Nationwide

I have reviewed the response made by the business in reference to complaint ID ####, and find that this resolution is satisfactory to meIt's not perfect as I think the $balance should have been honored but I'll accept to get this ordeal over with
Regards,
*** ***

This response is extremely exaggeratedTo mention snow as a hindrance to getting a quote on my vehicle is ridiculousI was without a car for over weeks before we had any snow in ***
This is something nationwide does on a daily basisWhy not move a *** *** to a *** shop initially? My assumption is to cut costs, which delayed this entire process and left the customer (Me) without a car for months, while Nationwide was trying to save a few dollarsNow to hear this response, Nationwide is taking responsibility for this delay is very disappointingweeks? I will allow this claim to close and move all of my insurance business from this company as soon as humanly possible

This company believe that they can just charge whatever they like whenever they like bills that are not even valid and report you to collection agencies do not buy insurance from these is for instance I bought a policy with them paid for the entire months from July 25th - January 25th paid in full and because I cancel the policy on January 25th they think they can just charge me $more because they feel like it

I had an accident with my vehicle (not at fault) at the end of April and spoke with ***@nationwide.comHe was assigned to my caseHe reached out to me quickly and confirmed all the informal of the insured person's carrierThree months later, I finally got all the service that was due to me - by meI reached out to ***@nationwide.com on several occasions (June and June 10) to let him know that I was having problems with the at fault parties insurance carrier - *** -but he didn't respondActually, he only responded when I threatened to contact Revdex.comThis experience has left a very salty taste in my mouth about Nationwide Insurance and we are in the process of searching for another insurer

*** *** *** ***
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just what I thought they send me checks I cant cash and the customer gets screwed as usual,so I guess its ok they take money out of my accont and they get away with it yall suck just like all big bussinesses .thanks

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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 *** ***’s concerns If I do not provide the information you need for this matter, please do not hesitate to let me know
The *** ** *** Agency hours of operation, including agent ** ***, are Monday through Friday from 9:am to 5:pm, EST. During and after office hours, current and potential members seeking assistance by phone have the option to speak directly with the local agency or with our customer service center for policy assistance
Agent ** *** quoted *** *** the Nationwide homeowner policy discount at inception while *** *** attempted to repair required remedies to his home to qualify for a Nationwide homeowner policyThe original discount was correct as deemed by Agent ** *** based upon mutual understanding between *** *** and Agent *** that *** *** would meet the home remedy requirement to satisfy Nationwide underwriting guidelinesThe remedies were not completed within the ninety day binding review period, thus the Nationwide home discount was removed which increased the premium. *** *** contacted the *** agency with questions and the non-Nationwide homeowner discount was added to the policy, which decreased the outstanding balance to $
As for the referenced service issue, a billing statement was mailed to the confirmed address in the amount of $75.89. *** *** remitted a payment by MasterCard ending in #### on March 21, 2014. Nationwide customer service received a debit dispute request, from *** ***’s banking institution, in the amount of $33.00. The $33.00, per *** ***’s request, was refunded to the MasterCard ending in #### on May 7, 2014.
Policy number ###### cancelled on May 15, with an outstanding balance of $33.00. The final balance is correct and warranted. The agent operated in due diligence of a potential homeowner policy of which *** *** was aware, thus a write-off is not a permissible agreement in this matter.
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,
*** ** ***
*** *** *** ***
W| ###-###-####

Dear *** ***
Thank you for contacting Nationwide Bank in regards to the interest rate and payment amountbeing increased on your automobile loanIt has been determined that the interest rate has been increased to 24.99%, which in turnincreased the monthly payment to
$due to the status of unobtainable titleThePromissory Note that you signed upon closing this loan has a clause that states: Upon maturity,whether scheduled or accelerated by the Lender because of my default, the Interest rate on thisNote shall be increased to 24.99% per annum" and under the Defective Collateralization sectionit states: This Note or any of the related documents ceases to be in full force and effect(including failure of any collateral document to create a valid end perfected security interest orlien) at any time and for any reason." Per the notes on the account, as of June 18, 2014,Nationwide Bank had not received the title on the Audi A5.After reviewIng the loan account notes and the documentatlon you forwarded to the bank
related to the Department of Motor Vehicles Investigation regarding the dealership (VIP Motors,Inc.) being out of business, the loan rate has been adjusted back to 2.90% with an effective dateof June 18, If you have any further concerns regarding this complaint, please contact me at ###-###-####,Monday-Friday, 8:AM - 3:PM, ESTThank youSincerely,
*** *** *** *** *** ***

