The auto policy increased $60.20 at the February 15, 2016 renewal. The increase is a result of a territory base rate adjustment, filed before the Maryland Insurance Administration, effective January 1, 2016. Rate adjustments are not reflective of anything a member specifically does, but rather a...
decision based on the insurance data we receive for the entire territory. Territory base rate increases are typically a result of increased claims in the area in addition to the increasing cost of medical treatment and repairs. We certainly understand and share the insured's concerns regarding premium increases. We have done our best to control expenses, and be fair and equitable on claim payments. Our objective is to provide the best possible products and services at the lowest possible price that we can while maintaining our claims and customer service that is expected from Nationwide. The Company cannot adjust the premium as the insured requested. The Company's rating structure is filed with the state and we are required to apply our rates uniformly and consistently. However, the Company continually develops new programs and discounts which may reduce the insured's premium. I recommend that the insured contact her Nationwide Insurance agent to complete an “On your side” care review to verify she is receiving all the benefits and lowest premium that Nationwide Insurance has to offer. Thank you, Shari D[redacted] Compliance Consultant Nationwide Insurance Company
This is the reply to the below message from Titan Insurance.I sent a faxed letter stating that the reason my policy needed to be canceled was because I no longer had an automobile. I will find the faxed letter to show that. Another automobile was given to me a few days latter and I decided to switch companies. There was nothing owed to Titan - I don't care how [redacted] choses to say it. I will provide the letter of cancelation and explanation. Titan is a rotten company. I am not happy with [redacted]'s solution to the issue. Respectfully,[redacted]
Thank you for contacting Nationwide. This is a response to the Customer Complaint you filed with our Customer Advocacy Department on April 28, 2015.
Policy [redacted] had the [redacted]...
[redacted] Discount added effective the December 21, 2012 renewal. A Renewal Declarations advising of the [redacted] Discount was mailed to the address on file of [redacted]. Due to the age of the change, we are unable to determine whether the change was made by the Agent of Record or by the Customer Service Center.
In speaking to the [redacted], they confirmed that [redacted] has never been a member of their [redacted] and she has never paid any dues. The representative stated a letter was mailed to the member explaining she was receiving the [redacted] Discount on her Nationwide automobile policy and if she wanted to retain the discount, she would need to become a member or the discount would be removed.
Effective April 20, 2015, the [redacted] Agency removed the [redacted] Discount. The change increased the 6-month premium from $835.40 to $888.70 and increased the unpaid balance by $18.10 for the removal of the discount from April 20, 2015, to June 21, 2015. The premium increase can not be waived as the member does not qualify for the discount since she is not a member of the [redacted]. If [redacted] wishes to apply the [redacted] Discount back to her policy, she will need to become a member of the [redacted] is welcome to contact her local [redacted], at ###-###-####, to discuss the information on file. Please keep in mind, [redacted] membership payments are not a part of Nationwide policy premiums.
Nationwide values our customers and strives to provide you with the service you deserve.
If you require further assistance, please contact Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted]between the hours of 8:00 AM and 4:15 PM.
This letter is in response to your request for information pertaining to the above file.
Our records indicate the Auto policy renewed effective April 4, 2015 as $334.80. We received notice to cancel on May 1, 2015 effective April 28, 2015. The Auto policy was cancelled...
effective April 28, 2015 and a balance of $32.50 remains for coverage.
The total charged for coverage from April 4, 2015 to April 28, 2015 was $80.30. A payment of $63.80 was received on April 1, 2015. There were two $8.00 service fees charged. The total charged of $80.30 plus $16.00 charged in service fees minus $63.80 total payment equals $32.50 charged for coverage provided up to the cancellation date of April 28, 2015.
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at #########*, Ext. [redacted] or my email
We are in receipt of your request for information regarding the above referenced file. Ms. [redacted] states that she did not give authorization for our agent to start a policy for her pet. She is requesting a full refund for premium collected from her paycheck.Ms. [redacted] applied for the Major Medical...
Plan with a $250.00 annual deductible and a Pet Wellness Basic Rider for her dog [redacted] on December 8, 2015. The application was approved with an effective date of January 1, 2016.On January 19, 2016 Ms. [redacted] called our Customer Care department and said she had been enrolled without her consent. Her policy was cancelled effective that day and a cancellation letter was sent on January 20, 2016. We issued a refund of unearned premium in the amount of $36.76 on April 23, 2016. Another refund of unearned premium was issued on July 10, 2016 in the amount of $18.38.Ms. [redacted] stated in her complaint that she never received the refund issued in April for $36.76. We issued a refund check on April 23, 2016 which was cashed on May 16, 2016. We have included a copy of the cashed check in our supporting documents.We have reviewed the enrollment call from December 8, 2015. Our agent was transparent on the enrollment process and was granted authorization by Ms. [redacted] at multiple points during the call. However, in order to fully resolve this matter and because Ms. [redacted] did not use the policy, we have made the decision to cancel the policy back to the effective date and issue a full premium refund. She will receive a refund of $18.38 under a separate cover.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Joey Lopez, at 614.435.0138 or via email at [email protected],Julia S[redacted]Director of Operations
[redacted]
[redacted] [redacted] Thank you for the opportunity to respond to [redacted]’s concerns regarding Nationwide automobile policy [redacted] This auto policy was rescinded (voided) due to violation of representations and warranties in the policy application. The policy application is incorporated and made part of the auto policy contract. At the time of application the policyholder stated that she resided in [redacted] and that the vehicle(s) were garaged in [redacted]. As a result of an auto accident that occurred on August 5, 2014, a full Claims investigation was completed to determine the residency of the insured. The investigation confirmed that at the time the policy was obtained, the primary address was [redacted] and not [redacted], [redacted] as represented on the auto policy application. The policy was cancelled back to the inception date of July 28, 2104 and all premium paid was refunded to the customer. Regarding the claim denial - On August 22, 2014 the Nationwide Mutual Fire Insurance Company auto policy rescinded back to the inception date of July 28, 2014. Since policy was rescinded, there was no coverage in force on the date of the loss on August 5, 2014. Therefore, we were unable to provide coverage for this loss Sincerely,
I am writing in response to the above referenced claim filed by [redacted]. Ms. [redacted] has issues with the repair estimate written for her vehicle by Nationwide claims associate Catherine R[redacted].
