Crowne Plaza Louisville Airport

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]

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]

This letter is in response to the complaint filed with your agency by [redacted]s regarding her homeowner policy. Our records indicate the policy was written with an effective date of January 27, 2016. The policy was cancelled on January 28, 2016, with an effective date of January 27, 2016, at the request of the Member.
One payment of $488.72 was received on December 23, 2015. On February 1, 2016,
Nationwide issued a refund to the address listed on the policy. The refund was mailed to [redacted] Rd., Winchester, VA 22603-4142. On March 7, 2016, the refund was stop paid and a new check in the amount of $488.72 was mailed to the Member at [redacted] Ct. Winchester, VA 22602.
If you should have any other requests or questions regarding this matter please do not hesitate to contact me.

We have reviewed the inquiry from [redacted] regarding his homeowners policy.Mr. [redacted] has inquired about the rate increase on his homeowners policy. Homeowner’s policy premiums are calculated using several approved factors including, but not limited to: loss history of the insured,...

existence of multiple policies, deductible levels, dwelling amount, insurance score, construction type, fire protection class rating, age of home, additional endorsements/coverages requested, territory in which the home is located, etc. The territory base rate does take into account the loss history of the territory as a whole. This base rate is then adjusted by the aforementioned rating factors: age of home, protection class, type of construction, losses of the insured, etc. The premium calculation methods/rating structure and our base rates are filed with and approved by the South Carolina Department of Insurance.Home renewal premium2015-2016 premium $5,167.002016-2017 premium $6,271.00 (increase of $1,104.00 from prior renewal)Mr. [redacted]’s premium was affected by the following factor changes per our most recent filed rate (SERFF Filing NWPC-[redacted], effective 12/12/2015 for renewals):- Filed base rate change caused an increase in premium- Protection Class factor change caused an increase in premium- Deductible factor change caused an increase in premium- Increase in the Extended Replacement Cost caused an increase in premiumWe understand that insurance cost concerns are important to all consumers and encourage insureds to reach out to their agents to discuss options to manage their insurance premiums. We appreciate the opportunity to provide information on Mr. [redacted]’s home policy.If you require further assistance, please contact our [redacted], Debra C[redacted] at ###-###-#### or by email at [redacted]Sincerely,Michael G[redacted]

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]

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,

Good morning Ms. [redacted]In reviewing the history of the Nationwide Visa Buxx card referenced in your complaint, the card in the name of[redacted], which you funded, was closed with available funds remaining on the card. With the card in aclosed status, it is not possible to refund the card...

balance to the funding account. However, a check was issuedto you and mailed to the address shown above on October 14, 2015. That check has not been cashed. We haveplaced a stop payment on that check and issued another check on November 30, 2015.With regard to a delay in responding to your request, our records do indicate multiple telephone calls. We arecontinuing to research the repeated efforts made on your part to resolve this situation, and are addressing anyfailure to log and escalate telephone calls appropriately. We do certainly apologize for any lapse in service oreffective communication.Ms. [redacted], you indicated that your desired settlement would be to have the remaining balance on the card bereturned to the funding card. Again, because the Buxx card has been closed, the only delivery method availableto return funds is via check. The check was issued a second time on November 30, in the amount of $447.07. Aswe ask our customers to allow seven to ten business days to receive a mailing fmm Nationwide Bank, it ispossible that you have not yet received the check.Again, please accept our apology for the poor service that you received in this situation. This does not representthe level of service that you should expect from Nationwide Bank. We appreciate your feedback and theopportunity to review and improve our processes.Sincerely,Anne L. C[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]

I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
[redacted]We have a policy not to share any information which is not our fault for collision due to other insured fault.We also are aware of the sticker problem however the new sticker is bubbling up and was not put on correctly which this body shop nor the insurance has backed as promised. We consider time and aggravation from repeated attempts to rectify the situation inadequate.

The terms of the policy were not made clear. The agent explained that clients are never given an explanation of how the policy differs beforehand because," no one has ever cancelled before". I do not believe this is accurate, or an adequate reason to justify the withholding of information. I was not fully informed and was misled. If the terms were explained in the beginning, we would have chosen another company.
Regards,
[redacted]

you have not shared any proof that [redacted] Motor Vehicles was provided that these accidents were no fault accidents .  I want something in writing showing that you sent [redacted] Motor Vehicle this information, then I need you to show me that [redacted] Motor Vehicles were in receipt of your documentation.
Regards, [redacted]

[redacted]  [redacted]
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
 
[redacted]   [redacted]
         [redacted]
         [redacted]  
Thank you for the opportunity to respond to the Revdex.com regarding claim number ##### for [redacted] and to address his concerns about the claim.
 
Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his 1999 Volkswagen. 
 
Sincerely yours,
 
 
 
[redacted]
[redacted]
Phone: ###-###-####

Thank you for your recent inquiry regarding a complaint you received from Ms. [redacted], unfortunately do to privacy concerns I cannot share the specific details on this claim. As Property Claims Manager, I have reviewed this claim file and have spoken to Ms. [redacted] about her concerns. ...

Additionally, Nationwide has taken additional steps to assist in the evaluation of the damages and to help to address the concerns of Ms. [redacted] as we work towards an amicable resolution. Based on my review Nationwide believes the claim was handled in a professional manner.  However, I am sorry that the outcome was not satisfactory to Ms. [redacted]  We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns.  Sincerely, Kenneth W G[redacted]

To whom it may concern: This letter is in response to the complaint filed with your agency by [redacted] regarding the homeowner policy of [redacted].  Our records indicate the policy was written with an effective date of May 25, 2008.  The policy was cancelled on January 20,...

2017, with an effective date of January 14, 2017, at the request of the Member.   Nationwide received a signed cancellation request for the policy on January 18, 2017, with an effective date listed for the cancellation of January 14, 2017.  Nationwide completed the cancellation of the policy on January 20, 2017.  A refund of $93.00 calculated on the cancelled policy on January 23, 2017.  The refund was issued on January 24, 2017 to [redacted], Apt [redacted], Vienna, VA  22182.  The check has yet to be cashed. Nationwide will stop the payment of the original refund and reissue a second check.  If the address for the refund should be different from the one listed above, please advise. In addition to the issue noted above with regard to the premium reimbursement, Mrs. [redacted] also noted that a claim was still pending with Nationwide from a loss that occurred on 6/8/16.In that loss, a large bathroom mirror had fallen from the wall in the [redacted]’s apartment and caused $800 in damages to personal property. Nationwide had processed this loss as a 1st party claim and settled with the [redacted]’s for $550 as their $250 Homeowner policy deductible in effect for their residence was applied to the final settlement. The [redacted]’s unit Apartment [redacted] bathroom had been remodeled in January 2015 and it was apparent from this June 2016 loss that the bathroom mirror had not been properly secured to the wall at the time of the remodeling. Based on this finding under strict liability, we submitted a subrogation demand to the [redacted]’s building owner, DBA “The [redacted]” and requested 100% reimbursement of the personal property damage and included the [redacted]’s deductible in this $800.00 demand. A representative of the building management group named [redacted], initially communicated that the building owner would be reimbursing Nationwide for these damages, but after several months of contact with building management there are yet to be a payment received by Nationwide.  We can completely understand the [redacted]’s frustration with the delays in reimbursement of their $250 deductible and since we have had no cooperation from the building owner to date we have recently decided to elevate this recovery pursuit to a dedicated collections entity (handling matter at this time) to prompt final resolution of this pending recovery pursuit against [redacted] ownership.   If you should have any other requests or questions, please do not hesitate to contact us. Sincerely,  Colleen F[redacted], Senior AnalystMember Solutions – Shared ServicesCustomer Resolution & ResponseNationwide

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

[redacted]                      
[redacted]
[redacted] 
I have reviewed the concerns of the customer.  We completed a thorough investigation to determine coverage for the claim filed. There was water damage in the basement that looked to be coming through the foundation walls.  The customer then told us that the AC unit was leaking, but also stated that the water was coming into the basement when it rained.  Upon further investigation we determined that it was the AC unit that was leaking and paid for the resulting damage.
 
The customer informed us that the AC unit was not working and felt that it was due to it being damaged.  She had multiple vendors come out, but none provided a solid report as to what was wrong with the unit.  One of the vendors did state that it was an older unit.  The customer did not agree with the vendors, therefore, I approved to have the AC unit inspected by an engineer.  Upon completion of the review it was determined to be damaged by wear and tear, which is not a covered loss under the policy.  The partial denial was provided to the customer, based on the guidelines of the policy.  Nationwide did honor the covered portion of the claim; however, the policy does not cover wear, tear and deterioration, which was explained to the customer.
 
Please contact me if you have any further questions.
 
