The information in the response from Nationwide in inaccurate. I applied for the loan online on November 16, 2015 and didn't receive the requested amount until Monday, December 14, 2015 (nearly 1 month later). I have attached a copy of two pictures: the first showing acknowledgement from Nationwide on November 24th and the second showing the numerous amount of times the loan needed to be cancelled/resubmitted. The information I received from Nationwide was that the third party administrator ([redacted]) was at fault. When everything was finalized, it is obviously the burden of responsibility lies with Nationwide. It is apparent to me that Nationwide does not have the ability to handle individual issues as they arise. They were more interested in bickering with the third party administrator than resolving the issue. It is completely unacceptable the way everything was handled. I applied for the loan giving myself (what should have been) plenty of time to have it for Christmas shopping. I'm a single mother and not knowing when or if I would receive the money was not only frustrating but aggravating. Do I expect someone at Nationwide to drop everything and work on my problem? Yes, I do!! As of the end of November, the loan had been approved by my employer, the third party administrator and by Nationwide itself. However, it took until December 15th to finally receive the deposit. I am now stuck paying additional shipping charges in order to guarantee Christmas delivery and some items are out of stock and now not available. I couldn't be more disappointed in the way Nationwide handled the entire transaction.
This letter is in response to the complaint filed with your agency by [redacted] regarding her auto policy cancellation refund.
[redacted] began her auto policy on July 1, 2014 with a full payment of $315.20. Our processing team received the requested cancellation on September 15, 2014, and...
the cancel date was to be effective September 2, 2014. The cancellation process was completed on September 17, 2014 and the credit was then processed to the billing account.
[redacted] states she is owed $250.00; however, in review of the account the refund amount is for $207.26. The amount of $107.94 was the cost for the coverage provided from July 1, 2014 to September 2, 2014.
Since this was a new policy and one payment was made for the full amount, the system recognizes it as the first payment of a new policy. When a new policy cancels with the first payment, the system will hold the funds to verify they are good before releasing a refund.
On October 3, 2014, [redacted] called to state she still had not received her auto refund. Our representative informed that she would stop payment on the refund and issue an overnight refund check. Unfortunately, the request to issue the overnight refund was incorrectly sent to our processing team, causing the delay.
Our processing team issued an overnight refund on October 13, 2014, in the amount of $207.26. It has been sent via UPS to ensure it is promptly delivered, with the following tracking number: ############. The delivery is set for Tuesday, October 14, 2014.
We apologize for the delay in the refund and for any inconvenience. If we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at
###-###-####, ext. ##### direct at ###-###-####, or by email at [redacted]
Sincerely,
[redacted]
Nationwide Affinity Insurance Company of America
(1) A response from nationwideWe spoke with the insured and she agreed to allow us to send out a vendorto evaluate the couch for repair/replacement.(2) A check for the cost to replace the couches and dispose of the oldcouchesOnce the evaluation is complete we will review for repair or...
replacement.(3) The $1,000 deductible refunded/subrogation process initiatedSubrogation was referred and is working with the liable carrier to pursuesubrogation. If subrogation is successful the subrogation department willhandle reimbursement.(4) Check for the depreciation withheldThe depreciation check was issued prior to this complaint.
I just recently have new information concerning my claim. Before Christmas, I went to [redacted] Motors in Kingston PA and they gave me an appraisal on the value of my car, but not in writing. Mr [redacted] from that dealership stated that my car was worth about $17,000 because of the accident. So, I gave all the information to [redacted] from [redacted] and she said she would contact [redacted] at [redacted] Motors. On Tuesday, December 20, 2014, I decided to get another appriasal from the dealership where I purchased my vehicle, [redacted] Subaru, Hazleton PA.At approxiamtely 10:30am , I spoke with Mr [redacted], salesman at that dealership. He had my car checked by the mechanic. ran the carfax and spoke with his manager. He gave me the paperwork which I have and can send a copy. He stated that my vehicle's value was $16,000.00 because of the accident. I am taking a major loss because of the accident. It is only fair to be reimbursed for such a loss. Please let me know where to send the copy of this estimate. Should I mail it to you (Revdex.com) or to [redacted].
To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie [redacted]. Below is the information we gathered regarding this case. If I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on...
March 17, 2015 Associate Agent [redacted] received an email from Ms. [redacted] informing him she was moving back to the [redacted] on May 22, 2015. She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr. [redacted] responded via email to Ms. [redacted]’ request to update her banking information. He informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms. [redacted] responded to Mr. [redacted]’s email on March 19 giving him the banking information needed and again on March 20. These emails also contained questions pertaining to the $30.00 non-sufficient fund fee she was being incorrectly charged. Unfortunately, these emails were not opened by Mr. [redacted] until April 28. It was on this date Mr. [redacted] informed Ms. [redacted] (via email) that he had not changed the routing and account numbers as he advised he would. Mr. [redacted] also informed Ms. [redacted] the policy was scheduled to cancel on April 29, 2015. Realizing his error, Mr. [redacted] also informed Ms. [redacted] he would have the non-sufficient fund fee waived. Subsequently, there was no follow up with the insured nor was the $30.00 non-sufficient fee waived.We have, however, taken the necessary steps to remove the $30.00 non-sufficient funds fee and the resulting $22.68 collection amount charged to Ms. [redacted]. A refund check in the amount of $7.32 (unearned premium) is in the process of being mailed to Ms. [redacted] and [redacted] to the [redacted] address we have on file. The policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms. [redacted] and Mr. [redacted] for the level of service they received. We thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call [redacted] Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at [redacted]Sincerely,[redacted]Nationwide###-###-#### [redacted]
Dear [redacted]Thank you for contacting Nationwide Bank in regards to the interest rate and payment amountbeing increased on your automobile loan.It has been determined that the interest rate has been increased to 24.99%, which in turnincreased the monthly payment to $402.88 due to the status of...
