I am rejecting this response because: you need to discuss this further with my vet's office. There was nothing to remove as both were benign and there was nothing to remove. I'm sick of the run around you are giving me. This is the most awful experience and be assured just as soon as I can find a comparable plan with another company I will cease doing business with Nationwide.
Regards,
[redacted]
Thank you for the opportunity to provide an additional response to the Revdex.com regarding policy number [redacted] for Mr. [redacted]n.
Mr. [redacted] requested to have his spouse, [redacted] excluded from the policy because she was not going to be driving the listed vehicle. Ms. [redacted] was not required to be added to the policy but an exclusion form is required to be submitted when a household member of driving age is not going to be rated on the policy. Notice was mailed to Mr. [redacted] requesting this information on 9/15/2015. This was also verbally explained to Mr. [redacted] on 10/29/2015 and 11/09/2015.
The policy cancelled on 11/27/2015 because the exclusion form requested was not received.
If I can be of further assistance, please contact me at ###-###-####.
Sincerely,
Alexandria C[redacted]
This correspondence is in response to your inquiry on behalf of the above named insured regarding the delayed issuance of her automobile insurance policy. I have been in contact with the agent and his Sales Manager. They verified that the automobile insurance policy was bound effective June 7, 2016, along with the homeowner policy, but not released from the system at that time. When the insured contacted the agency on July 22, 2016, the policy was released that day with a current effective date. The policy is being reissued back to June 7, 2016 as the insured had requested. This is a multi day process, and with the holiday coming up, the insured may not receive a hard copy in the mail until after Thanksgiving. I will follow up and email the corrected declaration pages to the insured as soon as available. Thank you for this opportunity to review our handling. We sincerely regret the inconvenience to the insured as a result of our handling. If you require further information, please contact our Customer Advocacy Coordinator, Barb D[redacted], direct at ###-###-#### or by email at [redacted]. Sincerely, Mary K[redacted] CPCU CRM CIC AINS Consultant, Compliance – Personal Lines Phone: ###-###-#### Email address: [redacted]
Yes, it's true that we received an initial payment, the day after this complaint was filed. But this response does nothing to address the poor communication/response that we received from our adjuster. Also, it was my husband, not myself that filed the claim...they never called him with a claim number as he was promised. We had to call in days later to get that information. We had no proactive communication from our adjuster. It took multiple calls/emails to get communication with her, and most of the time we had to have our Agent's office call her or her supervisor to even return a phone call.
Regards, [redacted]
This letter is in response to the complaint filed with your agency by [redacted] regarding his Automobilepolicy. Our records indicate the policy was written with an effective date of August 31, 2014. The policy wasactive until July 31, 2015, with one lapse in coverage from May 26, 2015, until...
June 6, 2015. The policy billed onan installment account with payments due on the 6th of the month for the most recent policy term.Unfortunately, Nationwide has no record of receipt of the signed cancellation request for the policy. If Mr. [redacted]will provide a copy of the policy declarations showing when he obtained alternate insurance, Nationwide will alterthe cancellation date on his policy and adjust the balance due accordingly.Nationwide contacted the third party collection agency and put a 60 day hold on the account to allow time for therequired documentation to be received without a negative impact to the member’s credit report. Attached pleasefind a complete premium and payment history for the policy for your records.Nationwide regrets that Ms. [redacted] did not receive the level of service he expected from Nationwide. Wecontinually work to ensure our member receive the highest level of customer service.If you require further assistance, please contact [redacted], Jane G[redacted] at ###-###-####,or by email at [redacted] between the hours of 8:00 AM and 4:15 PM.Sincerely,Colleen F[redacted]t
This letter is a response to your request for additional information regarding the complaint of [redacted] on his automobile policy. [redacted]’s policy renewed effective March 19, 2014, with a semi-annual premium of $1,222.20. The policy billed on an installment account with payments due on the 19th of each month. Payments were originally set up to be automatically withdrawn from the members banking account. On February 21, 2014, Nationwide billed $203.70, due on March 19, 2014. The payment was received on time through the electronic funds transfer (EFT) payment method. On March 25, 2014, Nationwide billed $203.70 due on April 19, 2014. On April 3, 2014, [redacted] called into the service center and indicated he desired to cancel his policy. He was advised he would need to sign a cancellation request and the document was issued to him via email. The automatic draft was stopped by the service representative due to the pending cancellation of the policy. The member however was not advised that the automatic draft was stopped. The cancellation request form was not received and due to the stopped automatic draft, the payment due on April 19, 2014, was not automatically withdrawn from the banking account on file. Nationwide issued of Notice of Cancellation indicating the payment must be received by May 11, 2014, to continue coverage. The policy cancelled for non-payment of premium effective May 12, 2014. On May 13, 2014, the policy was reversed to show no lapse in coverage when the error was discovered and a payment of $213.70 was received. The payment paid the bill due in April plus one $10.00 late fee. The installment account was unable to bill for May due to this error. The balance due on the policy was divided evenly over the three remaining months in the policy term, and a bill for $276.60 was issued for June 19, 2014. On June 25, 2014, when payment was not received a Notice of Cancellation was issued indicating payment must be received by July 11, 2014 to continue coverage. Payment was not received and the policy cancelled effective July 12, 2014, per the Notice of Cancellation. A final bill of $361.90 issued on July 18, 2014, following the completion of the cancellation process. On March 27, 2015, the cancellation date was changed from July 12, 2014, to July 11, 2014, per documentation submitted by the member indicating alternate coverage was obtained. A credit of $7.30 applied to the account reducing the balance due to $354.60. I have waived the $10.00 late fee from April 2014 due to the billing account error. The balance due is reduced further to $344.60. The balance due reflects premium owed for coverage extended from March 19, 2014 until July 11, 2014. There was no contact from the member and there were no payments received from the member from the time the policy cancelled in July of 2014, until March of 2015. The balance due is accurate and has been turned over to a third party for collection. [redacted] may contact CCS directly at ###-###-#### to set up a payment arrangement. A complete premium and payment history has previously been provided for this policy. Attached please find a copy of the Notice of Cancellation dated June 25, 2014, and the final bill dated July 18, 2014. Additionally, regarding the concern that the policy was set to cancel due to claims history; the claim dates were 12/27/2012, 03/14/2013, 01/30/2014, 05/23/2014 and 05/29/2014. State statutes allow for the non renewal of automobile coverage for even a single accident for which a policyholder is responsible, the 03/14/2013 incident was an at-fault claim. We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. We trust this will resolve all pending concerns. However, if you have any other requests or questions regarding this matter, please feel free to contact me. Sincerely, [redacted] Nationwide Insurance Company ###-###-####, Ext. [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Nationwide had reached out to me after I filed this complaint to resolve the billing issue and fixed it on November 7th. I still don't understand how you issue policy documents a week after the quote that are for the wrong amount, or how you can bind a policy for more than someone signs for without reissuing said documents. I think the lack of transparency on Nationwide's end is troubling and I will not be recommending them for service.
