Crowne Plaza Louisville Airport

Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address her concerns about the policy.As advised in our original written response, and directly to Mrs. [redacted] on 03/24/2017 when she contacted the member service center, Mr. [redacted] can be removed from the policy once proof of other coverage from 10/19/2016 through 11/04/2016 is received. This is a company guideline to make sure our members do not experience a lapse in insurance coverage.If you require further assistance, please contact our [redacted], Lance R[redacted], at ###-###-#### or by email at [redacted]Sincerely,Jillian J[redacted]

Mr. [redacted]’ claim is currently being handled by one of my adjusters.  During the course of Mr. [redacted]’ claim he was seeking medical treatment for both injuries that appear to be related to the accident as well as treatment for other medical conditions that were pre-existing this...

accident.  A settlement offer was extended to Mr. [redacted] to compensate him for the accident in addition to paying for any medical treatment related to the accident within 90 days from the accident in an attempt to resolve the claim.  Mr. [redacted] reached out to me to discuss his concerns and presented additional information that he would like to be considered in his claim.  He did request a new adjuster as he felt that the adjuster was not properly evaluating his claim.  I assured him that I would review the file to be sure that it was evaluated properly, but would be unable to reassign his file over a dispute in value.  Due to the nature of the injuries he presented as well as the other circumstances surrounding his treatment we agreed that we would need to review his medical history and all treatment sought since the accident to confirm what is related to this auto accident and what may be unrelated.  Mr. [redacted] initially agreed to this request, which required a signed medical authorization, but since our conversation, Mr. [redacted] has revoked his signed medical authorization preventing us from securing all medical information necessary to fully evaluate the claim he is presenting.  At this time we are attempting to resolve Mr. [redacted]’ claim, but have been unable to secure all needed documentation from Mr. [redacted] to verify the claim he is presenting. Thank you,Adam T[redacted]Casualty Claims Manager

Please find attached documents. One is the official cancellation form that
was sent to me and signed via DocuSign directly from Amy Porton at
Nationwide. Not only will you see her name and the date (mine as well), but also the IP address.
As you can see, I requested and had cancelled my policy before the new
billing cycle and payment due took effect which was to start July 6th,
if I hadn't cancelled. The second
document is my new auto policy declarations page via State Farm Insurance. As you can see, this policy started on July 6th
2015. It's difficult to understand why
Nationwide wants to see the declarations page from my new insurer, as the
Nationwide policy was cancelled before any balance was owed and had I chose to
drive uninsured, it becomes a legal issue with the PA DMV and the police – not with
a business, insurance or otherwise. The only reason I can think
of, is Nationwide wants to see if I had insurance and not utilizing theirs (although the fault is with them for not processing the information).
However, if you refer to the cancellation form, you'd see that utilizing the policy beyond July 6th was
impossible from the start. Nevertheless,
both pages are attached and serve as concrete proof that I not only cancelled
the insurance before / by the time any new amounts were due, but that I had
also opened a new policy with another company, as mentioned. As a result, I wish for Nationwide to update
their records accordingly, cease any debt collection efforts, and remove
negative entries from my credit report
Regards,[redacted]

I did not speak with anyone in Columbus Ohio, I talked to the local agent [redacted], I called to verify what my coverage's where and she assured me that the loan would be covered. There was never any mention or discussion about 25%. I ask several times and she assured me that the loan would be paid in full. Only after she said she messed up and she was wrong the loan would not be covered. I asked when the policy was taken and again after the accident and ever time I was told loan would be paid in FULL>
Regards, [redacted]

The member’s wife filed a claim on their homeowners insurance policy on 9/30/2015 for water damage from recent rains.  Mrs. [redacted] stated on 09/29/2015 at approx. 9:00 pm, that there was a rain storm and she noticed rain leaking through a roof vent onto the second...

floor bedroom vent, onto the second floor carpet.  [redacted] was dispatched to begin drying out the structure and removed damaged interior items.  Heavy rains continued in this area for several days.  [redacted] was unable to tarp roof due to rain and access to roof.  Additional damages occurred to interior due to continued rains.  Member refused to have [redacted] to continue repairs and asked for a field inspection on 10/14/15.  A complaint was filed with the Revdex.com on 10/14/15, claiming [redacted] has not completed repairs.  A claims professional met with the member on 10/15/15 and wrote a repair estimate and dispatched a separate contractor to tarp the roof to prevent further damages. 
Claims manager spoke with member, George J[redacted], on 10/16/15 and verified that the complaint has been resolved with a new contractor involved.  The claims manager left his name and number to contact him if there were any additional questions or issues.  No further issues, the complaint is resolved.
If you have any further questions please feel free to contact me. 
Sincerely,
Ken G[redacted]
[redacted]

