business in reference to complaint ID ###### and find that this resolution is satisfactory to me.
Regards,
[redacted]

I have reviewed the response made by the business in reference to complaint ID ###### and find that this resolution is satisfactory to me.
Regards,
[redacted]

[redacted]
 
 
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**       [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.
Our records indicate the named insured on the Auto policy was listed as [redacted] and [redacted].  When the policy was cancelled effective August 26, 2012 due to non payment of premium, a balance of $48.42 was left for coverage provided to the cancellation date.
There were two vehicles listed on the Auto policy at the time of cancellation, a 1998 GMC Sonoma and a 2006 Jeep Liberty.
We may be able to adjust or eliminate the amount due if documentation can be provided of other insurance prior to the cancellation date of August 26, 2012.  Please send documentation to [redacted]  or fax to ###-###-####.
I have included the Balance Due bill sent on August 31, 2012 for your review.
 
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext.#########
 
Sincerely,
 
[redacted]
[redacted]
CSSS Customer Resolution & Response
Nationwide Insurance Companies

Attached please find our response.  If anything additional is needed, please contact [redacted] at  [redacted] via phone at ###-###-####.  Thank you.
Revdex.com Note: Business provided copy of billing breakdown.

[redacted]              [redacted]
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[redacted]
This letter is in response to the complaint filed with your agency by [redacted] regarding her automobile policy.  Our records indicate the policy was set to renew effective April 20, 2014,  but cancelled effective April 20, 2014, for lack of receipt of the renewal payment.  The policy was reinstated with a lapse in coverage effective May 9, 2014.  The policy billed on an installment account with payments due on the 20th of each month.  Nationwide issued a Notice of Cancellation due to the lack of receipt of the payment due on June 20, 2014.  The Notice of Cancellation indicated a payment of $105.25 must be received for the policy listed above by July 8, 2014, to continue coverage. 
A representative from Nationwide’s customer service center received a payment from [redacted] on July 10, 2014, in error as the policy had already begun the cancellation process.  Due to this error, Nationwide has reversed the policy to show no lapse in coverage.  Attached please find copies of the June bill, the Notice of Cancellation, the payment receipt, and the policy declarations showing the continuous coverage. 
If you should have any other requests or questions regarding this matter, please contact [redacted] at ###-###-####, ext.#####
Sincerely,
[redacted]
Nationwide Insurance Companies

reality is that the other driver she has to stop red light flash on it. This is common seance  but the insurance adjuster she don't like to talk to me and said that don't call me again.You can check the proof of  ** High Way Administration paper clearly indicated  and you can contact the police officer.
 
Regards,
[redacted]