unobtainable title. ThePromissory Note that you signed upon closing this loan has a clause that states: Upon maturity,whether scheduled or accelerated by the Lender because of my default, the Interest rate on thisNote shall be increased to 24.99% per annum" and under the Defective Collateralization sectionit states: This Note or any of the related documents ceases to be in full force and effect(including failure of any collateral document to create a valid end perfected security interest orlien) at any time and for any reason." Per the notes on the account, as of June 18, 2014,Nationwide Bank had not received the title on the 2013 Audi A5.After reviewIng the loan account notes and the documentatlon you forwarded to the bankrelated to the Department of Motor Vehicles Investigation regarding the dealership (VIP Motors,Inc.) being out of business, the loan rate has been adjusted back to 2.90% with an effective dateof June 18, 2014.If you have any further concerns regarding this complaint, please contact me at ###-###-####,Monday-Friday, 8:00 AM - 3:00 PM, EST.Thank you.Sincerely,[redacted]
We are in receipt of the complaint on the above mentioned matter. Claims Associate, Eric V[redacted], hasbeen working with Mr. and Mrs. [redacted] regarding this claim. Mr. V[redacted] has made several revisionsto the estimate for repairs to address some of the concerns mentioned in the complaint as outlinedbelow:? After discussion with the [redacted]’s contractor and the cabinet installer, we agreed to thereplacement of the kitchen cabinets? The master bedroom carpet was to be resolved directly by [redacted] and their subcontractor. As thishas not been resolved at this time, we agreed to the replacement of this carpet.A copy of the revised estimate has been provided to the [redacted]. Mr. V[redacted] has reviewed therevisions named above with Mrs. [redacted] and she agreed and advised there is nothing additionalneeded at this time. A copy of the revised estimate is attached to this response.If you have any additional questions, please contact Customer Advocacy Coordinator AngelaS[redacted] at [redacted] or [redacted]Sincerely,Stacey H[redacted]
Once again, the personnel of Nationwide are exhibiting the very unprofessionalism and incompetence that we have stated from the very begining. We advised them numerous times of our new official address that being: [redacted] Drive, apt. [redacted], McLean, VA 22102.Do you think for a single second, that we are in the least surprised that they would intentionally send our cheque for monies owed to a non-existant address?Nationwide has been a disgrace from the very beginning. Our address is and always has been [redacted] Drive. apt. [redacted] in McLean Virginia 22102. We believe Nationwide has deliberately sent our monies owed to a non existant address because perhaps they do not have the funds in which to refund us our monies. We DEMAND AN OFFICIAL LETTER OF APOLOGY FROM NATIONAWIDE for their INCOMPETENCE AND THEIR DELIBERATE ACTIONS IN DELAYING PAYING US OUR MONIES OWED.ALSO, NATIONWIDE SHOULD BE EMBARASSED FOR WRITING US AN ABRUPT LETTER ADVISING US THAT THEIR HANDLING OF OUR CLAIM FROM JUNE 8, 2016 CANNOT BE RESOLVED BY THEM, AGAINST OUR FORMER LANDLORD, AND THAT NOW, THEY ARE FILING WITH A COLLECTION AGENCY. APPARENTLY, NATIONWIDE DOES NOT KNOW HOW TO HANDLE AND RESOLVE LEGAL CLAIMS FILED WITH THEM. INSTEAD THEY PASS THE BUCK TO A COLLECTION AGENCY AFTER 9 MONTHS OF NO RESOLUTION AGAINST OUR FORMER LANDLORD.WE DEMAND NOT ONLY AN OFFICIAL APOLOGY FROM THEIR HEAD OFFICE WITH RESPECT TO THIS OBVIOUS DELAY IN RETURNING OUR MONIES OWED AND WE DEMAND INTEREST ON SAID MONIES OWED DUE TO THEIR DELIBERATE ACTIONS IN SENDING OUR MONIES OWED TO A NON ADDRESS. WE ADVISED THEM IN WRITING AT LEAST SIX TIMES OF OUR NEW ADDRESS BEING [redacted], apt. [redacted], in McLean, VA 22102 and after receiving written confirmation of this new address they STILL SENT OUR MONIES OWED SOMEWHERE ELSE. HOW DOES THIS NATIONWIDE STAY IN BUSINESS. AFTER OVER TEN YEARS OF PAYING THIS UNPROFESSIONAL COMPANY OUR MONTHLY PREMIUMS, THIS IS HOW THEY TREAT US.
I received a phone call from Nationwide requesting my golf cart registration. I just sent it and got a response rejecting the claim. Without explaining what is wrong. It appears they have made a decision long before I sent the documentationI request Revdex.com to post my complaint as a service to consumers in [redacted]Many of them have their golf cart under their home owners policy. They do use the golf cart other than going to golf courses.If you recall Nationwide is rejecting my claim because we used golf cart other than going to golf courseI am just trying to make public aware of this clause in Nationwide policyThanks Revdex.com for helping me
Regards,
[redacted]
Please accept this letter in response to [redacted]'s concerns related to the dividends on his policy. I hope you find the following information helpful.
Policy...
details
Owner: [redacted]
Insured: [redacted]
Policy number: [redacted]
Case number: ########## found
I've attached copies of the following documents:
· Dividend history
· Copy of Life Contract
Our dividend scale is affected by many factors including mortality experience, investment returns (interest rates) and expenses. To determine the dividend scale, we update these factors based on the actual results of Nationwide. For example, if Nationwide's actual investment returns go down, then the investment return factor in the dividend scale will be reduced. Each year the factors in the dividend scale are updated, and a new dividend scale is determined.
[redacted] selected a primary dividend option of premium reduction with a secondary option of cash. It appears that [redacted]'s complaint refers strictly to the cash portion of his dividends. As shown in the attached dividend history, this policy has continued to earn dividends. However, unfortunately in the last few years our dividend scale has trended down primarily because the company experience for the investment return and expense factors has been less favorable. I've highlighted the dividend provision of the policy on page three, section four of the attached contract pages.