Rejecting.Only one check was received for deductible and that was a couple of months agoMy insuarance has never been canceled I have been with *** *** for years *** *** *** are partners , if thats what they call it and payments are payroll deductedEither way I did not cause the accident and should not have been responsible for anythingThe mention was a deductibe from an accident the following year for medical payment involving another nationwide clientI still have the estimate from *** and the accident reportI can also pull check stubs and and show insurance payroll deduction and should be able to go to metlife web site and print docsJust email me a fax numberI got the message from *** he called whileI was at work I called the next morning and left message still no call back*** and Nationwide are partnersThat entire situation seemed like a rip offOnly a few months after *** fixed my car the paint started coming off I called *** about it and took car (nissan murano) by there and he claimed I hit somethingThere were no dents at all just a bad paint jobI call about days later but didnt let *** a few day later but didnt let him know who I was and asked how long does he warrany his work, his response was how long do I need him toCrooks...Nationwide and ***Let me know if you need any information faxed I will fax what I can find

*** ***
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*** **
This is in response to your August 29,
correspondence concerning the above captioned claim
A review of our file indicates that this loss was reported to Scottsdale Insurance Company on January 17, It was alleged that the claimants’ vehicles were damaged as the result of our fireworks show on July 4,
Our claim representative investigated the matter, speaking with our insured, the claimants, and body shopsWe did not find evidence of liability on the part of our insured, and issued a denial of liability to the claimants on April 11, On May 9, 2014, *** *** responded in writing with concerns about our investigation and outlined the parties he had contacted, including his body shop and the Sheriff’s departmentOur claim representative attempted to contact *** *** by telephone to discuss, but he was not home and a message was left with *** ***We sent a response to his letter on May 22, confirming the parties that we had contacted in our investigation
On June 13, *** *** wrote us again, to provide witness information for statementsWe began attempts to obtain those statements via telephoneMultiple calls were made to, and voicemails received from, each of those parties from June through JulyDue to the difficulty we were having connecting with the witnesses by telephone, we hired an independent adjuster, *** *** *** to assist is in securing those statementsWe received their initial report on August 18, 2014, outlining the statements that they had secured
We are currently working to revisit this matter with our insured to confirm the operating guidelines for this fireworks showOnce we have had this follow up conversation with our insured, we will make our liability determination and respond to all claimants directly
We trust this explains our handling of this claim to dateHowever, should you have any questions or require further information please contact me; toll free ###-###-####, extension ####
Sincerely,
*** ***
*** *** ***
Extension ####

