Thank you for your recent inquiry regarding a complaint you received from our insured, Dan W[redacted]. I reviewed the complaint and the claim file and would like to address Mr. W[redacted]’s concerns. This claim was handled under a Farmowner’s Policy underwritten by Nationwide...
Agribusiness Insurance (Nationwide). This policy originally incepted on November 11, 2009. On April 21, 2017, Mr. W[redacted] had a 2017 [redacted] with Loader B4122 & Mower added to the policy. The tractor had a limit of $21,050.00 and a deductible of $2,500.00. A claim was reported for a loss on July 19, 2017. Claims Specialist Michael Charles C[redacted] spoke with Mr. W[redacted] on July 20th to discuss the details of the loss. Mr. W[redacted] explained that he was moving something with the tractor and had the item in the bucket when the item rolled out and hit the hood of the tractor causing damage. There was damage to the hood, the bucket joystick, cluster gauge and the plastic around the steering wheel. Mr. C[redacted] went over the coverages which included $10,000.00 in rental, $5,000.00 for Extra Expense/Continuing Operations, and a $2,500.00 deductible. An inspection would be performed to evaluate the damages. On July 25th, Mr. C[redacted] spoke with Mr. W[redacted] and Mr. W[redacted] advised that there was a dispute over the amount of the deductible. Until the dispute was settled, he didn’t want to move forward with the claim. An investigation was being conducted by the Agency Support unit to determine if there had been an error on the behalf of the Agent’s office when the tractor was added to the policy as Mr. W[redacted] had not intended for the deductible to be $2,500.00. On August 11th, Mr. C[redacted] contacted Mr. W[redacted] and informed him that the Agency Support investigation was complete and they found no error on the part of the Agent. The deductible would remain at $2,500.00. Mr. W[redacted] was upset and did not want anything done on the claim. He advised that he intended to contact the Revdex.com, the Department of Insurance, and [redacted]. On August 15th, Mr. C[redacted] spoke with Mr. W[redacted] again. He went over the settlement with him. The repair estimate came to $3,436.22. After the deductible of $2,500.00 was taken, Nationwide owed a balance of $936.22. Mr. C[redacted] advised that he would be issuing a payment to Mr. & Ms. W[redacted] and their repair facility for $936.22. The payment was issued on August 18, 2017 (check #[redacted]) to Heather & Dan W[redacted] & [redacted]. The claim is now closed. If you have any additional questions or concerns, feel free to contact Customer Advocacy Coordinator Yvette S[redacted] at ###-###-#### or via e-mail at [redacted]. Sincerely, Julie C[redacted] Claims Specialist III / MD Centralized Services Analytics & Customer Focus Team NATIONWIDE AGRIBUSINESS INSURANCE
This letter is in response to your request for information pertaining to the above file.
As stated in my previous response the policy coverage dates were from April 4, 2015 to April 28, 2015. The policy was cancelled per the request of Ms. [redacted]. The Auto policy is not a month to month coverage. We allow the member to make a monthly payment but that doesn’t mean the coverage is month to month.
The total charged for coverage from April 4, 2015 to April 28, 2015 was $80.30. A payment of $63.80 was received on April 1, 2015. There were two $8.00 service fees charged. The total charged of $80.30 plus $16.00 charged in service fees minus $63.80 total payment equals $32.50 charged for coverage provided up to the cancellation date of April 28, 2015.
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext. [redacted] or my email address is [redacted].
Obviously, someone does not know how to read doctor's notes. The note on 7/30/16 clearly states that she has laryngeal paralysis and that the lateral chest X-ray shows a normal cardiac silhouette. At no place in the 7/30/16 notes was pneumonia even mentioned. As I mentioned when I spoke to the rep, I never had these issues when it was VPI and now that it has been taken over by Nationwide, I am having issues. I am hugely disappointed in Nationwide. They have lost a customer since I will not be insuring my new puppy with them. I will also not recommend Nationwide to friends, family, and other dog training professionals. So much for being a loyal customer for 15 years.
Regards, [redacted]
I'm still apalled at how nationwide was not fully involved with further action I had to on my own reach out to different people and call the claims center to get a hold of the proper management. They did not work along with me at all only until now in which there is new issues that are going on with my vehicle and is now at a new body shop. I'm just not happy what so ever on how this was handled and to top it all my premium is going to go up in November. I feel the girl who was assigned to the claim was nasty and did not wanna hear me out this needs to be looked into more deeply thank you
Regards,[redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
I am writing in response to the complaint from [redacted] regarding the NationwideFlexible Premium Variable Universal Life Insurance policy referenced above. This matter wasforwarded to Nationwide's Office of Compliance for review and handling. I appreciate yourpatience while we completed our...
