Nationwide

Thank you for the opportunity to respond to Mr. [redacted]’s concerns regarding the cancellation of the above referenced automobile policy for non-payment of premium.
A summary of the billing history on Mr. [redacted]’s account is as follows:6/10/16: Bill sent for the amount of $185.65...

with a due date of 7/4/16.7/6/16: Renewal processed at $2,963.82.
7/7/16: Payment made in the amount of $230.85 (this resulted in overpayment o $45.20).
7/12/16: Bill sent for the amount of $246.99 due to the new renewal calculation on 7/6/16 resulted in higher monthly billing amount.7/12/16: Adjusted statement for $206.79 (this is the $246.99 minus the $45.20 overpayment) + $5.00 processing fee due on 8/4/16.8/5/16: Payment made in the amount of $206.79.
8/11/16: Bill sent for the amount of $251.98, this is the monthly bill of $246.98 + $5.00 processing fee due 9/4/16.9/6/16: Payment made in the amount of $206.79.
9/8/16: Amount due of $266.98, this is bill for $251.98 plus $15.00 late fee (subtract the payment of
$206.79 leaves balance due of $60.19).
9/8/16: Warning notice sent for $60.19 due by 9/28/16 or policy will cancel for non- payment ofpremium.
10/5/16: Payment made in the amount of $246.22, past the due date of 9/28/16, therefore policy wasdenied reinstatement. Denial letter was mailed and excess payment refunded.
Copies of the billing notices, warning/cancellation notice, and denial letter are included for your reference. We are in compliance by mailing the billing statements to [redacted], the address provided on the billing account. The cancellation notices are mailed to the last provided address on the policy which is [redacted]
Unfortunately, we are unable to approve a reversal or a reinstatement of the policy at this time, due to the policy has not been insured with Nationwide more than 5 years, and payment was not received prior to the 9/28/16 due date.
If you have any further questions or concerns, please contact our [redacted], Janice K[redacted] at ###-###-#### or email at [redacted]
Sincerely,Kristin M[redacted]###-###-####

[redacted] offer and response is clearly in bad faith.
[redacted] how do you justify:
1. Not including the options I mentioned, "FogLamps, DualRadio, Vcr, Television, RemoteStarter" in the settlement offer?
2. Not including the average of the adjusted value of the totaled vehicle determined by the comparison vehicles that your company found?
3. Not giving me the opportunity of a cash payout allowing me to repair my own vehicle? 
All of these request are industry standards and I'm willing to bet my legal right. Did you bother to read the explanation of my request?
Regards,
[redacted]

Please find attached blackout period notice from BCI Aircraft Leasing
Inc. which clearly states that the blackout period starts on September 20,
2015.  The law requires that 401k
participant be given at least a 30 day ADVANCE notice before any blackout
period starts so that he or she has sufficient time to take necessary actions.  In my case, it is to roll it over to my IRA
account.  The fact that Nationwide, as
the manager/administrator of the 401k plan, failed to wait for 30 days for plan
participants to take necessary actions to protect their 401k assets is an
obvious breach of its fiduciary duty and a violation of plan participants’
basic rights.
With regards to the fund loss in the account, the Nationwide
Prime Money Market fund managed by Nationwide imposes a 0.85% annual asset
management fee which is way excessive when the fund managers deliver a next to 0%
return on the fund.  By charging
excessive fees on a next- to-zero-return fund is a guaranteed way to lose money
by the plan participants.  During the two
months period, my account has been consistently losing money at 0.85% annual
rate.
If Nationwide is in doubt about the 401k participants’ rights, we
can have Department of Labor, IRS or the Justice Department get involved.
To resolve this matter, I request that Nationwide reimburse
me for all the fees imposed by Nationwide Prime Money Market Fund and a minimum
of $20,000 due to the loss of opportunity to participate in the stock market.  During the two month period that my funds
were held at Nationwide, the stock market has gone up more than 10% in which I
was not able to participate due to the serious delay of rollover.
 Please have Nationwide send the check to my IRA rollover account per
instruction below.
Make check payable to: [redacted]
Address: [redacted]
Regards, [redacted]