We are in receipt of your request for information regarding the above referenced file. Ms. [redacted] isdisputing the payment amount of claim [redacted]. She is requesting a review and additionalreimbursement on the above referenced claim.Ms. [redacted] has the Major Medical Plan with a $250.00 annual...
deductible for her dog [redacted]. OnAugust 9, 2016 we received a claim with a diagnosis of “Chronic Kidney Disease” along with aninvoice totaling $5373.92. Please note that medical records were not submitted with the claim whichcould have assisted us in processing. Our claims department processed the above claim on August23, 2016 with a primary diagnosis of chronic renal failure (code 1716). Based on the services listedon the invoice, secondary benefits were applied for abdominal ultrasound (code 7209) and ultrasoundassisted-guided procedure (code 7204). An explanation of benefits was mailed on August 24, 2016with a reimbursement of $1210.00.The Major Medical Plan works exclusively with a benefits schedule. Chronic renal failure has a benefitschedule allowance of $815.00 and a total of $4920.15 was applied to treatment. After the $250.00deductible was applied the full benefit of $815.00 was reimbursed, leaving $3855.15 exceeding thebenefit schedule allowance. A total of $395.00 was processed under the secondary benefit codes7209 and 7204 and was reimbursed in full.Fecal testing, tax and pet food were all denied as ineligible for coverage per the terms of the plan. Asoutlined in the Major Medical Plan, Section 6, What We do not Cover – Exclusions:N. “We will not pay special diets, pet foods, or dietary or nutritional supplements used to treat ormanage a condition or to preserve or improve general nutrition or health, even if prescribedby a veterinarian.”P. “We will not pay routine, preventative, elective, or cosmetic diagnosis, treatment orprocedures, including vaccines.”U. “We will not pay fees or other expenses not directly related to veterinary services includingfees or expenses incurred for: (1) waste disposal, (2) records access or copying, (3) any license or certification, (4) compliance with any government rule or regulation, (5) any tax, or(6) any charge assessed by any bank, credit card company, or other financial institution.”Ms. [redacted]’s claim was processed correctly and in accordance with the terms of the policy.Members are able to request a review of any claim; Ms. [redacted] was provided instructions on how torequest a review on August 30, 2016 when she contacted our Customer Service department,however no request for review was received from her. As a courtesy, we have contacted her pet’sveterinarian for medical records to review the claim in question for possible additional benefits. Oncecomplete, the results of the review will be sent to Ms. [redacted] under a separate cover.As noted above, the policy does provide the opportunity to request a review of any claim, as outlinedin the Major Medical Plan, Section 13, Review:You may request a review:A. “If we deny your claim in whole or in part; or”B. “To ask that we remove an Additional Excluded Condition listed on the Declarations Page orRenewal Certificate of your policy.”“You must submit your review request in writing indicating the reason for the review. You mustprovide us with all medical and surgical records from your veterinarian relating to any condition that isthe basis of your request. If your request for review involves an Additional Excluded Condition, youmust provide us with medical and surgical records or other documentation from your veterinariandemonstrating that the condition was cured at least six months before the date of your request.Chronic conditions are not eligible for removal. All review decisions are final.”Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, Joey L[redacted], at ###-###-#### or via email at [redacted]@nationwide.com.Sincerely,Vincent G[redacted]Clinical Operations Manager
Good Morning,Thank you for the quick reply and for contacting the business on my behalf. While I understand what was stated in the response, I believe it was generic. All that was mentioned was a change in 2016. However, I have been a customer since 2004. I expect more thorough research as to why a policy from 2004 to 2016 is still about $221 a month for a driver that does not have anything on her driving record. I would like a detailed response related directly to my account, not this basic one that I'm sure is used on a regular. In addition, I will attempt to go through the "solution" provided, but my inquiry was not directly answered. I do not need any procedural or policy information; I want direct responses. One 2016 move did not cause this expensive premium.