I reject the response from Nationwide Advantage Mortgage.
This complaint was made to the Revdex.com for the purpose of addressing and the potential resolution of the issues regarding a Contractual dispute & improper servicing issues.
This is not a complaint to advise the Revdex.com of what happens in a foreclosure proceeding or decide on legality issues, it is to notify, address and preserve the solidity and credentials of Nationwide Advantage Mortgage Company, "NAMC/Nationwide" as a Revdex.com accredited business acting in compliance and good faith to be a reputable, fair dealing business that provides consumers with certain standards of practice such as transparency, honesty, full disclosure of Contracts, honoring terms and effectively fixing mistakes.
The contractual disputes of this complaint are the following:
Nationwide as a company, services and acts as the Lender to a certain Contract and it's terms given to *** ***, the consumerThe contract was for the purchase of property.
The contract is parts; Note Mortgage
The terms of Paragraph of the NOTE state- " In return for a loan received from Lender, Borrower Promises to pay the principal sum of $71,231....to Lender"
The terms of Paragraph in the NOTE state- "Borrowers promise to pay is secured by a mortgage....or similar security instrumentThe security instrument protects the lender from losses which might result if the borrower defaults under this note."
The terms in the MORTGAGE, first sentence, state :
" THIS MORTGAGE (security instrument) is GIVEN June 29th, The mortgagor is *** ** ***, unmarried."
The MORTGAGE states it is a uniform security instrument covering real property(which is our property at *** *** *** *** *** *** ***)
To keep THIS complaint "transparent" and easy to understand I will speak in layman words
The terms of these Contracts combined hold that the Lender, Nationwide, had given a mortgage and secured the property as collateral to protect Nationwide from their loss if the borrower, *** ***, would default and not re-pay the loaned funds of the Note which were used to purchase the property secured.
After discovering certain facts, it has been found the Contract was irreparably broken from it's inception and over the course of EIGHT years Nationwide had misled their Consumer*** *** believed he was paying for what Nationwide's contract had provided him, a home, propertyHe had been paying a company but not for any secured property, for no property had been securedHe had been paying SOMETHING, but it is not know for whatWhat had been found -years after the contract was agreed to- was that the funds from Nationwide's loan had NOT PURCHASED NOR SECURED THE PROPERTYThe previous owners were ***'s parents, the "sellers"*** had inherited & taken the property freely, ***'s then Boyfriend, *** ***, the "buyer" took his interest to the property with a loan to payoff what the ***'s parents had still owed to their lender, ** ***Nationwide had incorrectly used *** ***s loan funds and FAILED to pay off what the sellers still owed to ** *** so the property remained UNsecured as to to *** ***, *** ***, OR Nationwide.
In years time, Nationwide did gain a secured position but only because ***'s parents paid off ** ***. The FACT STILL REMAINS THAT NATIONWIDE is and was the responsible party to uphold their obligations to the contract and SOMEONE ELSE PAYING OFF WHAT NATIONWIDE WAS REQUIRED BUT FAILED TO PAY and never addressed or disclosed WAS an absolute undeniable breach of contract
It has been evidenced by factual documents and PROVEN that Nationwide's contract with Consumer *** *** was VERY misleading, VERY deceptive, and VERY VERY un honestUpholding the consumers promise of the contract, *** *** had been paying Nationwide for what his contract afforded; his Fee simple, unencumbered individual right to ownership of the property but unknown to him until recently that was all false
Nationwide had not at one time in eight years disclosed this to *** ***Nationwide had sent a mortgage bill for EIGHT YEARS and several threats during hard times demanding payment of the home loan or Nationwide would foreclose, when the whole time Nationwide had knowledge they COULD NOT legally foreclose, not without first paying ** *** like they were required to do, but failedNationwide made a loan modification after a hardship in which required a title search of the property per HUD & Nationwide's guidelines and a tax return from *** to verify employment & proof of marriage
-The title search would clearly show the ** *** mortgage from ***'s parents was still unpaid, NEVER satisfiedThat was covered upNationwide made a assignment of the loan to MERS which reflected Nationwide no longer held the loan or was mortgagee of the propertyNationwide admits, NOW, after ** *** has been paid off that the assignment was an "unfortunate error". Nationwide was at risk to not only have exposed the laundering and misplacement of money, but the issue of how they were going to make a modification of an FHA loan and receive Government insurance proceeds for making that modification when it is indefinitely NOT permitted by HUD for a lender to even have an FHA insured loan on encumbered property which the lender would not be able to convey to HUD for say the instance of foreclosureFHA insurance is for the purpose of Government reimbursement TO lenders for their loss of money lent purchasing the homeNationwide had no loss, and COULD NOT convey a clear title to HUD because ** *** had First lien position of the property with ***'s parents still unpaid VA insured loan yet Nationwide covered this up, reported information for Government proceeds instead of fixing any of these problems and to this day they "deny any wrongdoing" when ALL I have said is documented and provenNo one did any of these last few mentioned things except for NationwideIt took us well over a year to figure all these things out in our tiring search to track down where *** ***'s loan funds had really gone (which we still have not for certain) and all this sounds so outrageous we are unheard, belittled and just emotionally dumbfounded as consumers when we have proven this, asked Nationwide for help or understanding or SOME KIND of explanation, but in the end just under the foot of "Big bank does no wrong" "We are in compliance - your a bum homeowner looking for a free house" and boomThey take our home! .......How is that for customer service & servicing issues?
- *** ***'s tax statements requested by Nationwide undoubtedly proved he was married to *** as they were filed JOINTLY in both *** & ***'s namesNationwide was discriminate to the fact *** was married and refused to put ***'s name on that modification in Aside that being alienation of property by failing to obtain the signature of a spouse in jointly owned property it voids a contract under *** LawNationwide was further hiding the fact they held a "loan"- fabricated or not- on a home that only had ONE owing spouseNationwide has been intentionally ignorant and discriminate of ***'s marriage to avoid inclusion of ***'s interest in the property yet they possess receipts from almost ALL payments ever made since that bear the name only that of *** as sending pymt