This is an update on the above case regarding [redacted].
The MD Claims Manager comments: On 12/12/15 an inspection by [redacted] took place at [redacted]'s address to determine Diminution of value. We received the report on Monday 12/14/15; I contacted [redacted] and reviewed the report and the amount of Diminution of value loss of $2068.00. I emailed the report to her that evening. She replied on 12/15/15 via email, she was in acceptance of the offer for Diminution of value in the amount of $2068.00. We issued a check settlement on 12/16/15 and sent it to her address on file. The complaint has been resolved and closed based on settlement.
If you have any further questions, please feel free to contact me.
Sincerely,Ed [redacted], IIClaims Manager540-582-[redacted]

To Whom It May Concern:
Thank you for your recent inquiry regarding a complaint you received from [redacted]. As Customer Advocacy Complaint Coordinator, I have compiled the responses of [redacted] and...

[redacted]. If we do not provide the information you need for this matter, please do not hesitate to contact the appropriate Nationwide representative mentioned below.
[redacted] was issued a personal lines auto policy.
The concern regarding loss adjustment[redacted]
An unlisted driver on the policy, [redacted], was involved in an auto accident on December 25, 2013 in which the 1999 Honda CR-V we insure was damaged to the point it was considered a total loss. Our adjustor, [redacted], received the file on December 26 and worked with the policyholder to resolve the claim.
[redacted] extended the following settlement to [redacted] on January 7, 2014:
Actual Cash Value = $4,420.00
Sales Tax 6.00% + $265.20
Tag/Title Fee + $18.00
Subtotal = $4,703.20
Deductible - $200.00
Net Settlement = $4,503.20
This settlement was accepted and payment was made to [redacted] on January 22. This check has cleared.
The concern regarding the deductible[redacted]
As indicated above, [redacted]’s deductible applied to the settlement was $200.00 due to the vanishing deductible endorsement on her policy. On August 7, [redacted] mailed [redacted] a check for the full $200.00 deductible. This check has also cleared.
The concern regarding the agent’s handling of the policy[redacted]
In speaking with the primary agent of record, [redacted], here is the information with which he responded.
We have made several attempts to discuss [redacted]'s payments and concerns with her. On several occasions, we have confirmed the accuracy of her billing with Customer Service. Associate Agent [redacted] left a voice mail on her answering system, while customer service was on the line, for them to explain billing to her. When there was no answer, a voice mail was left to call billing to confirm what has been explained to her.
According to our confirmation with billing, her payments have been late. We have pulled billing and confirmed with her checks. It appears the dates on her checks are earlier but it is not for the current bill; customer service explains she is paying past due billing. We have sent our client copies direct from customer service's payment history. At one point we received a call from [redacted] Bank saying that there was a bank error concerning her account. Our system was charging her two months for the Bad Check plus a Reinstatement Fee. The bank has issued a letter of the error to Nationwide. We needed to reinstate the policy for what she paid and waive the Reinstatement fee.
The member asked agent [redacted] to change her billing account numbers which he did as she requested, however, he states that at no point in time did she ask him to rewrite her policy.
The concern regarding the cancellations[redacted]
In regards to both Auto and Home, the policies were cancelled effective July 17, 2014 due to Bad Check. However, both policies were reversed with no lapse in coverage due to receiving a letter from [redacted] Bank that there was fraudulent activity on the bank account.
Attached you will find a premium breakdown for both auto and home, along with a billing history and distribution of all funds received.
Thank you for bringing these concerns to our attention. We trust this will resolve all pending concerns. If you should have any questions or wish to discuss the matter further, please feel free to call B[redacted], [redacted] at ###-###-#### or email her at [redacted].
Sincerely,
[redacted]
[redacted]
Nationwide Insurance Company
#########
[redacted]

[redacted] 
 
[redacted] 
 
[redacted]...