While we sympathize with [redacted]'s concerns, we can't honor his request to use the 1962 dividend scale on his policy as it could be considered discriminatory action.
For help when you need it
If you have any additional questions, please contact me by calling ###-###-####, option #, extension #####
between 9:00 a.m. and 5:30 p.m. Eastern time or by emailing [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.
On 2/13/2015, [redacted] purchased a six month insurance policy from the Right Answer Insurance Agency with a paid in full bill plan.
On 2/14/2015 [redacted] was sent her policy document, policy declarations page and ID card. The cancellation during policy period is outlined on page 14 of the policy document provided, subheading 5 of the General Policy Conditions. As stated “the refund will be computed in accordance with the short rate table and procedure, which is the unearned prorate premium X .90.”
On 4/29/2015 [redacted]’s cancellation was processed per her signed request effective 4/30/2015 per the procedures outlined in her policy document. A return of premium check for $141.14 was sent on 5/1/2015 to the address on file.
I trust that I have addressed the issues within [redacted]’s complaint. If I can be of further assistance, please contact me at ###-###-####.
Thank you for the opportunity to respond to the Revdex.com regarding policy number 6401281 for [redacted] and to address her concerns about the policy. On 11/03/2008, Mrs. [redacted] started a six-month personal auto insurance policy through the [redacted] insurance...
agency. The policy was on a 20% down payment and five installment electronic funds transfer (EFT) bill plan. The policy cancelled effective 05/03/2017 when the renewal payment of $79.68 was not made. On 09/08/2016 a renewal offer was mailed to Mrs. [redacted] advising that a payment of $75.77 would be automatically drafted from her account on 11/03/2016 to start the next six-months of coverage. On 11/03/2016, an EFT payment schedule was mailed to Mrs. [redacted] outlining the next five months of payments, and thanking her for the renewal payment taken. On 04/07/2017, Mrs. [redacted] contacted the member service center regarding the fact that her policy was still active. She advises the Member Care Representative (MCR) that she received a renewal offer despite calling the agent’s office to cancel. The MCR asked if Mrs. [redacted] ever went into the agency or signed a cancellation request. Mrs. [redacted] confirmed that she just called to cancel the policy, and that she never went into the agent’s office or signed a cancellation request. The MCR asks probing questions as to whether Mrs. [redacted] had other coverage at the time, or if she had turned in the plates for the vehicle to show that the coverage was not needed. Mrs. [redacted] advises she has no such documentation, at which point the MCR offers to send her a cancel request to sign, which can be back dated up to 30 days. The MCR also stopped the EFT on that call so no further payments would draft from Mrs. [redacted]’s account. During this call, Mrs. [redacted] is transferred to an Escalation Specialist who reaches out to the [redacted] agency. The Escalation Specialist speaks to agent [redacted] and asks if they have a cancel request on file. [redacted] checks and advises that there is nothing on file, and that if Mrs. [redacted] had called in to cancel she would have been advised to come into the office to sign the request. On 06/16/2017, I spoke with agent [redacted] at the [redacted] agency. She advised that had Mrs. [redacted] called the agency to cancel this policy, they would have asked her to come in and sign a cancellation request. She further advised that Mrs. [redacted] has been in contact with the agency several times in regards to this matter, and has been advised that proof showing the policy was no longer needed would be required to back date the cancellation. The agency has no record of Mrs. [redacted] calling in to cancel her policy. If you require further assistance, please contact me, Charity W[redacted], at ###-###-#### or by email at [redacted]. Sincerely, Jillian J[redacted] Analyst, Process Management
The
policy for [redacted] was renewed on February 12, 2016 for $1,174.62. The previous premium on her policy was
$786.12. There was a general rate
increase that was included in the renewal premium. The member increased the
dwelling coverage by about $10,000. Due to...
the recent claim, the “Claims Free
Discount” was also removed from the policy. All of these factors attributed to the
increased renewal premium.
Please
accept my apologies if you feel that any representative treated you in a manner
that was less then professional.
Please
do not hesitate to contact me, should you have any additional questions.
Sincerely,
Carol
G[redacted]
[redacted]
I have reviewed the follow-up inquiry received from [redacted] regarding his homeowners policyinsured with Depositors lnsurance Company. He is disputing the actions taken within the discoveryperiod of the policy and the additional premium due.Below is a tirneline explaining the activity on Mr. [redacted] policy.December 30, 2015 New business effective date of the policy with our company and coverage bound by the agent.January 6, 2016 Billing statement generated to the insuredJanuary 11, 2016 Protection class of the policy was updated effective December 30, 2015 in order to properly rate the policy for the distance to the fire hydrant. This was done within the "discovery/underwriting period" of the policy.January 20,2016 Exterior inspection was done by the Company vendor. This was the only inspection by the Company. Inspections are not ordered/requested by the Company prior to a submitted/bound policy by the agency.January 30, 2016 Due date of premium billed on January 6, 2016 $120.75January 31, 2016 Inspection was reviewed by the Company and dwelling coverage increased in order to insure the dwelling for full replacement value of the home. This was done effective December 30, 2015 and processed within the "discovery/underwriting period" of the policy.February 4, 2016 Payment of $120.75 (due on January 30, 2016) was received and policy set up on automatic withdrawals for future payments.February 5, 2016 Next bill generated for $177.23 (reflected premium change due to the protection class and dwelling amount change). March 1, 2016 Due date of premium $177.23. The insured requested cancellation effective this date, and the agency stopped the automatic withdrawal for the premium due on this date.As noted in the prior Company response, Michigan lnsurance regulation/statute affords companies aspecified number of days in which to make policy coverage/rating changes and review eligibility of arisk, along with applicable premium adjustments that result from policy coverage/rating changes.The changes made on Mr. [redacted]'s policy were within this discovery/underwriting period. Per theemail provided by the insured in his inquiry, the agency advised Mr. [redacted] that any premiumbalance due or refund would be updated based on the March 1, 2016 cancellation date. Premiumreceived on his policy was not sufficient for the time coverage was provided and resulted in a balancedue to the Company.If you require further assistance, please contact our Customer Relations Coordinator, JoleenS[redacted] at ###-###-#### or by email at [redacted]Sincerely,Gale G[redacted]
Nationwide strives to provide great customer service to all of our customers. I have examined the issues stated by our member and the following response was received from independent contractor agent, [redacted], in regards to the complaint filed by [redacted]. Please note that Mr. [redacted] is not an employee of Nationwide, but an independent contractor responsible for the time, place and manner in which he services Nationwide’s policyholders. The agent’s statement below is his alone, and it does not reflect Nationwide’s policies or procedures. Nationwide will be independently investigating Ms. [redacted]’s complaint against Mr. [redacted].