On June 10, 2015, Nationwide claims associate, Catherine R[redacted], met with Ms....
[redacted] at her residence and wrote a damage estimate for her 2003 Pontiac Montana. Catherine reviewed the estimate with Ms. [redacted] and provided her with two copies. Catherine explained to Ms. [redacted] that one copy was for her and the other was to give to the repair shop of her choice. Catherine explained the repair and rental processes and that Ms. [redacted] will be provided a rental vehicle while her van is in the shop for repairs. Catherine told Ms. [redacted] that if the shop finds additional damage or cannot repair her vehicle properly based on the estimate, the shop would contact Catherine and it would be addressed as a supplement estimate. Catherine issued a check to Ms. [redacted] for the amount of the repair estimate.
Later that day, Ms. [redacted] went to [redacted] and asked Mr. [redacted] to write an estimate on her vehicle. After Mr. [redacted] wrote an estimate, Ms. [redacted] showed Catherine’s estimate to him. Mr. [redacted] explained the supplement process to Ms. [redacted] and that he has worked with Catherine previously and any additional repairs would be addressed. At no time did Catherine R[redacted] contact Mr. [redacted] to have him adjust his estimate as Ms. [redacted] alleges. Ms. [redacted] was not denied a rental vehicle. There is a note in the file by Enterprise Rent a Car employee, [redacted], on June 10, 2015 that Catherine R[redacted] set up a rental for Ms. [redacted]. It is Nationwide’s position that if [redacted] or any other shop finds additional damage to Ms. [redacted]’s Pontiac or cannot properly repair it based on Catherine’s estimate, they can contact her and Ms. [redacted]’s vehicle will be repaired to the condition it was in prior to the accident.
If you have any further questions please feel free to contact me.
Dear [redacted],Thank you for your recent inquiry regarding a complaint you received from our policyholder [redacted]. [redacted]’s 2008 Chevrolet Cobalt (Vin/4222) was determined to be a total loss due to an accident that occurred on 01/09/2015. Nationwide...
total loss claim associate [redacted] attempted to contact [redacted] on 1/19/2015 to discuss his claim and left a voice message at the residence phone number. On 1/20/2015, successful contact was made with [redacted] and a thorough explanation of the claim process was discussed. Additionally, [redacted] went over the actual cash value of the 2008 Cobalt and reviewed he settlement offer on the vehicle.Our estimate of record was written in the amount of $4,244.87. The salvage quote for this vehicle was $481.98. Based on the [redacted] statewide value and the base vehicle value, the average actual cash value was $3,165.00. This valuation was based on a CCC One Market Valuation report to include comparable vehicles. Additionally, in the State of [redacted], a consumer is eligible for the reimbursement of sales tax calculated on the total loss vehicle if they replace the vehicle involved in the loss within 33 days after settlement. In this case, the eligible tax reimbursement would be $238.23. During our first conversation with [redacted], she indicated she would like to review the settlement offer with her husband, [redacted], and asked that we email a copy of our report. Also during this conversation, [redacted] mentioned they may be interested in retaining the vehicle salvage. [redacted] provided [redacted] with our salvage quote in the amount of $481.98 to retain the vehicle. Additional contacts with the [redacted]s were established on 1/23/2015, 1/26/2015, 1/29/2015 and 2/5/2015. The [redacted]’s 2008 Cobalt was inadvertently pickup by our salvage vendor on 1/23/2015. This was done by mistake and Nationwide acknowledges this. The vehicle was moved to a safe and secure storage free facility in [redacted], [redacted]. It should be noted the shop holding the [redacted]’s vehicle released the vehicle without the [redacted]’s consent. Nationwide has extended an offer of $250.00 to cover the [redacted]’s roundtrip expenses to the salvage yard to secure their personal items and license plates. [redacted] reached out to the [redacted]s on 2/5/2015 to discuss the status of their claim. The [redacted]s advised [redacted] they would not be accepting the settlement offer citing it was not enough. [redacted] reviewed the CCC One Market Valuation report with the [redacted]s and sent another communication via email outlining our settlement offer. [redacted] [redacted] was out of the office 2/6/2015 through 2/9/2015. Additional communications took place with the [redacted]s on 2/12/2015, 2/13/2015 and most recently on 2/18/2015. As of February, 19, 2015 a settlement agreement has not been reached. Our current offer stands at $3,415.00 if Nationwide retains the vehicle and $2,933.02 if the [redacted]s choose to retain the vehicle. We have reached out to the [redacted]s to review our offer and reaffirm Nationwide’s commitment to settle his claim. Those attempts have been unsuccessful. Thank you for bringing this matter to our attention. We will continue to try to resolve the [redacted]s, concerns. If there are any additional questions you may have, please do not hesitate to contact us. Sincerely, [redacted] [redacted]
As indicated in my original complaint, I am not contesting the amount owed or the validity of the debt. What I am contesting is the fact that this company utilizes unethical billing practices and in doing so, caused damage to my credit unnecessarily. As you can see in the amended final bill attached by Nationwide, they state that they will turn you in to a collection agency for non-payment. This is not the correct course of action after sending a customer only one bill, especially when the customer had no reason to believe they owed anything and had no reason to expect a paper bill. I was on auto-draft payments and any reasonable person would assume that a vehicle added in April would have been deducted by the time the policy ended in June. Additionally, in trying to be a prudent person, I asked the agent who changed my policy if I owed any remaining balance on my old policy JUST to double-check and be sure, and was told that I did would have no remaining balance owed. Therefore, I was not expecting a paper bill from Nationwide and overlooked in the mail the ONLY bill I received from them, which is the amended final bill attached in Nationwide's prior response. I later found out I had been turned in to a collection agency for not paying a bill that I didn't know EXISTED. Nationwide never tried to follow up with an additional mailing, phone call, or email to ensure I received the bill, even though they have all of my information and are more than capable of reaching me, as evidenced by their agent calling me several times before just to see if I was happy with my policy. I have paid the amount I owed and want Nationwide to remove the debt account from the collection agency and from Transunion and any other credit bureau it went to.
Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for [redacted] and to address his concerns about the claim.
Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his 1999 Volkswagen.
This letter is in response to the concerns filed by [redacted] regarding the transfer of the policy and billing concerns.
In regards to policy [redacted], the policy renewed October 3, 2015 with a premium of $217.13. The policy cancelled as a transfer to another state, effective December...
17, 2015 which processed in our systems on December 31, 2015.
Nationwide charged $88.33 for coverage on this policy from October 3, 2015 renewal to December 17, 2015 cancellation date. Payments were received on October 5, 2015 for $36.19, November 3, 2015 for $39.19, and December 3, 2015 for $39.19 totaling $114.57. The January automatic payment was stopped due to the cancellation and transfer of this policy to another state.
Premium due for coverage of $88.33 minus $114.57 payments plus $6.00 fees assessed on the account totals a credit of $17.24 remaining on the account. The $17.24 credit was applied to the new South Carolina policy.
In regards to policy [redacted], on January 6, 2016 this policy started in South Carolina effective December 17, 2015 with premium at $143.10, maintaining the October 3rd and April 3rd renewal dates. The $143.10 premium is for coverage on this policy from December 17, 2015 to the April 3, 2016 renewal date. The $17.24 credit applied to the policy balance.
A bill generated January 12, 2016 for $67.93 due February 3, 2016, which included $62.93 plus $5.00 installment fee. Due to the processing time of writing this policy, the billing account was not able to generate a bill due January 3, 2016. As the renewal dates remained the same on this policy, there are only two months left to bill the balance over in this renewal term, February and March, prior to the policy renewing in April. The policy balance reflects $125.86 based on the pro rated premium of $143.10 minus $17.24. The $125.86 balance divided by two months is $62.93.
We apologize for the confusion caused by the transfer of the policy from one state to another. The billing is correct and premium will begin billing evenly over 1/6th of the renewal premium once the policy renews in April.
[redacted]
[redacted]
[redacted]
[redacted] Dear [redacted]: This is in response to the inquiry received for the above policyholder and his automobile policy. In [redacted] inquiry, he stated three concerns regarding his prior automobile policy with our Company: he was required to insure his spouse, his policy was cancelled without a reason of explanation and he received a bill for $400 three months after the policy cancelled. Below I will address each concern. [redacted] has not disclosed to our Company that he is married and he was rated as single on his automobile policy. Through claims frequency, it was discovered that [redacted] has access and/or possession of [redacted]’ 2003 [redacted]. Since [redacted] is frequently driving or in possession of the vehicle, our Company guideline is to rate her as a driver on the policy. In the event that [redacted] is his spouse, our guidelines also require all spouses to be rated on the automobile policy. [redacted] states he did not receive a reason of explanation on why his policy was being cancelled. On April 5, 2016, a Notice of Non-Renewal was mailed to [redacted] stating his policy was being cancelled due to February 22, 2015 and July 28, 2013 claims. [redacted] automobile policy is a semi-annual policy. The policy billed on an installment account together with a property policy with payments due on the 10th of each month. The premium for [redacted]’ automobile policy was $1839.40 from November 10, 2015 to May 10, 2016. Additional, $60.00 in late fees and $25.00 in installment fees were charged to the account for the most recent policy term totaling a charge of $1924.40 for the entire November 10, 2015 to May 10, 2016 term. Nationwide received total payments in the amount of $1639.73. Of the payments received $19.90 was applied to the propery policy and $1,619.83 applied to the automobile policy leaving a balance due of $304.57 on the automobile policy. A complete history of the premium charged and payments received has been enclosed. A final bill was mailed to [redacted] on April 5, 2016 stating the $304.57 was due by May 10, 2016. When the payment was not received a second notice was mailed to [redacted] on May 11, 2016, stating the $304.57 was still due for insurance coverage provided up to May 10, 2016. The notice states the payment was due by June 9, 2016 and if not received, a collection agency may contact him. Thank you for the opportunity to review our business handling of the insured’s personal property policy. If you require further assistance, please contact our Customer Relations Coordinator, Kirsandra C[redacted], at ###-###-#### or by email at [redacted]
Sincerely, Bridget M. D[redacted]Compliance Specialist###-###-#### Ext. [redacted]
Enclosures:Notice of Non-RenewalFinal BillPayment Notice
The following response was provided by both Claims Manager, Gregory W[redacted] and Claims Manager, Adam A[redacted]We have reviewed the complaint in question. Specifically, in regards to concerns about delays to determine if this customer’s vehicle was a total loss, the following events are outlined for...
