Nationwide

My husband passed away (Sept17, 2016) unexpectedly and he had investments with this company, but here I am 11-2-still fighting to get things straightened out with themNow I'm told "he didn't leave a beneficiary"So now I have to go to court even though I'm the only one he hadNationwide isn't on your side

I am writing in response to Ms***’s complaint regarding her requests for a Loan Modification regarding the property referenced in her complaint*** *** *** *** *** ** ***Per the attached response provided by Nationwide Advantage Mortgage Company dated march 29,
2016, the property in question is not eligible for Loan Modification in part because the mortgage loan is secured by a property that does not serve as her principal residenceAccording to FHA guidelines, only an owner occupied residence may be considered eligible for Loan Modification. Additionally, the response offers information regarding the Right to Appeal, but requires that the appeal be delivered in writing to: Nationwide Advantage Mortgage Company, ** *** *** *** *** ** *** not later than April 12, To this date, a formal appeal has not been received and the right to appeal has therefore expired.
I am very sorry that I am unable to offer further assistance in this matter.
Sincerely,
Anne C***
*** *** *** ***

class="MsoNormal">Mrs***’s issue deals with the damages surrounding an auto accident, which occurred on 3/9/15, in which her vehicle was struck in the rear by a Nationwide insured. Mrs*** is also a Nationwide policyholder, but in relation to this accident we addressed her damages from a third party perspective. Shortly after the date of loss, a property damage estimate was established and Mrs*** was compensated based on that estimate. The damages which were isolated to the rear of her vehicle totaled $586.85. Several weeks afterward, she contacted the MD Specialist, Chris S***, and advised him that her vehicle now had engine damage, which she felt was related to the loss. MrS*** met with the claimant and her mechanic to reinspect the vehicle on April 14th. At that time, she was advised that in order to determine whether or not the damages were related to the loss, she would have to authorize, at her expense, a tear down of the vehicle to determine the actual cause of the damage. She was also advised that if it was determined the damages were the result of the impact Nationwide would address the additional damages. On May 8th, Mrs*** contacted us to advise that she had spoken to her mechanic and that he said there was no way to determine what the nature of the damages was and that the engine needed to be replaced. At that point we advised Mrs*** again that in order to address the issue, she would have to authorize the tear down to determine the cause and allow us to reinspect the vehicle. She refused to do so stating that there was "no question that it was related and we should pay for the damage". In subsequent conversations with Mrs***, we've reiterated our position, but she has yet to authorize a tear down of the vehicle or provide any additional or new information to substantiate her claim. I contacted Mrs*** again today to confirm if she has taken any additional steps to diagnose the damage to her vehicle and she confirmed that she has not. She still feels that the additional damages, although the cause or severity is not documented, are related to the rear end impact and, as such, the responsibility of Nationwide. At that point, I again reiterated our previous position and invited her to provide documentation to substantiate her loss. Unfortunately, she still refuses to do so. Regarding the allegation of lack of follow up, she stated that she has followed up with her agent requesting a refund of premium under her personal auto policy and they have yet to follow through. She could provide no specific detail regarding claims associates who have failed to respond. It appears her perception of the delay deals with the fact that we have not agreed, at this point, to compensate her for the additional damagesI advised her during our call today that the issue regarding her premium should be addressed directly with her agent. We have personally called the agent and advised *** ***, agent, of Mrs***’s concerns. She ended the phone call by stating that she would not let the issue drop and that she would consider pursuing legal action against Nationwide.
We have clearly and concisely advised Mrs*** that there is no indication that our insured would be legally liable for the damages to her vehicle’s engine. We have compensated her in the amount of $586.85, for the property damage to the rear of her vehicle, but have also advised her that if/when she chooses to allow a qualified mechanic to tear down and assess the cause of the damage to her engine, we will be willing to reinspect the vehicle and address any additional accident related damages. However, at this point we can not honor her request to consider her vehicle a total loss or to pay her an additional sum of $4000.00. Please feel free to contact me if you need additional information or have questions.
Sincerely,
Timothy BB***
*** *** ***