review.Our records indicate that policy # [redacted] is a Nationwide Choicelife Protection FlexiblePremium Variable Universal Life Insurance policy that was issued on April 17, 2000 withinitial specified amount of $75,000 on the life o[redacted]. This policy has an insurancecomponent and an investment component; however. its primary intended purpose is to providelife insurance coverage until the maturity date stated in the contract.One of the most notable features of this policy is its premium flexibility. After payment of theMinimum Initial Premium, which is required in order to put the policy in force, payment ofadditional premiums is solely at the discretion of the policyholder. Rather than remaining inforce due to the timely payment of a fixed or scheduled premium, the policy remains in forcefor as long as there is enough Net Cash Surrender Value to pay the monthly charges (thisrepresents the cost of insurance, administrative charges and the cost of any riders).The policy is designed to provide flexibility in connection with premium payments, investmentoptions and death benefits. The policy owner has the right to vary the frequency and amountof premium payments, to allocate net premiums among the various Separate Accounts orGuaranteed Account, to increase or decrease the death benefit, or to change the death benefitoption, according to policy provisions. This is not a fixed premium life insurance contract. Theaccount value of the policy is allocated to the sub-accounts selected. The value of theunderlying sub-accounts fluctuate daily depending upon market performance and are notguaranteed.Our records indicate that this policy went into a "lapse pending" status in April 2016. A lapsenotice was mailed to Mr. Amstrong on April 17, 2016 informing him that unless sufficientpremium was received by June 17, 2016, the policy would terminate. A reminder was thensent on May 17, 2016 and the final lapse notice was sent on June 23, 2016. Mr. [redacted]chose to pay a monthly premium of $25 per month throughout the life of the policy leaving itwith insufficient value to cover the cost of insurance.Enclosed is a copy of the application (Exhibit. A) for policy [redacted], and the policy itself(Exhibit B), given to Mr. [redacted] at issue. Each of these documents contain disclosuresrelating to the nature of this policy, including that the policy values could increase or decreasein accordance with the investment experience of the Separate Accounts and may increase inaccordance with the Interest credited to the Guaranteed Account, as well as statements withregard to the cost of insurance in relation to policy cash value.After policy [redacted] was issued, Mr. [redacted] had a period of 10 days to review thepolicy. Within those 10 days the policy could have been canceled with a refund of premium.In reviewing our records, we cannot find any information that would lead us to believe thatMr. [redacted] expressed any dissatisfaction with the policy during the examination period.In addition, since issuance of the policy, statements have been mailed to Mr. [redacted] on aquarterly and an annual basis indicating policy values, withdrawals, gains/losses, as well ascurrent surrender value.Based on our review, we feel that the terms and conditions of this policy were adequatelydisclosed to Mr. [redacted] at the time of purchase and find no basis to offer any type ofadjustment to policy [redacted]. If there is any other documentation you would like us toconsider, please forward it to my attention and we will review it thoroughly.We appreciate your patience in this matter. Should you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jeremy W[redacted]
I am in receipt of your correspondence of May 4, 2015 regarding the above captioned loss andwould like to take this opportunity to respond.This claim was reported to us on March 2, 2015 and handled in our Harleysville, ** CatastropheUnit. Immediate contact was made with our insured and we assigned...
an adjuster to view theclaimed damages. This inspection was completed by [redacted]with [redacted]. on March 10, 2015 as that was when the insured would be available.The insured also contracted with [redacted] to perform water mitigation of the property. [redacted]was not hired nor were they contacted by Harleysville Preferred Insurance to complete anymitigation at the premises. Once we were notified that they had inspected the property we didcontact them for the scope of their repairs. We discussed their mitigation process with [redacted]from [redacted] on March 6, 2015.Our investigation found water damage consistent with ice dams to the interior of the home.However, a complete inspection of the roof found numerous areas of preexisting damages andrepairs as well as evidence that the roof at one time had been tarped. No evidence was found ofice dam damage to the roof. The roof had damage in numerous places which was not indicativeof damage caused by ice as the damage was not where the ice had formed but wide-spread on theroof. We have included photos that document these findings.We received the estimate on March 17, 2015 and discussed the estimate with the insured onMarch 19, 2015. This estimate was emailed to [redacted] and payment was issued on March 26,2015. Also on March 26, 2015, [redacted] called and was concerned that the roof was not beingincluded in the estimate. We agreed to send assign a second inspection.This re-inspection was completed by [redacted], with [redacted]. onApril 14, 2015 At that time the roof was re-tarped. [redacted] was unable to see any damage tothe roof due to the tarp. [redacted] was informed that if he had the tarp removed, [redacted]would come out again to see the claimed damages or that Harleysville would assign a roofingexpert.[redacted] did prepare a supplemental estimate to include some additional damages includingice removal from the roof, a new shed and the subsequent tarping of the roof, as a customerservice to assist [redacted] in preventing further damage. Paying for the tarp was not anadmission of coverage for the claimed roof replacement.Payment for the supplemental damage was issued on May 1, 2015. [redacted] was informed by[redacted] that when the roof was again exposed we wouldsend out a roofing contractor for another inspection. At this time we have not heard anythingfurther from [redacted].Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, [redacted], at ###-###-#### or via email at [redacted]Regards,[redacted]###-###-###
The PDF form of Titan's does NOT show my signature. I want to see MY ORIGINALLY SIGNED DOCUMENT, and I will know if it is my signature. Anyone can leave the signature blank and fill out/type out the info, but WHERE'S MY SIGNATURE? Besides, none of this was said to me...MY DOWN PAYMENT WAS TO START MY VEHICLE INSURANCE. If I was told any of this about yearly purchase of insurance, early cancellation crap, etc., etc., I NEVER, IN MY LIFE, WOULD EVER HAVE PURCHASED SUCH TRASH. Cannot believe this is being done. What corruption! The media really does need to get involved in this doings, and get the word out to people re this disgusting stuff they are doing. It was my belief that I was buying regular/normal vehicle insurance for my car AND NEVER IN MY LIFE HAVE I EVER RAN ACROSS CAR INSURANCE WHERE YOU HAD TO SIGN UP FOR A YEAR. WHAT CRAP! PEOPLE SELL THEIR CARS SOMETIMES, WHAT KIND OF PRACTICE IS THIS. Once again, I NEVER WAS TOLD ANYTHING RE YEARLY PURCHASE FOR VEHICLE INSURANCE. I would have gotten right up and walked out that door. My old Farmer's Insurance told me I'd be sorry when I told them I insured with Titan. But, I never signed documents WITH MY SIGNATURE ON IT, to receive insurance in this manner. If this is NOT SETTLED, I am contacting every news media I can think of so they can get the word out to the people. I thought Nationwide was probably a great company, boy that's a joke. BUT ALL THE PEOPLE NEED TO KNOW ABOUT THIS. I've worked for lots of insurance companies, [redacted], with [redacted] (AUTO SECTION), and a couple more and never anything like this. They had normal policies. THIS IS INSANE! ALL THE PEOPLE NEED TO BE AWARE OF THIS COMPANY ONCE AND FOR ALL. Regards, [redacted]
Dear [redacted]This letter is in response to our second follow up letter that was sent on March 6, 2015. We are aware of [redacted]’s concerns and have completed a thorough investigation and are confident that our liability decision is accurate. We have taken the necessary steps to evaluate this claim and the damages to both parties’ vehicles. With regard to [redacted]’s concerns of physical damage to his auto, the picture reveals damage to his vehicle which appears to be from an impact of some kind but is not consistent with damage from a vehicle. Nor does the picture show any paint transfer that would be consistent with damage from a red car door. Furthermore, we have determined, based on the evidence submitted, that our insured vehicle did not cause damage to [redacted] vehicle. There is no damage to our insured vehicle and no paint chips that would suggest impact with another object or vehicle. [redacted] took his vehicle to one of our preferred shops for an estimate. This was not an authorization for repairs. At no point in time did we advise [redacted] that we would extend coverage for his damages. Our investigation was ongoing and no liability decision had been made on this file. [redacted] does have the option to seek repairs through his insurance carrier Geico. We encourage [redacted] to contact claim adjuster, [redacted], with his insurance company [redacted], at ###-###-####. We hope we have answered the consumer’s questions or concerns that were brought forward with this concern and if there is any additional information needed or clarification on any concerns, please let me know.[redacted]Nationwide Property & Casualty###-###-####[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
Thank you for the opportunity to respond to the Revdex.com regarding policy number[redacted] for [redacted] and to address [redacted]’s concerns about his policy.On 01/12/2017, Ms. [redacted] and Mr. [redacted] received an auto insurance quote from the [redacted]...