Our office spoke to this policyholder on December 1, 2014. She informed us she was the owner of the vehicle on policy # [redacted] We wrote a spinoff policy December 2, 2014 with [redacted] as the named insured and the two drivers on the policy were [redacted] and her mother [redacted]. The Application is in DocuVault but it is unsigned. The application was sent to her by email in December of 2014 and again in May of 2014. The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed application. Ms. [redacted] has still not signed the application to correct the named insured error. Our system reflects that on December 1, 2014 the policy was bound in [redacted]’s name. I have already mentioned this to Nationwide because we have seen this error before. Nationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy). The address on both of these policies is the same. All Declaration Pages have been sent to the [redacted] address. I feel Ms. [redacted] is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place [redacted] as the named Insured on the policy.
Ms. [redacted] has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a 2004 Cadillac. She replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicle. She never had rental coverage on the prior policy [redacted] and it was not put on the new spinoff policy [redacted]. There were never any notes or questions about rental coverage. Ms. [redacted] has received all Declaration Pages and no rental coverage is listed. No communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effective. Ms. [redacted] has no documentation where she requested this coverage that I am aware of.
If you have any additional questions, please contact me at ###-###-#### or [redacted].
Best Regards,
[redacted]
[redacted]
Centralized Sales Operation and Support
This account is not factual.
I did call and discuss canceling my policy with Nationwide.
I don’t exactly recall the reason why (it might have been because Nationwide
went up on my rates). I did not however tell them I wanted to cancel.
Nationwide took the steps to cancel my direct debit. When I realized what
happened, I called them to let them know. Nationwide did not discover the
error. I informed them of it. At first, Nationwide agreed to reinstate my
account. Then, Nationwide informed me that they were not going to be able to reinstate
my account due to claims and tried to refer me to a secondary service. I fought
them on this because I did not understand the issue. When all was said and
done, I felt as if I were under pressure and had limited time to find another
insurance company. I eventually did. I thought I was done with Nationwide.
Nationwide mentions that I did not contact them between July
2014 and March 2015. The reason being is that I was again under the impression
that my relationship with Nationwide was over. I did not receive anything from
them stating that I owed them money. Nor did I receive a collection notice
until March of 2015. As Nationwide can see, I promptly got in touch with them.
Again, the amount is a very small amount of money and if I would have known I
owed it (which I am still not convinced that I do), I would have paid it. The
issue is not the amount of money. It’s the collection on my credit and the way Nationwide
has handled and or treated me in this process.
To address the claims issue, Nationwide mentions 5 claims. I
think two of them were windshields (which I didn’t realize were that type of claim),
another was a massive hail storm that destroyed the exterior of my car and a 4th
one was a tire that flew off a tractor trailer and hit my car in the front
causing severe damage. The 03/14/2013 claim was an accident that I was charged
for. I hit a car from behind at a low speed after a sudden stop. However, the
other party didn’t show up for court and I was found not guilty. So,
technically, I’m not legally responsible for that claim.
Still, it is true that Nationwide paid out on that claim.
But, I am curious. If Nationwide has the right per state law to cancel my
coverage for a single incident in which a policy holder is at-fault and that
was the reason Nationwide intended to cancel my coverage, why did Nationwide
renew my coverage twice after that? I only sign up for 6 month policies. So, Nationwide
would have had to renew it at least twice since the date of the accident in
which I was at fault. Or… is there another reason that Nationwide intended to
cancel my policy?
It seems as if something isn’t quite right with Nationwide’s
statement or Nationwide’s business practices.
In the end, I was under the impression that Nationwide didn’t
want to do business (which includes accepting my money) with me any longer and
that I needed to make changes as soon as I could. At no point did I think I
still had an obligation to Nationwide and at no point did Nationwide inform me
of said obligation.
I still demand that this be recalled from the collection
agency, deleted from my credit report. In return, I will cut a check to
Nationwide for the $344.60. I will do this despite the fact that I believe
somewhere along the way Nationwide directly targeted me. I believe that Nationwide
felt they were losing money on my account and decided to “make a point.” And I
will do it despite the fact that I don’t believe I owe the money. I would
rather pay the ransom than have my credit ruined for 7 years.
Regards,
[redacted]
I did receive a check on Saturday, October 11th and one from UPS on Tuesday the 14th. I contacted [redacted] at Nationwide today (Wednesday) and confirmed receipt and will shred the 2nd check.