consideration.The date of loss of the accident was September 3, 2016, a Saturday. Monday was a national holiday and Ms. [redacted] agreed to drop her vehicle off at [redacted] on Tuesday, September 6, 2016.On September 6, 2016, we sent an assignment to [redacted] with details of her claim to start the evaluation process to repair her vehicle.On the following Monday, September 12th, we spoke to [redacted] and they advised they needed to gain additional access to locations of the vehicle to determine if it was in fact repairable.On Wednesday, September 14th, we received documentation from [redacted] that they deemed the vehicle to be a total loss.On Thursday, September 15th, we had a final determination and a value of the vehicle. By the next day the 16th, we made contact with Mrs. [redacted] to extend an offer and start the next phase of the process to settle her claim, which included working with her bank.The claim was settled on October 3, 2016 in the amount of $16,150.11 and it was paid to [redacted]Sincerely,Gregory W[redacted]ccident on Saturday, September 3rd. This was reported to our company on Sunday, September 4th. On Monday, September 5th, our investigation was completed and found the other party to be at fault and it was determined that a liability denial was appropriate. At this time adjuster noted the other party is 100% at fault and mistakenly marked that this was a chargeable accident in the notes. The error was brought to the adjuster’s attention and this has been corrected within our system. The information now reflects that this is 100% the other party’s fault and this is non-chargeable.In review of the transportation issue. Ms. [redacted] did not elect, nor pay for, rental reimbursement coverage within the insurance policy. Therefore, we were and are unable to provide a rental vehicle or reimbursement for these out of pocket expenses.If you require further assistance, please contact our Customer Advocacy Coordinator, Christine G[redacted], at ###-###-#### or by email at [redacted]Sincerely,Adam A[redacted]
We have reviewed our file to address your concerns. Our insured has a personal auto policy with a liabilitylimit of 100,000. The loss date was 7/4/2014 the loss was reported to Harleysville on 7/25/2014. This mostrecent response is from Mr. [redacted] E-mail to the Revdex.com.We advised that any additional damages being claimed needed to be inspected by his carrier, [redacted]. They have paid for the damages to his vehicle, and we have reimbursed them through subrogation.If there are additional damages, this will need to be confirmed and viewed by Mr. [redacted]'s Carrier, [redacted]. The estimate written by [redacted] appears to be written to industry standards.I cannot comment on the practices and guidelines that are being used by [redacted] but the use ofnon-original factory parts is very common on an older vehicle, in poor prior condition. Wheel alignments arenormally only allowed when a wheel or tire is replaced.We have accepted 100% liability for this loss and any supplements that are submitted by [redacted]will be reviewed by Harleysville, and paid, as long as the additional damages being claimed are loss related.Our material damage file will remain closed.Mr. [redacted] has also made reference to his unpaid medical bills. That portion of his claim is being handled byour casualty unit. Mr. [redacted] recently indicated he is being represented by an attorney. Since this is a 3rd partyliability claim, his medical bills will not be paid piece-mail. Our casualty unit will now be working with hisattorney to collect the necessary documents and when proper will evaluate that portion of his claim for a lumpsum, full and final settlement.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator,Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Ronald O[redacted]###-###-####[redacted]
This letter is in response to [redacted]’s recent inquiry. As previously stated, the offer listed below is Nationwide’s settlement offer for [redacted]’s totaled vehicle. To date, we have not been provided with any materials which would support any change to our settlement value.
Our settlement is:
Actual Cash Value = $5,456.00 Condition Adjustment + $287.00 Total ACV = $5,743.00 Sales Tax + $172.29 3 Title Fee + $55.00 Subtotal = $5,970.29 Allowance for Rental +$683.82 Total Settlement Offer = $6,654.11
Please let me know if you need anything further.
Sincerely,
[redacted]
We are in receipt of your correspondence dated May 17, 2017 regarding [redacted]’s additional request to contact Credit Collections Services (CCS) and waiving the remaining collection amount. I will be happy to respond to Ms. [redacted]’s additional request. CCS has closed the collection account for $135.56 and has advised the amount has not been reported to the Credit Bureau. CCS will also be mailing a letter to Ms. [redacted] confirming the account has been closed and not reported to the Credit Bureau. Concerning the remaining $60.66 balance owed, this amount is not able to be waived by [redacted] Insurance Company. In order to remain compliant with the North Carolina Department of Insurance premium is not able be waived for coverage provided. There was not a call located advising the collection balance would be waived. Since Customer Service Representative (CSR), Dianne, did not provide information to Ms. [redacted] that the unearned premium would be calculated on a short-rate basis and there would be premium owed for coverage provided from January 1, 2017 to January 18, 2017, the unearned premium was able to be recalculated on a pro-rata basis which reduced the collection amount from $135.56 to $60.66. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H[redacted], at ###-###-#### or by email at [redacted]@nationwide.com. Sincerely, Jake M[redacted] Senior Analyst
Police y #[redacted]. They are in the business of false advertising! They offered me the Max Plan in April to take effect in August at my renewal date then they stopped offering it before I could change to the Max plan! They have received a ton of money from me in the 10 years I have used them for my ten year toy poodle only to let me down big time!
Regards,
[redacted]
There are witness that heard Agent [redacted] state that the loan would be paid in full, she was on speaker phone and 3 other people in my office heard her state when I ask twice. She state yes it would be paid in full that is what GAP is for.
Regards, [redacted]
We are in receipt of your communicated dated April 13, 2016 submitted on behalf of Ms. [redacted] regarding communication concerns during her claim, as well as frustration with the payment process.I spoke with Ms. [redacted] on April 13, and we addressed her concerns. We apologize for any communication...
issues during the claims process, as we strive to maintain consistent contact throughout the claim to keep the member informed.While the insured should have been advised of her mortgage company’s inclusion on the check, her mortgage information was not updated on her policy. Therefore, when the claims team issued the payment, we were unaware of the outdated information. When this was brought to our attention, we re-issued the payment immediately and sent the check directly to the mortgage company per Ms. [redacted]’s request. The adjuster spoke with the mortgage company on April 18th to offer to send the estimate for repairs in order to expedite the process for our member.We regret that the complainant is unhappy with the handling of her claim, but we will continue to work with Ms. [redacted] to bring this claim to resolution.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G[redacted] at ###-###-#### or via email at [redacted].Sincerely,Averill Y[redacted]
I never said I cancelled the policy to take the Nationwide policy, I said that I could have gone with [redacted], as I had before and my unit would have been covered. I provided the information that was requested via the brochure of coverage. Once again Nationwide is trying to find a way out and not honor what you said you would do.