This letter is in response to your correspondence dated March 4, 2015.  As a means of addressing each of Ms. [redacted]’ issues, we will be addressing each bullet separately.  · Billing at $160.43 monthly as promised. However, to avoid cancellation I will be paying the current bill of approx. $172 and I am expecting a reimbursement of the difference.   As mentioned in prior emails to Ms. [redacted], we have credited her account for $34.77. This will lower her three remaining monthly payments to $160.43 assuming that there are no further changes.· Send documentation that shows invalid claims have been deleted from my account /insurance claim reports. I have attached a letter from [redacted] for proof.    The changes have been processed and a new report mailed to Ms. [redacted] on March 10, 2015.· Send documentation besides declaration pages showing an increase in my area which made my recent premium higher.   The changes in premium in this case are due to coverage and discount changes, not due to a rate increase.· Documentation when either home/car discount was added and taken off (if this is the discount that was removed). If not, and it was actually homeownership discount this needs to be placed back on account immediately.   The Homeownership discount (shows Homeowner on Policy Declarations) was placed on the policy effective November 4, 2013 and removed on January 14, 2015.  This information can be seen on declaration pages dated 11/7/13 and 1/21/15.  The Homeownership Discount was removed as Nationwide has no documentation that Ms. [redacted] owns a home.  The Homeownership discount applies when a member who has a Nationwide Auto policy owns a home or condo that is not insured by Nationwide.  If Ms. [redacted] can provide the company with acceptable proof that she owns a home, the discount will be reapplied to her policy. Acceptable proof would be a copy of a mortgage payment coupon, copy of a Homeowner declaration page listing Ms. [redacted] as the named insured, copy of a deed or closing papers, etc.· Documentation that shows when widowed was changed from single on policy.   The attached declaration pages reflect the change in marital status from single to widowed. There is no price difference between single and widowed for someone with Ms. [redacted]' birth year. The first file shows the marital status as single while the second file shows it as widowed. The third declaration page reflects the change back to single.· I am expecting an adjustment from the underwriting department which back dates to -5/2014 as promised.    The years of driving experience for Ms. [redacted] has been updated to reflect her actual years of driving experience (12). Any credit will be reflected on the updated declaration page.· Documentation of removal of policy cancellation.   We have reviewed Ms. [redacted]’ file and confirm that no cancellation exists, aside from the October 30, 2014 reinstatement of coverage with no lapse.  Please refer to the attached declaration pages.  · Removal of such notes that suggest my policy will be rewritten through Titian or any other company as such.  We have reviewed Ms. [redacted]’ file and confirm that no such notes exist.· Documentation that states how many roadside claims can be made without penalties.  The Roadside Assistance coverage is intended to assist our members during unexpected emergency events that hinder the normal operation of their vehicles, such as changing or inflating a flat tire, service to the battery, lockout service, etc.   The coverage is not intended to be used as an alternative to routine or necessary vehicle maintenance.  If the reported number of claims for this coverage exceeds six in a twelve month period, the company may, pursuant to the terms of the policy and only with advance notice, remove this coverage from the policy at its next anniversary renewal date.· Roadside Assistance:  Ms. [redacted] expressed concerns surrounding the multiple Roadside Assistance claims which appear on her history.  As previously discussed with Ms. [redacted], each call for Roadside Assistance results in a claim being filed.  In Ms. [redacted]’s case, multiple calls were made on particular dates, which resulted in multiple claims for March 3, 2014 and September 26, 2014.  There were successful service calls made on each of those dates, as well as on June 13, 2013 and July 22, 2013.  While these claims cannot be removed from the claims history, we have submitted requests that these claims be shown as not at fault roadside assistance claims on Ms. [redacted]’s Comprehensive Loss Underwriting Exchange (CLUE) report.  A new report, showing any revisions, will be sent directly to Ms. [redacted].  · I am requesting that my state limits are changed from 50/100/50 to 30/60/25 immediately.  The liability limits on policy [redacted] will remain at 50/100/50 per an email from Ms. [redacted] sent on March 10, 2015 to [redacted] in the [redacted] agency.· For my policy to be rewritten through another [redacted] company and Please have a representative contact me to discuss PIP and to discuss changing agencies which are closer to my house.   Ms. [redacted] can be quoted in another Standard company at Nationwide by calling her agent, Jeff Hunt, at ###-###-####.  The policy can be quoted with or without PIP.  In addition, she can also obtain a quote at that time to add PIP to her current policy.  Regarding changing agents, Ms. [redacted] can do so by going to any agent of her choosing and they will process the change.Thank you for the opportunity to address our customer’s concerns. As explained above, company representatives have addressed Ms. [redacted]’ concerns multiple times.  We understand that you or Ms. [redacted] may not be satisfied with the information provided in our prior responses.  Nonetheless, the company has directly and accurately responded to each inquiry and therefore considers this matter closed.Sincerely,  
[redacted]  [redacted]Tel:  ###-###-####

