Nationwide

"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">Dear *** ***,
Thank you for contacting Nationwide. This is a response to the Customer Complaint you filed with our Customer Advocacy Department on April 28,
Policy *** *** had the *** *** Discount added effective the December 21, renewal. A Renewal Declarations advising of the *** *** Discount was mailed to the address on file of *** *** *** *** ** ***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 *** *** ***, they confirmed that *** *** has never been a member of their *** *** and she has never paid any dues. The representative stated a letter was mailed to the member explaining she was receiving the *** *** 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 *** *** Agency removed the *** *** Discount. The change increased the 6-month premium from $to $and increased the unpaid balance by $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 *** *** ***. If *** *** wishes to apply the *** *** Discount back to her policy, she will need to become a member of the *** *** *** *** is welcome to contact her local *** *** ***, at ###-###-####, to discuss the information on file. Please keep in mind, *** *** 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, *** *** at ###-###-####, or by email at ***between the hours of 8:AM and 4:PM
Sincerely,
*** ***
*** *** *** ***
Nationwide
###-###-####

I have had insurance with Nationwide for year I have no accidents or tickets I have three vehicles and have not had any issues with Nationwide until two weeks ago I found out by my agent that Nationwide was going to add my year old son to my policy My son came to visit months ago and I helped him get is DL Yes it was is 1st DL He was deciding if he was going to stay with me or move back to *** where he lived with his dad and grandmother He decided to move back to *** Nationwide said that I had to show proof that my son lives in *** and gave me day or they were going to add him to my policy and charge me a penalty on top of canceling me at the end of my policy term This was so upsetting to me because I have been a good customer!!! I send Nationwide my son't proof of residency for *** and everything should be worked out (not completely sure yet) I feel like I was treated unfairly and that this insurance company can do what ever they want to I am NOT a happy customer By the way I have never in years wrote a complaint about any business My policy number is ***

This letter is in response to the complaint filed with your agency by *** ***
regarding the past due payment owed to Nationwide and effort to collect the debtI
have reviewed the details of the policy and will be happy to respond to the concerns of
our policyholder
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In his correspondence with the Revdex.com, *** *** states that a
Nationwide Homeowners policy was issued for him without his knowledgeHe states
that he requested that it be cancelled and that he was still billed for a portion of the
premiumHe indicates that the account was eventually sent to the Collections
department*** *** has requested that his Nationwide Homeowner policy is
cancelled back to the date of inception and that the collections efforts are terminated
I have confirmed that *** ***’s policy has been cancelled back to the date of
policy inception- September 30, and there is no money owed on the accountThe
Collections department has been advised to close the collections accountThey will be
sending *** *** a closure letter
I sincerely apologize for the inconvenience that this matter has caused ***
If we may offer any further assistance in this matter, please contact our customer
advocacy coordinator, *** ***, toll-free at ###-###-####, ext#####, direct
at ###-###-####, or by email at ***
Sincerely,
*** ***

*** *** ***
*** ***
*** *** *** ** *** **
*** *** ***
*** ** ***
*** *** *** ***
*** ** ***
*** *** *** *** *
We are responding to your follow up inquiry regarding Mr***’s complaint concerning his property damage settlementIf I do not provide the information you need for this matter, please do not hesitate to let me know.
Regarding the maintainence and repairs to Mr***’s vehicle, we had previously acknowledged Mr***’s request to consider these items we valued his vehicleFair consideration was given to any service work which was completed within recent time of the accident date.
In regard to the comparable vehicle information, we did give consideration to any information provided to us related to the value of Mr***’s vehicle, However there were no additional facts which indicated that the value established by our market survey was not appropriate.
After further review of all facts related to this matter we feel that settlement offered, and paid to Mr*** was fair and appropriate
Thank you for bringing this matter to our attention. If you should need additional information related to this matter please contact me.
Sincerely,
*** ***
** *** ***Depositors Ins Co###-###-####