Regards,
[redacted]
The auto policy increased $60.20 at the February 15, 2016 renewal. The increase is a result of a territory base rate adjustment, filed before the Maryland Insurance Administration, effective January 1, 2016. Rate adjustments are not reflective of anything a member specifically does, but rather a...
decision based on the insurance data we receive for the entire territory. Territory base rate increases are typically a result of increased claims in the area in addition to the increasing cost of medical treatment and repairs. We certainly understand and share the insured's concerns regarding premium increases. We have done our best to control expenses, and be fair and equitable on claim payments. Our objective is to provide the best possible products and services at the lowest possible price that we can while maintaining our claims and customer service that is expected from Nationwide. The Company cannot adjust the premium as the insured requested. The Company's rating structure is filed with the state and we are required to apply our rates uniformly and consistently. However, the Company continually develops new programs and discounts which may reduce the insured's premium. I recommend that the insured contact her Nationwide Insurance agent to complete an “On your side” care review to verify she is receiving all the benefits and lowest premium that Nationwide Insurance has to offer. Thank you, Shari D[redacted] Compliance Consultant Nationwide Insurance Company
This is the reply to the below message from Titan Insurance.I sent a faxed letter stating that the reason my policy needed to be canceled was because I no longer had an automobile. I will find the faxed letter to show that. Another automobile was given to me a few days latter and I decided to switch companies. There was nothing owed to Titan - I don't care how [redacted] choses to say it. I will provide the letter of cancelation and explanation. Titan is a rotten company. I am not happy with [redacted]'s solution to the issue. Respectfully,[redacted]
Dear [redacted],
Thank you for contacting Nationwide. This is a response to the Customer Complaint you filed with our Customer Advocacy Department on April 28, 2015.
Policy [redacted] had the [redacted]...
[redacted] Discount added effective the December 21, 2012 renewal. A Renewal Declarations advising of the [redacted] Discount was mailed to the address on file of [redacted]. Due to the age of the change, we are unable to determine whether the change was made by the Agent of Record or by the Customer Service Center.
In speaking to the [redacted], they confirmed that [redacted] has never been a member of their [redacted] and she has never paid any dues. The representative stated a letter was mailed to the member explaining she was receiving the [redacted] Discount on her Nationwide automobile policy and if she wanted to retain the discount, she would need to become a member or the discount would be removed.
Effective April 20, 2015, the [redacted] Agency removed the [redacted] Discount. The change increased the 6-month premium from $835.40 to $888.70 and increased the unpaid balance by $18.10 for the removal of the discount from April 20, 2015, to June 21, 2015. The premium increase can not be waived as the member does not qualify for the discount since she is not a member of the [redacted]. If [redacted] wishes to apply the [redacted] Discount back to her policy, she will need to become a member of the [redacted] is welcome to contact her local [redacted], at ###-###-####, to discuss the information on file. Please keep in mind, [redacted] membership payments are not a part of Nationwide policy premiums.
Nationwide values our customers and strives to provide you with the service you deserve.
If you require further assistance, please contact Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted]between the hours of 8:00 AM and 4:15 PM.
Sincerely,
[redacted]
Nationwide
###-###-####
This letter is in response to your request for information pertaining to the above file.
Our records indicate the Auto policy renewed effective April 4, 2015 as $334.80. We received notice to cancel on May 1, 2015 effective April 28, 2015. The Auto policy was cancelled...
effective April 28, 2015 and a balance of $32.50 remains for coverage.
The total charged for coverage from April 4, 2015 to April 28, 2015 was $80.30. A payment of $63.80 was received on April 1, 2015. There were two $8.00 service fees charged. The total charged of $80.30 plus $16.00 charged in service fees minus $63.80 total payment equals $32.50 charged for coverage provided up to the cancellation date of April 28, 2015.
Thank you for allowing me the opportunity to assist you and if you have any questions regarding the information I have provided you may contact me at #########*, Ext. [redacted] or my email
We are in receipt of your request for information regarding the above referenced file. Ms. [redacted] states that she did not give authorization for our agent to start a policy for her pet. She is requesting a full refund for premium collected from her paycheck.Ms. [redacted] applied for the Major Medical...
Plan with a $250.00 annual deductible and a Pet Wellness Basic Rider for her dog [redacted] on December 8, 2015. The application was approved with an effective date of January 1, 2016.On January 19, 2016 Ms. [redacted] called our Customer Care department and said she had been enrolled without her consent. Her policy was cancelled effective that day and a cancellation letter was sent on January 20, 2016. We issued a refund of unearned premium in the amount of $36.76 on April 23, 2016. Another refund of unearned premium was issued on July 10, 2016 in the amount of $18.38.Ms. [redacted] stated in her complaint that she never received the refund issued in April for $36.76. We issued a refund check on April 23, 2016 which was cashed on May 16, 2016. We have included a copy of the cashed check in our supporting documents.We have reviewed the enrollment call from December 8, 2015. Our agent was transparent on the enrollment process and was granted authorization by Ms. [redacted] at multiple points during the call. However, in order to fully resolve this matter and because Ms. [redacted] did not use the policy, we have made the decision to cancel the policy back to the effective date and issue a full premium refund. She will receive a refund of $18.38 under a separate cover.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Joey Lopez, at 614.435.0138 or via email at [email protected],Julia S[redacted]Director of Operations
[redacted]
[redacted]
[redacted]
[redacted]
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[redacted] [redacted] Thank you for the opportunity to respond to [redacted]’s concerns regarding Nationwide automobile policy [redacted] This auto policy was rescinded (voided) due to violation of representations and warranties in the policy application. The policy application is incorporated and made part of the auto policy contract. At the time of application the policyholder stated that she resided in [redacted] and that the vehicle(s) were garaged in [redacted]. As a result of an auto accident that occurred on August 5, 2014, a full Claims investigation was completed to determine the residency of the insured. The investigation confirmed that at the time the policy was obtained, the primary address was [redacted] and not [redacted], [redacted] as represented on the auto policy application. The policy was cancelled back to the inception date of July 28, 2104 and all premium paid was refunded to the customer. Regarding the claim denial - On August 22, 2014 the Nationwide Mutual Fire Insurance Company auto policy rescinded back to the inception date of July 28, 2014. Since policy was rescinded, there was no coverage in force on the date of the loss on August 5, 2014. Therefore, we were unable to provide coverage for this loss Sincerely,
[redacted]Nationwide ###-###-####[redacted]
I am writing in response to the above referenced claim filed by [redacted]. Ms. [redacted] has issues with the repair estimate written for her vehicle by Nationwide claims associate Catherine R[redacted].