This is a follow up complaint to ID #### A refund check that was "lost" finally showed up after weeks and I deposited it as told to by *** ***In the mean time Nationwide issued another check.I spent a lot of time trying to resolve this problemWhen that check showed up I was told I could tear it up or send it backThen I was informed by my bank that a stop payment had been put on the first checkI spent over an hour on the phone asking if the 2nd check was going to be any goodNow I find that my bank charged me $for the stop payment that Nationwide put on the checkNot my fault that this happened.I want my $that I was charged for a stop payment that I had no control over

I brought my *** cleaner to the *** *** location for repairI got a call from *** telling me the cost for repair and that he had to order the partsHe said he would call when it is readyI didn't hear back, so after 1/weeks I called*** said he was glad I called because he lost my numberHe said there was a problem, he had to order from another supplier, didn't know how long it would take to come inI said to order the parts and repair itAnother 1/weeks I called again, *** said there was a problem getting the old part out because "someone" had glued it on the bottom(Now I know no one has done that, I had opened it up last year to do a belt replacement and it did not have glue in there)I asked when I could pick it upHe told me he hadn't finished it, because the part came without the screws, and he had to get someHe said it would be ready next weekNo call again so I called back, he said it would be ready the next day for pick upI had to pick up at the *** *** locationSince it was a Saturday I said alrightThey were closed due to tropical storm Hermine, understandableSo I drove from work after Labor Day to pick upWhen I arrived he said it was in his car, had to run out to get itIt was not finished, I had to wait while he tried to put locking washers that didn't fit, wrong sizeI was also told the cover broke while taking it off, he would order me one no chargeBottom line I got it back in worse condition than when I dropped it off! I have to order the missing washers and wait for them to never order the coverI was so *** I just took my cleaner home and will never use them again!

Thank
you for notifying us of your complaintWe strive to provide our customers with
the best possible service, and when a customer feels that we failed to meet
their expectations, it’s important for us to know
We’re
sorry that you received service that prompted you to contact us with
a
complaint, and we regret any inconvenience or frustration that this experience
has caused youTo ensure that our staff conducts itself in a manner that
reflects the high regard that we have for our customers, we always review them
I’ve reviewed this complaint with the technicians that were involved with your
service as well as with our Service Manager
We
did sell and install a new furnace and air conditioning system 10/1/to the
***’sThat equipment has a warrantyThe other equipment at the ***’s home
is not covered by a warranty or a Service Agreement
There
has been a series of service calls at the ***’s home going back to November
2, that concerned work on a thermostat that our company did not sell them
nor installed for the ***s’Since that first call most of the services done
at the ***’s home have not been on the furnace or the new air conditioner but
on their thermostat or on a humidifier, both are not covered by a warranty or
by a Service Agreement if they failThe work we did on the furnace was covered
by their warranty and the ***’s were not invoiced for that repairThe
***’s were invoiced for working on their thermostat problem
It’s
apparent that some miscommunication has occurred along with the repairs made
and work recommended about their failed thermostatThe ***’s were made aware
that their thermostat was defective on the first service call on November 2,
Their thermostat has caused the dispute in the center of this complaint
Our repairs are not in dispute nor are our warranty or Service AgreementThese
two service components did add to the discussion on the job as to what will be
covered or not covered under these two ContractsThis is why the invoices were
sent out from our office after they were reviewed for a warranty or covered by the
Service AgreementsIt was understood this would take place since our
Technicians were being told it was covered by the ***’s and our office was
explaining it would have to be reviewedThis is our explanation for sending
the ***’s an invoice after the repairs were completed
I
will concede a concession in your situation due to your history with usThe resolution
of $will be shown as a reduction on your account and the two invoices will
be termed no further charges
Our
customer’s patronage is important to us, and we sincerely apologize for not
meeting your expectation of quality service
Thank
you again for bringing these matters to my attention
Sincerely,
Mark
Favret
President