Agency, for a Titan Indemnity Company DBA Nationwide Insurance Company. Thisquote listed both [redacted] and [redacted] as rated drivers and included two vehicles. Thefollowing notice was printed at the top of the quote: “IMPORTANT NOTE: All Premiums quoted aresubject to verification of information.” (See Attachment titled “Pre-quote 01/12/2017”).On 01/17/2017, Ms. [redacted] decided to purchase a policy and opted to pay the full premium of$2,488.74 as a ‘paid in full’ bill option. The policy was written and bound with only Ms. [redacted] listed as arated driver as Mr. [redacted] did not yet have an American drivers’ license. After the policy was bound andduring our new business underwriting review, it was determined the value listed for both vehicles wereoverstated. Therefore, underwriting made appropriate corrections, resulting in a reduction of premium inthe amount of $116.26. The result was an adjusted term premium of $2,372.48, as reflected in theinception declarations page. (See Attachment titled “Inception Dec”)On 01/19/2017, [redacted] from [redacted] Insurance, contacted our service center to change driver #2; spouse:[redacted], to a rated driver effective 01/19/2017, since Mr. [redacted] had obtained his American drivers’license. This increased the total term premium in the amount of $1,224.22.Office of Customer Advocacy, One Nationwide Plaza, Columbus Ohio, 43215The reason why the initial quote with both drivers was different than what was the ultimate premium pricefor those same two drivers was the fact that at the time the policy was initially quoted a credit check hadnot been run. The reason for this is that credit is run during the actual application process when thepolicy is purchased, not when a quote is made. The initial quote provided was a non-credit basedtraditional product. However, the policy was bound as a general product, which is a credit based product.At the review of this complaint, the total term premium is $3,674.73 which includes both [redacted] and[redacted] as rated drivers. (See “Revised Dec” attached). When this premium adjustment wasdiscussed with Mr. [redacted], he questioned the reason for the difference between the initial quoted premium(with both drivers) and the actual premium (with both drivers). His agent explained that she provided hima quote and when the policy was fully reviewed by underwriting the premium was adjusted based uponadditional information. As a courtesy for Mr. [redacted], an exception was extended to allow cancellation of thepolicy without a mid-term cancellation fee and a return of any unused premium. However, Mr. [redacted]declined the offer.Finally, I want to bring to your attention that on page 19 of the North Carolina Department of InsuranceConsumer Guide to Automobile Insurance, it states the following under “How Rates are Determined,” “Aquote is an estimate of your premium. It does not offer a firm price or contract.”If you require further assistance in this matter, please contact our Customer Advocacy Coordinator,Charity W[redacted] 216 896 7088 or by email at [redacted].Sincerely,Stephanie F[redacted]
[redacted]
This letter is in response to the inquiry received from your office on November 25, 2014.
We are continuing in our efforts to attempt to find coverage for our customer’s loss to her HVAC system. We have requested documentation from her on her home warranty policy, which she states she canceled as a result of being offered our Equipment Breakdown endorsement (####). If we can verify that the home warranty policy would have covered her loss, we will extend coverage on a one time basis due to a misunderstanding regarding coverage under our endorsement.
We have contacted the home warranty company and have been advised that they cannot provide us with any specific information regarding the policy [redacted] had as we are not the direct customer and for privacy purposes. They will; however, provide the information to [redacted] directly.
Via [redacted]’s insurance agent, we have asked that she follow up with the home warranty company to obtain the information requested.
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]
Western Claims Zone
Allied Property & Casualty Insurance Company
Phone: ###-###-####
Email Address: [redacted]
I saw numerous lies in the explanation. I was not told about me having to register for the paperless billing until I called the first time I noticed the spike in my bill. I also did not agree with the changed rate of psy. I feel like I am being bamboozled into a trick bag with Nationwide. There was an agent that admitted it was an error on your end in the beginning of my policy and that error was not due to me it was due to your agent,system, or whoever error. So I do feel like I should not be penalized due to an error I had no part in. Y payments started at one rate and then Nationwde decided to spike it up. Which is not exceptable. Especially if the error was atno fault of my own. I have called on numerous occassions due to Nationwide trying to spike up my payment. Not exceptable or fair.
