*** ** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
This letter is in response to the inquiry received from your office on January 7,
Based on our review of the *** *** *** ***) contract provided with your most recent correspondence, we find that we can extend coverage for the repair/replacement of the non functioning air conditioning unit
The *** contract states that the home warranty policy would cover the repair/replacement of the air conditioning unit, event if the breakdown in the equipment was due to wear, tear, and/or deterioration
Given the fact that our agent sold the Equipment Breakdown endorsement to *** *** with the understanding that the endorsement would provide comparable coverage to the coverage afforded by the home warranty policy, we are extending coverage for the necessary repair or replacement of the non functioning air conditioning unit
We will be contacting *** *** immediately to advise her of the extension of coverage and determine the cost to repair or replace the air conditioning unit
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext##### or by email at ***
Sincerely,
*** ***
*** ***
Western Claims Zone
Allied Property & Casualty Insurance Company
Phone: ###-###-####
Email Address: ***
The irresponsibility of Nationwide's insured exacerbated a permanent disability back injury which I inccurred in while working at *** *** *** ***My treating physician, *** *** was also the same treating physician for that injury. *** *** agrees that a new injury happened to the same area of my spine and he treated the injuryNationwide is fully aware of this informationNationwide used a "cookie cutter" method of deciding by "office policy" the extent and "nature" of my injury as opposed to a true medical findingI asked that a QME (Qualified Medical Examination" be performed in the very infantile stages of the matter and I was rejectedThe examination was to be performed by a third neutral party physician with no connection to either side to determine the extent of my injuriesnation wide rejected this idea-still sticking to "office policy" that I could not "possibly" have been hurt more than their program allows for an accident of that "magnitude"I was offered $for a settlement as prescribed by their "guidelines" for allowable funding, and my mileage, tolls and doctor visits, and more importantly time missed from work due to the negligence of the insuredMy injury to my left thumb never was treated due to the insistence by *** *** that the policy "wouldn't allow" for treatment of that injury based upon "policy limits"That alone is a misuse of the desk of a claims examinerThe settlement offer is extremely low for the pain and suffering that I have endured at the hands of nationwide and their insured and respectfully I decline that offering and I refuse to believe that I have been treated as an individual-but more like a "dishonest" product on an assembly lineI ask that nationwide honor the professional medical opinion given by my doctor, and adjust their offer accordinglyNationwide has not offered compensation commensurate to my injury claim and has not sought or agreed upon an exploratory examination to provide both sides with professional evidential proofSince Nationwide has no other proof than their stance on the "amount of injury expected for an accident of that nature" they are not allowing room for the CONCRETE evidence that they have been offered, or my treating chiropractic has offered. Nationwide was given the name address and particulars of the *** Workers' Compensation Appeals Board as well as my prior WCAP case number for the injury of They also are in contact with *** *** who treated me for both casesI have offered proof-Nationwide has offered "policy limitations" Regards,
*** ***
I would like to let you know what is happening with *** insurance *** *** from *** contacted me via phone and said he needs to see my car He did come to my home on Monday December at approximatedly 10AM He took pictures of the car, under the hood and outside of the car He them asked if I had the bill of sale for the vehicle and I provded him with the original bill and he took pictures of it He said *** would get in touch with me , probably by Tuesday, Dec 23rd Meanwhile when he left I visited *** *** Subaru in Kingston PA and spoke with *** ***, Sales consultant (###-###-####) I told him I wanted to trade in my Legacy Premium for another premium I told him about the accident He spoke with his general manager for quite a while and when he came back to me, he stated that when they entered the VIN in Carfax it came back as Major Damage He told me because of that accident and Carfax report, my car's value is extremely diminished I asked him the worth of my car and he stated that because of the accident , my car is worth $17,ooo in a trade If there was no accident, the depreciation would be only $ Again, I was devestated! My car's sticker price was $26,and after trade in and discount I paid $25,plus Tax of $1002.18.On Tuesday December 23, 2104, *** from *** called me at approximately 1:40pm She stated that *** would give me 10% off what I paid for the car or $ I told her what Mr *** stated to me about the diminished value at *** *** Subaru and she asked for his name and phone number which I gave her She told me she would contact him and call me the next day Today is Friday, December 26, and I have not heard from *** or *** I believe *** should reimburse me for the diminshed value of my car which is approximately $ Their insured, *** ***, was at fault and they should be liable for the diminished value of my brand new Legacy premium which I only owned for days when Mr *** ran a red light and hit my car which sustained heavy front end damage I would greatly appreciate your help in expediting this settlement