**                   [redacted]              [redacted]                       [redacted]                      [redacted]                      [redacted]       [redacted]                       [redacted]
  
To Whom It May Concern: 
Thank you for your recent inquiry regarding a complaint you received from [redacted].  As a Property Claims Manager, I have reviewed this claim file and would like to address [redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know. 
[redacted] has a personal lines homeowners policy. 
[redacted] filed a claim on November 6, 2013 for hail and wind damage to the roofing system of her home. [redacted] is dissatisfied with our paying for a repair instead of a full replacement of her roofing system.  
The concern regarding the settlement amount for the damage to the roof 
Our physical inspections of the roofing system indicated the roof had normal wear and tear given the age of the system. We also noted a total of 8 damaged shingles on the home as a result of wind.  We found the roof to be in an acceptable condition which would allow for an appropriate repair. We paid for those damages less her applicable deductible. We did not find any hail damage to the roof.  
[redacted] mentioned damaged wood.  Our inspection did reveal wood rot and deterioration on certain areas of the soffit and eaves around the home.  We observed that the piping jacks and exhaust vents on the roof also showed signs of age and deterioration.  Our inspection concluded the jacks and vents are points of the entry of water intrusion on the home. These points of intrusion resulted in damage to the interior.  We paid for the damages caused by the water entering the interior of the home but we do not owe for the wear and tear observed on the pipe vents which allowed the water to enter the home.  These issues are related to regular maintenance of the rubber gasket on the piping jacks. A copy of the estimate is enclosed. 
My review of this claim revealed fair claims practices and confirmed that we are paying for the direct physical damage to the roof caused by a covered peril.  Under the insurance contract, we are responsible for the cost to repair or replace. See copy of policy language. We also paid for the damages caused by the water entering the interior of the home.  
Based on my review, this claim was properly handled.  However, I am sorry that the outcome was not satisfactory to [redacted].  We strive to meet our customer’s needs, but understand that sometimes we are unable to do so. If you should have any questions or wish to discuss the matter further, please feel free to call me at ###-###-####.  
Sincerely, 
[redacted]
 [redacted]
Nationwide Mutual Insurance Company
###-###-####
[redacted]

We Purchased Home owners Insurance through Nationwide, they sent a person out to inspect the home insured us then sent us a letter that said we needed to add railing to the front porch of our home... this was during the holidays... But we made it happen... before the date the required in the letter they sent us... which stated January 12th we took pictures of the installed railing and sent them to nationwide and they day after we received cancellation notice dated the 7th of January. So we jumped through hoops as requested and got canceled anyway? Nationwide Is not on your side!

It took MONTHS for VPI to honor their contract with me. I purchased this insurance for my dog who has a tendency to eat underwear. I informed the insurance company that I had taken him to the emergency vet, and they had treated him for a foreign body (which is covered). But because the paperwork said his SYMPTOMS were "vomiting" they couldn't honor my contract with their company. I explained multiple times as well as my vet office that he was vomiting due to a foreign body. They asked if I went for a follow up visit (which I did not because he passed the foreign body and the vet said I didn't need to have a follow up visit). I even offered to mail them a picture of the foreign body, and they still refused. I finally had to file a claim with the Board that regulates insurance companies in Virginia, and they did a investigation and DEMANDED that VPI reimburse me. I had been paying for this insurance company for years, and the first time I needed them they refused my claim (multiple times). They are the worst! Don't ever use them! My vet doesn't even recommend the company.

Nationwide charges me $8.00 a month because I mail my payment.I have never been late.I have been with them over 5years.I find it hard to believe that they are aloud to charge outrages processing charges for regular mail.

[redacted] has been diligently trying to contact Nationwide the police report has been received by both parties & nationwide refuses to call back [redacted] at [redacted] to confirm that liability has been established.
Regards,
[redacted]

[redacted]
 
 
[redacted]
 
[redacted]              ...

[redacted]                [redacted]     [redacted]      [redacted] 
 