Regards, [redacted]
This claim involves our policyholder’s vehicle causing damage to the Complainant’s property.We previously went to the loss location and completed a damage estimate. The Complainant then presented [redacted]l with an estimate that was significantly higher than our estimate. At that time...
[redacted]l went back out to the property and did a re-inspection. [redacted]l increased our damage assessment and have spoken to the Complainant’s contractor and both are in agreement that all of the work can be done for $2,100. [redacted]l then presented the Complainant with a Property Damage Release and have advised that a check would be overnighted to them upon the receipt of the release. The Complainant is not satisfied with this and will not sign the release without having the check.[redacted]l is in the process of scheduling a time for the Complainant and a [redacted]l representative to meet and exchange the signed release for the settlement draft.If you require further assistance, please contact our Customer Advocacy Coordinator, Claire Steiner, at ###-###-#### or by email at [redacted]Sincerely,Adam A[redacted]Casualty Claims Manage
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is partially satisfactory to me. However, no one has confirmed if the policy was replacement value versus actual cash value. This obviously makes a big difference. [redacted] Insurance Rules state I have a right to know about coverage types & limits to find out why my personal property that was inside the vehicle was not added in any of the other value estimates. I sent in receipts, pictures and serial numbers of equipment from speakers, amps, radar detector, and tools in saddle bag that are still inside the right rear burnt saddle bag we used to identify the truck.
Understand we are in a Rental car for $35/day since this has been drug out for over 60 days!
Regards,
[redacted]
Thank you for the opportunity to respond to the RevDex.com regarding policy number 10095914 for Mr. [redacted] and to
address his concerns about the policy. On 09/14/2015, Mr. [redacted] purchased a six month insurance
policy from the National Consumers United LLC...
with a bill plan of 25% down and
5 installments. Mr. [redacted] requested to have his spouse, [redacted] excluded
from the policy. A signed exclusion form is required.
On 09/15/2015, a memo was mailed to Mr. [redacted] requesting a
signed exclusion form for [redacted]. The memo stated that if the exclusion
form was not received, the policy would be cancelled.
On 10/23/2015, no exclusion form was received and the policy
was set to cancel effective 11/27/2015. A Cancellation Notice was mailed to Mr.
[redacted].
On 11/27/2015, no exclusion form was received and the policy
cancelled per the 10/23/2015 notice.
I trust that I have addressed the issues within Mr. [redacted]’s
complaint.
If you
require further assistance in this matter, please contact our Customer
Relations Coordinator, Charity W[redacted], [redacted], or by email at [redacted]@nationwide.com.
Sincerely,
We have been in contact with our insured. We have offered to hire an engineer to inspection his roof for hail damage. Mr. [redacted] has agreed. Once the inspection has been conducted and the report received, we will follow up with Mr. Wolfe regarding the engineer’s findings.Thank...
you for allowing us to respond to our member.Sincerely,John S[redacted]Nationwide Property Claims Manager
To Whom it May Concern:Please accept this letter as a formal response to the questions regarding the Work Training Center, Inc. 403(b) Plan (Plan), administered by [redacted] Administrative Services. Inc (TPA) and serviced by Nationwide Financial (Nationwide). I appreciate the opportunity to...
address any concerns.Ms. [redacted] requested an additional loan from her 403(b) account on December 4, 2015. On the same day, the loan was approved by the TPA. There were unfortunately system limitations that were preventing a good order processing for the loan. As of December 9, 2015, the vesting information on Ms. [redacted]'s account has been updated. As of December 10, 2015, all system issues have been resolved and Ms. [redacted]'s loan has been requested and approved. The funds for the loan have issued out via direct deposit today, December 11, 2015.I have spoken with Ms. [redacted] and outlined both the sequence of events that led to the issue as well as the current state of the situation. I sincerely apologize for any inconvenience this situation has caused. Should you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:00 a.m. and 4:00 p.m Eastern time.Sincerely.
Please be advised I am in possession of the funds issued by [redacted] Insurance Company/Nationwide Insurance in order to make necessary repairs to my home. I remain sorely disappointed in the insurance claim process, the unresponsiveness of the claim adjuster, and how my claim was handled. However, my complaint with the Revdex.com has been resolved. Regards,[redacted]
This will acknowledge receipt of, and thank you for your letter of December 2, 2015. [redacted]’s complaint to you was in regards to her homeowner claim that was partially denied. In reviewing Ms. [redacted]’s claim, her claim involved reported damages to her property resulting from flood, wind, and...
interior water damages from a storm which occurred on October 3, 2015.In regards to this homeowners claim, a loss notice was received by Nationwide on October 9, 2015. An initial contact was made with Ms. [redacted] on October 9, 2015, and again on October 13, 2015, by the assigned claims associate. The investigation and inspection of the claim commenced on October 15, 2015. At that time we reviewed with the insured that there was no coverage for any of the flood damages and mailed her a partial denial letter on October 16, 2015. Our inspection also determined ensuing water damages to a bathroom due to wind driven rains around a deteriorated roof vent. An estimate and payment for the covered damages (ensuing water damages) were provided to Ms. [redacted].On November 19, 2015, we received a request to re-inspect the property for an additional roof leak. The re-inspection took place on November 20, 2015, with Ms. [redacted]’s son, [redacted] present. The inspection determined water had entered the attic around the deteriorated chimney flashing which caused water and mold damages to a small area on the underside of the roof sheathing. An estimate and payment for the additional damages were provided as well as a partial denial for the chimney flashing.Both inspections revealed there was no wind damage to the roof shingles from the storm of October 3, 2015, but there was damage due to deteriorated conditions of a roof vent and chimney flashing, which is not covered under the Nationwide homeowner policy.We hope this provides you the information that you require. If we can be of any further assistance, please do not hesitate to contact us at any time.If you have any questions or concerns, please contact me at ###-###-#### or [redacted]Sincerely,Debbie D[redacted]
Thank you for your recent inquiry regarding a complaint you received from our insured, Dan W[redacted]. I reviewed the complaint and the claim file and would like to address Mr. W[redacted]’s concerns. This claim was handled under a Farmowner’s Policy underwritten by Nationwide...