Dear *** *** *
Thank you for the opportunity to respond to the Revdex.com regarding policynumber *** for *** *** *** and to address her concerns about the policyOn 03/15/2011, *** *** purchased a six month insurance policy from * * *
***
*** *** with a bill plan of 16.7% down and installmentsThe policy last renewedinto the term beginning 09/15/when the renewal offer was accepted with therenewal down payment in the amount of $paid on 09/13/On 10/31/a Notice of Installment Due was mailed to *** *** advising her that thesecond installment payment of the term was due on 11/15/in the amount of $On 12/03/we received a signed request to cancel the policy effective 11/24/2014.On 12/04/the request was reviewed and processed per the request received on12/03/Our company processes all mid term cancellations at the customer's requestas a short-rate calculation or unearned pro-rate premium x This process has beenfiled and approved by the *** Department of InsuranceUpon cancelling the policy at *** ***' request, a remaining balance of $showeddue on the policyThis balance included $for coverage extended up to thecancellation date and $for the short rate calculation*** *** had a payment dueon 11/15/that was not paid and coverage was provided until the selectedcancellation date of 11/24/As an accommodation to *** ***, the $shortrate calculation has been removedThe only amount owed now is for the coverageprovided up to the cancellation date totaling $In reference to the fluctuating due dates on the policy, the bill plan *** *** selectedrequires a payment to be made every daysIt states in the policy document mailed on03/11/and 03/18/that our company reserves the right to impose a fee if thepremium is not paid by the due dateWhen the payments were made after the stated duedate, listed on the installment notices, a late fee was assessedI trust that I have addressed the issues within *** ***' complaintIf I can be of furtherassistance, please contact me at ###-###-####Sincerely,*** *** *** *** *** *** ***

I had automatic payments taken out every month for almost a year for car insuranceUntil I was a victim of credit card fraud and my card was cancelledI called and put a new credit card on fileNationwide then canceled my account and refused to reopen it and told me to try *** ***

I am rejecting this response because: They lead me to believe information that they did not verify, They should not call people to solicit business and lie to them in order to get them to change insurance'sThey didn't provide me with any coverage they are just cover up there mistake I want other to see my complaintI have paid this company a ton of money over 5-years and they are not loyal to the loyal customer and I feel people should know that, my hope is to keep consumers from purchasing insurance on falsified informaiton people should not be trusting of Nationwide they are NOT!!!! on your side and they falsley advertise that they are
Regards,
*** ***

the issues of the statements made have not been addressedThey have not even been mentioned
The issue of my being invoiced for premiums for the policy (and those checks being cashed) have not been addressed
The previous policy had premiums at a higher level then my new policyTherefore a refund would STILL be owed to me, and I should most certainly not have been invoiced
I do not believe that Nationwide has taken this issue seriously at all
therefore I feel I am not left with any option other than to take up the matter with the Insurance Commissioner for ** and look to file a legal claim
Regards,
*** ***

This is in response to the inquiry received on April 21, for the above policyholder and her property policy
"margin: 0in 0in 0pt 0.5in;"> Ms*** has expressed concerns on our Company’s calculated replacement cost and that it was increased after the personal property policy was purchasedOur Company’s application for a personal property policy states that Nationwide Mutual Insurance Company or its affiliate or subsidiary company providing coverage can make adjustments to Coverage A or commonly known as the replacement/reconstruction coverage. It goes on to state changes will be made based on a Home Care review that will be completed on the homeMr*** signed the application agreeing to this process. A copy of the application has been enclosed
The Home Care review took place on July 23, with an interior and exterior survey being completedThis review revealed several discrepancy’s compared to what Mr*** provided during the application process on the interior and exterior of the home that contributed to the increase in replacement costThey are:
At the time of the application 100% vinyl siding was indicated, during our review the inspector indicated the home was 80% wood shakes and 20% wood sidingSquare footage for the porch, square footage for the greenhouse and square footage for an additional porch were not included on the applicationOn the application it was stated the home was 100% drywall, during the review it was found to be a 100% plasterHardwood floors were entered as 40% during the application, however the inspector found it to be 75% hardwood floors
There are several other items that were updated but the above are some of the main differences that increased the replacement cost from $201,to $278,A letter was sent to Mr*** on August 21, stating the Home Care review was completed and that the replacement cost was being adjustedA copy of the notice has been enclosed
Ms*** indicates she has received a much lower replacement cost from our competitorWe cannot speak to how another company calculates replacement cost or their company guidelines.
Ms*** also indicates we are not sending the full refund due to the policy cancelling midtermIf the customer request cancels their policy prior to the end of the renewal/midterm, the policy will be pro-ratedPro-rating is spreading the premium, on a daily basis, over the policy periodWhen a policy is cancelled midterm, pro-rating calculates premium earned by the insurance company and the amount the customer is responsible forEvery dollar in excess of the earned premium is considered unearned and it will be refunded to the insuredMs***’s policy is being cancelled effective April 16, per the Policy Cancellation Request form our Company received on April 18, If there is an in excess of the earned premium, it will be refunded to the Mrand Ms*** within to business days
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 *** *** ***, Cathy D***, at ###-###-#### or by email at ***
Sincerely,
Bridget MD***
***