I am writing in response to the complaint referenced above, for [redacted], regarding an auto loan he holdswith Nationwide Bank.In reviewing Mr. [redacted]s account, I find that we have received all the documentation required of Mr. [redacted] inorder to maintain his approved interest rate. I sincerely...
apologize for any frustration or concern our letter mayhave caused Mr. [redacted]. To verify, the loan number referenced in Mr. [redacted]s complaint was opened with Nationwide Bank onNovember 28, 2016 for a term of sixty months with an APR of 10.98%. That interest rate is fixed and will beactive for the remainder of the loan.Please feel free to reach out to me directly if I may be of further assistance.Thank you,Anne C[redacted]
The information the company is given is incorrect. I was never told that I could provide proof that my child had moved. That would have been very easy to do. The fact that a late payment was made has nothing to do with the fact that nationwide gave me inaccurate information. When I spoke to the daughter she told me that her quote was an estimate but she assutrf me that if it would be more, it wouldn't be a few dollars in difference. She also told me that if I added a second vehicle, it would be cheaper which is why it was very surprised I received a bill with almost $200 added to my original policy. I specifically asked several times because I knew my situation and circumstances. There's no way they can tell me that they were that far off of quoting and had no idea.This lady has been working in this office for years. I don't feel this is right and I immediately asked them to correct the error which was not my fault in any way. I am asking that this is corrected immediately and if this lady has any type of integrity, she'd tell the truth and do what she knows is right. I am went to them because I wanted their services. However, I didn't want to be cheated out of my money. I actually found the cell phone that I recorded that particular call and I asked her several times about the price. She specifically said $40..I'd be more than happy to send you my phone so you can listen to it. I don't use the phone any longer so I don't mind sending it to you.
Regards,
[redacted]
Please accept this letter as a formal response to the additional questions regarding the [redacted] 401(K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide). I appreciate the opportunity to address your concerns and will do so in order.Unfortunately I am not able to provide plan level documentation to participants. The participant may please feel free to request a copy of this form and corresponding notification letter from her former employer. If the former employer no longer has a copy of these documents, they may request them from Nationwide directly. Quoting the letter, “The blackout period for any type of withdrawals begins as soon as we receive the signed Asset Transfer Form in our office”.I apologize for any confusion in the first reply. I did not intend to imply that during the blackout period a participant must request a withdrawal from the new provider, but that once the blackout period begins, participants must wait to request a distribution from their account until after the new provider receives their funds.It is correct that the plan sponsor is the former employer, and it is their responsibility to provide notice of a blackout period. I agree that without plan sponsor notifying a participant, a participant would not have had a way to know specifically when the blackout period would begin. However, this does not change the procedures within Nationwide. The former employer was aware of when the blackout period would begin, based on when we received the Asset Transfer Request Form, and were responsible for notifying participants of the correct blackout period start date.Ms. [redacted] was eligible to rollover her funds at any time after her date of separation, January 30, 2015. I understand that she made the decision to do so only after the blackout period notification was received, and regret that we were not able to honor her request immediately.The Money Market Prime is a cash equivalent fund. Because it does not have an interest rate associated and is not invested in the stock market where gains may occur with market fluctuations, there is no way for the funds to increase. However, there are fees associated with the 401K retirement accounts which result in a negative return on the cash equivalent funds.Again, the rate of return and fund prospectuses are available to participants to review before making investment decisions. [redacted] also provides access to a third part investment professional that is able to assist participants with making investment decisions. The rate of return for the money market funds is reported on the website. YTD of -0.64%. This information is readily available to participants before making a decision. Nationwide is not able to make recommendations, only perform exchanges upon request. Prior to a disbursement of funds, the funds must be invested within Nationwide. They are not required to be in the Money Market Prime fund specifically. The funds do have to be transferred back to Nationwide from any Self Directed Brokerage Account with TD Ameritrade. Ms. [redacted] chose to move the funds from TD Ameritrade into the Money Market Prime Fund.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would begin. 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,Nicole T[redacted]
Dear Ms. [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of America. We havereviewed the concerns expressed by Ms. [redacted] and will attempt to address them in the letter.[redacted] has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms. [redacted] lost control of her 2004 [redacted] on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the 2004 [redacted] she was driving at the time of theaccident failed due to a mechanical malfunction. She indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms. [redacted]’s 2004 [redacted]. Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms. [redacted], inquiring as to her rate increaseand suggesting this loss was due to a mechanical failure. The vehicle was sold by [redacted] on April 20, 2015 and this vehicle is no longer in Nationwide’s possession to verify Ms. [redacted]’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accident. She also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, 2015 a recorded interview was conducted with Ms. [redacted], in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms. [redacted] and the police report confirmed the accident, EricN[redacted], the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of loss. There were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to [redacted]s property totaled $ 2,350.00 andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D[redacted]at ###-###-#### or by email at [redacted]Sincerely,Nan Q[redacted]Claims Specialist IIINationwide###-###-####[redacted]
This letter is in response to the complaint filed with your agency by [redacted] regarding policy [redacted]. On February 9, 2016 a refund was issued to [redacted] in the amount of $386.44 for unearned premium paid on cancelled policy [redacted]....
