American Plumbing Contractors

[redacted] *** [redacted] [redacted] took his vehicle to [redacted] *** Inc for repairs [redacted] ’s vehicle is a Ford Fusion SE with mileage of 69, Collision related damages were to the rear of [redacted] ’s vehicle in the amount of $4,(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 $for diminution of value for this covered loss Nationwide’s offer is $ Breakdown of Offer: $for diminution of value + $for the appraisal fee [redacted] incurred The $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-structural components replaced and or more non-structural / cosmetic panels replaced NOTE: [redacted] ’s vehicle was in two prior accidents One occurring 7/18/with [redacted] (front end damages totaling $6944.91) and another accident on 1/10/with [redacted] (Left side damages totaling $1664.60) We are willing to reimburse [redacted] for the appraisal fee of $ 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] AMCO Insurance Company/ Nationwide Insurance Company Phone ###-###-#### Email address: [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 Our records indicate the named insured on the Auto policy was listed as *** and [redacted] When the policy was cancelled effective August 26, due to non payment of premium, a balance of $was left for coverage provided to the cancellation date There were two vehicles listed on the Auto policy at the time of cancellation, a GMC Sonoma and a 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, Please send documentation to [redacted] or fax to ###-###-#### I have included the Balance Due bill sent on August 31, for your review If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext.######### Sincerely, [redacted] CSSS Customer Resolution & Response Nationwide Insurance Companies

*** [redacted] [redacted] *** [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] [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, 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, The Notice of Cancellation indicated a payment of $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

[redacted] *** Thank you for taking the time to speak with me on September 29th and allowing me to assist with your inquiryPursuant to our discussion, I have agreed to pay for a diagnostic review of your vehicle's alignment This will be completed by a mechanical facility of your choice During our discussion, you indicated that the two mechanical facilites that have inspected your vehicle did not supply you with an estimate to repair or replace any partsThe diagnostic review that will be completed by the repair facility of your choice, will need to provide you with a description of the damaged parts in question and the cost to repair or replace such needed parts I provided you with my name and telephone number, so you can provide your mechanical facillity with a contact at Nationwide Insurance CompanyOnce they have provided you with an estimate, either you or the facility can either email or fax me the estimate for reviewMy fax number is ###-###-#### and my email address is [redacted] Please contact me at ###-###-#### when you decide to take your vehicle in for the diagnostic check, so I may assist in fascilitating the process If you have any questions or concerns, please contact me at ###-###-#### or [redacted] Sincerely, [redacted] Nationwide Mutual Insurance Company [redacted]

I moved to [redacted] in June The address and phone number changes were made via the online service center but I also spoke with the [redacted] insurance agency regarding my relocation I was advised I could not have an auto policy for a car garaged in [redacted] underwritten by a [redacted] agency According to your response statement, a retention agent attempted to contact me in March If this took place, it was still several months after my relocation and contact was never made There would be no reason for me to not respond when I had initiated the policy change in the first place I had been a customer for years! Also, your statement claims I continued to make contact with the [redacted] agency which is true I was sent a notice that they could no longer service my out-of-state policy effective July This was on bright pink letterhead Only after the month concluded do I get the cancellation notification which includes a request for payment As far as I knew, I did not have insurance coverage for the month Further more, I did not want continued insurance coverage from Nationwide Regards, [redacted] ***

Hello, After reviewing the message regarding this complaint, I would like to argue that I would not consider this resolved by any meansNationwide 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] ***

[redacted] This letter is to serve as a formal response to the complaint filed by [redacted] [redacted] with the Revdex.comThe 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 officeOn July 15, 2014, [redacted] contacted our Customer Service Center at 4:p.mEastern Time to check on the status of a fax that she had sent earlier that dayThe 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:p.mEastern Time on the same day, [redacted] spoke with ***, who again, confirmed the fax number was correct, but also provided her with an alternate fax numberThis fax number belonged to the ***'s supervisor and faxes to personal numbers arrive via e-mailThe fax was received at 5:p.mEastern 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 morningAdditionally, [redacted] forgot to notate [redacted] ' account after they spoke At 5:p.mEastern Time on July 15, 2014, [redacted] spoke with [redacted] who confirmed that the initial fax number was correctHe 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 ***'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 timeThis fax was received at 6: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 numbersHowever, 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 helpfulIf you have additional questions or concerns, please do not hesitate to contact me directly at ###-###-####, ext####3, weekdays from 8:a.mto 6:p.mEastern Time and I will be happy to assist you Sincerely, [redacted] [redacted] Nationwide Retirement Solutions