Good morning Ms***
In reviewing the history of the Nationwide Visa Buxx card referenced in your complaint, the card in the name of* ***, which you funded, was closed with available funds remaining on the cardWith the card in aclosed status, it is not possible to
refund the card balance to the funding accountHowever, a check was issuedto you and mailed to the address shown above on October 14, That check has not been cashedWe haveplaced a stop payment on that check and issued another check on November 30, 2015.With regard to a delay in responding to your request, our records do indicate multiple telephone callsWe arecontinuing to research the repeated efforts made on your part to resolve this situation, and are addressing anyfailure to log and escalate telephone calls appropriatelyWe do certainly apologize for any lapse in service oreffective communicationMs***, you indicated that your desired settlement would be to have the remaining balance on the card bereturned to the funding cardAgain, because the Buxx card has been closed, the only delivery method availableto return funds is via checkThe check was issued a second time on November 30, in the amount of $Aswe ask our customers to allow seven to ten business days to receive a mailing fmm Nationwide Bank, it ispossible that you have not yet received the checkAgain, please accept our apology for the poor service that you received in this situationThis does not representthe level of service that you should expect from Nationwide BankWe appreciate your feedback and theopportunity to review and improve our processesSincerely,
Anne LC*** *** *** ***

*** *** ***
*** ***
*** *** ***
*** *** *** ** *** ***
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*** *** *** **
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*** *** *** ** ***
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Thank you for the opportunity to respond to the Revdex.com regarding policy number ###### for *** *** and to address her concerns about the policy
On 8/2/2013, *** *** purchased a six month insurance policy from *** *** *** with a bill plan of 16.7% down and installmentsThe policy took effect on that day when a payment of $was received
On 4/3/2014, proof of duplicate coverage was received from *** *** and the original cancellation of 9/20/was revised to 9/9/This revised cancel has also revised the outstanding balance due for coverage provided from $to $The collection agency has been notified of the revised balance due and will still be pursuing the outstanding balance
I trust that I have addressed the issues within *** *** complaint. If I can be of further assistance, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** *** ***

Dear Ms***
I am writing in response to your concerns regarding your refinanceI am very sorry to hear that you have had difficulty in completing the refinance processI have gotten in contact with *** ***, *** *** *** *** and explained thesituation***
has been able to review the information and has taken ownership ofyour concerns*** explained that she is actively working with you and has spokenwith you today, 09/04/2015, and will speak with you again on 09/08/2015.Again, I apologize for the frustration you have experienced in attempting to completethe refinance processWe hope that we can come to a resolution for you in the nextcoming daysPlease feel free to reach out to me if there is anything further I might do toassist youSincerely,
Sara H*** ** *** ***###-###-####

Please accept this letter in response to *** ***’s correspondence dated August 26, regarding the above cited claim. It’s my understanding that *** *** has concerns around two separate claims. We previously addressed the concerns regarding the damage to the roof. We have requested a breakdown of the contractor’s estimate in order to determine what pricing differences exist.
The second estimate that *** *** is referring to is damage to a ceiling from an incident where her contractor fell through the ceiling. We have reviewed this estimate and it appears that the scope of each estimate is the same. This estimate is a lump sum so we are unable to determine why there is a price difference. As we have requested with the roof estimate we would request that the contractor break this estimate down by line item so we can determine what pricing differences exist.
We appreciate the opportunity to resolve *** ***’s concerns.
Sincerely,
*** *** ***
*** *** ***, AMCO Insurance Company
Phone: ########***

I currently have Nationwide Insurance and have filed a claim due to the recent ice storm in our area and after reading many other complaints regarding this Insurance Company, I am not going into all details because most of what we are experiencing most people that has filed a complaint has experienced We have never been felt like 2nd class citizens over trying to file a claim with NationwideI have always paid my Insurance on time, and it has taken us weeks and we are still fighting with them, and they are my Insurance CompanyI would never suggest Nationwide Insurance to anybody and I will end up hiring an attorney before its over and I can promise them it would have much cheaper to have fixed our vehicleThere Nationwide on your side commericals...thats a joke...! Stay away from Nationwide Insurance