This refund was issued under check number [redacted]. On February 26, 2016 the refund check number [redacted] was cashed. A copy of the cashed refund check has been included. On May 9, 2016 a second attempt was made to cash refund check number [redacted]. The request was not honored as it had been cashed previously on February 26, 2016. A copy of the refund check from the second attempt has also been included. Per a conversation I had with [redacted] on May 23, 2016, the insured advised that he was able to locate where he deposited the refund check in a [redacted] checking account in February of 2016. As the member was able to locate where he cashed the refund check, no further action was taken. If you require further assistance, please contact our [redacted], Phillis H[redacted], at ###-###-#### or by email at [redacted] Sincerely, Stephen Y[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
Breean B[redacted]
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.Per Ms. [redacted]s request, the payment notice has been mailed to the address on file.If you require further assistance in this matter, please contact [redacted] LanceR[redacted] ###-###-#### or by email at [redacted]Sincerely, Evan H[redacted]
January 17, 2017[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted]Dear [redacted],I am writing in response to Ms. [redacted] complaint regarding the payment history on her loan with Nationwide Bank.Upon reviewing Ms. [redacted] account stated concerns, I see some incorrect information. Nationwide Bank does not now, nor have we ever mailed an annual statement showing loan payments. Additionally, loan account activity is viewable online, showing the most recent activity on the account, including payment amounts, last date paid, next payment due date, along with other specific account information. Ms. [redacted] does have online access established with Nationwide Bank, although the account has not been viewed online since February 2016. We do certainly apologize for any incorrect information that may have been provided to Ms. [redacted] regarding the availability of account information.With regard to irregular payment postings, I find that because Ms. [redacted] had paid more than the required monthly amount due in some months, payments that had attempted to pull using old, invalid account information had no negative impact on the account.The loan was paid in full and closed on January 6, 2017. The payoff amount was correct, with no overpayment of shortage. However, because of the poor service provided to Ms. [redacted], we are mailing a refund check representing the amount of interest accrued from December 21, 2016 through January 6, 2017. This check will be mailed separately from this letter and will be sent to the address provided in Ms. [redacted] complaint.Again, I do apologize for any poor customer service experience Ms. Nemes may have experienced and those concerns will be addressed.Sincerely,[redacted]
[redacted]Nationwide Bank###-###-####CC: [redacted]
[redacted]
[redacted] [redacted]
In response to your June 9, 2017 inquiry on behalf of [redacted] at [redacted], please allow this letter to serve as our response. Our insured, [redacted] was issued a Commercial Automobile Policy under policy number LTO0028991. This policy provides...
Motor Truck Physical Damage Coverage for those events where there is direct loss to insured equipment.This claim was received in our office on December 13, 2016. The loss report is for vandalism damage to two [redacted] VLN tractors and two Utility trailers. After review of the loss with Mr. [redacted], we retained a heavy equipment adjuster to assess the damage.In the course of the claim investigation, discussions were held with [redacted] about the tires and their damageability and reparability. We have agreed to replacement of damaged tires and await receipts from [redacted] to support recent purchases. In the meantime, we have paid all undisputed damage – after deductible.Upon receipt of invoices for prior work, we will resolve the outstanding aspects of [redacted]’s claim.If you require further assistance, please contact our Customer Advocacy Coordinator, Patty G[redacted] direct at ###-###-#### or [redacted]Sincerely,Kent M[redacted]Claim Manager E&S/Specialtycc: [redacted]
We are in receipt of your request for additional information posted February 11, 2016, regarding the above referenced file.As we explained in our original response, we have not received any premium from the Third Party Administrator working with Ms. [redacted]’s employer. We are not disputing money has been taken from Ms. [redacted]’s paycheck; we simply have not received any premium payments from the Third Party Administrator.Policies, like Ms. [redacted]’s policy, that are set up as group payroll deduction to collect premium payments are different from policies set up to receive premium directly from the policyholder. Ms. [redacted]’s employer is ADT. ADT contracts with a Third Party Administrator, [redacted], to administer premium deductions and remit to Nationwide.We want to assure Ms. [redacted] that her premium has not been applied to an incorrect policy. [redacted] has very strict guidelines for confirming the accuracy of premium deductions from ADT. All premium submitted to Nationwide is sent by policy number.We are sorry for any confusion caused by emails/letters showing different pet names linked to Ms. [redacted]. This was an isolated error and has been resolved.Upon receipt of this request for information, we again reached out to [redacted] and confirmed they have received two $9.24 payments from ADT for Ms. [redacted]’s policy. Based on [redacted]’s cut off times for processing, we may not receive this money until the week of February 22, 2016.Underwritten by National Casualty CompanyOnce the premium is received from [redacted], we will process the refund within twenty four hours and return the funds to Ms. [redacted] via check.Should you require any further assistance in this matter, please contact our [redacted], Janice K[redacted], at ###-###-#### or via email at [redacted]Sincerely,Lynne C. H[redacted]
Everything was already paid up in full on the 2013 Dodge Ram, so there was no outstanding balance that was due and the collection agency that this was turned over to has added this to my credit. I am seeking to have this outstanding balance and removal of this item from my credit rectified as soon as possible. I would need to receive proof that the removal has been submitted to all credit bureaus and that this debt has been released from my name with Nationwide.
Regards,
[redacted]
I am rejecting this response because: you need to discuss this further with my vet's office. There was nothing to remove as both were benign and there was nothing to remove. I'm sick of the run around you are giving me. This is the most awful experience and be assured just as soon as I can find a comparable plan with another company I will cease doing business with Nationwide.
Regards,
[redacted]
Thank you for the opportunity to provide an additional response to the Revdex.com regarding policy number [redacted] for Mr. [redacted]n.