Nationwide never fulfilled their contractual agreement of securing the property for a loan AT ALL but continued to make Consumer *** *** believe they didBecause *** & *** both had an interest in the property Nationwide's non payment to ** *** effected them bothIf death or tragedy would have struck ***'s parents before when ** *** was paid off, and ***'s parents would have not been able to payoff ***, ** *** had the legal right to take their home when *** & *** AND *** * *** *** had believed that *** mortgage was PAID OFFInterestingly enough the loan Closers have personally stated several times upon being questioned by *** AND the **Commissioner of Insurance office that they had paid off ** *** in at the closing which has been founded to be untrueThe closers never disclosed the misplaced fundsNationwide never disclosed the misplaced fundsWe never knew about the misplaced fundsWe were only years old in and it would seem whoever knew about this scheeme just "let it ride" but the very real end result was two teenagers SO TERRIBLY MISLED AND DOOPED that one (***) ended up actually loosing the "on paper" interest to the title of her home and the other (***) was tricked into signing a contract to pay a $70,mortgage for a home that a totally different bank was still owed money for he didn't know about, he never got clear title like he was supposto and someone else got the money he has been paying back all this time
In *** ***'s reply, paragraph 4, she points out the loan was originated with *** *** *** *** and thereafter Nationwide bought the loan*** stated "Any issues surrounding a delayed payoff of the loan with *** *** *** *** and ** *** at the time of origination would have to be resolved with *** *** *** and ** ***."
***'s statement is fatally incorrect in application to THIS contractual dispute complaint as NATIONWIDE is the company to which SHOULD HAVE RESOLVED - NINE YEARS AGO why there was any late payoff at all! Nationwide is the party that has not upheld the very terms of their contract they seek to enforce now by taking our home*** *** *** *** were not a party to the Note & Mortgage nor were they required to make a PAYOFF to ** *** because *** *** entered into a contractual agreement where the "LENDER" pays or instructs someone acting under them to pay off any liens to provide CLEAR title so the lender has a first lien position and secured the home*** *** was not just handed $70,to go buy a home*** *** was given NO direct loan funds at allThe "lender" DIRECTLY paid whomever they did which is unknown despite our grave efforts, but whom ever it was, it sure was NOT ** *** as required NOR was it any CONSUMERS job to insure that! Consumers pay LENDERS, companies, and businesses to do these things as consumers are not knowledgeable of them! When the companies screw things up, or make mistakes, or commit fraud, it is the companies liability! It is outrageous to blame other places or especially the CONSUMERS! Ridiculous! Nationwide fights to enforce this contract for their benefit but will not accept liability to the errors of it! Wrong! wrong! wrong!
THE FACT remains, that Nationwide is the entity in material breach of their own contract by not assuring the delivery of their consumers funds to adequately and legally purchase the property to secure it for their consumers benefit nor even their own as it was required within it's terms.
The FACT remains, Nationwide is not a small company, they have a legal team and and an underwriting department that preforms quality control and keeps their operations within Government and banking regulations as well as their own standards for the solidity of their practices.
Nationwide's responsibility of checking consumer loans bought on the second market from originators such as *** *** is only their ownNationwide is the party with the obligation to resolve any "delayed payoff" as that matter is internal and of utmost importance to their own benefitA company that does not insure they are buying lawful, legitimate loans cannot accuse the CONSUMERS for their ERRORS and undue diligence. Nationwide APPROVED the underwriting of this loan a month before it even closed per HUD's records obtained via FOIA.(freedom of information act) Nationwide can not just rely upon saying they only bought the loan after the fact and blame someone else because Nationwide was the company that approved the loan AND submitted it to FHA to be insured! *** *** was only a BROKER that ORIGINATED loansNationwide has put us through *** and forced us as consumers to spend hours upon hours and MONTHS to track all this down when I have no doubt if the ** *** mortgage would have not been paid off they would have then done all this because it would effect their agenda to foreclose negativelyNo consumer protection for *** ***, only interest to their own advantage.
We in receipt of Emails, phone records, QWR's to Nationwide for over a year; we have asked them for help, asked them where the money went, asked them why they never addressed many errors NUMEROUS times like why they were TAKING EVERY MONTH our extra payments we had sent them for principal reduction and applied them to made up fees such as "corporate advance fees" FOUR property inspection fees in ONE month! Month after month! They "deny wrongdoing" and say they service the loan in compliance with regulations & laws but have REFUSED to look into why their own company has been collecting money from *** *** who WAS NOT GIVEN THE MONEY, NOR A HOUSE PURCHASED WITH THAT MONEY they are trying to take!
In regard to *** ***'s ownership of the property, that is not in dispute, or should not be and was previously addressed. It is not the position of any respectable company nor person to destroy a Mother and Father's natural passing of property ownership rights to their childThat type of Natural family interest comes before and is superior to any right of a mortgage LIEN and in ***, any property that is gifted or inherited is NOT community property and that is Nationwide's basis of how they can "cut off" ***'s interest in the property as they claim she ONLY has a MARITAL interest through *** *** and because he is a borrower they can foreclose that interest of hersThey deny they had knowledge of ***'s "interest" in the home yet have the original application THEY APPROVED stating she was a joint owner, listed on title, but NOT a borrowerThat application has since been tampered with and her named removed without her or *** ***'s knowledge
Nationwide lacks the knowledge and skill to fully resolve this one issue in particular and has offered *** the personal option of accepting a now $95,modification for a debt she DOES NOT OWE, for a home she already owns OR they will foreclose, which they are- AREYOUSTINKING. KIDDINGME?
Nationwide has accelerated the foreclosure and attempting to have my family physically removed from our home on August 20thWith any hope for what is Good and right, and JUST, they will NOT do this AND ACTUALLY ADDRESS THESE HEREIN ISSUES! With any hope, the Revdex.com will look into these issues as well and reevaluate their accreditation of Nationwide as one would hope these actions are not supportedI have EVERY document to PROVE FACTUAL what I have stated in this complaint plus SEVERAL SEVERAL others that include forgery, misstatements, Nationwide's attorney admitting their breech of contract upon selling the loan when that was also not within the terms of their assignment contract but these things are not founded in this complaint but will be produced upon request
Sincere apologies for the length of this responseThis is no little problemAny additional needed documents or proofs for the Revdex.com's review of this complaint can be requested and provided by us quickly.
Thank you for your time
*** *** & *** ***