Received a nice quote and paid it for two weeks until I did a transfer of collateral (Bike had too many issues, and was traded for another)They told me they had the wrong bike under insurance and upped my costs by dollars a monthI figured that was fine being that the bike they had under the insurance was a slower duel sport bikeI double check by starting another quoteThat quote is dollars cheaper than what I currently payI've been put on hold for an hour and forty-seven minutesI have since spent hours on the phone because the vin number that I have the current policy with doesn't match the bike (The same one I have a current policy with)I'm stuck paying dollars extra a month because Nationwide has locked me out of seeing what I should be payingOn the phone they are dodging my questions, telling me I should join a motorcycle club to save money, and that somehow after I begin paying that the price will jump againI have a clean record and anything that could influence the cost of my insurance has already been entered into the quote

black">Dear *** ***:
This letter is in response to the complaint filed with your agency by *** *** regarding her Automobile policy.
The above referenced auto policy was written with an inception date of May 13, 2014. The policy bills on an installment account with payments due on the 23rd of each month
The policy renewed effective November 13, 2014, with a semi-annual premium of $843.30. Due to the late payment of the bill due on September 23, 2014, Nationwide issued a bill for $due on November 23, 2014, which reflected the premium due for October and November. On December 2, 2014, Nationwide issued a Notice of Cancellation indicating $must be received by December 18, 2014, or the policy would cancel effective December 19, 2014. The amount listed on the Notice of Cancellation included one $late fee
On December 18, 2014, Nationwide agreed to place a hold on the policy until December 29, 2014, to allow time for the policyholder to make the payment due on November 23, 2014. On December 29, 2014, *** *** made a payment of $to her local agency A proper hold was not placed on the account to allow time for the payment to processOn December 30, the policy cancelled on due to non-payment of premium effective December 19, The policy was reinstated with a lapse in coverage effective December 29, 2014, and a semi-annual premium of $1,279.00. The policy should have been reinstated with no lapse in coverage effective December 19, 2014. Nationwide adjusted the reinstatement date of December 29, to December 19, with no lapse in coverage.
A proof of coverage letter addressed to the Pennsylvania Department of Transportation was issued on January 16, to show policy number *** *** resumed active coverage effective December 19, with no lapse.
During the time period when the policy was being corrected, a refund of $was issued to the policyholder. The refund was stop paid and reapplied to the policy when the policy was reinstated with no lapse in coverage effective December 19,
On January 8, Nationwide issued a bill for $due January 29,
On January 15, the bill in the amount of $due January 29, was cleared when the policy cancelled. Nationwide issued a refund to the insured in the amount of $
On January 26, a payment of $was received.
On February 4, Nationwide re-billed the insured’s account for $due February 28, 2015. This bill represents the semi-annual premium of $minus the January 15, refund of $151.30, minus the January 26, payment of $which equals $This premium balance was divided by four equal installments remaining in the policy term
On February 11, 2015, a premium credit of $applied to the account cleared the February 28, bill of $This credit is the result of an adjustment for the removal of a lapse in coverage, and the removal of a September 5, accident surcharge.
On February 20, the February bill was re-issued for $due on February 23, This bill represents $premium balance from February 4, minus the credit of $which equals $The $balance was divided into three equal installments remaining in the policy term which included a $installment fee.
On March 5, a payment of $was received for the policy clearing the February 23, bill.
On March 6, a bill for $was issued due March 23, which remains outstanding
On March 30, a notice of cancellation was issued indicating $must be received by April 16, 2015, or the policy will cancel effective April 17, This amount includes a $late fee
A second refund of $was issued to the policyholderThis refund was issued because the policyholder was not aware that the original refund check for $was stopped and reapplied to her account
The current balance due on the policy is $508.30. This includes the March and April bills of $each, plus a $installment fee, and the second refund of $(which *** *** was advised would be added to the balance)
*** *** has also raised concerns regarding her claim dated September 5, Our records indicate this accident is coded as not at fault and will not be surcharged on her policy
Nationwide regrets that *** *** did not receive the level of service she expected from Nationwide. We continually work to ensure our member receive the highest level of customer service.
If you require further assistance, please contact our Customer Relations Coordinator, *** ***, at ###-###-#### or by email at ***
Sincerely,
*** ** *** ***
*** *** ***
Nationwide Insurance
###-###-####