Mr. [redacted] requested to have his spouse, [redacted] excluded from the policy because she was not going to be driving the listed vehicle. Ms. [redacted] was not required to be added to the policy but an exclusion form is required to be submitted when a household member of driving age is not going to be rated on the policy. Notice was mailed to Mr. [redacted] requesting this information on 9/15/2015. This was also verbally explained to Mr. [redacted] on 10/29/2015 and 11/09/2015.
The policy cancelled on 11/27/2015 because the exclusion form requested was not received.
If I can be of further assistance, please contact me at ###-###-####.
Sincerely,
Alexandria C[redacted]
This correspondence is in response to your inquiry on behalf of the above named insured regarding the delayed issuance of her automobile insurance policy. I have been in contact with the agent and his Sales Manager. They verified that the automobile insurance policy was bound effective June 7, 2016, along with the homeowner policy, but not released from the system at that time. When the insured contacted the agency on July 22, 2016, the policy was released that day with a current effective date. The policy is being reissued back to June 7, 2016 as the insured had requested. This is a multi day process, and with the holiday coming up, the insured may not receive a hard copy in the mail until after Thanksgiving. I will follow up and email the corrected declaration pages to the insured as soon as available. Thank you for this opportunity to review our handling. We sincerely regret the inconvenience to the insured as a result of our handling. If you require further information, please contact our Customer Advocacy Coordinator, Barb D[redacted], direct at ###-###-#### or by email at [redacted]. Sincerely, Mary K[redacted] CPCU CRM CIC AINS Consultant, Compliance – Personal Lines Phone: ###-###-#### Email address: [redacted]
Yes, it's true that we received an initial payment, the day after this complaint was filed. But this response does nothing to address the poor communication/response that we received from our adjuster. Also, it was my husband, not myself that filed the claim...they never called him with a claim number as he was promised. We had to call in days later to get that information. We had no proactive communication from our adjuster. It took multiple calls/emails to get communication with her, and most of the time we had to have our Agent's office call her or her supervisor to even return a phone call.
Regards, [redacted]
This letter is in response to the complaint filed with your agency by [redacted] regarding his Automobilepolicy. Our records indicate the policy was written with an effective date of August 31, 2014. The policy wasactive until July 31, 2015, with one lapse in coverage from May 26, 2015, until...
June 6, 2015. The policy billed onan installment account with payments due on the 6th of the month for the most recent policy term.Unfortunately, Nationwide has no record of receipt of the signed cancellation request for the policy. If Mr. [redacted]will provide a copy of the policy declarations showing when he obtained alternate insurance, Nationwide will alterthe cancellation date on his policy and adjust the balance due accordingly.Nationwide contacted the third party collection agency and put a 60 day hold on the account to allow time for therequired documentation to be received without a negative impact to the member’s credit report. Attached pleasefind a complete premium and payment history for the policy for your records.Nationwide regrets that Ms. [redacted] did not receive the level of service he expected from Nationwide. Wecontinually work to ensure our member receive the highest level of customer service.If you require further assistance, please contact [redacted], Jane G[redacted] at ###-###-####,or by email at [redacted] between the hours of 8:00 AM and 4:15 PM.Sincerely,Colleen F[redacted]t
This letter is a response to your request for additional information regarding the complaint of [redacted] on his automobile policy. [redacted]’s policy renewed effective March 19, 2014, with a semi-annual premium of $1,222.20. The policy billed on an installment account with payments due on the 19th of each month. Payments were originally set up to be automatically withdrawn from the members banking account. On February 21, 2014, Nationwide billed $203.70, due on March 19, 2014. The payment was received on time through the electronic funds transfer (EFT) payment method. On March 25, 2014, Nationwide billed $203.70 due on April 19, 2014. On April 3, 2014, [redacted] called into the service center and indicated he desired to cancel his policy. He was advised he would need to sign a cancellation request and the document was issued to him via email. The automatic draft was stopped by the service representative due to the pending cancellation of the policy. The member however was not advised that the automatic draft was stopped. The cancellation request form was not received and due to the stopped automatic draft, the payment due on April 19, 2014, was not automatically withdrawn from the banking account on file. Nationwide issued of Notice of Cancellation indicating the payment must be received by May 11, 2014, to continue coverage. The policy cancelled for non-payment of premium effective May 12, 2014. On May 13, 2014, the policy was reversed to show no lapse in coverage when the error was discovered and a payment of $213.70 was received. The payment paid the bill due in April plus one $10.00 late fee. The installment account was unable to bill for May due to this error. The balance due on the policy was divided evenly over the three remaining months in the policy term, and a bill for $276.60 was issued for June 19, 2014. On June 25, 2014, when payment was not received a Notice of Cancellation was issued indicating payment must be received by July 11, 2014 to continue coverage. Payment was not received and the policy cancelled effective July 12, 2014, per the Notice of Cancellation. A final bill of $361.90 issued on July 18, 2014, following the completion of the cancellation process. On March 27, 2015, the cancellation date was changed from July 12, 2014, to July 11, 2014, per documentation submitted by the member indicating alternate coverage was obtained. A credit of $7.30 applied to the account reducing the balance due to $354.60. I have waived the $10.00 late fee from April 2014 due to the billing account error. The balance due is reduced further to $344.60. The balance due reflects premium owed for coverage extended from March 19, 2014 until July 11, 2014. There was no contact from the member and there were no payments received from the member from the time the policy cancelled in July of 2014, until March of 2015. The balance due is accurate and has been turned over to a third party for collection. [redacted] may contact CCS directly at ###-###-#### to set up a payment arrangement. A complete premium and payment history has previously been provided for this policy. Attached please find a copy of the Notice of Cancellation dated June 25, 2014, and the final bill dated July 18, 2014. Additionally, regarding the concern that the policy was set to cancel due to claims history; the claim dates were 12/27/2012, 03/14/2013, 01/30/2014, 05/23/2014 and 05/29/2014. State statutes allow for the non renewal of automobile coverage for even a single accident for which a policyholder is responsible, the 03/14/2013 incident was an at-fault claim. We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. We trust this will resolve all pending concerns. However, if you have any other requests or questions regarding this matter, please feel free to contact me. Sincerely, [redacted] Nationwide Insurance Company ###-###-####, Ext. [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me. Nationwide had reached out to me after I filed this complaint to resolve the billing issue and fixed it on November 7th. I still don't understand how you issue policy documents a week after the quote that are for the wrong amount, or how you can bind a policy for more than someone signs for without reissuing said documents. I think the lack of transparency on Nationwide's end is troubling and I will not be recommending them for service.