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Nationwide values our customer’s opinion and feedback regarding their claims experience. Ms*** did display the fact that she was not pleased with the way the Casualty Claims Associate explained the liability outcome in relation to her accident on July 27, We apologized, and appropriate coaching and feedback was provided to the associate
Please be advised that Ms*** ***'s vehicle was repaired at On Your Side Shop, *** *** *** and Nationwide Insurance provides a warranty on the repairs and alternative parts for as long as the customer owns or leases the vehicle
I became aware of the problems Ms*** had with her vehicle on Thursday, August 27, After speaking with Ms***, I learned that she was not happy with the sheet metal alignment, color match, air-conditioning not working, and that the engine turned it self off after running for about ten minutes I have apologized to Ms*** and I have reassured her that I will address and resolve all of her concerns
On Friday, August 28, 2015, I have reinspected Ms***'s vehicle with body shop Manager, *** ***, and went over all of the customer concerns*** reassured me that the vehicle will not leave the shop until the repairs are done correctly*** *** informed me that the body shop will pay for the customer's additional rental expenses while the vehicle is at the body shop for repairsOn September 1, 2015, I have authorized the body shop to replace the aftermarket front bumper cover with an Original Manufacturer Equipment bumper coverDuring the repair process the vehicle also was taken to a Nissan dealer, *** ***, in *** ** for the engine stalling issue. We made sure that they checked the vehicle outAfter the repairs were completed the vehicle was delivered to Ms.*** on Wednesday September 9, *** from the body shop went over all the repairs with Ms*** and she took possession of the vehicle. I have called Ms*** on September 10, 2015. I spoke with Ms***'s husband, *** ***. Mr*** told me that he was happy with the repairs but he found few issues with the vehicle he was not happy withHe found scratches on one of the wheel covers and wanted the wheel cover to be replacedThey have also noticed some kind of rattle noise coming form the front of the vehicleMs*** and Mr.*** already spoke with *** at the body shop and had an appointment with the body shop for September 11, 2015.
On Friday, September 11, 2015, Ms.*** and Mr*** stopped at the body shop and met with ***The body shop replaced the wheel cover and diagnosed the rattle noiseI have called *** on September 11, 2015. He told me that the wheel cover was replaced and also that he located the rattle noise which was the hood stopThe hood stop was too low and needed to be adjusted. Ms*** left after the wheel cover and the adjustment to the hood were correctedAfter Ms*** left,
*** at the body shop received a call from her. He was informed that the rattle noise is still thereMs*** will be bringing the vehicle back on Monday September 14, to have the noise diagnosed. I have instructed *** at the body shop to send the vehicle to Nissan dealer, *** ***, if they cannot locate the source of the rattle
If you require further assistance, please contact our Customer Relations Coordinator, Cathy D***, at ###-###-#### or by email at***
Sincerely,
Krzysztof K***
*** *** *** ***
Nationwide
###-###-####

I have read the response from nationwide I have never been satisfied with repairs As it is right now, there are issues with chain gouges/paint damage evident on the part of the frame they straightened Evidence of altered/twisted inner fender mounting bracket with paint damage Also, inner fender well-mounting holes not aligned properly, as they drilled other holes to mount and left open holes.
At the time of nationwide inspection, Chad P*** was informed and took pictures of automobile He was informed of warning light on and transmission issues, that were not present before wreckChad stated his boss, Ronald S***, said not a result of wreck or towing with rear wheels on ground I contacted a repair shop that I use; they said transmission issue could be related to both At inspection of transmission, the repairs est@ $800.00, compared to D&D est.of $+ partsThe warning light issue - D&D ford repair shop knew of this at time of repair and just reset fault light It came on @miles later I repaired fault myself @ cost of $105.00,compared to D&D estof $ The auto has only been driven a total of around miles since 10/07/2014, due to wreck and transmission issue The Mustang was bought new in Octof and it only has 64,miles on it It was a birthday gift to my wife and she was the only driver The auto was always kept garaged and was free of any damage, until the wreck, it was considered in excellent condition I had recently asked auto dealers about trading it in After car fax report, *** *** *** did not want it D&D would take it @ fair condition value, after transmission repair, which is $6417.00, compared to excellent condition of $8101.00, as it was prior to wreck; a loss of $to me A third Ford dealer said, they may take it if it passes inspection by their mechanics, good luck with that The conclusion is, nationwide insshould pay full loss of value @ $1684.00, as fair compensation I cannot see how nationwide insonly values loss @ $300.00, as even if it had no evident issues, it still would be devalued @ $ Please note I have received no compensation at this time I have faxed Revdex.com the Kelly Blue Book evaluation of before and after wreck valuesThis shows how they rate autos in this situation.Thank You,
*** ***