Agribusiness Insurance (Nationwide). This policy originally incepted on November 11, 2009. On April 21, 2017, Mr. W[redacted] had a 2017 [redacted] with Loader B4122 & Mower added to the policy. The tractor had a limit of $21,050.00 and a deductible of $2,500.00. A claim was reported for a loss on July 19, 2017. Claims Specialist Michael Charles C[redacted] spoke with Mr. W[redacted] on July 20th to discuss the details of the loss. Mr. W[redacted] explained that he was moving something with the tractor and had the item in the bucket when the item rolled out and hit the hood of the tractor causing damage. There was damage to the hood, the bucket joystick, cluster gauge and the plastic around the steering wheel. Mr. C[redacted] went over the coverages which included $10,000.00 in rental, $5,000.00 for Extra Expense/Continuing Operations, and a $2,500.00 deductible. An inspection would be performed to evaluate the damages. On July 25th, Mr. C[redacted] spoke with Mr. W[redacted] and Mr. W[redacted] advised that there was a dispute over the amount of the deductible. Until the dispute was settled, he didn’t want to move forward with the claim. An investigation was being conducted by the Agency Support unit to determine if there had been an error on the behalf of the Agent’s office when the tractor was added to the policy as Mr. W[redacted] had not intended for the deductible to be $2,500.00. On August 11th, Mr. C[redacted] contacted Mr. W[redacted] and informed him that the Agency Support investigation was complete and they found no error on the part of the Agent. The deductible would remain at $2,500.00. Mr. W[redacted] was upset and did not want anything done on the claim. He advised that he intended to contact the Revdex.com, the Department of Insurance, and [redacted]. On August 15th, Mr. C[redacted] spoke with Mr. W[redacted] again. He went over the settlement with him. The repair estimate came to $3,436.22. After the deductible of $2,500.00 was taken, Nationwide owed a balance of $936.22. Mr. C[redacted] advised that he would be issuing a payment to Mr. & Ms. W[redacted] and their repair facility for $936.22. The payment was issued on August 18, 2017 (check #[redacted]) to Heather & Dan W[redacted] & [redacted]. The claim is now closed. If you have any additional questions or concerns, feel free to contact Customer Advocacy Coordinator Yvette S[redacted] at ###-###-#### or via e-mail at [redacted]. Sincerely, Julie C[redacted] Claims Specialist III / MD Centralized Services Analytics & Customer Focus Team NATIONWIDE AGRIBUSINESS INSURANCE
This letter is in response to your request for information pertaining to the above file.
As stated in my previous response the policy coverage dates were from April 4, 2015 to April 28, 2015. The policy was cancelled per the request of Ms. [redacted]. The Auto policy is not a month to month coverage. We allow the member to make a monthly payment but that doesn’t mean the coverage is month to month.
The total charged for coverage from April 4, 2015 to April 28, 2015 was $80.30. A payment of $63.80 was received on April 1, 2015. There were two $8.00 service fees charged. The total charged of $80.30 plus $16.00 charged in service fees minus $63.80 total payment equals $32.50 charged for coverage provided up to the cancellation date of April 28, 2015.
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at ###-###-####, Ext. [redacted] or my email address is [redacted].
Sincerely,
Erica D[redacted]
[redacted]
Nationwide
Obviously, someone does not know how to read doctor's notes. The note on 7/30/16 clearly states that she has laryngeal paralysis and that the lateral chest X-ray shows a normal cardiac silhouette. At no place in the 7/30/16 notes was pneumonia even mentioned. As I mentioned when I spoke to the rep, I never had these issues when it was VPI and now that it has been taken over by Nationwide, I am having issues. I am hugely disappointed in Nationwide. They have lost a customer since I will not be insuring my new puppy with them. I will also not recommend Nationwide to friends, family, and other dog training professionals. So much for being a loyal customer for 15 years.
Regards, [redacted]
I'm still apalled at how nationwide was not fully involved with further action I had to on my own reach out to different people and call the claims center to get a hold of the proper management. They did not work along with me at all only until now in which there is new issues that are going on with my vehicle and is now at a new body shop. I'm just not happy what so ever on how this was handled and to top it all my premium is going to go up in November. I feel the girl who was assigned to the claim was nasty and did not wanna hear me out this needs to be looked into more deeply thank you
Regards,[redacted]
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
I am writing in response to the complaint from [redacted] regarding the NationwideFlexible Premium Variable Universal Life Insurance policy referenced above. This matter wasforwarded to Nationwide's Office of Compliance for review and handling. I appreciate yourpatience while we completed our...