Thank you for your recent inquiryAs Underwriting Specialist, I have reviewed *** ***’s policy file and would like to address the concernIf I do not provide the information you need for this matter, please do not hesitate to let me know.*** *** has a personal lines homeowners
policy.The concern regarding the non-renewalThis homeowner policy was underwritten through Nationwide Property & Casualty Insurance Company in and has had the following claims reported:10-15-Water damage from face nails at the top of the dormer over an upstairs bedroom, a leak on the front porch that has a 2/pitch slope and no modification to the shingles to allow for the slow drain of waterThis claim was denied due to improper installation$paid4-4-Water stains on bedroom ceiling $paid1-8-Frozen pipes / damaged floor $7,paid4-5-Ceiling water damage with claim closed $paidClaims frequency is regularly reviewed to evaluate the viability of an involved policyIt is Nationwide's goal to provide a high quality product at a competitive costLoss costs and claims frequency are significant factors in that equationAn important consideration in the evaluation of claims frequency is how it can predict future losses.The four (4) claims reported on this policy in three years represented an adverse trendThe similar nature of the three of the reported claims was a relevant factor in Nationwide's decision to nonrenew this policy.Based on my review, this non-renewal was properly handledWe strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***Sincerely,*** *** ***Nationwide###-###-####***
Please let them know that I will be following up on this matterThis seems to be a policy of getting unsuspecting new clients, collecting a substantual premium, then cancelling their policy
*** ***' has not received any correspondence from the *** State Office of the Insurance Commissioner from *** *** nor, has any response regarding the diminished value based on the devaluation of *** ***' vehicle after Nationwide's client caused an accident onto *** ***' vehicle has been considered by Nationwide*** ***' vehicle is not worth as much based on resale value since it now has a compromised Carfax report*** ***' was not made whole in this situation*** ***' has over years of experience in car sales and as an Internet Used Car Sales Manager which duties included appraising vehicles*** ***' expertise is considered evidence
Thank you for your recent inquiry regarding a complaint you received from *** ***As Commercial Casualty Claims Manager, I have reviewed this claim file and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let
me know.Our insured carries a Premier Businessowners Liability policy that was active on this date of lossOn February 24, 2015, Nationwide received a liability claim for investigation in which it is alleged that on or about February 17, 2015, *** *** fell in our insured’s parking lot in *** due to a major snow event in the areaHe indicated he sustained an injury in the accident, but did not seek any medical attention and that he had missed time from work.The concern regarding the settlementDuring the investigation it was determined that between February and approximately or more inches of snow fell in *** *** **A State of Emergency was declared*** *** indicated that he left the hotel between 3:PM and 4:PM to eat dinner and, upon returning to the hotel, was walking in the parking lot and fell*** *** had full knowledge of the weather conditions in the area at the time of his fall.When the snow event occurred our insured began working to hire someone to clear the parking lot of snowThey were able to find a company to complete the snow removal the evening of February They were unable to get anyone out to the property earlier that day as this amount of snow is not a common occurrence in ** and there are only a few companies that do this type work.Upon completion of our investigation, we determined that our insured was not liable for this incidentWe have advised *** *** of our liability decisionIn addition, we have advised him that, as he did not seek any medical treatment after the fall, he has no information to support he sustained an injury or that any lost time from work was warrantedHowever, as a compromise of a doubtful and disputed claim we offered to resolve his claim for $*** *** refused our settlement offerIt is our position that this is a fair resolution to this claim and we will be making no further offers.Should *** *** have any additional information that he feels may affect our decision he is free to forward that information to us for review.Based on my review, this claim was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***If you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***.Sincerely,*** *** *** ***Nationwide###-###-####***
Dear *** ***Thank you for contacting Nationwide Bank regarding an expected refund to your debitcard account in the amount of $from *** ***.We conducted research and verified that your debit card account was refunded three (3)separate entries in the amount of $9.74, as you were