Thank your help
[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]
The information in the response from Nationwide in inaccurate. I applied for the loan online on November 16, 2015 and didn't receive the requested amount until Monday, December 14, 2015 (nearly 1 month later). I have attached a copy of two pictures: the first showing acknowledgement from Nationwide on November 24th and the second showing the numerous amount of times the loan needed to be cancelled/resubmitted. The information I received from Nationwide was that the third party administrator ([redacted]) was at fault. When everything was finalized, it is obviously the burden of responsibility lies with Nationwide. It is apparent to me that Nationwide does not have the ability to handle individual issues as they arise. They were more interested in bickering with the third party administrator than resolving the issue. It is completely unacceptable the way everything was handled. I applied for the loan giving myself (what should have been) plenty of time to have it for Christmas shopping. I'm a single mother and not knowing when or if I would receive the money was not only frustrating but aggravating. Do I expect someone at Nationwide to drop everything and work on my problem? Yes, I do!! As of the end of November, the loan had been approved by my employer, the third party administrator and by Nationwide itself. However, it took until December 15th to finally receive the deposit. I am now stuck paying additional shipping charges in order to guarantee Christmas delivery and some items are out of stock and now not available. I couldn't be more disappointed in the way Nationwide handled the entire transaction.
This letter is in response to the complaint filed with your agency by [redacted] regarding her auto policy cancellation refund.
[redacted] began her auto policy on July 1, 2014 with a full payment of $315.20. Our processing team received the requested cancellation on September 15, 2014, and...
the cancel date was to be effective September 2, 2014. The cancellation process was completed on September 17, 2014 and the credit was then processed to the billing account.
[redacted] states she is owed $250.00; however, in review of the account the refund amount is for $207.26. The amount of $107.94 was the cost for the coverage provided from July 1, 2014 to September 2, 2014.
Since this was a new policy and one payment was made for the full amount, the system recognizes it as the first payment of a new policy. When a new policy cancels with the first payment, the system will hold the funds to verify they are good before releasing a refund.
On October 3, 2014, [redacted] called to state she still had not received her auto refund. Our representative informed that she would stop payment on the refund and issue an overnight refund check. Unfortunately, the request to issue the overnight refund was incorrectly sent to our processing team, causing the delay.
Our processing team issued an overnight refund on October 13, 2014, in the amount of $207.26. It has been sent via UPS to ensure it is promptly delivered, with the following tracking number: ############. The delivery is set for Tuesday, October 14, 2014.
We apologize for the delay in the refund and for any inconvenience. If we may offer any further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at
###-###-####, ext. ##### direct at ###-###-####, or by email at [redacted]
Sincerely,
[redacted]
Nationwide Affinity Insurance Company of America
(1) A response from nationwideWe spoke with the insured and she agreed to allow us to send out a vendorto evaluate the couch for repair/replacement.(2) A check for the cost to replace the couches and dispose of the oldcouchesOnce the evaluation is complete we will review for repair or...
replacement.(3) The $1,000 deductible refunded/subrogation process initiatedSubrogation was referred and is working with the liable carrier to pursuesubrogation. If subrogation is successful the subrogation department willhandle reimbursement.(4) Check for the depreciation withheldThe depreciation check was issued prior to this complaint.
I just recently have new information concerning my claim. Before Christmas, I went to [redacted] Motors in Kingston PA and they gave me an appraisal on the value of my car, but not in writing. Mr [redacted] from that dealership stated that my car was worth about $17,000 because of the accident. So, I gave all the information to [redacted] from [redacted] and she said she would contact [redacted] at [redacted] Motors. On Tuesday, December 20, 2014, I decided to get another appriasal from the dealership where I purchased my vehicle, [redacted] Subaru, Hazleton PA.At approxiamtely 10:30am , I spoke with Mr [redacted], salesman at that dealership. He had my car checked by the mechanic. ran the carfax and spoke with his manager. He gave me the paperwork which I have and can send a copy. He stated that my vehicle's value was $16,000.00 because of the accident. I am taking a major loss because of the accident. It is only fair to be reimbursed for such a loss. Please let me know where to send the copy of this estimate. Should I mail it to you (Revdex.com) or to [redacted].
To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie [redacted]. Below is the information we gathered regarding this case. If I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on...
March 17, 2015 Associate Agent [redacted] received an email from Ms. [redacted] informing him she was moving back to the [redacted] on May 22, 2015. She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr. [redacted] responded via email to Ms. [redacted]’ request to update her banking information. He informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms. [redacted] responded to Mr. [redacted]’s email on March 19 giving him the banking information needed and again on March 20. These emails also contained questions pertaining to the $30.00 non-sufficient fund fee she was being incorrectly charged. Unfortunately, these emails were not opened by Mr. [redacted] until April 28. It was on this date Mr. [redacted] informed Ms. [redacted] (via email) that he had not changed the routing and account numbers as he advised he would. Mr. [redacted] also informed Ms. [redacted] the policy was scheduled to cancel on April 29, 2015. Realizing his error, Mr. [redacted] also informed Ms. [redacted] he would have the non-sufficient fund fee waived. Subsequently, there was no follow up with the insured nor was the $30.00 non-sufficient fee waived.We have, however, taken the necessary steps to remove the $30.00 non-sufficient funds fee and the resulting $22.68 collection amount charged to Ms. [redacted]. A refund check in the amount of $7.32 (unearned premium) is in the process of being mailed to Ms. [redacted] and [redacted] to the [redacted] address we have on file. The policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms. [redacted] and Mr. [redacted] for the level of service they received. We thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call [redacted] Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at [redacted]Sincerely,[redacted]Nationwide###-###-#### [redacted]
Enclosed please find our response to your inquiry dated August 24, 2016 as it relates to your file #[redacted] - [redacted] Thank oyou.