review.Our records indicate that policy # [redacted] is a Nationwide Choicelife Protection FlexiblePremium Variable Universal Life Insurance policy that was issued on April 17, 2000 withinitial specified amount of $75,000 on the life o[redacted]. This policy has an insurancecomponent and an investment component; however. its primary intended purpose is to providelife insurance coverage until the maturity date stated in the contract.One of the most notable features of this policy is its premium flexibility. After payment of theMinimum Initial Premium, which is required in order to put the policy in force, payment ofadditional premiums is solely at the discretion of the policyholder. Rather than remaining inforce due to the timely payment of a fixed or scheduled premium, the policy remains in forcefor as long as there is enough Net Cash Surrender Value to pay the monthly charges (thisrepresents the cost of insurance, administrative charges and the cost of any riders).The policy is designed to provide flexibility in connection with premium payments, investmentoptions and death benefits. The policy owner has the right to vary the frequency and amountof premium payments, to allocate net premiums among the various Separate Accounts orGuaranteed Account, to increase or decrease the death benefit, or to change the death benefitoption, according to policy provisions. This is not a fixed premium life insurance contract. Theaccount value of the policy is allocated to the sub-accounts selected. The value of theunderlying sub-accounts fluctuate daily depending upon market performance and are notguaranteed.Our records indicate that this policy went into a "lapse pending" status in April 2016. A lapsenotice was mailed to Mr. Amstrong on April 17, 2016 informing him that unless sufficientpremium was received by June 17, 2016, the policy would terminate. A reminder was thensent on May 17, 2016 and the final lapse notice was sent on June 23, 2016. Mr. [redacted]chose to pay a monthly premium of $25 per month throughout the life of the policy leaving itwith insufficient value to cover the cost of insurance.Enclosed is a copy of the application (Exhibit. A) for policy [redacted], and the policy itself(Exhibit B), given to Mr. [redacted] at issue. Each of these documents contain disclosuresrelating to the nature of this policy, including that the policy values could increase or decreasein accordance with the investment experience of the Separate Accounts and may increase inaccordance with the Interest credited to the Guaranteed Account, as well as statements withregard to the cost of insurance in relation to policy cash value.After policy [redacted] was issued, Mr. [redacted] had a period of 10 days to review thepolicy. Within those 10 days the policy could have been canceled with a refund of premium.In reviewing our records, we cannot find any information that would lead us to believe thatMr. [redacted] expressed any dissatisfaction with the policy during the examination period.In addition, since issuance of the policy, statements have been mailed to Mr. [redacted] on aquarterly and an annual basis indicating policy values, withdrawals, gains/losses, as well ascurrent surrender value.Based on our review, we feel that the terms and conditions of this policy were adequatelydisclosed to Mr. [redacted] at the time of purchase and find no basis to offer any type ofadjustment to policy [redacted]. If there is any other documentation you would like us toconsider, please forward it to my attention and we will review it thoroughly.We appreciate your patience in this matter. Should you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jeremy W[redacted]
I am in receipt of your correspondence of May 4, 2015 regarding the above captioned loss andwould like to take this opportunity to respond.This claim was reported to us on March 2, 2015 and handled in our Harleysville, ** CatastropheUnit. Immediate contact was made with our insured and we assigned...
an adjuster to view theclaimed damages. This inspection was completed by [redacted]with [redacted]. on March 10, 2015 as that was when the insured would be available.The insured also contracted with [redacted] to perform water mitigation of the property. [redacted]was not hired nor were they contacted by Harleysville Preferred Insurance to complete anymitigation at the premises. Once we were notified that they had inspected the property we didcontact them for the scope of their repairs. We discussed their mitigation process with [redacted]from [redacted] on March 6, 2015.Our investigation found water damage consistent with ice dams to the interior of the home.However, a complete inspection of the roof found numerous areas of preexisting damages andrepairs as well as evidence that the roof at one time had been tarped. No evidence was found ofice dam damage to the roof. The roof had damage in numerous places which was not indicativeof damage caused by ice as the damage was not where the ice had formed but wide-spread on theroof. We have included photos that document these findings.We received the estimate on March 17, 2015 and discussed the estimate with the insured onMarch 19, 2015. This estimate was emailed to [redacted] and payment was issued on March 26,2015. Also on March 26, 2015, [redacted] called and was concerned that the roof was not beingincluded in the estimate. We agreed to send assign a second inspection.This re-inspection was completed by [redacted], with [redacted]. onApril 14, 2015 At that time the roof was re-tarped. [redacted] was unable to see any damage tothe roof due to the tarp. [redacted] was informed that if he had the tarp removed, [redacted]would come out again to see the claimed damages or that Harleysville would assign a roofingexpert.[redacted] did prepare a supplemental estimate to include some additional damages includingice removal from the roof, a new shed and the subsequent tarping of the roof, as a customerservice to assist [redacted] in preventing further damage. Paying for the tarp was not anadmission of coverage for the claimed roof replacement.Payment for the supplemental damage was issued on May 1, 2015. [redacted] was informed by[redacted] that when the roof was again exposed we wouldsend out a roofing contractor for another inspection. At this time we have not heard anythingfurther from [redacted].Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, [redacted], at ###-###-#### or via email at [redacted]Regards,[redacted]###-###-###
The PDF form of Titan's does NOT show my signature. I want to see MY ORIGINALLY SIGNED DOCUMENT, and I will know if it is my signature. Anyone can leave the signature blank and fill out/type out the info, but WHERE'S MY SIGNATURE? Besides, none of this was said to me...MY DOWN PAYMENT WAS TO START MY VEHICLE INSURANCE. If I was told any of this about yearly purchase of insurance, early cancellation crap, etc., etc., I NEVER, IN MY LIFE, WOULD EVER HAVE PURCHASED SUCH TRASH. Cannot believe this is being done. What corruption! The media really does need to get involved in this doings, and get the word out to people re this disgusting stuff they are doing. It was my belief that I was buying regular/normal vehicle insurance for my car AND NEVER IN MY LIFE HAVE I EVER RAN ACROSS CAR INSURANCE WHERE YOU HAD TO SIGN UP FOR A YEAR. WHAT CRAP! PEOPLE SELL THEIR CARS SOMETIMES, WHAT KIND OF PRACTICE IS THIS. Once again, I NEVER WAS TOLD ANYTHING RE YEARLY PURCHASE FOR VEHICLE INSURANCE. I would have gotten right up and walked out that door. My old Farmer's Insurance told me I'd be sorry when I told them I insured with Titan. But, I never signed documents WITH MY SIGNATURE ON IT, to receive insurance in this manner. If this is NOT SETTLED, I am contacting every news media I can think of so they can get the word out to the people. I thought Nationwide was probably a great company, boy that's a joke. BUT ALL THE PEOPLE NEED TO KNOW ABOUT THIS. I've worked for lots of insurance companies, [redacted], with [redacted] (AUTO SECTION), and a couple more and never anything like this. They had normal policies. THIS IS INSANE! ALL THE PEOPLE NEED TO BE AWARE OF THIS COMPANY ONCE AND FOR ALL. Regards, [redacted]
Dear [redacted]This letter is in response to our second follow up letter that was sent on March 6, 2015. We are aware of [redacted]’s concerns and have completed a thorough investigation and are confident that our liability decision is accurate. We have taken the necessary steps to evaluate this claim and the damages to both parties’ vehicles. With regard to [redacted]’s concerns of physical damage to his auto, the picture reveals damage to his vehicle which appears to be from an impact of some kind but is not consistent with damage from a vehicle. Nor does the picture show any paint transfer that would be consistent with damage from a red car door. Furthermore, we have determined, based on the evidence submitted, that our insured vehicle did not cause damage to [redacted] vehicle. There is no damage to our insured vehicle and no paint chips that would suggest impact with another object or vehicle. [redacted] took his vehicle to one of our preferred shops for an estimate. This was not an authorization for repairs. At no point in time did we advise [redacted] that we would extend coverage for his damages. Our investigation was ongoing and no liability decision had been made on this file. [redacted] does have the option to seek repairs through his insurance carrier Geico. We encourage [redacted] to contact claim adjuster, [redacted], with his insurance company [redacted], at ###-###-####. We hope we have answered the consumer’s questions or concerns that were brought forward with this concern and if there is any additional information needed or clarification on any concerns, please let me know.[redacted]Nationwide Property & Casualty###-###-####[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] and find the resolution is satisfactory to me.