Your inquiry on behalf of the customer associated with the complaint ID noted above was referred to me for response.My review indicated that our Customer Service Representative did not provide correct information regarding the change in the billing system when speaking to the insured late last year....

In conjunction with this change, the new billing program would not function in the same manner as the previous one had. The insured was making monthly payments on a program that required payment in full only at the beginning of the new policy term. While the prior billing program allowed the monthly payments, the new one would not.I spoke to Ms. [redacted] and explained what had occurred. She indicated they had obtained other insurance but needed correction to their policy cancellation date to avoid forced placed insurance by their lienholder. This change has been made and the collection process halted as there is no longer an outstanding balance owed. We regret the confusion created by the inaccurate information provided by our representative during our transitioning to the new billing program.Thank you for this opportunity to review our handling. I hope the additional information provided serves to further explain our actions. If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K[redacted] direct at ###-###-#### or by email at [redacted]Sincerely,Mary K[redacted]

Thank you for the opportunity to respond to the complaint filed by Mr. [redacted] regarding his concerns with the above referenced policy with Nationwide Mutual Fire Insurance Company ([redacted]). We have reviewed the concerns expressed by Mr. [redacted] and will attempt to address them in this...

letter.Homeowner Policy ######## On August 13, 2010 notification of non-renewal was mailed to Mr. [redacted] advising that his homeowner policy would be non-renewed effective September 30, 2010 as a result of him no longer meeting our eligibility requirements for our homeowner program. Mr. [redacted] had more than one weather related and one non-weather related loss within the past three years. There was no remaining balance due on the homeowner policy. Dwelling Fire Policy######## On September 7, 2011 a billing statement was mailed to Mr. [redacted] to the last known address on file, requesting payment of $85.89.  Payment needed to be received by our Company by October 1, 2011 in order to prevent cancellation of the dwelling fire policy. Payment was not received by the requested due date. On October 7, 2011 Notice of Cancellation was mailed to Mr. [redacted] to the last known address on file, informing Mr. [redacted]hat payment of $85.89 be received by October 18, 2011. Payment was not received and as a result his dwelling fire policy cancelled effective October 19, 2011. A copy of the notification of cancellation is attached for your reference. Coverage was provided under policy 6341T471701 for Mr. [redacted] from December 30, 2010 until it cancelled effective October 19, 2011. Unfortunately, the premiums paid did not completely cover the entire time coverage was provided, resulting in an outstanding balance of $99.67.  On October 25, 2011 a billing statement was mailed to Mr. [redacted] requesting payment of $99.67 by November 13, 2011 for the remaining outstanding balance. A copy of the billing statement is attached for your reference. Payment was not received by the requested due date and sent to collections on December 13, 2011.  We appreciate the opportunity to review Mr. [redacted]’s business, and hope that this information will help to address his concerns. If you require further assistance, please contact our [redacted], Jose L[redacted], at ###-###-#### or by email at [redacted]Sincerely, Jennifer F[redacted]

This letter is in response to the complaint filed by Mr. [redacted] over the collection balance and the Vanishing Deductible feature on the policy.   On December 21, 2016 Mr. [redacted] called to replace a 1997 [redacted] pickup truck with a 2016 [redacted] Soul effective December 20, 2016. At...