expectingNationwide Bank didnot receive the refund in the amount of $129.00, therefore was not credited to youraccount.During the telephone conversation I had with you on April 8, 2015, I advised that adispute could not be made for the $due to the purchase of the product beingoutside the days timeframe, which is governed by the federal regulation.Due to your strong relationship with Nationwide Bank since 1980, and in good faith, a$credit was made to your account on April 9, 2015.At the conclusion of our conversation, you stated that you were satisfied with theresolution that was provided by Nationwide Bank.We value your business and we can be of any further assistance, please contact me at###-###-####, Monday - Friday, 8:AM - 3:PM, EST.Thank you.Sincerely,*** *** ***, Nationwide Bank***
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** ***
Thank you for the opportunity to respond to
the Revdex.com regarding policy
number ##### for *** *** and to address his concerns about the policy
On 03/06/2012, *** *** purchased a twelve month insurance policy from Agent’s
Choice Incwith a bill plan of 8.37% down and installments with an electronic funds
transfer (EFT)*** ***’s policy last renewed into the term beginning 03/06/
when the renewal offer was accepted with the renewal down payment in the amount of
$on 03/07/
On 03/09/a risk alert was received indicating *** *** was living in the
householdOn 04/09/the risk alert was processed and an underwriting letter was
mailed stating *** would need to be rated or excluded on the policyOn
05/13/no exclusion was received, *** was added to policy effective
03/09/causing a premium increase of $1136.00, an underwriting letter was issued
advising why *** was added and a revised EFT payment schedule and policy
declarations were mailed
On 10/01/*** *** called the service center to question why the monthly
payments had increased and was advised *** *** was added to the policy per the notices that were mailedThe service center representative emailed an exclusion form to *** *** to sign electronicallyOn 10/08/the signed exclusion form was processed and *** was excluded from the policy effective the 10/01/date stated on the document
If *** *** wishes to receive a full refund of premium a signed exclusion form with an
effective date of 03/09/is requiredI have attached a blank exclusion form to this
document for *** ***’s convenienceIf the exclusion form is returned with the
effective date of 03/09/*** *** will receive a policy credit of $and his
remaining installments would be adjusted to reflect the change
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***
Thank you for your recent inquiry regarding a complaint you received from Ms*** *** regarding a loss on September 17, on the above referenced policyI have carefully reviewed the appropriate file(s) and provide my findings below:Nationwide Mutual Fire Insurance Company is dealing with
Ms*** in a professional and courteous manner Our investigation is ongoing Additional information from Ms*** is required to move the claim to its conclusion This information has not yet been received.We have been responding to Ms*** as quickly as possible and have paid all claim benefits that have been verified to date. Additionally, the name and contact information of my manager has been provided to her. If you have any further questions, feel free to contact me at ###-###-####.Sincerely,Ronald H*** *** *** ***Nationwide Mutual Fire Insurance Company
Thank you for your recent inquiry regarding a complaint you received from Joseph BrogerAs Personal Lines Underwriting Specialist for central *** I have reviewed this file and would like to address *** ***’s inquiryIf we do not provide the information you need for this matter,
please do not hesitate to let me know
*** *** has a personal lines homeowners policy
The concern regarding the policy non-renewal
A renewal inspection was completed on the insured location of *** *** *** *** *** *** ***At the time of the inspection, there was an inoperable vehicle on the residence premisesThis vehicle poses an increased liability concern at the insured locationThe policy was set to non-renew due to this hazard and, at the time of review, it was also noted this home is in a protection fire district and that the home does not have a central station burglar or fire alarm
The August 29, company generated non-renewal notice sent by us was not attempting to require the insured to obtain an alarm or to place their auto policy with NationwideIn *** combined sales can be required to write or continue coverageIt was our intent to non-renew coverage at 12:AM on 10-28-with no remedy option offeredWorking with the insured to attempt to continue coverage, the agency had previously requested the insured remove the vehicle and pursued writing a supporting auto and addressing the need for an alarm systemThe non renewal for this file did not request the auto be placed with Nationwide as part of a remedy to continue coverage
If the insured will provide updated photos showing the vehicle has been removed, the file can be reviewed for reconsideration for this termThe supporting auto will need to be placed with Nationwide by August of
Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** ***, Office of Customer Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,
*** ***
*** ***
Nationwide Mutual Insurance Company
###-###-####