Regards, [redacted]
Thank you for the opportunity to respond to the Revdex.com regarding policy number[redacted] for [redacted] and to address [redacted]’s concerns about his policy.On 01/12/2017, Ms. [redacted] and Mr. [redacted] received an auto insurance quote from the [redacted]...
Agency, for a Titan Indemnity Company DBA Nationwide Insurance Company. Thisquote listed both [redacted] and [redacted] as rated drivers and included two vehicles. Thefollowing notice was printed at the top of the quote: “IMPORTANT NOTE: All Premiums quoted aresubject to verification of information.” (See Attachment titled “Pre-quote 01/12/2017”).On 01/17/2017, Ms. [redacted] decided to purchase a policy and opted to pay the full premium of$2,488.74 as a ‘paid in full’ bill option. The policy was written and bound with only Ms. [redacted] listed as arated driver as Mr. [redacted] did not yet have an American drivers’ license. After the policy was bound andduring our new business underwriting review, it was determined the value listed for both vehicles wereoverstated. Therefore, underwriting made appropriate corrections, resulting in a reduction of premium inthe amount of $116.26. The result was an adjusted term premium of $2,372.48, as reflected in theinception declarations page. (See Attachment titled “Inception Dec”)On 01/19/2017, [redacted] from [redacted] Insurance, contacted our service center to change driver #2; spouse:[redacted], to a rated driver effective 01/19/2017, since Mr. [redacted] had obtained his American drivers’license. This increased the total term premium in the amount of $1,224.22.Office of Customer Advocacy, One Nationwide Plaza, Columbus Ohio, 43215The reason why the initial quote with both drivers was different than what was the ultimate premium pricefor those same two drivers was the fact that at the time the policy was initially quoted a credit check hadnot been run. The reason for this is that credit is run during the actual application process when thepolicy is purchased, not when a quote is made. The initial quote provided was a non-credit basedtraditional product. However, the policy was bound as a general product, which is a credit based product.At the review of this complaint, the total term premium is $3,674.73 which includes both [redacted] and[redacted] as rated drivers. (See “Revised Dec” attached). When this premium adjustment wasdiscussed with Mr. [redacted], he questioned the reason for the difference between the initial quoted premium(with both drivers) and the actual premium (with both drivers). His agent explained that she provided hima quote and when the policy was fully reviewed by underwriting the premium was adjusted based uponadditional information. As a courtesy for Mr. [redacted], an exception was extended to allow cancellation of thepolicy without a mid-term cancellation fee and a return of any unused premium. However, Mr. [redacted]declined the offer.Finally, I want to bring to your attention that on page 19 of the North Carolina Department of InsuranceConsumer Guide to Automobile Insurance, it states the following under “How Rates are Determined,” “Aquote is an estimate of your premium. It does not offer a firm price or contract.”If you require further assistance in this matter, please contact our Customer Advocacy Coordinator,Charity W[redacted] 216 896 7088 or by email at [redacted].Sincerely,Stephanie F[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
This letter is in response to the inquiry received from your office on November 25, 2014.
We are continuing in our efforts to attempt to find coverage for our customer’s loss to her HVAC system. We have requested documentation from her on her home warranty policy, which she states she canceled as a result of being offered our Equipment Breakdown endorsement (####). If we can verify that the home warranty policy would have covered her loss, we will extend coverage on a one time basis due to a misunderstanding regarding coverage under our endorsement.
We have contacted the home warranty company and have been advised that they cannot provide us with any specific information regarding the policy [redacted] had as we are not the direct customer and for privacy purposes. They will; however, provide the information to [redacted] directly.
Via [redacted]’s insurance agent, we have asked that she follow up with the home warranty company to obtain the information requested.
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]
Western Claims Zone
Allied Property & Casualty Insurance Company
Phone: ###-###-####
Email Address: [redacted]
I saw numerous lies in the explanation. I was not told about me having to register for the paperless billing until I called the first time I noticed the spike in my bill. I also did not agree with the changed rate of psy. I feel like I am being bamboozled into a trick bag with Nationwide. There was an agent that admitted it was an error on your end in the beginning of my policy and that error was not due to me it was due to your agent,system, or whoever error. So I do feel like I should not be penalized due to an error I had no part in. Y payments started at one rate and then Nationwde decided to spike it up. Which is not exceptable. Especially if the error was atno fault of my own. I have called on numerous occassions due to Nationwide trying to spike up my payment. Not exceptable or fair.