I don’t think you understood my complaint or even bothered to read itAs I stated in my previous comment the car was brand new I just bought the car, I still had temporary tags on it when someone crashed into meI now have the paper work to prove this car is mines, I also have the bill of sale of when I bought the car which is dated before this accident occurredif you need me to fax over this information please provided me a fax number and I will be glad to do soas I also mentioned in my previous comment my boyfriend was driving the car at the time who does not live with me, nowhere in my policy does it states I can not lend my car outThis was a breach of contract and my policy should not have been canceledalso I dont know if you noticed, but there is no resolution being offored here
Regards,
*** ***

Thank you for your recent inquiry regarding a complaint you received from *** ***We have reviewed 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. The concern regarding cancellation *** ***’s policy ***, renewed effective March 19, 2014, with a semi-annual premium of $1,222.20. This policy was set to cancel due to claim frequencyThe claim dates were 12/27/2012, 03/14/2013, 01/30/2014, 05/23/and 05/29/There were also lapses for non-payment on 05/12/and 07/12/2014. However, ultimately, the policy canceled for nonpayment effective July 12, 2014; the policy was in force until it cancelled for non-payment of premium. The request for reinstatement was denied as the policy was already set to company cancel for claims; and due to prior lapses. The concern regarding amount due after cancellation Nationwide received two payments for the policy during the policy term beginning March 19, 2014, until the cancellation date of July 12, (see billing breakdown attached)The balance due reflects premium owed up until the cancellation date. Based on my review, this was properly handled. We trust this will resolve all pending concerns.
However, if you should have any questions or wish to discuss the matter further, please feel free to call me. Sincerely, *** *** *** *** *** Nationwide Insurance ###-###-#### ***

*** *** ***
*** *** *** ** *** ***
*** *** **
*** *** ***
*** *** ** ***
*** *** ***
*** *** ***
Thank you for your recent inquiry regarding a complaint you received from *** ***. As Central Sales Operation Support Manager, I have reviewed this file and would like to address *** *** If I do not provide the information you need for this matter, please do not hesitate to let me know
The policy correspondence that was mailed from the agent’s office was not sent with a return receipt requestAll documents that were mailed were not returned by the Post Office
An official call review was completed. It was found that *** *** called our Service Department on May 19, to inquire about a collection bill he receivedHe advised he had already made the payment with his agencyThe representative asked if he was referring to the $collection amount and he stated yesShe confirmed the payment was received on April 17, The policy they were referring to was #####The representative then informed there was another policy set up #######*** *** advised the named non-owner policy was set up by the agency after his car stopped workingThe representative advised policy ####### cancelled due to non-payment effective March 15, She advised the collection amount owed on the policy was $*** *** advised he never authorized the new policyThe representative reiterated that the policy had cancelled for non-paymentShe advised bills, declarations, and a Notice of Cancellation were mailed to his residence address on fileShe verified his address because he stated he never received anything from Nationwide regarding this policy
The representative then advised if the new policy was flat cancelled back to the inception date of January 20, 2014, he would not have coverage and would therefore have a lapse in coverageShe informed the balance due of $was valid for coverage provided from January 20, until March 15,
*** *** continued to advise that he never authorized the new policy nor did he sign anything for a new policyThe representative advised she could see if the policy could be flat cancelled which would more than likely remove the collection owed, however, she didn't recommend that option as he would have more of a lapse in coverage*** *** advised he would call his dad to see what he says, because he never received anything from the agency concerning the new policyShe provided him with her name and extensionThe representative who handled the call on May 19, was *** *** Had the member reached the representative back, she would have needed to contact underwriting for approval to flat cancel the policy back to the inception date
During this call, the representative did not advise that the policy was put into effect with no apparent signature/agreement in place nor did she advise Nationwide does not enforce any policy verballyNo action was taken on this policy as the member advised he would contact her back after he had spoken with his dad
On May 28, 2014, *** *** contacted our Service Department and requested to speak back with Courtney*** *** advised that Courtney had agreed to backdate the cancellation date of the policy, since he did not sign anything authorizing the policyThe representative took ownership of the call and advised she would need to reach out to his agencyShe explained we are unable to backdate any cancellations with out receipt of proof of insurance*** *** did not wish for the representative to contact the agencyHe requested to speak with a supervisorUnfortunately, a supervisor was not available; therefore, the member was referred to the Personal Line Services Escalation TeamA member of the Escalation Team advised *** *** that the collection amount would stand as the policy was issued to prevent a lapse in coverage
Based on my review, this inquiry was properly handled. However, I am sorry that the outcome was not satisfactory to *** ***. We strive to meet 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 me.
Sincerely,
*** ** ***
*** *** *** ***
###-###-####