I switched my auto policy from *** to Nationwide in the begining of because my insurance rates kept on increasingAt first, when I called Nationwide I was given a price quote of $134, however when I called back Nationwide to switch my policy I was told the price is now $based on the fact that I moved to a different state and I had a new state drivers liscense for less than a yearI was told that my pass driving record from a different state did not count towards me getting lower insurance rateAlso, the agent stated that North Carolina's law states that your driving record starts when you recieve your North Carolina's state drivers licenseEventually, I covinced the sales agent that I will go else where if I wasnt given the rate at $134, evenso, a year later my rate increased to $I reached out to nationwide and asked how could my insurance rate increase to if the value of my car is depreciating plus my driving record is pretty cleanThe representative told me it was due to inflationI am not sure what inflation rate was use to give a $increase in my rate Few weeks ago my new rate was $and at this point I decided that Nationwide has overcharged me enough and I sought out other insurance companiesMy new rate from a new insurance company is $and I was told that my prior driving record from another state along with no accidents or speeding tickets was taken into consideration to determine my rate Not sure how what factors Nationwide use to keep on increasing insurance rate on a depreciating car who's owner has never been in an accident or ever recieved a speeding ticketI would like Nationwide to refund what they have have overcharged me

Good afternoon,
I am writing in response to the complaint number referenced aboveIn researching the accounts, I found that the complainant has had two closed Home Equity lines ofCredit with Nationwide BankOn today's date, we overnighted the Satisfaction of Mortgage
documents to the county in which theproperty is located for each of the two lines of creditWe also emailed the complainant copies of thesame documents and provided the FedEx tracking number for the package that is being sent to thecounty of residence for the complainant.I have spoken with the complainant multiple times and kept her aware of the progress in the resolutionof her concernsWe consider this matter resolvedPlease feel free to let me know if there are further questions orconcernsSincerely,