***
I have not heard from *** within the days Ms *** did leave me a message on Friday January 9, at 7:29pm, stating that she would get back to me I have not heard from herIt is the 10th day today I thought I would get another opinion so I did visit another dealership (*** Subaru in Hazleton PA on December I also asked for a value on my car Mr *** *** was the salesman He had the mechanics check my car, while he got a Carfax report After the exam of car and Carfax report, he gave me a determination that my car was valued at $16,because of the accident That is a $10,loss to me because of the accident which was the fault of Mr *** *** insured by *** I sent the written determination to Ms *** at *** .Meanwhile, I have had some problems with the vehicle I had to take it back to *** *** Auto Body shop as the AC was not working There was also a very strong burning smell coming from car and also the brakes were not right , they were low The repairman charged the AC, They also thought the burning smell was from a hole in a hose, which they repaired Lastly, they bled the brakes Yesterday, I started having problems with the brakes again so today I need to take my car to *** *** Subaru Service and they will check them It seems that the car does not stop unless I press hard on the brakes I do not feel safe in this car The frame rails were severely bent and needed to be cut and new frame rails sautered on the frame Both dealerships advised me that because of the accident, if that engine was jostled in any way, there could be big problems down the road with my vehicle I am retired and living on a limited income so this presents a great hardship for me to purchase another vehicle Because of the diminished value of my car due to the accident , I feel justified in asking for $from *** insurance
1,Not all my personal belongings were forwarded..2, the refurbishment that was made on my property was $70003, nationwide stopped my rental Reimbursment
Regards,
*** ***
*** *** ** ** *** *** *** ** * *** *** *** *** ** * *** *** *** *** *** *** *** ** ** *** ** *** *** *** *** ** *** *** ***
*** ***
* ** *** ***
That's my exact pointThe changes were made on 7/and yet they didn't even attempt to tell me there would be fees until 8/(which again I didn't receive) They ne knew by their own admission by 8/that I was canceling the policy
It's unethical to tell someone over weeks later that they are being charged for somethingI had no way to know there would be fees and if I had known I would have told them to forget it in the first placeWhen you purchase something you are told what the fees areYou don't get told more than weeks laterInstead you are told at the time there are fees and given the opportunity to decide if you still want the service
It's completely unethical to wait for more than weeks to tell me there would be additional fees involvedThey could have called me and told me there would be fees and asked if I still wanted the serviceInstead they wait more than weeks to send out a notice that I didn't get until my service was already canceled
That's completely unethical
Regards,
*** ***
Thank you for your recent inquiry with additional information regarding a complaint you received from *** ***
We had received an inquiry from the ** DOI as well as from you and, while answering their inquiry, received the same photo from *** ***rThe photo was accepted and the policy renewed for The response to the ** DOI is being submitted today with the following information as part of the response
…However, on October an exception was offered by Nationwide to continue coverage if the insured would provide updated photos showing the vehicle had been removed and requiring the supporting auto be placed with us by August of On October 24, a photo was received showing the vehicle removed and a request was submitted to processing to issue the renewal…
We trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** ***, Office of Customer Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,
*** ***
*** ***
Nationwide Mutual Insurance Company
###-###-####
***
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ***
Thank you for the opportunity to respond to the Revdex.com regarding
policy
number ##### for *** *** and to address his concerns about the policy
On 08/15/2014, *** *** purchased a six month insurance policy online from
Nationwide.com with a bill plan of 20% down and installments
On 08/29/a Notice of Installment Due was mailed with an amount due of $
and a stated due date of 09/15/On 09/15/no payment was received and a
Cancellation/Notice of Payment due was mailed with a stated cancellation date of
10/03/On 10/03/no payment was received and the policy cancelled per the
09/15/noticeThere is a current balance due of $for the coverage provided
on the policy until 10/03/
*** *** quoted his own policy online and selected his own bill planAt no point in
time was he advised that he was on an automatic withdrawal and his signed application
states the payment plan selected was 20% Down InstallmentsAll documents were
mailed to *** *** at the address provided on his application; *** *** ***
*** ** ***
Please see attached proof of mailing for the 09/15/
Cancellation/Notice of Payment Due
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me I need to know the correct fax number and who I should send the updated Exclusion form intoOr how to get this blank Exclusion form back to insurance company.