Dear [redacted]Thank you for contacting Nationwide Bank in regards to the interest rate and payment amountbeing increased on your automobile loan.It has been determined that the interest rate has been increased to 24.99%, which in turnincreased the monthly payment to $402.88 due to the status of...
unobtainable title. ThePromissory Note that you signed upon closing this loan has a clause that states: Upon maturity,whether scheduled or accelerated by the Lender because of my default, the Interest rate on thisNote shall be increased to 24.99% per annum" and under the Defective Collateralization sectionit states: This Note or any of the related documents ceases to be in full force and effect(including failure of any collateral document to create a valid end perfected security interest orlien) at any time and for any reason." Per the notes on the account, as of June 18, 2014,Nationwide Bank had not received the title on the 2013 Audi A5.After reviewIng the loan account notes and the documentatlon you forwarded to the bankrelated to the Department of Motor Vehicles Investigation regarding the dealership (VIP Motors,Inc.) being out of business, the loan rate has been adjusted back to 2.90% with an effective dateof June 18, 2014.If you have any further concerns regarding this complaint, please contact me at ###-###-####,Monday-Friday, 8:00 AM - 3:00 PM, EST.Thank you.Sincerely,[redacted]
We are in receipt of the complaint on the above mentioned matter. Claims Associate, Eric V[redacted], hasbeen working with Mr. and Mrs. [redacted] regarding this claim. Mr. V[redacted] has made several revisionsto the estimate for repairs to address some of the concerns mentioned in the complaint as outlinedbelow:? After discussion with the [redacted]’s contractor and the cabinet installer, we agreed to thereplacement of the kitchen cabinets? The master bedroom carpet was to be resolved directly by [redacted] and their subcontractor. As thishas not been resolved at this time, we agreed to the replacement of this carpet.A copy of the revised estimate has been provided to the [redacted]. Mr. V[redacted] has reviewed therevisions named above with Mrs. [redacted] and she agreed and advised there is nothing additionalneeded at this time. A copy of the revised estimate is attached to this response.If you have any additional questions, please contact Customer Advocacy Coordinator AngelaS[redacted] at [redacted] or [redacted]Sincerely,Stacey H[redacted]
Once again, the personnel of Nationwide are exhibiting the very unprofessionalism and incompetence that we have stated from the very begining. We advised them numerous times of our new official address that being: [redacted] Drive, apt. [redacted], McLean, VA 22102.Do you think for a single second, that we are in the least surprised that they would intentionally send our cheque for monies owed to a non-existant address?Nationwide has been a disgrace from the very beginning. Our address is and always has been [redacted] Drive. apt. [redacted] in McLean Virginia 22102. We believe Nationwide has deliberately sent our monies owed to a non existant address because perhaps they do not have the funds in which to refund us our monies. We DEMAND AN OFFICIAL LETTER OF APOLOGY FROM NATIONAWIDE for their INCOMPETENCE AND THEIR DELIBERATE ACTIONS IN DELAYING PAYING US OUR MONIES OWED.ALSO, NATIONWIDE SHOULD BE EMBARASSED FOR WRITING US AN ABRUPT LETTER ADVISING US THAT THEIR HANDLING OF OUR CLAIM FROM JUNE 8, 2016 CANNOT BE RESOLVED BY THEM, AGAINST OUR FORMER LANDLORD, AND THAT NOW, THEY ARE FILING WITH A COLLECTION AGENCY. APPARENTLY, NATIONWIDE DOES NOT KNOW HOW TO HANDLE AND RESOLVE LEGAL CLAIMS FILED WITH THEM. INSTEAD THEY PASS THE BUCK TO A COLLECTION AGENCY AFTER 9 MONTHS OF NO RESOLUTION AGAINST OUR FORMER LANDLORD.WE DEMAND NOT ONLY AN OFFICIAL APOLOGY FROM THEIR HEAD OFFICE WITH RESPECT TO THIS OBVIOUS DELAY IN RETURNING OUR MONIES OWED AND WE DEMAND INTEREST ON SAID MONIES OWED DUE TO THEIR DELIBERATE ACTIONS IN SENDING OUR MONIES OWED TO A NON ADDRESS. WE ADVISED THEM IN WRITING AT LEAST SIX TIMES OF OUR NEW ADDRESS BEING [redacted], apt. [redacted], in McLean, VA 22102 and after receiving written confirmation of this new address they STILL SENT OUR MONIES OWED SOMEWHERE ELSE. HOW DOES THIS NATIONWIDE STAY IN BUSINESS. AFTER OVER TEN YEARS OF PAYING THIS UNPROFESSIONAL COMPANY OUR MONTHLY PREMIUMS, THIS IS HOW THEY TREAT US.
I received a phone call from Nationwide requesting my golf cart registration. I just sent it and got a response rejecting the claim. Without explaining what is wrong. It appears they have made a decision long before I sent the documentationI request Revdex.com to post my complaint as a service to consumers in [redacted]Many of them have their golf cart under their home owners policy. They do use the golf cart other than going to golf courses.If you recall Nationwide is rejecting my claim because we used golf cart other than going to golf courseI am just trying to make public aware of this clause in Nationwide policyThanks Revdex.com for helping me
Regards,
[redacted]
I did call them and cancel and the motor vehicle dept,and I was never late on any payments to them!
[redacted]
Please accept this letter in response to [redacted]'s concerns related to the dividends on his policy. I hope you find the following information helpful.
Policy...
details
Owner: [redacted]
Insured: [redacted]
Policy number: [redacted]
Case number: ########## found
I've attached copies of the following documents:
· Dividend history
· Copy of Life Contract
Our dividend scale is affected by many factors including mortality experience, investment returns (interest rates) and expenses. To determine the dividend scale, we update these factors based on the actual results of Nationwide. For example, if Nationwide's actual investment returns go down, then the investment return factor in the dividend scale will be reduced. Each year the factors in the dividend scale are updated, and a new dividend scale is determined.
[redacted] selected a primary dividend option of premium reduction with a secondary option of cash. It appears that [redacted]'s complaint refers strictly to the cash portion of his dividends. As shown in the attached dividend history, this policy has continued to earn dividends. However, unfortunately in the last few years our dividend scale has trended down primarily because the company experience for the investment return and expense factors has been less favorable. I've highlighted the dividend provision of the policy on page three, section four of the attached contract pages.