We are in receipt of your request for information regarding the above referenced file. Ms. [redacted] isdisputing the payment amount of claim [redacted]. She is requesting a review and additionalreimbursement on the above referenced claim.Ms. [redacted] has the Major Medical Plan with a $250.00 annual...
deductible for her dog [redacted]. OnAugust 9, 2016 we received a claim with a diagnosis of “Chronic Kidney Disease” along with aninvoice totaling $5373.92. Please note that medical records were not submitted with the claim whichcould have assisted us in processing. Our claims department processed the above claim on August23, 2016 with a primary diagnosis of chronic renal failure (code 1716). Based on the services listedon the invoice, secondary benefits were applied for abdominal ultrasound (code 7209) and ultrasoundassisted-guided procedure (code 7204). An explanation of benefits was mailed on August 24, 2016with a reimbursement of $1210.00.The Major Medical Plan works exclusively with a benefits schedule. Chronic renal failure has a benefitschedule allowance of $815.00 and a total of $4920.15 was applied to treatment. After the $250.00deductible was applied the full benefit of $815.00 was reimbursed, leaving $3855.15 exceeding thebenefit schedule allowance. A total of $395.00 was processed under the secondary benefit codes7209 and 7204 and was reimbursed in full.Fecal testing, tax and pet food were all denied as ineligible for coverage per the terms of the plan. Asoutlined in the Major Medical Plan, Section 6, What We do not Cover – Exclusions:N. “We will not pay special diets, pet foods, or dietary or nutritional supplements used to treat ormanage a condition or to preserve or improve general nutrition or health, even if prescribedby a veterinarian.”P. “We will not pay routine, preventative, elective, or cosmetic diagnosis, treatment orprocedures, including vaccines.”U. “We will not pay fees or other expenses not directly related to veterinary services includingfees or expenses incurred for: (1) waste disposal, (2) records access or copying, (3) any license or certification, (4) compliance with any government rule or regulation, (5) any tax, or(6) any charge assessed by any bank, credit card company, or other financial institution.”Ms. [redacted]’s claim was processed correctly and in accordance with the terms of the policy.Members are able to request a review of any claim; Ms. [redacted] was provided instructions on how torequest a review on August 30, 2016 when she contacted our Customer Service department,however no request for review was received from her. As a courtesy, we have contacted her pet’sveterinarian for medical records to review the claim in question for possible additional benefits. Oncecomplete, the results of the review will be sent to Ms. [redacted] under a separate cover.As noted above, the policy does provide the opportunity to request a review of any claim, as outlinedin the Major Medical Plan, Section 13, Review:You may request a review:A. “If we deny your claim in whole or in part; or”B. “To ask that we remove an Additional Excluded Condition listed on the Declarations Page orRenewal Certificate of your policy.”“You must submit your review request in writing indicating the reason for the review. You mustprovide us with all medical and surgical records from your veterinarian relating to any condition that isthe basis of your request. If your request for review involves an Additional Excluded Condition, youmust provide us with medical and surgical records or other documentation from your veterinariandemonstrating that the condition was cured at least six months before the date of your request.Chronic conditions are not eligible for removal. All review decisions are final.”Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, Joey L[redacted], at ###-###-#### or via email at [redacted]@nationwide.com.Sincerely,Vincent G[redacted]Clinical Operations Manager
Good Morning,Thank you for the quick reply and for contacting the business on my behalf. While I understand what was stated in the response, I believe it was generic. All that was mentioned was a change in 2016. However, I have been a customer since 2004. I expect more thorough research as to why a policy from 2004 to 2016 is still about $221 a month for a driver that does not have anything on her driving record. I would like a detailed response related directly to my account, not this basic one that I'm sure is used on a regular. In addition, I will attempt to go through the "solution" provided, but my inquiry was not directly answered. I do not need any procedural or policy information; I want direct responses. One 2016 move did not cause this expensive premium.