Regards,
*** ***
They are lyingThey already said they got my cancelation request on 8/even though I faxed it 8/and they said they didn't send written notice until 8/which I never receivedI called as soon as I got written notice, which was in SeptWhen you buy something you are told at that time that you'll be charged and how much, not weeks laterYou don't tell someone at the time that there are no fees and then later tell them there are
And that bit about you have to rate them is **Allstate didn't rate my son and when my older son had his permit esurance didn't rate him so no you don't have to rate him and based on my previous experience I had no reason to think you would rate him
Regards,
*** ***
*** ** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** *** ***
*** *** ***
*** *** ***
This letter is in response to the inquiry received from your office on January 7,
Based on our review of the *** *** *** ***) contract provided with your most recent correspondence, we find that we can extend coverage for the repair/replacement of the non functioning air conditioning unit
The *** contract states that the home warranty policy would cover the repair/replacement of the air conditioning unit, event if the breakdown in the equipment was due to wear, tear, and/or deterioration
Given the fact that our agent sold the Equipment Breakdown endorsement to *** *** with the understanding that the endorsement would provide comparable coverage to the coverage afforded by the home warranty policy, we are extending coverage for the necessary repair or replacement of the non functioning air conditioning unit
We will be contacting *** *** immediately to advise her of the extension of coverage and determine the cost to repair or replace the air conditioning unit
If you require further assistance in this matter, please contact our Customer Relations Coordinator, *** ***, toll-free at ###-###-####, Ext##### or by email at ***
Sincerely,
*** ***
*** ***
Western Claims Zone
Allied Property & Casualty Insurance Company
Phone: ###-###-####
Email Address: ***
Thank you
The irresponsibility of Nationwide's insured exacerbated a permanent disability back injury which I inccurred in while working at *** *** *** ***My treating physician, *** *** was also the same treating physician for that injury. *** *** agrees that a new injury happened to the same area of my spine and he treated the injuryNationwide is fully aware of this informationNationwide used a "cookie cutter" method of deciding by "office policy" the extent and "nature" of my injury as opposed to a true medical findingI asked that a QME (Qualified Medical Examination" be performed in the very infantile stages of the matter and I was rejectedThe examination was to be performed by a third neutral party physician with no connection to either side to determine the extent of my injuriesnation wide rejected this idea-still sticking to "office policy" that I could not "possibly" have been hurt more than their program allows for an accident of that "magnitude"I was offered $for a settlement as prescribed by their "guidelines" for allowable funding, and my mileage, tolls and doctor visits, and more importantly time missed from work due to the negligence of the insuredMy injury to my left thumb never was treated due to the insistence by *** *** that the policy "wouldn't allow" for treatment of that injury based upon "policy limits"That alone is a misuse of the desk of a claims examinerThe settlement offer is extremely low for the pain and suffering that I have endured at the hands of nationwide and their insured and respectfully I decline that offering and I refuse to believe that I have been treated as an individual-but more like a "dishonest" product on an assembly lineI ask that nationwide honor the professional medical opinion given by my doctor, and adjust their offer accordinglyNationwide has not offered compensation commensurate to my injury claim and has not sought or agreed upon an exploratory examination to provide both sides with professional evidential proofSince Nationwide has no other proof than their stance on the "amount of injury expected for an accident of that nature" they are not allowing room for the CONCRETE evidence that they have been offered, or my treating chiropractic has offered. Nationwide was given the name address and particulars of the *** Workers' Compensation Appeals Board as well as my prior WCAP case number for the injury of They also are in contact with *** *** who treated me for both casesI have offered proof-Nationwide has offered "policy limitations" Regards,
*** ***
I would like to let you know what is happening with *** insurance *** *** from *** contacted me via phone and said he needs to see my car He did come to my home on Monday December at approximatedly 10AM He took pictures of the car, under the hood and outside of the car He them asked if I had the bill of sale for the vehicle and I provded him with the original bill and he took pictures of it He said *** would get in touch with me , probably by Tuesday, Dec 23rd Meanwhile when he left I visited *** *** Subaru in Kingston PA and spoke with *** ***, Sales consultant (###-###-####) I told him I wanted to trade in my Legacy Premium for another premium I told him about the accident He spoke with his general manager for quite a while and when he came back to me, he stated that when they entered the VIN in Carfax it came back as Major Damage He told me because of that accident and Carfax report, my car's value is extremely diminished I asked him the worth of my car and he stated that because of the accident , my car is worth $17,ooo in a trade If there was no accident, the depreciation would be only $ Again, I was devestated! My car's sticker price was $26,and after trade in and discount I paid $25,plus Tax of $1002.18.On Tuesday December 23, 2104, *** from *** called me at approximately 1:40pm She stated that *** would give me 10% off what I paid for the car or $ I told her what Mr *** stated to me about the diminished value at *** *** Subaru and she asked for his name and phone number which I gave her She told me she would contact him and call me the next day Today is Friday, December 26, and I have not heard from *** or *** I believe *** should reimburse me for the diminshed value of my car which is approximately $ Their insured, *** ***, was at fault and they should be liable for the diminished value of my brand new Legacy premium which I only owned for days when Mr *** ran a red light and hit my car which sustained heavy front end damage I would greatly appreciate your help in expediting this settlement