class="MsoNormal">*** *** ***
*** *** *** *** *** ***
*** *** ***
*** *** ***
*** ** ***
*** *** ***
*** *** ***
*** *** ** **
As requested, I am providing a written summary of Nationwide’s position in regards
to *** ***’s tenant policy
On April 14, 2014, *** *** purchased a *** *** tenant policy at Nationwide.comThe policy was requested with an effective date of April 14, On May 1, 2014, *** *** contacted Nationwide Direct to have the tenant policy cancelled. He had purchased a home and obtained insurance through another carrier. A cancellation request form was sent to *** *** via fax to sign and return. It was confirmed that *** *** signed and returned the cancellation request form. During processing of the cancellation, it was discovered that the incorrect policy number was entered on the cancellation form; therefore, the tenant policy was not cancelled. In reviewing the files, this was a company errorThe cancellation form was sent to *** *** with his North Carolina automobile policy number on it instead of the *** *** tenant policy number.
MrWhitney submitted documents indicating that he obtained insurance through another carrier effective April 24, 2014. Therefore, we have adjusted the cancellation date on the *** *** tenant policy to April 24, 2014. A refund check in the amount $is being mailed to *** ***. We have also notified Credit Collection Services of this error and the balance has been cleared with them
We sincerely apologize for the inconvenience *** *** experienced.
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ***
*** *** *** *** * *** ***
Nationwide Insurance Company
Phone: ###-###-####
Fax#: ###-###-####
Email: ***

*** *** ***
*** *** *** *** *** ** *** *** *** ***
*** ***
*** ***In response to the latest letter received from ** *** I propose the following:
I will re-open this claim, contact MsGeck early next week and set an inspection of the property myselfI will arrange to have a structural engineer present to inspect the property and make a determination as to what caused the damages to the home.
I will bring with me a copy of the homeowner’s policy and all applicable endorsements.
Please contact the undersigned directly with any questions on this matter.
Sincerely,
***
*** ** ***Nationwide Insurance

I am writing again to inform you of such matter with Harleyville Mutual Insurance Company Only after the Revdex.com got involve did they send a claim adjuster out to look at the damage A few days later we recieved a checkA copy is inclose My name is incorrect spelledWe have not cashed the check So since Harleyville said they made such a a try to contact *** ***And did not get satification We have a new contractor with *** *** ** *** a licenced contractor who will be rebuilding the mail box for usa copy of *** *** estimation is enclosed
If the Revdex.com choose to call *** *** please feel free to do so ###-###-#### Our mailbox hade no depreciation I feel like we deserve more thant what Harleyville has offered us
Please help us to settle this matter so we can let *** *** rebuilt our mailbox
Thank you,
*** * *** ***