This letter is in response to the complaint filed with your agency by [redacted] regarding the balance due on her Auto policy.
Ms. [redacted] initiated an Auto policy in [redacted] effective July 31, 2003.  This policy has been serviced by the [redacted]nsurance Group in [redacted].  This agency is not licensed in [redacted], so they are unable to service the member for a new policy in that state.
The notes on the policy state that [redacted] attempted to make a policy change on February 26, 2014 via the internet; however, the change could not be processed due to the vehicles being garaged out of state.  [redacted] was advised to contact her local Nationwide agent or call ##### (###-###-####).  The notes state that she called the Service Department and was transferred to the [redacted]nsurance Group for additional assistance.  The agency submitted a request for the Auto policy to be internally transferred from [redacted] to [redacted].
On March 6, 2014, a note was placed on the [redacted] Auto policy advising that an internal transfer of the Auto policy from [redacted] to [redacted] could not be completed.  The states are located in two different regions and need to be written in two different Nationwide companies.  The [redacted] policy is written through “Nationwide” where as the [redacted] policy would need to be written through “Allied” appropriately.  The notes states that a communication was sent to Nationwide’s retention team to assist the member with this request.
An outbound call was made to [redacted] on March 20, 2014 by a Retention agent regarding the transfer of the Auto policy.  A voicemail was left congratulating [redacted] on her move to [redacted].  The agent advised that her policy was ready, but a returned call was requested to discuss the premium and make the member aware of some changes on the Auto policy.  A returned call from [redacted] to discuss the finalization of the Auto policy was not identified.  In the meantime, [redacted] continued to make policy changes online and worked with her local agent in [redacted] per additional notes on the policy.
The Auto policy renewal date was January 31, 2014 and was cancelled effective July 26, 2014.  During this time period a total of $607.41 was charged for coverage provided.  A total of $529.15 was received in payments and three $3.00 service fees were charged.
The total charged of $607.41 plus $9.00 in fees minus $529.15 total payments received equals $87.26.  A balance due bill was sent on August 1, 2014 which we have included with the response.
 
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext. ####
 
Sincerely,
   [redacted]

Nationwide is my homeowner's insurance carrier at this time and unfortunately dealing with Nationwide has been the worst Insurance experience I have ever had. 4 weeks ago I had a large tree fall on my home and Nationwide has done nothing but drag their feet and make excuses and delays even though the claim is valid and I have coverage. As a result I have a home with a destroyed roof and ceilings inside the home and no results as of yet. I contacted the Nationwide customer advocate and never heard a peep back. Next step is to file an actual Revdex.com complaint and a complaint with the insurance commissioner for my state . Absolutely would not recommend using this company for insurance

Everytime I called the customer service number at ###-###-####, the representatives are really rude and inconsiderate. In the beginning they seem nice but as you describe the issue and try to understand something from them, their attitude is "our way or the highway." Never recommending anyone to deal with this insurance. They also rip you off when you cancel the insurance especially if you are receiving a bundle discount. They calculate in a way which benefits them a few dollars out of your pocket. They took extra $25 from me and when I asked for explanation, they said that's how they calculate the cancellation. I didn't want to argue because it was just wasting my time. I can use that time and make more money.

Promised a $200. sign-up bonus twice and denied both times sating rules were not adhered to and the process needs to be repeated, a 3-4 month process. Be more straightforward and honest please.
Don't trust this firm.

[redacted]
 
 
[redacted]
 
[redacted]               [redacted]...

[redacted]       [redacted]     [redacted]  
This letter is in response to the complaint filed with your agency by [redacted] regarding the balance due on her Auto policy.
Our records indicate the named insured on the Auto policy was listed as [redacted] and [redacted].  When the policy was cancelled effective August 26, 2012 due to non payment of premium, a balance of $48.42 was left for coverage provided to the cancellation date.
There were two vehicles listed on the Auto policy at the time of cancellation, a 1998 GMC Sonoma and a 2006 Jeep Liberty.
We may be able to adjust or eliminate the amount due if documentation can be provided of other insurance prior to the cancellation date of August 26, 2012.  Please send documentation to [redacted]  or fax to ###-###-####.
I have included the Balance Due bill sent on August 31, 2012 for your review.
 