*** ***
*** *** *** *** ***
*** *** *** ***
*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
*** *** ***
*** *** ***
We
have reviewed the inquiry from *** *** *** ***’s inquiry is regarding premium increases on her auto policyHer auto policy was originally effective with our company on January 15,
At the time *** ***’s policy was written, she had requested lower Uninsured Motorists Property Damage limits, (UMPD)A completed rejection/selection form (attached) was required to be completed and returned to the Company before this change could be completed
This form was not received, and as such, the UMPD limits were raised to match the policy limits pursuant to *** lawThis change effective January 24, caused an increase in premium of $
After *** ***’s auto policy was issued, her independent insurance agent requested $5,of medical payment coverage to be added to her policyThis change effective January 15, created an increase in premium of $
If *** *** would like to lower her UMPD limits, we ask that she submit a completed rejection/selection form (attached) and return it to our companyOnce the form is received, we can amend her policy per her request
Additionally, *** ***’s auto policy is a 6-month policyHer policy renewed on July 15, 2014, the renewal premium was $Her renewal policy was affected by a *** auto base rate changeThe difference of her old policy term and renewal policy term is $
We appreciate the opportunity to review *** ***’s auto policy and ensure the procedures were in accordance with *** lawPlease feel free to contact me if there are additional questions
Allied Insurance, *** *** *** *** *** *** *** *** ***
Sincerely,
*** ***
*** ***
Allied Insurance, a member of Nationwide Insurance
###-###-####
***

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*** *** ***
*** *** *** *** ***
*** ***
*** *** ***
*** ** ***
*** *** ** *** *** ***
*** *** ***
This letter is to serve as a formal response to the complaint filed by
*** *** **
***
with the Revdex.comThe complaint was regarding her *** ***
**
Deferred Compensation Plan, administered by Nationwide Retirement Solutions
(Nationwide)
The facts pertaining to Nationwide's handling of this account are as follows:
The situation began when *** *** was attempting to fax an Unforeseeable
Emergency request form to our officeOn July 15, 2014, *** *** contacted our
Customer Service Center at 4:p.mEastern Time to check on the status of a fax
that she had sent earlier that dayThe representative *** *** spoke with advised
that it had not yet been received, but that it was sent to the correct fax number, our
main fax line, which the representative also confirmed was ###-###-####
At 5:p.mEastern Time on the same day, *** *** spoke with ***, who
again, confirmed the fax number was correct, but also provided her with an alternate
fax numberThis fax number belonged to the ***'s supervisor and faxes to
personal numbers arrive via e-mailThe fax was received at 5:p.mEastern Time,
but unfortunately, by this time the supervisor had left for the day so the fax could
not be retrieved from their e-mail until the following morningAdditionally, ***
forgot to notate *** ***' account after they spoke
At 5:p.mEastern Time on July 15, 2014, *** *** spoke with *** who
confirmed that the initial fax number was correctHe advised that he did not know
why *** had provided the alternate fax number; *** had not made a note on the
account to indicate what transpired in the conversation with *** ***, and ***
is on a separate team and was not aware of what ***'s supervisor's fax number
was*** provided *** *** a new, alternate fax number for a different
supervisor who was in the office at that timeThis fax was received at 6:p.m
Eastern Time and forwarded to our Processing Team for review
In summary, the representatives *** *** spoke with throughout this specific
situation did in fact provide her with correct fax numbersHowever, there was a
lapse in communication between our associates that resulted in a delay of our
receipt of *** ***' paperworkWe have provided feedback to the associates involved to prevent future situations ofa similar natureI hope you find this information helpfulIf you have additional questions or concerns,please do not hesitate to contact me directly at ###-###-####, ext####3, weekdaysfrom 8:a.mto 6:p.mEastern Time and I will be happy to assist you
Sincerely,
*** ***
*** ***Nationwide Retirement Solutions