While we sympathize with [redacted]'s concerns, we can't honor his request to use the 1962 dividend scale on his policy as it could be considered discriminatory action.
For help when you need it
If you have any additional questions, please contact me by calling ###-###-####, option #, extension #####
between 9:00 a.m. and 5:30 p.m. Eastern time or by emailing [redacted]
Sincerely,
[redacted]
Nationwide Life Insurance Company
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.
On 2/13/2015, [redacted] purchased a six month insurance policy from the Right Answer Insurance Agency with a paid in full bill plan.
On 2/14/2015 [redacted] was sent her policy document, policy declarations page and ID card. The cancellation during policy period is outlined on page 14 of the policy document provided, subheading 5 of the General Policy Conditions. As stated “the refund will be computed in accordance with the short rate table and procedure, which is the unearned prorate premium X .90.”
On 4/29/2015 [redacted]’s cancellation was processed per her signed request effective 4/30/2015 per the procedures outlined in her policy document. A return of premium check for $141.14 was sent on 5/1/2015 to the address on file.
I trust that I have addressed the issues within [redacted]’s complaint. If I can be of further assistance, please contact me at ###-###-####.
Sincerely,
[redacted]
[redacted]
Thank you for the opportunity to respond to the Revdex.com regarding policy number 6401281 for [redacted] and to address her concerns about the policy. On 11/03/2008, Mrs. [redacted] started a six-month personal auto insurance policy through the [redacted] insurance...
agency. The policy was on a 20% down payment and five installment electronic funds transfer (EFT) bill plan. The policy cancelled effective 05/03/2017 when the renewal payment of $79.68 was not made. On 09/08/2016 a renewal offer was mailed to Mrs. [redacted] advising that a payment of $75.77 would be automatically drafted from her account on 11/03/2016 to start the next six-months of coverage. On 11/03/2016, an EFT payment schedule was mailed to Mrs. [redacted] outlining the next five months of payments, and thanking her for the renewal payment taken. On 04/07/2017, Mrs. [redacted] contacted the member service center regarding the fact that her policy was still active. She advises the Member Care Representative (MCR) that she received a renewal offer despite calling the agent’s office to cancel. The MCR asked if Mrs. [redacted] ever went into the agency or signed a cancellation request. Mrs. [redacted] confirmed that she just called to cancel the policy, and that she never went into the agent’s office or signed a cancellation request. The MCR asks probing questions as to whether Mrs. [redacted] had other coverage at the time, or if she had turned in the plates for the vehicle to show that the coverage was not needed. Mrs. [redacted] advises she has no such documentation, at which point the MCR offers to send her a cancel request to sign, which can be back dated up to 30 days. The MCR also stopped the EFT on that call so no further payments would draft from Mrs. [redacted]’s account. During this call, Mrs. [redacted] is transferred to an Escalation Specialist who reaches out to the [redacted] agency. The Escalation Specialist speaks to agent [redacted] and asks if they have a cancel request on file. [redacted] checks and advises that there is nothing on file, and that if Mrs. [redacted] had called in to cancel she would have been advised to come into the office to sign the request. On 06/16/2017, I spoke with agent [redacted] at the [redacted] agency. She advised that had Mrs. [redacted] called the agency to cancel this policy, they would have asked her to come in and sign a cancellation request. She further advised that Mrs. [redacted] has been in contact with the agency several times in regards to this matter, and has been advised that proof showing the policy was no longer needed would be required to back date the cancellation. The agency has no record of Mrs. [redacted] calling in to cancel her policy. If you require further assistance, please contact me, Charity W[redacted], at ###-###-#### or by email at [redacted]. Sincerely, Jillian J[redacted] Analyst, Process Management
The
policy for [redacted] was renewed on February 12, 2016 for $1,174.62. The previous premium on her policy was
$786.12. There was a general rate
increase that was included in the renewal premium. The member increased the
dwelling coverage by about $10,000. Due to...
the recent claim, the “Claims Free
Discount” was also removed from the policy. All of these factors attributed to the
increased renewal premium.
Please
accept my apologies if you feel that any representative treated you in a manner
that was less then professional.
Please
do not hesitate to contact me, should you have any additional questions.
Sincerely,
Carol
G[redacted]
[redacted]
I have reviewed the follow-up inquiry received from [redacted] regarding his homeowners policyinsured with Depositors lnsurance Company. He is disputing the actions taken within the discoveryperiod of the policy and the additional premium due.Below is a tirneline explaining the activity on Mr. [redacted] policy.December 30, 2015 New business effective date of the policy with our company and coverage bound by the agent.January 6, 2016 Billing statement generated to the insuredJanuary 11, 2016 Protection class of the policy was updated effective December 30, 2015 in order to properly rate the policy for the distance to the fire hydrant. This was done within the "discovery/underwriting period" of the policy.January 20,2016 Exterior inspection was done by the Company vendor. This was the only inspection by the Company. Inspections are not ordered/requested by the Company prior to a submitted/bound policy by the agency.January 30, 2016 Due date of premium billed on January 6, 2016 $120.75January 31, 2016 Inspection was reviewed by the Company and dwelling coverage increased in order to insure the dwelling for full replacement value of the home. This was done effective December 30, 2015 and processed within the "discovery/underwriting period" of the policy.February 4, 2016 Payment of $120.75 (due on January 30, 2016) was received and policy set up on automatic withdrawals for future payments.February 5, 2016 Next bill generated for $177.23 (reflected premium change due to the protection class and dwelling amount change). March 1, 2016 Due date of premium $177.23. The insured requested cancellation effective this date, and the agency stopped the automatic withdrawal for the premium due on this date.As noted in the prior Company response, Michigan lnsurance regulation/statute affords companies aspecified number of days in which to make policy coverage/rating changes and review eligibility of arisk, along with applicable premium adjustments that result from policy coverage/rating changes.The changes made on Mr. [redacted]'s policy were within this discovery/underwriting period. Per theemail provided by the insured in his inquiry, the agency advised Mr. [redacted] that any premiumbalance due or refund would be updated based on the March 1, 2016 cancellation date. Premiumreceived on his policy was not sufficient for the time coverage was provided and resulted in a balancedue to the Company.If you require further assistance, please contact our Customer Relations Coordinator, JoleenS[redacted] at ###-###-#### or by email at [redacted]Sincerely,Gale G[redacted]
Dear [redacted]
Nationwide strives to provide great customer service to all of our customers. I have examined the issues stated by our member and the following response was received from independent contractor agent, [redacted], in regards to the complaint filed by [redacted]. Please note that Mr. [redacted] is not an employee of Nationwide, but an independent contractor responsible for the time, place and manner in which he services Nationwide’s policyholders. The agent’s statement below is his alone, and it does not reflect Nationwide’s policies or procedures. Nationwide will be independently investigating Ms. [redacted]’s complaint against Mr. [redacted].