On June 10, 2015, Nationwide claims associate, Catherine R[redacted], met with Ms....
[redacted] at her residence and wrote a damage estimate for her 2003 Pontiac Montana. Catherine reviewed the estimate with Ms. [redacted] and provided her with two copies. Catherine explained to Ms. [redacted] that one copy was for her and the other was to give to the repair shop of her choice. Catherine explained the repair and rental processes and that Ms. [redacted] will be provided a rental vehicle while her van is in the shop for repairs. Catherine told Ms. [redacted] that if the shop finds additional damage or cannot repair her vehicle properly based on the estimate, the shop would contact Catherine and it would be addressed as a supplement estimate. Catherine issued a check to Ms. [redacted] for the amount of the repair estimate.
Later that day, Ms. [redacted] went to [redacted] and asked Mr. [redacted] to write an estimate on her vehicle. After Mr. [redacted] wrote an estimate, Ms. [redacted] showed Catherine’s estimate to him. Mr. [redacted] explained the supplement process to Ms. [redacted] and that he has worked with Catherine previously and any additional repairs would be addressed. At no time did Catherine R[redacted] contact Mr. [redacted] to have him adjust his estimate as Ms. [redacted] alleges. Ms. [redacted] was not denied a rental vehicle. There is a note in the file by Enterprise Rent a Car employee, [redacted], on June 10, 2015 that Catherine R[redacted] set up a rental for Ms. [redacted]. It is Nationwide’s position that if [redacted] or any other shop finds additional damage to Ms. [redacted]’s Pontiac or cannot properly repair it based on Catherine’s estimate, they can contact her and Ms. [redacted]’s vehicle will be repaired to the condition it was in prior to the accident.
If you have any further questions please feel free to contact me.
Sincerely,
Mike M[redacted]
[redacted]
PH ###-###-####
E-mail: [redacted]
Dear [redacted],Thank you for your recent inquiry regarding a complaint you received from our policyholder [redacted]. [redacted]’s 2008 Chevrolet Cobalt (Vin/4222) was determined to be a total loss due to an accident that occurred on 01/09/2015. Nationwide...
total loss claim associate [redacted] attempted to contact [redacted] on 1/19/2015 to discuss his claim and left a voice message at the residence phone number. On 1/20/2015, successful contact was made with [redacted] and a thorough explanation of the claim process was discussed. Additionally, [redacted] went over the actual cash value of the 2008 Cobalt and reviewed he settlement offer on the vehicle.Our estimate of record was written in the amount of $4,244.87. The salvage quote for this vehicle was $481.98. Based on the [redacted] statewide value and the base vehicle value, the average actual cash value was $3,165.00. This valuation was based on a CCC One Market Valuation report to include comparable vehicles. Additionally, in the State of [redacted], a consumer is eligible for the reimbursement of sales tax calculated on the total loss vehicle if they replace the vehicle involved in the loss within 33 days after settlement. In this case, the eligible tax reimbursement would be $238.23. During our first conversation with [redacted], she indicated she would like to review the settlement offer with her husband, [redacted], and asked that we email a copy of our report. Also during this conversation, [redacted] mentioned they may be interested in retaining the vehicle salvage. [redacted] provided [redacted] with our salvage quote in the amount of $481.98 to retain the vehicle. Additional contacts with the [redacted]s were established on 1/23/2015, 1/26/2015, 1/29/2015 and 2/5/2015. The [redacted]’s 2008 Cobalt was inadvertently pickup by our salvage vendor on 1/23/2015. This was done by mistake and Nationwide acknowledges this. The vehicle was moved to a safe and secure storage free facility in [redacted], [redacted]. It should be noted the shop holding the [redacted]’s vehicle released the vehicle without the [redacted]’s consent. Nationwide has extended an offer of $250.00 to cover the [redacted]’s roundtrip expenses to the salvage yard to secure their personal items and license plates. [redacted] reached out to the [redacted]s on 2/5/2015 to discuss the status of their claim. The [redacted]s advised [redacted] they would not be accepting the settlement offer citing it was not enough. [redacted] reviewed the CCC One Market Valuation report with the [redacted]s and sent another communication via email outlining our settlement offer. [redacted] [redacted] was out of the office 2/6/2015 through 2/9/2015. Additional communications took place with the [redacted]s on 2/12/2015, 2/13/2015 and most recently on 2/18/2015. As of February, 19, 2015 a settlement agreement has not been reached. Our current offer stands at $3,415.00 if Nationwide retains the vehicle and $2,933.02 if the [redacted]s choose to retain the vehicle. We have reached out to the [redacted]s to review our offer and reaffirm Nationwide’s commitment to settle his claim. Those attempts have been unsuccessful. Thank you for bringing this matter to our attention. We will continue to try to resolve the [redacted]s, concerns. If there are any additional questions you may have, please do not hesitate to contact us. Sincerely, [redacted] [redacted]
As indicated in my original complaint, I am not contesting the amount owed or the validity of the debt. What I am contesting is the fact that this company utilizes unethical billing practices and in doing so, caused damage to my credit unnecessarily. As you can see in the amended final bill attached by Nationwide, they state that they will turn you in to a collection agency for non-payment. This is not the correct course of action after sending a customer only one bill, especially when the customer had no reason to believe they owed anything and had no reason to expect a paper bill. I was on auto-draft payments and any reasonable person would assume that a vehicle added in April would have been deducted by the time the policy ended in June. Additionally, in trying to be a prudent person, I asked the agent who changed my policy if I owed any remaining balance on my old policy JUST to double-check and be sure, and was told that I did would have no remaining balance owed. Therefore, I was not expecting a paper bill from Nationwide and overlooked in the mail the ONLY bill I received from them, which is the amended final bill attached in Nationwide's prior response. I later found out I had been turned in to a collection agency for not paying a bill that I didn't know EXISTED. Nationwide never tried to follow up with an additional mailing, phone call, or email to ensure I received the bill, even though they have all of my information and are more than capable of reaching me, as evidenced by their agent calling me several times before just to see if I was happy with my policy. I have paid the amount I owed and want Nationwide to remove the debt account from the collection agency and from Transunion and any other credit bureau it went to.