the time the vehicle was added a billing statement for January was already sent. Nationwide does not increase installments after billing statements are sent so the 2016 [redacted] Soul was not included in the billing amount until the February billing statement was issued.    On December 22, 2016 Mr. [redacted] called in to inquire on Vanishing Deductible. In the call he stated he just spoke with an Agent through Nationwide Sales and he was advised he did not have Vanishing Deductible. Servicing advised him he did not but asked if he was interested in getting the Vanishing Deductible added. Mr. [redacted] wanted Servicing to quote adding the Vanishing Deductible. Mr. [redacted] had stated he wanted to make it available when he replaced the vehicle on his policy as he thought he had the coverage then. Once Servicing quoted the amount and gave it to Mr. [redacted] he was upset that he was expected to pay for the backdating. Servicing explained we would not be able to add the coverage without charging premium. Mr. [redacted] did not want to pay the premium; the Vanishing Deductible feature was not added to the policy.   On January 4, 2017 Mr. [redacted] called in to inquire on Vanishing Deductible. He wanted to verify that the Vanishing Deductible feature credit amount was set to $400.00. Servicing reviewed his policy and stated they did not see that he had the feature at all. Mr. [redacted] explained he thought he has had the feature since the policy has been written and asked her to review the call to get the Vanishing Deductible feature added. Servicing agreed to send for a call pull to review and see if the coverage could be added back to the start of the policy. Servicing then advised Mr. [redacted] in order to backdate the addition of the Vanishing Deductible feature back to 2014 we would have to charge him the premium for that coverage back to November 4, 2014. Mr. [redacted] stated in the call that he didn’t want to pay for the prior four years and would like to have the coverage added effective December 22, 2016 when he replaced his vehicle.   Servicing added the coverage and advised Mr. [redacted] his deductible credit would be set at $100.00 and would reduce annually until it reached $500.00 and that the deductible credit could not be set at $400.00 at the time of adding the feature. Mr. [redacted] agreed to the change which resulted in an increase of $22.00 and added the Vanishing Deductible effective December 22, 2016.   On January 11, 2017 a Declaration page was sent to Mr. [redacted] indicating that the Vanishing Deductible had been added. On the Declaration page it indicates that Vanishing Deductible feature credit amount was set to $100.00. In addition to the Declaration page a billing statement was sent indicating an amount due of $101.46 was due for the Auto policy by February 4, 2017. This was the first billing cycle in which Nationwide had billed out for the 2016 [redacted] that was added December 22, 2016. Nationwide does not increase bills due to a change and at the time the 2016 [redacted] was added a bill for January had already been sent.   On February 8, 2017 Mr. [redacted] called in and request canceled his Auto policy effective February 10, 2017. A confirmation e-mail was sent to Mr. [redacted] indicating the Auto policy was canceled effective February 10, 2017. The collection amount is premium due for the 2016 [redacted] Soul which had not yet been collected due to Nationwide not having time to bill out for the added vehicle until January. If Mr. [redacted] can provide proof of coverage before the February 10, 2017 cancel date on the policy, the date can be adjusted to reflect the correct cancel date.   In summary, the amount of $89.39 is valid based on the premium due for the vehicle that had not yet been collected and the Vanishing Deductible feature that the Mr. [redacted] agreed to add.   If you require further assistance, please contact, [redacted], at ###-###-#### or by email at [redacted].   Sincerely,  [redacted] Sr. Analyst

This is an update on the above case regarding [redacted].The MD Claims Manager comments: On 12/12/15 an inspection by [redacted] took place at [redacted]'s address to determine Diminution of value. We received the report on Monday 12/14/15; I contacted [redacted] and reviewed the report and the amount of Diminution of value loss of $2068.00. I emailed the report to her that evening. She replied on 12/15/15 via email, she was in acceptance of the offer for Diminution of value in the amount of $2068.00. We issued a check settlement on 12/16/15 and sent it to her address on file. The complaint has been resolved and closed based on settlement.If you have any further questions, please feel free to contact me.Sincerely,Ed [redacted], IIClaims Manager540-582-[redacted]

I reviewed the response made by the business in reference to complaint ID 12100896, and find the resolution is UNsatisfactory to me. I will create a new case later if needed once I complete my treatment. This has because a battle of back and forth and giving me such an headache and heart ache. But, Right now to keep my mental sanity I need to understand that they are not willing to working with me and doesnt care that I am their customer as well.

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Consumer contacted Revdex.com stating the matter has been resolved satisfactorally and can be closed.