I, *** ***, along with my mother, *** *** spoke with NW reps in 12/when the policy was first processedI told the NW rep I had a lienholder & so did my mother (*** ***)We asked about collision insurance one because it's required by
law when a car has a lienholderWe stated our concerns that in the event of an accident, liability insurance is not beneficial because it does not cover the policyholders vehicle & it's a state law when there's a lienholderThe NW rep stated, "I understand." And DID NOT during the conversation tell us that NW DOES NOT provide collision insurance on cars yrs or olderWe spoke with NW REPS several times before reporting the accident & it wasn't until we filed the accident claim & spoke with the Claims Adjuster that the policy did not have collision coverageSpeciality was ready to process the claimI FOLLOWED UP NW this is when I was told, rudely, by a NW rep NW did not provide collision on cars yrs or olderWE WERE NOT MADE AWARE OF THIS WHEN THE POLICY WAS WRITTEN.
NW is lying when they say that I nor my mother did not mention the vehicle has a lienholderIt is REQUIRED BY LAWYou risk going to jail, get fined, or suspended licenses.
Both (I & my mother) were on the phone speaking with the NW REPSI was told they had recordingsI am requesting ALL transcripts.
Regards,
*** ***

We have received the complaint submitted through the Revdex.com by *** *** ***Ms*** has stated in the “Customer Experience Information” document provided to us, she has had two cats insured with VPI for the last years. She states both cats have had
catastrophic illnesses this yearAccording to her, VPI reimbursed less than 45% for the first cat and nothing for the secondshe is contesting the second claim. As of the date of this complaint, Ms*** has an active policy for *** *** ***, Policy Numb3er ***, but chose to cancel her policy for *** Policy Number *** as of September 16, 2015. We will address the contested second claims under policy number ***, however we would like to remind Ms*** that the Superior Plan works exclusively with a benefit scheduleWe respectfully refer Ms*** to section “Benefit Provisions-Plan E” of the policy: 4.A “We will pay reasonable and necessary veterinary services expenses for pet’s condition that occurs and is treated during the policy termTo be eligible for payment your pet’s condition must come within a primary diagnostic code listed in the Superior Plan Benefit ScheduleEach condition is eligible for payment under only one primary diagnostic code and any applicable secondary diagnostic code, per incident 4.B “The amount we will pay for any condition covered by this policy is determined by: (1) your veterinary services expenses, (2) the Benefit Schedule, and (3) your deductibleWe will pay 90% of covered veterinary services expenses up to a maximum of 90% of the Benefit Schedule diagnostic code that applies to your pet’s condition, less your deductible.” Review of policy *** for *** *** ***, indicate that three claims (claim #’s ***, *** and ***) were recently temporarily denied until additional information was submitted in order for us to process her claims correctly*** *** *** has several noted pre- existing conditions which are excluded from coverage on her policyDuring this initial review of her claims it was noted that the claims submitted were for the condition of severe chronic rhinitis which is also one of the excluded pre-existing conditions therefore we placed a temporary denial code on the Explanation of Benefits instructing the member to submit medical records to review this exclusion as well as the claimsTo date, this information has not been received Our policies do offer members an attending veterinarians the option to have claims reviewsSection “Review” of the policy states” “You may request a review: (1) if we deny your claim in whole or in part, or (2) to ask that we remove an excluded condition listed on the Declarations Page or Renewal Certificate of your policyYour report must be in writingYou must provide us with all medical records and any other supporting documentation upon our reasonable requestWe will not review request to remove any excluded condition unless the condition has been cured for at least six (6) months before the date of your requestAll review decisions are final.” In order to assist Ms*** with the review process we have attempted to obtain the medical records on her behalfOnce we receive the records we will be able to complete a review of the claims listed aboveThe review outcome will be sent under separate coverShould you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G***, at ###-###-#### or via email at *** Sincerely, Ben W*** *** *** *** *** *** ***

I disagree with Nationwide Insurance Company decision on not replacing my roof. The information that they provided about my roof is false. The roof is damaged from hail stormThe hail storm have blown off shingles from my roofThe water has seeped into the wood, causing water damage from the missing shingles from the roofI do not have a gasket and vent pipe problemNationwide has made up information about my roofThe missing shingles have caused many leaks, and wood damage to my roof, walls, and carpet damages in several roomsThe $2,dollars will not repair the roofThe money want even repair 1/of the roofThis money want cover the material and laborer to fix my roof. I have inside damages as well, due to the water leaks the hail storm have createdNationwide company has given me a raw dealThey need to make this problem rightNationwide need to give me the right amount of money to repair my roof and inside damages due to hail storm. Sincerely Yours,
*** ** ***