[redacted]
[redacted]
Thank you for the opportunity to respond to the Revdex.com regarding claim number ###### for [redacted] and to address his concerns about the claim.
Victoria Fire & Casualty DBA Titan has already responded to the complaint through the State of [redacted] Department of Insurance and has appropriately addressed all concerns on [redacted] diminution claims for damages to his 1999 Volkswagen.
Sincerely yours,
[redacted]
Phone: ###-###-####
This letter is in response to the concerns filed by [redacted] regarding the transfer of the policy and billing concerns.
In regards to policy [redacted], the policy renewed October 3, 2015 with a premium of $217.13. The policy cancelled as a transfer to another state, effective December...
17, 2015 which processed in our systems on December 31, 2015.
Nationwide charged $88.33 for coverage on this policy from October 3, 2015 renewal to December 17, 2015 cancellation date. Payments were received on October 5, 2015 for $36.19, November 3, 2015 for $39.19, and December 3, 2015 for $39.19 totaling $114.57. The January automatic payment was stopped due to the cancellation and transfer of this policy to another state.
Premium due for coverage of $88.33 minus $114.57 payments plus $6.00 fees assessed on the account totals a credit of $17.24 remaining on the account. The $17.24 credit was applied to the new South Carolina policy.
In regards to policy [redacted], on January 6, 2016 this policy started in South Carolina effective December 17, 2015 with premium at $143.10, maintaining the October 3rd and April 3rd renewal dates. The $143.10 premium is for coverage on this policy from December 17, 2015 to the April 3, 2016 renewal date. The $17.24 credit applied to the policy balance.
A bill generated January 12, 2016 for $67.93 due February 3, 2016, which included $62.93 plus $5.00 installment fee. Due to the processing time of writing this policy, the billing account was not able to generate a bill due January 3, 2016. As the renewal dates remained the same on this policy, there are only two months left to bill the balance over in this renewal term, February and March, prior to the policy renewing in April. The policy balance reflects $125.86 based on the pro rated premium of $143.10 minus $17.24. The $125.86 balance divided by two months is $62.93.
We apologize for the confusion caused by the transfer of the policy from one state to another. The billing is correct and premium will begin billing evenly over 1/6th of the renewal premium once the policy renews in April.
Tell us why here...August 23, 2016
[redacted]
[redacted]...
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[redacted] Dear [redacted]: This is in response to the inquiry received for the above policyholder and his automobile policy. In [redacted] inquiry, he stated three concerns regarding his prior automobile policy with our Company: he was required to insure his spouse, his policy was cancelled without a reason of explanation and he received a bill for $400 three months after the policy cancelled. Below I will address each concern. [redacted] has not disclosed to our Company that he is married and he was rated as single on his automobile policy. Through claims frequency, it was discovered that [redacted] has access and/or possession of [redacted]’ 2003 [redacted]. Since [redacted] is frequently driving or in possession of the vehicle, our Company guideline is to rate her as a driver on the policy. In the event that [redacted] is his spouse, our guidelines also require all spouses to be rated on the automobile policy. [redacted] states he did not receive a reason of explanation on why his policy was being cancelled. On April 5, 2016, a Notice of Non-Renewal was mailed to [redacted] stating his policy was being cancelled due to February 22, 2015 and July 28, 2013 claims. [redacted] automobile policy is a semi-annual policy. The policy billed on an installment account together with a property policy with payments due on the 10th of each month. The premium for [redacted]’ automobile policy was $1839.40 from November 10, 2015 to May 10, 2016. Additional, $60.00 in late fees and $25.00 in installment fees were charged to the account for the most recent policy term totaling a charge of $1924.40 for the entire November 10, 2015 to May 10, 2016 term. Nationwide received total payments in the amount of $1639.73. Of the payments received $19.90 was applied to the propery policy and $1,619.83 applied to the automobile policy leaving a balance due of $304.57 on the automobile policy. A complete history of the premium charged and payments received has been enclosed. A final bill was mailed to [redacted] on April 5, 2016 stating the $304.57 was due by May 10, 2016. When the payment was not received a second notice was mailed to [redacted] on May 11, 2016, stating the $304.57 was still due for insurance coverage provided up to May 10, 2016. The notice states the payment was due by June 9, 2016 and if not received, a collection agency may contact him. Thank you for the opportunity to review our business handling of the insured’s personal property policy. If you require further assistance, please contact our Customer Relations Coordinator, Kirsandra C[redacted], at ###-###-#### or by email at [redacted]
Sincerely, Bridget M. D[redacted]Compliance Specialist###-###-#### Ext. [redacted]
Enclosures:Notice of Non-RenewalFinal BillPayment Notice
The following response was provided by both Claims Manager, Gregory W[redacted] and Claims Manager, Adam A[redacted]We have reviewed the complaint in question. Specifically, in regards to concerns about delays to determine if this customer’s vehicle was a total loss, the following events are outlined for...