I am writing in response to the complaint referenced above, for [redacted], regarding an auto loan he holdswith Nationwide Bank.In reviewing Mr. [redacted]s account, I find that we have received all the documentation required of Mr. [redacted] inorder to maintain his approved interest rate. I sincerely...
apologize for any frustration or concern our letter mayhave caused Mr. [redacted]. To verify, the loan number referenced in Mr. [redacted]s complaint was opened with Nationwide Bank onNovember 28, 2016 for a term of sixty months with an APR of 10.98%. That interest rate is fixed and will beactive for the remainder of the loan.Please feel free to reach out to me directly if I may be of further assistance.Thank you,Anne C[redacted]
The information the company is given is incorrect. I was never told that I could provide proof that my child had moved. That would have been very easy to do. The fact that a late payment was made has nothing to do with the fact that nationwide gave me inaccurate information. When I spoke to the daughter she told me that her quote was an estimate but she assutrf me that if it would be more, it wouldn't be a few dollars in difference. She also told me that if I added a second vehicle, it would be cheaper which is why it was very surprised I received a bill with almost $200 added to my original policy. I specifically asked several times because I knew my situation and circumstances. There's no way they can tell me that they were that far off of quoting and had no idea.This lady has been working in this office for years. I don't feel this is right and I immediately asked them to correct the error which was not my fault in any way. I am asking that this is corrected immediately and if this lady has any type of integrity, she'd tell the truth and do what she knows is right. I am went to them because I wanted their services. However, I didn't want to be cheated out of my money. I actually found the cell phone that I recorded that particular call and I asked her several times about the price. She specifically said $40..I'd be more than happy to send you my phone so you can listen to it. I don't use the phone any longer so I don't mind sending it to you.
Regards,
[redacted]
Please accept this letter as a formal response to the additional questions regarding the [redacted] 401(K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide). I appreciate the opportunity to address your concerns and will do so in order.Unfortunately I am not able to provide plan level documentation to participants. The participant may please feel free to request a copy of this form and corresponding notification letter from her former employer. If the former employer no longer has a copy of these documents, they may request them from Nationwide directly. Quoting the letter, “The blackout period for any type of withdrawals begins as soon as we receive the signed Asset Transfer Form in our office”.I apologize for any confusion in the first reply. I did not intend to imply that during the blackout period a participant must request a withdrawal from the new provider, but that once the blackout period begins, participants must wait to request a distribution from their account until after the new provider receives their funds.It is correct that the plan sponsor is the former employer, and it is their responsibility to provide notice of a blackout period. I agree that without plan sponsor notifying a participant, a participant would not have had a way to know specifically when the blackout period would begin. However, this does not change the procedures within Nationwide. The former employer was aware of when the blackout period would begin, based on when we received the Asset Transfer Request Form, and were responsible for notifying participants of the correct blackout period start date.Ms. [redacted] was eligible to rollover her funds at any time after her date of separation, January 30, 2015. I understand that she made the decision to do so only after the blackout period notification was received, and regret that we were not able to honor her request immediately.The Money Market Prime is a cash equivalent fund. Because it does not have an interest rate associated and is not invested in the stock market where gains may occur with market fluctuations, there is no way for the funds to increase. However, there are fees associated with the 401K retirement accounts which result in a negative return on the cash equivalent funds.Again, the rate of return and fund prospectuses are available to participants to review before making investment decisions. [redacted] also provides access to a third part investment professional that is able to assist participants with making investment decisions. The rate of return for the money market funds is reported on the website. YTD of -0.64%. This information is readily available to participants before making a decision. Nationwide is not able to make recommendations, only perform exchanges upon request. Prior to a disbursement of funds, the funds must be invested within Nationwide. They are not required to be in the Money Market Prime fund specifically. The funds do have to be transferred back to Nationwide from any Self Directed Brokerage Account with TD Ameritrade. Ms. [redacted] chose to move the funds from TD Ameritrade into the Money Market Prime Fund.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would begin. 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,Nicole T[redacted]
Dear Ms. [redacted]:Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her concernswith the above referenced policy with Nationwide Affinity Insurance Company of America. We havereviewed the concerns expressed by Ms. [redacted] and will attempt to address them in the letter.[redacted] has a personal auto policy with Nationwide Affinity Insurance Company of America.On January 4, 2015, Ms. [redacted] lost control of her 2004 [redacted] on icy roads, striking a treeand a rock in a yard, and flipping the vehicle onto its top, with resulting damages so severe it wasconsidered a total loss.The complainant believes the 2004 [redacted] she was driving at the time of theaccident failed due to a mechanical malfunction. She indicated that the adjuster whocompleted the inspection did not check for mechanical issues.In review of the file notes and documents for the above referenced claim, we were not made aware ofany mechanical issues on Ms. [redacted]’s 2004 [redacted]. Nationwide was contacted on May 11,2016, a year and four months after the date of the loss by Ms. [redacted], inquiring as to her rate increaseand suggesting this loss was due to a mechanical failure. The vehicle was sold by [redacted] on April 20, 2015 and this vehicle is no longer in Nationwide’s possession to verify Ms. [redacted]’sclaim on the mechanical failure theory for the loss.The complainant believes the accident was initially listed as not-at-fault and was changed toan at-fault accident. She also raised a concern regarding not being notified that payment wasmade for property damage to the claimant without her knowledge.On January 5, 2015 a recorded interview was conducted with Ms. [redacted], in which she indicated thatshe had lost control of her vehicle due to ice and snow, and struck a tree and a rock.Once the statement was received from Ms. [redacted] and the police report confirmed the accident, EricN[redacted], the Nationwide Claims Adjuster indicated the chargeability of this accident as “at-fault”, whichwas one day after the date of loss. There were no notes in the claim where this accident was not-atfaultor non-chargeable.The investigation found the resulting damage to [redacted]s property totaled $ 2,350.00 andNationwide handled the payment of the damages.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D[redacted]at ###-###-#### or by email at [redacted]Sincerely,Nan Q[redacted]Claims Specialist IIINationwide###-###-####[redacted]
This letter is in response to the complaint filed with your agency by [redacted] regarding policy [redacted]. On February 9, 2016 a refund was issued to [redacted] in the amount of $386.44 for unearned premium paid on cancelled policy [redacted]....