this is nothing but a bait and switch tacticWhen I purchased my policy from [redacted] I was never asked about having prior insurance for the last months because I didn't have insurance since I was out of the country for the last yearSo because of my age years old I'm sure they just assumed I had prior insurance, and you know what they say about assumptionsI agreed to pay a month for insurance and I had no problem paying it, until you guys decided to raise my rates to a month and that sa percent increase and that is an insane amount to pay for two used carsI agreed on a price and that is why I went with your insurance company and you are expected to deliver a service for that priceWhen you decided to raise the rates percent I exercised my right to cancel which I did in writtngYou 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 youYou want dollars out of me then u better be providing a serviceAll of your prorated moneies are all on your a month insurance raise of my rate which I already stated before that I never agreed to pay everI only agreed to pay a month so your bill is rubbish and you ought to be ashamed of yourself your trying to steal my hard earned moneyI 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 soSo 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 from my agreed upon price of for an and an I have no intention of paying you ever and your estimates are ridicules as I stated they are based on fiction because I never ever agreed to pay you a monthSo quit trying to take money from some hard working individuals and start providing the services you are being paid for 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] I received the breakdown request sheet that doesn't explain why they want 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 itSo I agree to pay dollars for month no change From the first week till 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 #(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, or 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 hasSo, 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 and you just need to sign the paper on lineSo the paper was authomatic on line page # Then I have a page #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 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 #support what the other agent said that was due to been coverage till May 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] ***

[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 letterThe payoff check from the dealership posted to your Nationwide Bank loan account ########) on July 11, 2014, with an effective date of July 7, 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 dateThe overage check, in the amount of $99.35, was released ten business days after the payoff check postingThis allows us time to verify payoff funds prior to releasing fundsTherefore, the letter attached to the overage check reflects the tenth business day which was July 24, For accounting purposes, the overage check is generated and dated for the date the loan balance is paid in full, which was July 11, Nationwide Bank was within their service level agreement Second, the phone conversations that took place between you and our lending department dated July 11,and July 24,were reviewedOn July 11, 2014, the lending representative confirmed that the payoff from the dealership had been receivedYou 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 checkThere 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 closedYou were told that the check would be mailed on July 28, You asked to speak to a supervisor and after waiting on hold for several minutes, you were transferred to a supervisor's voice mallUnfortunately, 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 youYour feedback was provided to the appropriate manager in order for training and coaching to be providedWe 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:AM - 3:PM, EST Thank you Sincerely, [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 policyIf 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.comThe policy was requested with an effective date of July 17, Later that day, [redacted] called our Customer Service Team and requested to have the effective date changed to July 9, A request was sent to underwriting for approval on this changeIn 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 coverageAs a result, she was informed that she would not qualify for the standard product that had been purchasedAt this time, [redacted] requested the policy be cancelled effective July 17, [redacted] was transferred to our Retention department to discuss the issues and request the cancellationOur agent [redacted] advised [redacted] that refunds are automatically held for 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 refundShe 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 days is in regards to the refund being heldHe 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 cancellationShe obtained contact information for ***’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, A refund of $was initiated on July 22, 2014, but would have been held for an additional 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 $down payment to [redacted] ***’s bank accountThis was completed on July 22, [redacted] was contacted and informed of the action taken and advised that the funds should show in her account in to hoursWe also apologized for any frustration she experienced as a result of the processing delayIt 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] Nationwide Insurance

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

[redacted] [redacted] [redacted] [redacted] ** [redacted] ** [redacted] *** [redacted] [redacted] *** [redacted] I am in receipt of the above referenced complaint and have responded It is my understanding that [redacted] has rejected this response concerning his diminished value claim Please be advised that we are standing firm on our offer of $for the reason’s we outlined [redacted] has also filed a complaint with the [redacted] Department of Insurance in which we have answered the same Sincerely, [redacted] ############

[redacted] [redacted] *** Called [redacted] at ###-###-####, We agreed to settlement of $The vehicle is currently located at her grandfathers [redacted] ***She is going to get plates in the morning and then we can pick upI 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]

Thank you for your interest I have never delt with such a big well known company with such bad results other than State Farm they cheated me out of $7,about eight years agoAnd this one that I think they were trying to think I might forget about my refunds I am not sure which check I got last Monday, for because customer service said they stopped payment on one for The claim they mailed out one the last of August, I never got one in August for The only one I got was last Monday, the 22nd of Sept I will let you know if that one is the only one I get thats stop pay Sincerely, [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, Nationwide collected the annual premium amount of $on June 17, On June 30, the policy cancelled for an effective date of July 1, On July 1, 2014, Nationwide calculated a refund amount of $for the policyholder Nationwide held the premium for days to validate the original payment On July 11, 2014, Nationwide returned the payment of $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] – Customer Resolution and Response Nationwide Insurance Companies

[redacted] [redacted] ** [redacted] [redacted] [redacted] *** This letter is in response to the complaint received on September 17, The non-renewal of this policy occurred effective August 3, 2014, due to possible undisclosed driver informationBased 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 householdThe letter advised that the policy would be terminated effective August 3, 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 #: ###-###-####

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] 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 policyOn 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 themWe received the forms on August 19, without an effective date of cancellation, therefore they were not processedOn August 21, 2014, [redacted] inquired on the cancellations and was informed the forms were received incomplete and that new forms were sentThe forms were again received on August 26, and were processed cancelling the three policies effective August 4, The refunds were generated for each policy and mailed outA refund of $1,for the home policy was generated on September 3, and cashed on September 9, A refund of $for the umbrella policy was generated on August 27, and cashed on September 17, A refund of $for the auto policy was generated on September 2, and does not show as cashed yetBoth 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]