consideration.The date of loss of the accident was September 3, 2016, a Saturday. Monday was a national holiday and Ms. [redacted] agreed to drop her vehicle off at [redacted] on Tuesday, September 6, 2016.On September 6, 2016, we sent an assignment to [redacted] with details of her claim to start the evaluation process to repair her vehicle.On the following Monday, September 12th, we spoke to [redacted] and they advised they needed to gain additional access to locations of the vehicle to determine if it was in fact repairable.On Wednesday, September 14th, we received documentation from [redacted] that they deemed the vehicle to be a total loss.On Thursday, September 15th, we had a final determination and a value of the vehicle. By the next day the 16th, we made contact with Mrs. [redacted] to extend an offer and start the next phase of the process to settle her claim, which included working with her bank.The claim was settled on October 3, 2016 in the amount of $16,150.11 and it was paid to [redacted]Sincerely,Gregory W[redacted]ccident on Saturday, September 3rd. This was reported to our company on Sunday, September 4th. On Monday, September 5th, our investigation was completed and found the other party to be at fault and it was determined that a liability denial was appropriate. At this time adjuster noted the other party is 100% at fault and mistakenly marked that this was a chargeable accident in the notes. The error was brought to the adjuster’s attention and this has been corrected within our system. The information now reflects that this is 100% the other party’s fault and this is non-chargeable.In review of the transportation issue. Ms. [redacted] did not elect, nor pay for, rental reimbursement coverage within the insurance policy. Therefore, we were and are unable to provide a rental vehicle or reimbursement for these out of pocket expenses.If you require further assistance, please contact our Customer Advocacy Coordinator, Christine G[redacted], at ###-###-#### or by email at [redacted]Sincerely,Adam A[redacted]
We have reviewed our file to address your concerns. Our insured has a personal auto policy with a liabilitylimit of 100,000. The loss date was 7/4/2014 the loss was reported to Harleysville on 7/25/2014. This mostrecent response is from Mr. [redacted] E-mail to the Revdex.com.We advised that any additional damages being claimed needed to be inspected by his carrier, [redacted]. They have paid for the damages to his vehicle, and we have reimbursed them through subrogation.If there are additional damages, this will need to be confirmed and viewed by Mr. [redacted]'s Carrier, [redacted]. The estimate written by [redacted] appears to be written to industry standards.I cannot comment on the practices and guidelines that are being used by [redacted] but the use ofnon-original factory parts is very common on an older vehicle, in poor prior condition. Wheel alignments arenormally only allowed when a wheel or tire is replaced.We have accepted 100% liability for this loss and any supplements that are submitted by [redacted]will be reviewed by Harleysville, and paid, as long as the additional damages being claimed are loss related.Our material damage file will remain closed.Mr. [redacted] has also made reference to his unpaid medical bills. That portion of his claim is being handled byour casualty unit. Mr. [redacted] recently indicated he is being represented by an attorney. Since this is a 3rd partyliability claim, his medical bills will not be paid piece-mail. Our casualty unit will now be working with hisattorney to collect the necessary documents and when proper will evaluate that portion of his claim for a lumpsum, full and final settlement.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator,Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Ronald O[redacted]###-###-####[redacted]
This letter is in response to [redacted]’s recent inquiry. As previously stated, the offer listed below is Nationwide’s settlement offer for [redacted]’s totaled vehicle. To date, we have not been provided with any materials which would support any change to our settlement value.
Our settlement is:
Actual Cash Value = $5,456.00 Condition Adjustment + $287.00 Total ACV = $5,743.00 Sales Tax + $172.29 3 Title Fee + $55.00 Subtotal = $5,970.29 Allowance for Rental +$683.82 Total Settlement Offer = $6,654.11
Please let me know if you need anything further.
Sincerely,
[redacted]
We are in receipt of your correspondence dated May 17, 2017 regarding [redacted]’s additional request to contact Credit Collections Services (CCS) and waiving the remaining collection amount. I will be happy to respond to Ms. [redacted]’s additional request. CCS has closed the collection account for $135.56 and has advised the amount has not been reported to the Credit Bureau. CCS will also be mailing a letter to Ms. [redacted] confirming the account has been closed and not reported to the Credit Bureau. Concerning the remaining $60.66 balance owed, this amount is not able to be waived by [redacted] Insurance Company. In order to remain compliant with the North Carolina Department of Insurance premium is not able be waived for coverage provided. There was not a call located advising the collection balance would be waived. Since Customer Service Representative (CSR), Dianne, did not provide information to Ms. [redacted] that the unearned premium would be calculated on a short-rate basis and there would be premium owed for coverage provided from January 1, 2017 to January 18, 2017, the unearned premium was able to be recalculated on a pro-rata basis which reduced the collection amount from $135.56 to $60.66. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H[redacted], at ###-###-#### or by email at [redacted]@nationwide.com. Sincerely, Jake M[redacted] Senior Analyst
Police y #[redacted]. They are in the business of false advertising! They offered me the Max Plan in April to take effect in August at my renewal date then they stopped offering it before I could change to the Max plan! They have received a ton of money from me in the 10 years I have used them for my ten year toy poodle only to let me down big time!
Regards,
[redacted]
There are witness that heard Agent [redacted] state that the loan would be paid in full, she was on speaker phone and 3 other people in my office heard her state when I ask twice. She state yes it would be paid in full that is what GAP is for.
Regards, [redacted]
We are in receipt of your communicated dated April 13, 2016 submitted on behalf of Ms. [redacted] regarding communication concerns during her claim, as well as frustration with the payment process.I spoke with Ms. [redacted] on April 13, and we addressed her concerns. We apologize for any communication...
issues during the claims process, as we strive to maintain consistent contact throughout the claim to keep the member informed.While the insured should have been advised of her mortgage company’s inclusion on the check, her mortgage information was not updated on her policy. Therefore, when the claims team issued the payment, we were unaware of the outdated information. When this was brought to our attention, we re-issued the payment immediately and sent the check directly to the mortgage company per Ms. [redacted]’s request. The adjuster spoke with the mortgage company on April 18th to offer to send the estimate for repairs in order to expedite the process for our member.We regret that the complainant is unhappy with the handling of her claim, but we will continue to work with Ms. [redacted] to bring this claim to resolution.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G[redacted] at ###-###-#### or via email at [redacted].Sincerely,Averill Y[redacted]
I never said I cancelled the policy to take the Nationwide policy, I said that I could have gone with [redacted], as I had before and my unit would have been covered. I provided the information that was requested via the brochure of coverage. Once again Nationwide is trying to find a way out and not honor what you said you would do.
Regards,
[redacted]