*** *** ***
*** *** *** ** *** ***
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***
Thank you for the opportunity to respond to the Revdex.com regarding policy
number #####for *** ***r and to address her concerns about the policy
This letter is in regards to the memo received on 06/19/
When *** *** purchased her policy she signed the application and agreed to the
terms statedThose terms expressed in detail that if she was to cancel the policy at her
request prior to expiration, the cancellation will be calculated as the unearned prorate
premium xThis is commonly termed Short RateI have attached a copy of the signed
application from *** *** agreeing to these termsPlease see page 6, lines 3-of the
Applicant Approval
I trust that I have addressed the issues within *** ***’s complaintIf I can be of
further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

A review of our records show that the Member started the quoting process and bound this policy via Nationwide’s website, Nationwide.com, on December 14, The policy remained in force until cancelling effective November 1,
for non-paymentThe last payment received was on September 3, in the amount of $A billing statement was sent to the member on September 21, by email at ***@mchsi.com and by way of the United States Postal Service indicating that a payment in the amount of $was due on October 14, On October 20, 2015, a Notice of Cancellation was mailed via the United States Postal Service as required by the Georgia Department of InsuranceThis Notice indicated that the policy would cancel effective November 1, if payment was not received by October 31, Payment was not received by the due date, so the policy did cancelOn November 6, 2015, a Payment Notice was mailed to the member via the United States Postal Service indicating that the bill for $represented the unpaid balance due for coverage provided from the June 14, renewal to the November 1, cancellation dateThe Notice also advised the member that if payment was not made, that it was possible a collection agency might contact her and that it could have a negative effect on her creditA copy of each document is enclosedThe member called Nationwide on February 16, 2016, indicating that her vehicle was inoperable and that she had cancelled her tags and had called Nationwide requesting that her policy be cancelledOur associate inquired as to when the member contacted Nationwide and on what date she cancelled her tags, but she was unable to rememberIn the State of Georgia, Nationwide requires a signed, written request from the member in order to cancel an insurance policy; whether it be through DocuSign or a Policy Cancellation Request form that we can mail or fax to the member for their signatureThe member indicated she had not signed a cancellation formAlso, a search of our Call Copy recording system shows that since September 3, 2015, Nationwide has received two calls from the member’s phone number ###-###-####The first call was on February 14, 2016, and lasted only thirty-five seconds before our associate advised the caller that she could not hear them and for them to call backThe second call was received on February 16, at which time the member explained her concern regarding the collection letter she had receivedAfter our associate was unable to find a signed cancellation form in our document repository and no documentation of a previous in-coming call, she advised the member that we could adjust the cancellation date if she could obtain documentation from the Department of Motor Vehicles as to when she turned in/cancelled her tagsThe member indicating that she was not willing to obtain the documentation needed and that she would contact the Revdex.com insteadAs was indicated to the member, the November 1, cancellation date of the policy can be adjusted with proof that the tags were cancelled prior to that dateOnce the member obtains proof, the documentation can be faxed to ###-###-####A cover sheet should be included with the Automobile policy number clearly stated on both it and the Department of Motor Vehicles documentThe cover sheet should also indicate that she would like the cancellation date of the policy adjusted to match the date the tags were cancelledOnce the cancellation date is adjusted, Credit Collection Services will be automatically notified of any adjustment to the owed premiumIf the date adjustment fully clears the balance owed, any additional credit will be refunded to the memberIf you have any further questions or concerns please feel free to contact meSincerely,

This is in response to the additional request from *** *** to have our calls pulled for reviewI had pulled and reviewed the recorded calls involving *** ***’s policy set up and based my prior response from those call recordingsOur response remains as writtenPlease refer to our previous response as it was a summary of those call recordingsIf 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,*** *** *** Customer Resolution & Response TeamNationwide###-###-####***