">
This letter is in response to the inquiry received from your office on July 23, 2015. We understand that Mr*** is concerned about the timeframe of his vehicle repair. We were concerned about the repair timeframe as well. We also understand that his vehicle may be out of alignment. Regarding the wheel alignment, our field associate estimated and paid *** *** for a wheel alignment on his original estimate. I reviewed this with Mr***. Mr*** indicated that he had not addressed this issue with *** ***. As the alignment was estimated and paid for, this would be a quality of work issue with *** ***. Mr*** reports that his check engine light came on. I reviewed this issue with him by phone on July 23, 2015. I explained that the cause of the engine light coming on needed to be identified and if found to be accident related, it would be covered under the claim. He explained that he would take his vehicle to a Volkswagen dealership to have the issue diagnosed and call me to review. If there is any additional accident related damage that we are not aware of, we are happy to address it with Mr***. Mr*** requested that he be paid for lost income while his vehicle was in the shop being repaired. Mr*** drives for *** *** *** which is why he would lose income. Carrying persons or property for a fee is specifically excluded in the policy. Therefore, we would not pay Mr*** for any lost income while the vehicle was being repaired
Regarding the delay of repairs, we believe that *** *** is responsible for the delay. On April 14, 2015, Mr*** reported his claim to Nationwide Affinity Insurance Company regarding damage to his Toyota Prius. He reported that the accident occurred on April 1, 2015. On April 14, 2015, Mr*** was involved in a second occurrence which caused additional damage to the Toyota Prius. The vehicle was towed from the scene of the accident to Mr***’s shop of choice, *** *** in *** *** *** Both claims were assigned to the field associate on April 14, 2015. On April 15, 2015, the field associate contacted the customer by email and voicemail. The initial inspection occurred on April 20, 2015. The field associate wrote two separate estimates and issued payment on both claims to Mr*** and *** ***. The customer was provided a copy of both estimates by email. The field associate left a message for Mr*** on April 20, as well. The field associate reinspected the vehicle on May 14, 2015. He found that the only work *** *** had completed on the vehicle was to remove several of the damaged parts; no repairs had been started. The field associate did not observe any additional damage to the vehicle that would require a supplement. Upon observing that *** *** had not begun repairs, the field associate alerted Mr*** to the issue. Both the field associate and Mr*** had difficulty in reaching *** *** to receive updates on the repairs of the vehicle. The field associate stopped by *** *** on multiple occasions to inspect the vehicle and the shop was either closed or was told the vehicle was not at the shop. Mr*** had to go to the extraordinary measure of having Toyota track his vehicle’s location by GPS. This occurred over the span of a couple of weeks. On June 11, 2015, *** *** alerted the field associate that the repairs to the vehicle were complete. The field associate made several attempts to reach *** *** to obtain a copy of the supplement but was unsuccessful. The field associate was able to reconcile the supplement on July 8, and make final payment. While we can appreciate Mr***’s concern regarding the length of time it took to repair his vehicle, the delays were caused by *** ***, not Nationwide Affinity Insurance Company
If you require further assistance in this matter, please contact our Customer Relations Coordinator, Gerrie H*** toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Brad S***
*** ***
Nationwide Insurance Company of America
Phone: #########
Email Address: ***

Thank you for your recent inquiry regarding a complaint you received from Ms*** *** regarding a loss on September 17, on the above referenced policyI have carefully reviewed the appropriate file(s) and provide my findings below:Nationwide Mutual Fire Insurance Company is
dealing with Ms*** in a professional and courteous manner Our investigation is ongoing Additional information from Ms*** is required to move the claim to its conclusion This information has not yet been received.We have been responding to Ms*** as quickly as possible and have paid all claim benefits that have been verified to date. Additionally, the name and contact information of my manager has been provided to her. If you have any further questions, feel free to contact me at ###-###-####.Sincerely,Ronald H*** *** *** ***Nationwide Mutual Fire Insurance Company

This letter is in response to the rebuttal of *** *** regarding our previous resolution sent
Regarding the addition of *** *** to the policy:
On December 23, an email was received from Customer Service advising a call was received on this policy from ***She said she was married to the policy holder. Since she was not rated on the policy, the referral was sent to RET to investigate.
A memo was sent out on the policy on January 8, requesting additional information from the agent, about the unlisted driver. Due to no reply, the driver was added with a surcharge and policy was flagged to non-renew. A letter was issued to the policy holder on February 7, advising driver was being added
Regarding the multi-line Discount:
Customers may be eligible for the Multi-line Discount, if a household member is the owner of a Nationwide Financial Services’ Life or Annuity policy written and/or serviced by a Nationwide or Allied Agency
Because we were unable to verify a Nationwide Life or Annuity policy for Mr*** his automobile policy was deemed ineligible for this discount. If Mr*** owns a Nationwide Life or Annuity policy please advise and the policy will be reviewed for eligibility
Please let me know if you additional questions or concerns regarding this matter