Our office spoke to this policyholder on December 1, 2014. She informed us she was the owner of the vehicle on policy # [redacted] We wrote a spinoff policy December 2, 2014 with [redacted] as the named insured and the two drivers on the policy were [redacted] and her mother [redacted]. The Application is in DocuVault but it is unsigned. The application was sent to her by email in December of 2014 and again in May of 2014. The policy was written correctly but sometimes when we write a spinoff policy, the named insured while in processing at Nationwide switches back to the named insured on the prior policy. While in Nationwide processing the new policy was placed back in her mother’s name. We are able to correct this but would need the signed application. Ms. [redacted] has still not signed the application to correct the named insured error. Our system reflects that on December 1, 2014 the policy was bound in [redacted]’s name. I have already mentioned this to Nationwide because we have seen this error before. Nationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy). The address on both of these policies is the same. All Declaration Pages have been sent to the [redacted] address. I feel Ms. [redacted] is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident. We only need the signed application returned to us in order to place [redacted] as the named Insured on the policy.
Ms. [redacted] has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a 2004 Cadillac. She replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicle. She never had rental coverage on the prior policy [redacted] and it was not put on the new spinoff policy [redacted]. There were never any notes or questions about rental coverage. Ms. [redacted] has received all Declaration Pages and no rental coverage is listed. No communication was made with our office after the conversation on December 1, 2014, when her spinoff policy was made effective. Ms. [redacted] has no documentation where she requested this coverage that I am aware of.
If you have any additional questions, please contact me at ###-###-#### or [redacted].
Best Regards,
[redacted]
[redacted]
Centralized Sales Operation and Support
This account is not factual.
I did call and discuss canceling my policy with Nationwide.
I don’t exactly recall the reason why (it might have been because Nationwide
went up on my rates). I did not however tell them I wanted to cancel.
Nationwide took the steps to cancel my direct debit. When I realized what
happened, I called them to let them know. Nationwide did not discover the
error. I informed them of it. At first, Nationwide agreed to reinstate my
account. Then, Nationwide informed me that they were not going to be able to reinstate
my account due to claims and tried to refer me to a secondary service. I fought
them on this because I did not understand the issue. When all was said and
done, I felt as if I were under pressure and had limited time to find another
insurance company. I eventually did. I thought I was done with Nationwide.
Nationwide mentions that I did not contact them between July
2014 and March 2015. The reason being is that I was again under the impression
that my relationship with Nationwide was over. I did not receive anything from
them stating that I owed them money. Nor did I receive a collection notice
until March of 2015. As Nationwide can see, I promptly got in touch with them.
Again, the amount is a very small amount of money and if I would have known I
owed it (which I am still not convinced that I do), I would have paid it. The
issue is not the amount of money. It’s the collection on my credit and the way Nationwide
has handled and or treated me in this process.
To address the claims issue, Nationwide mentions 5 claims. I
think two of them were windshields (which I didn’t realize were that type of claim),
another was a massive hail storm that destroyed the exterior of my car and a 4th
one was a tire that flew off a tractor trailer and hit my car in the front
causing severe damage. The 03/14/2013 claim was an accident that I was charged
for. I hit a car from behind at a low speed after a sudden stop. However, the
other party didn’t show up for court and I was found not guilty. So,
technically, I’m not legally responsible for that claim.
Still, it is true that Nationwide paid out on that claim.
But, I am curious. If Nationwide has the right per state law to cancel my
coverage for a single incident in which a policy holder is at-fault and that
was the reason Nationwide intended to cancel my coverage, why did Nationwide
renew my coverage twice after that? I only sign up for 6 month policies. So, Nationwide
would have had to renew it at least twice since the date of the accident in
which I was at fault. Or… is there another reason that Nationwide intended to
cancel my policy?
It seems as if something isn’t quite right with Nationwide’s
statement or Nationwide’s business practices.
In the end, I was under the impression that Nationwide didn’t
want to do business (which includes accepting my money) with me any longer and
that I needed to make changes as soon as I could. At no point did I think I
still had an obligation to Nationwide and at no point did Nationwide inform me
of said obligation.
I still demand that this be recalled from the collection
agency, deleted from my credit report. In return, I will cut a check to
Nationwide for the $344.60. I will do this despite the fact that I believe
somewhere along the way Nationwide directly targeted me. I believe that Nationwide
felt they were losing money on my account and decided to “make a point.” And I
will do it despite the fact that I don’t believe I owe the money. I would
rather pay the ransom than have my credit ruined for 7 years.
Regards,
[redacted]
I did receive a check on Saturday, October 11th and one from UPS on Tuesday the 14th. I contacted [redacted] at Nationwide today (Wednesday) and confirmed receipt and will shred the 2nd check.
Thank your help
[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]