Sincerely,
[redacted]
[redacted]
###-###-####
[redacted]

Thank you for the opportunity to review and respond to Ms. [redacted]’s complaint regarding her homeowner policy written through Nationwide Insurance effective October 23, 2014.The basis of her complaint is the increased premium on the policy since released by the agency. The policy when bound had a...

coverage amount of $168,927 with a premium of $2759.32. Nationwide uses a vendor inspection company to review the premises in an effort to determine if a premise is free of hazardous situations and the components of the home and other structures on premises are in good repair. The reviews are also completed to make sure that the insured has adequate coverage to reconstruct the dwelling if destroyed. This is done through taking measurements of the residence and making observations of the construction features of the home. Once obtained, the features of the home and measurements are placed into a reconstruction cost calculator for determination of the cost to reconstruct.Upon completion of the inspection, the calculated reconstruction cost on the home was $277,279. The review was completed on November 19, 2014 which was within the first 60 days of the policy contract. The first 60 days of a policy has a provision called the discovery period. The discovery period is used to complete the underwriting process. The insured was notified of the coverage discrepancy on December 19, 2014. The letter mailed to the insured advised that the coverage would be increased from $168,927 to $272,279 effective October 23, 2014, the inception date of the policy. I can see no response from the insured until early July 2015. Since that time, there have been multiple changes to the reconstruction cost. I have reviewed the vendor inspector’s measurements which are largely correct with the exception of the insured attached guest suite. The reconstruction estimate has been corrected, coverage lowered and premium amended. Each time a change is made to the amount of coverage a new declarations page was mailed to the insured showing the change was effective October 23, 2014. On July 28, 2015 the policy deductible was changed from $2500 to $5000. The change in deductible will reduce the premium amount for the coverage amount. This change was effective July 28, 2015. The first 277 days of the contract had a $2500 deductible which would mean the premium was higher than the $2982.46 which the insured is making her calculations in the complaint from. From July 28, 2015 through the present date, the premium is based upon a $5000 deductible which is where the difference in the refunds to the premium appears to be.We hope the response is beneficial in explaining the insured’s concerns. If anything additional is needed, please contact Sharon W[redacted] at [redacted] or via phone at ###-###-####.Sincerely,Thomas P[redacted]

Our records indicate the Auto policy mentioned above has been listed at the address of [redacted] from inception of the policy.  The billing account also has the same address listed, however, is set up on Paperless billing.  This means that...

bills are sent to the email address on file.
 
Our records indicate a bill was generated for $53.67 due December 1, 2014.  After no payment was received a Notice of Cancellation (NOC) was sent for $63.67 due December 25, 2014 or the policy would cancel effective December 26, 2014.
 
There was no payment received and the policy cancelled effective December 26, 2014.  A refund of $61.78 was sent to the address on file and cashed on January 29, 2015.
 
The following documents have been attached for your review:
Bills
Notice of Cancellations
Proof of Mailing for NOC
Policy Declarations
 
If you require further assistance, please contact our [redacted], Cathy D[redacted], at ###-###-#### or by email at
Sincerely,
 
Erica D[redacted]
[redacted]

2/16/2017[redacted]
Ms. [redacted],Thank you for the opportunity to respond to our customer’s inquiry.Mr. [redacted]’s claim was received by...

Nationwide and assigned to Claims Associate, [redacted], on December 16, 2015. Mr. [redacted]’s vehicle was inspected by [redacted] on December 21, 2015. At that time, an estimate was written for the fair and reasonable cost of repairs to Mr. [redacted]’s vehicle. In November of 2016, [redacted] was notified that Mr. [redacted]’s vehicle was at his shop of choice, [redacted] reinspected Mr. [redacted]’s vehicle on November 8, 2016, and wrote an estimate for supplemental damages.There were differences in [redacted]’s estimate and the estimate provided by Mr. [redacted]’s shop of choice. Accordingly, by letter dated November 8, 2016, [redacted] advised Mr. [redacted] that Nationwide would only be responsible for fair and reasonable expenses. [redacted] further stated that, “Any work you commission or authorize that would be unreasonable, unnecessary, or damages that exceed this appraisal amount may become your responsibility.” [redacted] later wrote a final supplemental estimate for the vehicle’s repairs on December 2, 2016.On January 26, 2017, Mr. [redacted] invoked the appraisal clause under his Nationwide policy due to the differences in Nationwide’s estimate and [redacted]’s estimate. At that time, Nationwide hired an independent appraiser who wrote an appraisal for $6.92 higher than Nationwide’s estimate. This additional amount was offered to Mr. [redacted] on January 31, 2017, and we have not yet received a response from him.If you have any further questions, please contact me at ###-###-####.Sincerely,[redacted]