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This letter is in response to the additional information received for the complaint filed with your agency by *** *** regarding her automobile policy. *** ***’s policy was a semi-annual policy that began effective February 28, 2014, and cancelled at the request of the policyholder effective May 28, 2014. The policy declarations pages provided by the policyholder indicate she obtained alternate insurance effective May 28, 2014.
Nationwide charged $in premium for the time the policy was active, plus one $late fee, for a total amount due of $944.20. Nationwide received three monthly installment payments totaling $781.30, which left a balance due of $162.90. The collection balance of $is owed for the coverage providedThere is no additional premium adjustment available for *** ***.
If you should have any other requests or questions regarding this matter, please contact Colleen Flack at 1-888-999-0263, ext489-8226.
Sincerely,
*** *** *** * *** *** *** ***
Nationwide Insurance Companies

I tried to call the number listed for *** *** ** *** and in the recording it is the "Perfect Arch Groomer order line"*** *** was NOT aware of the *** *** agency closing EARLY daily at 4:and the agent *** NEVER returning my callsHe NEVER assisted me in acquiring a homeowner's policy with a broker from Nationwide eitherNO help whatsoeverthe repairs to my home WERE completed and finalized so that had NOTHING to do with the fact that the agent NEVER made any calls to these brokers he had me callSome of the various places he had me call wanted to speak with him directlyI was forced to acquire homeowner's insurance elsewhereNationwide received payment for my Toyota Camry on 9-30-for prior to me adding the truck on November 15th, when *** gave me the quote of and I paid additional monies of in March of a representative from *** *** ** informed me I owed ONLY on 2-24-and Nationwide issued the credit for likewise since that was clearly an overpayment*** was VERY unprofessional and NEVER one to return calls at allhe was too busy trying to get some baseball game the very day he quoted and wrote my policy on November 15th, Regards,
*** ***

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Thank you for contacting Nationwide Bank regarding your closed loan account
I apologize for the frustration you experienced
during the phone conversations with our
lending department and for a supervisor not returning your call per your request
First, I want to address the dates on the overage check and the attached letterThe
payoff check from the dealership posted to your Nationwide Bank loan account
########) on July 11, 2014, with an effective date of July 7, However,
please have peace of mind that with the payoff reflecting an effective date of July 7,
2014, interest stopped accruing as of that effective dateThe overage check, in the
amount of $99.35, was released ten business days after the payoff check postingThis
allows us time to verify payoff funds prior to releasing fundsTherefore, the letter
attached to the overage check reflects the tenth business day which was July 24,
For accounting purposes, the overage check is generated and dated for the date the
loan balance is paid in full, which was July 11, Nationwide Bank was within their
service level agreement
Second, the phone conversations that took place between you and our lending
department dated July 11,and July 24,were reviewedOn July 11, 2014,
the lending representative confirmed that the payoff from the dealership had been
receivedYou were not provided with a reason as to why the payment was taken from
your external account, but were informed that you would receive a refund checkThere
was no mention when the refund check would be sent
On July 24, 2014, it was explained that the refund check would be sent ten business
days after the loan is paid in full and closedYou were told that the check would be
mailed on July 28, You asked to speak to a supervisor and after waiting on hold
for several minutes, you were transferred to a supervisor's voice mallUnfortunately,
the supervisor has been out of the office due to personal reasons and unable to
return your call
I apologize that the lending representative did not provide you with an expected date to
receive the overage check and that another supervisor did not contact youYour
feedback was provided to the appropriate manager in order for training and coaching to
be providedWe appreciate your feedback and will continue working on improving our
customer's experience
If you have any further concerns, I can be contacted at ###-###-####, Monday - Friday,
8:AM - 3:PM, EST
Thank you
Sincerely,
*** ***
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