Thank you for your recent inquiryAs Underwriting Specialist, I have reviewed *** ***’s policy file and would like to address the concernIf I do not provide the information you need for this matter, please do not hesitate to let me know.*** *** has a personal lines homeowners
policy.The concern regarding the non-renewalThis homeowner policy was underwritten through Nationwide Property & Casualty Insurance Company in and has had the following claims reported:10-15-Water damage from face nails at the top of the dormer over an upstairs bedroom, a leak on the front porch that has a 2/pitch slope and no modification to the shingles to allow for the slow drain of waterThis claim was denied due to improper installation$paid4-4-Water stains on bedroom ceiling $paid1-8-Frozen pipes / damaged floor $7,paid4-5-Ceiling water damage with claim closed $paidClaims frequency is regularly reviewed to evaluate the viability of an involved policyIt is Nationwide's goal to provide a high quality product at a competitive costLoss costs and claims frequency are significant factors in that equationAn important consideration in the evaluation of claims frequency is how it can predict future losses.The four (4) claims reported on this policy in three years represented an adverse trendThe similar nature of the three of the reported claims was a relevant factor in Nationwide's decision to nonrenew this policy.Based on my review, this non-renewal was properly handledWe strive to meet our customer’s needs, but understand that sometimes we are unable to do soIf you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***Sincerely,*** *** ***Nationwide###-###-####***
Please let them know that I will be following up on this matterThis seems to be a policy of getting unsuspecting new clients, collecting a substantual premium, then cancelling their policy
*** ***' has not received any correspondence from the *** State Office of the Insurance Commissioner from *** *** nor, has any response regarding the diminished value based on the devaluation of *** ***' vehicle after Nationwide's client caused an accident onto *** ***' vehicle has been considered by Nationwide*** ***' vehicle is not worth as much based on resale value since it now has a compromised Carfax report*** ***' was not made whole in this situation*** ***' has over years of experience in car sales and as an Internet Used Car Sales Manager which duties included appraising vehicles*** ***' expertise is considered evidence
Thank you for your recent inquiry regarding a complaint you received from *** ***As Commercial Casualty Claims Manager, I have reviewed this claim file and would like to address *** ***’s concernsIf I do not provide the information you need for this matter, please do not hesitate to let
me know.Our insured carries a Premier Businessowners Liability policy that was active on this date of lossOn February 24, 2015, Nationwide received a liability claim for investigation in which it is alleged that on or about February 17, 2015, *** *** fell in our insured’s parking lot in *** due to a major snow event in the areaHe indicated he sustained an injury in the accident, but did not seek any medical attention and that he had missed time from work.The concern regarding the settlementDuring the investigation it was determined that between February and approximately or more inches of snow fell in *** *** **A State of Emergency was declared*** *** indicated that he left the hotel between 3:PM and 4:PM to eat dinner and, upon returning to the hotel, was walking in the parking lot and fell*** *** had full knowledge of the weather conditions in the area at the time of his fall.When the snow event occurred our insured began working to hire someone to clear the parking lot of snowThey were able to find a company to complete the snow removal the evening of February They were unable to get anyone out to the property earlier that day as this amount of snow is not a common occurrence in ** and there are only a few companies that do this type work.Upon completion of our investigation, we determined that our insured was not liable for this incidentWe have advised *** *** of our liability decisionIn addition, we have advised him that, as he did not seek any medical treatment after the fall, he has no information to support he sustained an injury or that any lost time from work was warrantedHowever, as a compromise of a doubtful and disputed claim we offered to resolve his claim for $*** *** refused our settlement offerIt is our position that this is a fair resolution to this claim and we will be making no further offers.Should *** *** have any additional information that he feels may affect our decision he is free to forward that information to us for review.Based on my review, this claim was properly handledHowever, I am sorry that the outcome was not satisfactory to *** ***If you should have any questions or wish to discuss the matter further, please feel free to contact *** ***, Office of Customer Advocacy Complaint Coordinator at ###-###-#### or email her at ***.Sincerely,*** *** *** ***Nationwide###-###-####***
Dear *** ***Thank you for contacting Nationwide Bank regarding an expected refund to your debitcard account in the amount of $from *** ***.We conducted research and verified that your debit card account was refunded three (3)separate entries in the amount of $9.74, as you were