I had purchased pet insurance several months ago for my furry friends and I got basic wellness coverage thinking my cats are in pretty good shape but you never knowIndeed, little did I know that what I read on Nationwide's EOB is not what I getMy cat got sick couple weeks ago and I took him in to the vet, had a few blood tests and other general exams done, eventually having been diagnosed with kidney issuesAPPARENTLY, all the tests done leading to the final diagnosis aren't considered general wellnessnot the blood test, not the physician exam, absolutely nothingA total shamThey said general tests have to be related to injury (in my case) or fleas/heart worms...I wish that would've been clear to me when I purchased the insurance, but guess what, it wasn'tBelow is a summary of types of wellness plan, basic and premium, I had basicthey both list general exams as part of what they cover, and it doesn't say if the final diagnostic is a disease, then forget about it! thieves!!!
Maximum annual benefit $$Physical exam:
Two exams per policy term
$$max per exam
$$max per exam
Behavioral exam and/or treatment $$Vaccination or titer $$Heartworm or FeLV/FIV test $$Fecal test $$Deworming $$Nail trim $$Microchip $$Health certificate $$Flea control or heartworm prevention $$One additional test:
(1) Health screen (blood test)
(2) Radiograph (X-rays) or
(3) Electrocardiogram (EKG)
$One test per
policy term
$One test per
policy term

Initial Business Response /* (1000, 5, 2016/02/04) */
Contact Name and Title: ***
Contact Phone: ***
Contact Email: ***@colonialhonda.ca
*** purchased a *** from Colonial Honda on November 13, He is claiming that the car had rust on the floor
board
The vehicle was sold with the disclaimer of no warranty implied , and Safety Inspection onlyAs such we do not feel that we are responsible for the rust and the subsequent repair cost associated with the damage
However, as a goodwill gesture, we are prepared to Offer *** a re-imbursement of $*** including HST as a resolution
Initial Consumer Rebuttal /* (2000, 7, 2016/02/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
though I am entitled to be fully reimbursed,
entitlement doesn't buy me grocery, $*** does

*** *** ***
*** ***
*** *** *** ** ***
*** *** ***
*** ** ***
*** *** * ***
I am writing in regards to your request for assistance regarding *** *** *** stated he believed our insured was at-fault for his damages relating to a car accident that occurred on the above-mentioned date of loss*** *** asked that he be reimbursed $for his damages due to the fact that he felt our insured was completely responsible for the accident
Since our last letter in response to this request for assistance, we have discussed the matter again with *** *** and have forwarded the claim to our litigation department to work on collecting the amount we paid for our insured’s car repairsWe will await the results of possible litigation against *** ***’s insurance company, *** ***
When we investigated liability, both *** ***, and the driver of our vehicle, *** ***, stated they were driving on *** **in *** *** ** at the time of the lossOur driver states *** *** made a right turn from *** onto ***, entered her lane and struck her vehicle*** *** stated both vehicles were driving side-by-side and that our driver made an unsafe lane change into the side of his vehicleThere were no witnesses and a police report was not madeDetermining who actually changed lanes was not possible as a result and we sided with our insured, finding *** *** at-fault for making an unsafe lane change
Should you wish to speak to me regarding this claim, please contact me at ###-###-####
Sincerely,
*** ***
*** *** *** *** ***
Victoria Fire & Casualty DBA Titan

*** *** ***
*** *** ***
*** ***
*** ***
*** *** *** ** *** *** *** *** *** *** ** *** *** Dear Ms*** ***: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 themI’ve reviewed this complaint with our associates that were involved with your purchase and sales of your new equipmentI reviewed your complaint with our associates and with *** ***Doing some of this review it can be understood how things got off track on what model of heat pump was decided uponNo excuses intended but it being off by one number can be confusing to mostThat one number made a difference as you are awareOur resolution to this is what you requested and that is to replace this heat pump with the Infinity and matching thermostat to make it a matching systemWe will remove the first heat pump take it to our office and the present thermostatThis will be done at our expensePlease call in and ask for *** *** to schedule this as soon as possibleOur 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,*** ***President