Regards, [redacted]
This claim involves our policyholder’s vehicle causing damage to the Complainant’s property.We previously went to the loss location and completed a damage estimate. The Complainant then presented [redacted]l with an estimate that was significantly higher than our estimate. At that time...
[redacted]l went back out to the property and did a re-inspection. [redacted]l increased our damage assessment and have spoken to the Complainant’s contractor and both are in agreement that all of the work can be done for $2,100. [redacted]l then presented the Complainant with a Property Damage Release and have advised that a check would be overnighted to them upon the receipt of the release. The Complainant is not satisfied with this and will not sign the release without having the check.[redacted]l is in the process of scheduling a time for the Complainant and a [redacted]l representative to meet and exchange the signed release for the settlement draft.If you require further assistance, please contact our Customer Advocacy Coordinator, Claire Steiner, at ###-###-#### or by email at [redacted]Sincerely,Adam A[redacted]Casualty Claims Manage
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is partially satisfactory to me. However, no one has confirmed if the policy was replacement value versus actual cash value. This obviously makes a big difference. [redacted] Insurance Rules state I have a right to know about coverage types & limits to find out why my personal property that was inside the vehicle was not added in any of the other value estimates. I sent in receipts, pictures and serial numbers of equipment from speakers, amps, radar detector, and tools in saddle bag that are still inside the right rear burnt saddle bag we used to identify the truck.
Understand we are in a Rental car for $35/day since this has been drug out for over 60 days!
Regards,
[redacted]
Thank you for the opportunity to respond to the RevDex.com regarding policy number 10095914 for Mr. [redacted] and to
address his concerns about the policy. On 09/14/2015, Mr. [redacted] purchased a six month insurance
policy from the National Consumers United LLC...
with a bill plan of 25% down and
5 installments. Mr. [redacted] requested to have his spouse, [redacted] excluded
from the policy. A signed exclusion form is required.
On 09/15/2015, a memo was mailed to Mr. [redacted] requesting a
signed exclusion form for [redacted]. The memo stated that if the exclusion
form was not received, the policy would be cancelled.
On 10/23/2015, no exclusion form was received and the policy
was set to cancel effective 11/27/2015. A Cancellation Notice was mailed to Mr.
[redacted].
On 11/27/2015, no exclusion form was received and the policy
cancelled per the 10/23/2015 notice.
I trust that I have addressed the issues within Mr. [redacted]’s
complaint.
If you
require further assistance in this matter, please contact our Customer
Relations Coordinator, Charity W[redacted], [redacted], or by email at [redacted]@nationwide.com.
Sincerely,
We have been in contact with our insured. We have offered to hire an engineer to inspection his roof for hail damage. Mr. [redacted] has agreed. Once the inspection has been conducted and the report received, we will follow up with Mr. Wolfe regarding the engineer’s findings.Thank...
you for allowing us to respond to our member.Sincerely,John S[redacted]Nationwide Property Claims Manager
To Whom it May Concern:Please accept this letter as a formal response to the questions regarding the Work Training Center, Inc. 403(b) Plan (Plan), administered by [redacted] Administrative Services. Inc (TPA) and serviced by Nationwide Financial (Nationwide). I appreciate the opportunity to...
address any concerns.Ms. [redacted] requested an additional loan from her 403(b) account on December 4, 2015. On the same day, the loan was approved by the TPA. There were unfortunately system limitations that were preventing a good order processing for the loan. As of December 9, 2015, the vesting information on Ms. [redacted]'s account has been updated. As of December 10, 2015, all system issues have been resolved and Ms. [redacted]'s loan has been requested and approved. The funds for the loan have issued out via direct deposit today, December 11, 2015.I have spoken with Ms. [redacted] and outlined both the sequence of events that led to the issue as well as the current state of the situation. I sincerely apologize for any inconvenience this situation has caused. Should you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:00 a.m. and 4:00 p.m Eastern time.Sincerely.
Please be advised I am in possession of the funds issued by [redacted] Insurance Company/Nationwide Insurance in order to make necessary repairs to my home. I remain sorely disappointed in the insurance claim process, the unresponsiveness of the claim adjuster, and how my claim was handled. However, my complaint with the Revdex.com has been resolved. Regards,[redacted]
This will acknowledge receipt of, and thank you for your letter of December 2, 2015. [redacted]’s complaint to you was in regards to her homeowner claim that was partially denied. In reviewing Ms. [redacted]’s claim, her claim involved reported damages to her property resulting from flood, wind, and...
interior water damages from a storm which occurred on October 3, 2015.In regards to this homeowners claim, a loss notice was received by Nationwide on October 9, 2015. An initial contact was made with Ms. [redacted] on October 9, 2015, and again on October 13, 2015, by the assigned claims associate. The investigation and inspection of the claim commenced on October 15, 2015. At that time we reviewed with the insured that there was no coverage for any of the flood damages and mailed her a partial denial letter on October 16, 2015. Our inspection also determined ensuing water damages to a bathroom due to wind driven rains around a deteriorated roof vent. An estimate and payment for the covered damages (ensuing water damages) were provided to Ms. [redacted].On November 19, 2015, we received a request to re-inspect the property for an additional roof leak. The re-inspection took place on November 20, 2015, with Ms. [redacted]’s son, [redacted] present. The inspection determined water had entered the attic around the deteriorated chimney flashing which caused water and mold damages to a small area on the underside of the roof sheathing. An estimate and payment for the additional damages were provided as well as a partial denial for the chimney flashing.Both inspections revealed there was no wind damage to the roof shingles from the storm of October 3, 2015, but there was damage due to deteriorated conditions of a roof vent and chimney flashing, which is not covered under the Nationwide homeowner policy.We hope this provides you the information that you require. If we can be of any further assistance, please do not hesitate to contact us at any time.If you have any questions or concerns, please contact me at ###-###-#### or [redacted]Sincerely,Debbie D[redacted]