expectingNationwide Bank didnot receive the refund in the amount of $129.00, therefore was not credited to youraccount.During the telephone conversation I had with you on April 8, 2015, I advised that adispute could not be made for the $due to the purchase of the product beingoutside the days timeframe, which is governed by the federal regulation.Due to your strong relationship with Nationwide Bank since 1980, and in good faith, a$credit was made to your account on April 9, 2015.At the conclusion of our conversation, you stated that you were satisfied with theresolution that was provided by Nationwide Bank.We value your business and we can be of any further assistance, please contact me at###-###-####, Monday - Friday, 8:AM - 3:PM, EST.Thank you.Sincerely,*** *** ***, Nationwide Bank***
Nationwide will need to address all my concerns and requestsIf not I will have to take further actions regarding this matter. Thank you,
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** ***
Thank you for the opportunity to respond to
the Revdex.com regarding policy
number ##### for *** *** and to address his concerns about the policy
On 03/06/2012, *** *** purchased a twelve month insurance policy from Agent’s
Choice Incwith a bill plan of 8.37% down and installments with an electronic funds
transfer (EFT)*** ***’s policy last renewed into the term beginning 03/06/
when the renewal offer was accepted with the renewal down payment in the amount of
$on 03/07/
On 03/09/a risk alert was received indicating *** *** was living in the
householdOn 04/09/the risk alert was processed and an underwriting letter was
mailed stating *** would need to be rated or excluded on the policyOn
05/13/no exclusion was received, *** was added to policy effective
03/09/causing a premium increase of $1136.00, an underwriting letter was issued
advising why *** was added and a revised EFT payment schedule and policy
declarations were mailed
On 10/01/*** *** called the service center to question why the monthly
payments had increased and was advised *** *** was added to the policy per the notices that were mailedThe service center representative emailed an exclusion form to *** *** to sign electronicallyOn 10/08/the signed exclusion form was processed and *** was excluded from the policy effective the 10/01/date stated on the document
If *** *** wishes to receive a full refund of premium a signed exclusion form with an
effective date of 03/09/is requiredI have attached a blank exclusion form to this
document for *** ***’s convenienceIf the exclusion form is returned with the
effective date of 03/09/*** *** will receive a policy credit of $and his
remaining installments would be adjusted to reflect the change
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***
Thank you for your recent inquiry regarding a complaint you received from Ms*** *** regarding a loss on September 17, on the above referenced policyI have carefully reviewed the appropriate file(s) and provide my findings below:Nationwide Mutual Fire Insurance Company is dealing with
Ms*** in a professional and courteous manner Our investigation is ongoing Additional information from Ms*** is required to move the claim to its conclusion This information has not yet been received.We have been responding to Ms*** as quickly as possible and have paid all claim benefits that have been verified to date. Additionally, the name and contact information of my manager has been provided to her. If you have any further questions, feel free to contact me at ###-###-####.Sincerely,Ronald H*** *** *** ***Nationwide Mutual Fire Insurance Company
Thank you for your recent inquiry regarding a complaint you received from Joseph BrogerAs Personal Lines Underwriting Specialist for central *** I have reviewed this file and would like to address *** ***’s inquiryIf we do not provide the information you need for this matter,
please do not hesitate to let me know
*** *** has a personal lines homeowners policy
The concern regarding the policy non-renewal
A renewal inspection was completed on the insured location of *** *** *** *** *** *** ***At the time of the inspection, there was an inoperable vehicle on the residence premisesThis vehicle poses an increased liability concern at the insured locationThe policy was set to non-renew due to this hazard and, at the time of review, it was also noted this home is in a protection fire district and that the home does not have a central station burglar or fire alarm
The August 29, company generated non-renewal notice sent by us was not attempting to require the insured to obtain an alarm or to place their auto policy with NationwideIn *** combined sales can be required to write or continue coverageIt was our intent to non-renew coverage at 12:AM on 10-28-with no remedy option offeredWorking with the insured to attempt to continue coverage, the agency had previously requested the insured remove the vehicle and pursued writing a supporting auto and addressing the need for an alarm systemThe non renewal for this file did not request the auto be placed with Nationwide as part of a remedy to continue coverage
If the insured will provide updated photos showing the vehicle has been removed, the file can be reviewed for reconsideration for this termThe supporting auto will need to be placed with Nationwide by August of
Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** ***, Office of Customer Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,
*** ***
*** ***
Nationwide Mutual Insurance Company
###-###-####