This refund was issued under check number [redacted]. On February 26, 2016 the refund check number [redacted] was cashed. A copy of the cashed refund check has been included. On May 9, 2016 a second attempt was made to cash refund check number [redacted]. The request was not honored as it had been cashed previously on February 26, 2016. A copy of the refund check from the second attempt has also been included. Per a conversation I had with [redacted] on May 23, 2016, the insured advised that he was able to locate where he deposited the refund check in a [redacted] checking account in February of 2016. As the member was able to locate where he cashed the refund check, no further action was taken. If you require further assistance, please contact our [redacted], Phillis H[redacted], at ###-###-#### or by email at [redacted] Sincerely, Stephen Y[redacted]
I reviewed the response made by the business in reference to complaint ID [redacted], and find the resolution is satisfactory to me.
Regards,
Breean B[redacted]
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.Per Ms. [redacted]s request, the payment notice has been mailed to the address on file.If you require further assistance in this matter, please contact [redacted] LanceR[redacted] ###-###-#### or by email at [redacted]Sincerely, Evan H[redacted]
January 17, 2017[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted]Dear [redacted],I am writing in response to Ms. [redacted] complaint regarding the payment history on her loan with Nationwide Bank.Upon reviewing Ms. [redacted] account stated concerns, I see some incorrect information. Nationwide Bank does not now, nor have we ever mailed an annual statement showing loan payments. Additionally, loan account activity is viewable online, showing the most recent activity on the account, including payment amounts, last date paid, next payment due date, along with other specific account information. Ms. [redacted] does have online access established with Nationwide Bank, although the account has not been viewed online since February 2016. We do certainly apologize for any incorrect information that may have been provided to Ms. [redacted] regarding the availability of account information.With regard to irregular payment postings, I find that because Ms. [redacted] had paid more than the required monthly amount due in some months, payments that had attempted to pull using old, invalid account information had no negative impact on the account.The loan was paid in full and closed on January 6, 2017. The payoff amount was correct, with no overpayment of shortage. However, because of the poor service provided to Ms. [redacted], we are mailing a refund check representing the amount of interest accrued from December 21, 2016 through January 6, 2017. This check will be mailed separately from this letter and will be sent to the address provided in Ms. [redacted] complaint.Again, I do apologize for any poor customer service experience Ms. Nemes may have experienced and those concerns will be addressed.Sincerely,[redacted]
[redacted]Nationwide Bank###-###-####CC: [redacted]
[redacted]
[redacted] [redacted]
In response to your June 9, 2017 inquiry on behalf of [redacted] at [redacted], please allow this letter to serve as our response. Our insured, [redacted] was issued a Commercial Automobile Policy under policy number LTO0028991. This policy provides...
Motor Truck Physical Damage Coverage for those events where there is direct loss to insured equipment.This claim was received in our office on December 13, 2016. The loss report is for vandalism damage to two [redacted] VLN tractors and two Utility trailers. After review of the loss with Mr. [redacted], we retained a heavy equipment adjuster to assess the damage.In the course of the claim investigation, discussions were held with [redacted] about the tires and their damageability and reparability. We have agreed to replacement of damaged tires and await receipts from [redacted] to support recent purchases. In the meantime, we have paid all undisputed damage – after deductible.Upon receipt of invoices for prior work, we will resolve the outstanding aspects of [redacted]’s claim.If you require further assistance, please contact our Customer Advocacy Coordinator, Patty G[redacted] direct at ###-###-#### or [redacted]Sincerely,Kent M[redacted]Claim Manager E&S/Specialtycc: [redacted]
We are in receipt of your request for additional information posted February 11, 2016, regarding the above referenced file.As we explained in our original response, we have not received any premium from the Third Party Administrator working with Ms. [redacted]’s employer. We are not disputing money has been taken from Ms. [redacted]’s paycheck; we simply have not received any premium payments from the Third Party Administrator.Policies, like Ms. [redacted]’s policy, that are set up as group payroll deduction to collect premium payments are different from policies set up to receive premium directly from the policyholder. Ms. [redacted]’s employer is ADT. ADT contracts with a Third Party Administrator, [redacted], to administer premium deductions and remit to Nationwide.We want to assure Ms. [redacted] that her premium has not been applied to an incorrect policy. [redacted] has very strict guidelines for confirming the accuracy of premium deductions from ADT. All premium submitted to Nationwide is sent by policy number.We are sorry for any confusion caused by emails/letters showing different pet names linked to Ms. [redacted]. This was an isolated error and has been resolved.Upon receipt of this request for information, we again reached out to [redacted] and confirmed they have received two $9.24 payments from ADT for Ms. [redacted]’s policy. Based on [redacted]’s cut off times for processing, we may not receive this money until the week of February 22, 2016.Underwritten by National Casualty CompanyOnce the premium is received from [redacted], we will process the refund within twenty four hours and return the funds to Ms. [redacted] via check.Should you require any further assistance in this matter, please contact our [redacted], Janice K[redacted], at ###-###-#### or via email at [redacted]Sincerely,Lynne C. H[redacted]
Everything was already paid up in full on the 2013 Dodge Ram, so there was no outstanding balance that was due and the collection agency that this was turned over to has added this to my credit. I am seeking to have this outstanding balance and removal of this item from my credit rectified as soon as possible. I would need to receive proof that the removal has been submitted to all credit bureaus and that this debt has been released from my name with Nationwide.
Regards,
[redacted]