This has absolutely nothing to do with my property and I have no idea who they are speaking of. There is no "[redacted]" involved. My last name is [redacted]. They should recheck the claim number which is for property in North Wildwood, NJ ([redacted] Ave unit [redacted]). [redacted]

This is in reference to complaint ID 10929623 and an email that was sent to me (copy attached). I wouldlike this complaint file reopened. I read the email over and noted a big error which started this, process ,my letter dated January 4, 2013.In the email the check sent on January 4, 2013, check no. 2736 for $125.10 was not mentioned, nor didit state they sent the check back, which I still do understand why. I did not receive the check and if I hadwould have called and everything would have been straighten out. It was also not mentioned that theysent me a collection notice from [redacted] dated September 2, 2014 for $125.10 which Ipaid. December 2012 I did not receive a bill that a payment was due.  It was not until I received the letterdated December 31, 2012 stating my policy was cancelled.I blame Nationwide for their lack of communications, not handling my policy properly and being withoutcar insurance for three months, The least they can do it reimburse me for $3,102.03 ($2,627.10+$125.10see back of letter dated June 2, 2015) and settle this.Thank you for your help. Any questions or concerns call me at ###-###-#### or email me at [redacted]Sincerely, [redacted]

the short rate clause isn't found in my own records and the supposed clause that is reference in the company's response doesn't disclose that rate to consumers.
Regards, [redacted]

We are in receipt of your correspondence dated April 10, 2017 addressed to [redacted] regarding [redacted]s concern of owing a collection balance and not being notified of the increased monthly installment.  I will be happy to respond to Mr. [redacted]’s concern on her...

behalf.   Policy [redacted] was an annual personal automobile policy which incepted October 13, 2016 and was cancelled effective January 25, 2017 per Mr. [redacted]’s request.  The policy was issued with an annual premium of $2,135.76; the premium was increased $1,161.48 due to trailing documents known as the [redacted] Forms not being signed and returned to [redacted] Auto & Home Insurance or [redacted] Insurance Company.  The specific forms which were not returned were the Uninsured Motorist Waiver of Stacking Form, Tort Form, and Auto Minimum Limits Form.  Since these forms were not returned medical payments limits were increased, tort coverage was changed to full tort, and uninsured motorist’s coverage stacking option was added effective the October 13, 2016 inception date.   [redacted] Insurance Company issued an amended declarations page on November 21, 2016 advising of the increase premium and a billing statement was issued on December 20, 2016 advising the monthly installment was $307.03.  Both documents were mailed to Mr. [redacted] at [redacted]   [redacted] Insurance Company is not able to accommodate Mr. [redacted]’s request to issue a refund for $241.89 and remove the $92.14 collection balance.  The $92.14 is the additional amount owed for coverage provided to January 25, 2017 since the [redacted] Forms were not returned to [redacted] Auto & Home Insurance or [redacted] Insurance Company.   If you require further assistance, please contact our [redacted] Barb D[redacted], at ###-###-#### or by email at [redacted]                  Sincerely,               Jake M[redacted]

3.11.16 Revdex.com returned consumer's phone call left vm.

[redacted]
 
Thank you for your recent inquiry regarding a complaint you received from [redacted] on November 12, 2014.  If I do not provide the information you need for this matter, please do not hesitate to let me know.
 
[redacted] has a...

Nationwide Mutual Fire Tenants HT-31 policy that provides coverage for his personal property.  His policy provides coverage for replacement value of property damaged by a covered loss.  The policy pays actual cash value at initial settlement and once documentation is received confirming the property has been replaced, an additional payment may be issued for remaining depreciation as indicated on the estimate provided to the insured.  
 
[redacted] was issued a check on June 4, 2014, in the amount of $3,389.67, for the actual cash value and sent a copy of the estimate for his property that was damaged in the loss.  On the same date, the insured was sent a letter regarding how to recover the depreciation for his property, as the adjuster was unable to reach [redacted] by phone to discuss this.  In addition, Nationwide attempted to reach [redacted] on June 10, July 8 and September 10, 2014 regarding the depreciation with no response.  Another letter was sent to [redacted] on July 8, 2014, addressing how to recover depreciation withheld on his property, but again no response.  On November 19, 2014 I called and emailed [redacted] and received a response via email indicating he was not available to discuss his claim but rather would attempt to contact me the following day to discuss it.  
 
Based on my review, the documentation needed to review for additional payment has not yet been received from [redacted] and Nationwide has made attempts to reach out to him for this documentation with no success.  I will continue to reach him to discuss the claim further as we strive to meet our customer’s needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to call me.
 
Regards,
 
 
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
Office: ###-###-####
Fax: ###-###-####

I am rejecting this response because: was lied to at start of sale that I had vanishing deduction at start of process.
Regards,
[redacted]