***
I have not heard from *** within the days Ms *** did leave me a message on Friday January 9, at 7:29pm, stating that she would get back to me I have not heard from herIt is the 10th day today I thought I would get another opinion so I did visit another dealership (*** Subaru in Hazleton PA on December I also asked for a value on my car Mr *** *** was the salesman He had the mechanics check my car, while he got a Carfax report After the exam of car and Carfax report, he gave me a determination that my car was valued at $16,because of the accident That is a $10,loss to me because of the accident which was the fault of Mr *** *** insured by *** I sent the written determination to Ms *** at *** .Meanwhile, I have had some problems with the vehicle I had to take it back to *** *** Auto Body shop as the AC was not working There was also a very strong burning smell coming from car and also the brakes were not right , they were low The repairman charged the AC, They also thought the burning smell was from a hole in a hose, which they repaired Lastly, they bled the brakes Yesterday, I started having problems with the brakes again so today I need to take my car to *** *** Subaru Service and they will check them It seems that the car does not stop unless I press hard on the brakes I do not feel safe in this car The frame rails were severely bent and needed to be cut and new frame rails sautered on the frame Both dealerships advised me that because of the accident, if that engine was jostled in any way, there could be big problems down the road with my vehicle I am retired and living on a limited income so this presents a great hardship for me to purchase another vehicle Because of the diminished value of my car due to the accident , I feel justified in asking for $from *** insurance
1,Not all my personal belongings were forwarded..2, the refurbishment that was made on my property was $70003, nationwide stopped my rental Reimbursment
Regards,
*** ***
*** *** ** ** *** *** *** ** * *** *** *** *** ** * *** *** *** *** *** *** *** ** ** *** ** *** *** *** *** ** *** *** ***
*** ***
* ** *** ***
That's my exact pointThe changes were made on 7/and yet they didn't even attempt to tell me there would be fees until 8/(which again I didn't receive) They ne knew by their own admission by 8/that I was canceling the policy
It's unethical to tell someone over weeks later that they are being charged for somethingI had no way to know there would be fees and if I had known I would have told them to forget it in the first placeWhen you purchase something you are told what the fees areYou don't get told more than weeks laterInstead you are told at the time there are fees and given the opportunity to decide if you still want the service
It's completely unethical to wait for more than weeks to tell me there would be additional fees involvedThey could have called me and told me there would be fees and asked if I still wanted the serviceInstead they wait more than weeks to send out a notice that I didn't get until my service was already canceled
That's completely unethical
Regards,
*** ***
Thank you for your recent inquiry with additional information regarding a complaint you received from *** ***
We had received an inquiry from the ** DOI as well as from you and, while answering their inquiry, received the same photo from *** ***rThe photo was accepted and the policy renewed for The response to the ** DOI is being submitted today with the following information as part of the response
…However, on October an exception was offered by Nationwide to continue coverage if the insured would provide updated photos showing the vehicle had been removed and requiring the supporting auto be placed with us by August of On October 24, a photo was received showing the vehicle removed and a request was submitted to processing to issue the renewal…
We trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** ***, Office of Customer Complaint Coordinator at ###-###-#### or email her at ***
Sincerely,
*** ***
*** ***
Nationwide Mutual Insurance Company
###-###-####
***
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** *** ** ***
*** *** ***
Thank you for the opportunity to respond to the Revdex.com regarding
policy
number ##### for *** *** and to address his concerns about the policy
On 08/15/2014, *** *** purchased a six month insurance policy online from
Nationwide.com with a bill plan of 20% down and installments
On 08/29/a Notice of Installment Due was mailed with an amount due of $
and a stated due date of 09/15/On 09/15/no payment was received and a
Cancellation/Notice of Payment due was mailed with a stated cancellation date of
10/03/On 10/03/no payment was received and the policy cancelled per the
09/15/noticeThere is a current balance due of $for the coverage provided
on the policy until 10/03/
*** *** quoted his own policy online and selected his own bill planAt no point in
time was he advised that he was on an automatic withdrawal and his signed application
states the payment plan selected was 20% Down InstallmentsAll documents were
mailed to *** *** at the address provided on his application; *** *** ***
*** ** ***
Please see attached proof of mailing for the 09/15/
Cancellation/Notice of Payment Due
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
I have reviewed the response made by the business in reference to complaint ID #####, and find that this resolution is satisfactory to me I need to know the correct fax number and who I should send the updated Exclusion form intoOr how to get this blank Exclusion form back to insurance company.
Regards,
*** ***
They are lyingThey already said they got my cancelation request on 8/even though I faxed it 8/and they said they didn't send written notice until 8/which I never receivedI called as soon as I got written notice, which was in SeptWhen you buy something you are told at that time that you'll be charged and how much, not weeks laterYou don't tell someone at the time that there are no fees and then later tell them there are
And that bit about you have to rate them is **Allstate didn't rate my son and when my older son had his permit esurance didn't rate him so no you don't have to rate him and based on my previous experience I had no reason to think you would rate him
Regards,
*** ***