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####, Ext.#########
 
Sincerely,
 
[redacted]
CSSS Customer Resolution & Response
Nationwide Insurance Companies

There was no new damages to the 2013 Toyota Prius, This was poor workmanship from [redacted] Auto Body. There hasn't been any sufficient proof to this claim, the Nationwide Claims manager showed up to [redacted] Auto after the car was taking apart and didn't witness any new damages. The Nationwide manager does not have proof of the claims made to this being new damages. I've requested several times for a representative of Nationwide to be present during the taking off of the bumper however they always show up afterwards the next day after the body shop has had the vehicle in their possession for 24 hours to hide evidence of their poor work and make it appear to be new damages. I've notified Nationwide several times that [redacted] Auto Body continues to try to repair the car and I receive it in poor workmanship. The damages from the auto accident should have totaled the car out yet [redacted] Auto Body tried to repair it and the car can't be repaired properly because of the severe impact.
[redacted] Auto repaired the bumper and trunk lining which Nationwide agreed that the trunk lining was repaired in poor workman ship but failed to make note of this. The bumper is still not repaired in factory quality. Oscar at Nationwide was notified and no one from Nationwide has come out to see the final repairs. I was told by Oscar to turn the car into Toyota and let Toyota contact Nationwide with any concerns. I am not satisfied with the dishonesty from [redacted] Auto Body and the non-factual statements from Nationwide. I was spoken to very poorly by the body shop with an aggressive manner until I filed and Revdex.com report. Everyone has been nice to me since filing an complaint through the Revdex.com however the  truth has not been told and the bumper remains to be not repaired properly. [redacted] Auto Body has repaired the bumper 3 times already they claim this was an new accident a

Dear [redacted]:
 
This letter is in response to the inquiry received from your office on March 25, 2015. This letter contains the correct Office of Customer Advocacy Number (OCA).  Our previous letter listed this number incorrectly.
 
At this time, we have not received any new information that would alter our previous liability decision.  As such, we are unable to change our prior liability decision where we agreed to pay 70% of [redacted]'s damages.  Please note that we called [redacted] on March 18, 2015 to further discuss the basis of our decision; unfortunately, we were not able to reach an agreement with her. This is a case of disputed liability where we feel [redacted] shares in the responsibility for this accident.
 
If you require further assistance in this matter, please contact our Customer Relations Coordinator, [redacted], toll-free at ###-###-####, Ext. [redacted] or by email at [redacted]
 
Sincerely,
  [redacted]
Western Claims Zone
Nationwide Insurance Company of America
Phone: ###-###-####
Email Address: [redacted]

Still not fair price at all! (I have shoped).
Would take 14,350.00. Will accept (not be happy) but accept
Want 16,086 like Blue Book value
They have put me throug (word rejected)
Could not find car with miles on car I have under $14,550. It was wrecked guy said. That was cheapest.
Regards,
[redacted]

:if this information provided was true, and I was quoted as a 25 year old on March 2014, why wasn't my insurance lowered for the fact of me being quoted as the new age of 25. I was informed by the same agent that you all referred to get the information that was given to me. He stated to me that the only time my premium will go down again, is when I turn the age of 25. With that being stated, after the good student discount was be removed, the 25 and older discount should be applied in which my premium should be lower than what I have ever payed. Ultimately nothing can be done, as I have decided to withdraw myself from this company. My quote with [redacted] was proven to show a substantial difference in what I was paying with Nationwide. My last day of being apart of Nationwide was 05/22/2014. This company was too inconsistent, and proved to not value its customers whom have been long term. The amount of time spent to rebuttal my claim with the Revdex.com, could have been the time spent to satisfy the customer. I am completely disgusted with the way information is provided, in which it seems to vary from agent to agent, instead of being consistent across the border. Revdex.com, I would like for my complaint to go on file, in which to affect the company's overall rating with the Revdex.com. I wish to no longer be contacted by Nationwide in the future, for the simple fact that I was treated very unprofessionally, which made myself feel unworthy of carrying this company's insurance.
 
Thanks Revdex.com for trying to mediate the differences with myself and the company!
Regards,
[redacted]

[redacted]  [redacted]    [redacted]  [redacted]
[redacted]
 
 
[redacted]
[redacted]
[redacted]
[redacted]
 
 
[redacted]     ...

[redacted]                                      
I am in receipt of the Revdex.com complaint from [redacted]
I am providing you with the following information:
·         November 2013 Bill
·         Notice of Cancellation
·         Collection Notice
Policy ######### cancelled for non-payment effective December 20, 2013.
On October 30, 2013, a bill was mailed to the address on file advising a payment of $269.40 was due by November 23, 2013.
On December 3, 2013, a Notice of Cancellation was mailed to the address on file advising of the $269.40 that was due, and advising that the payment was due no later than December 19, 2013 to continue coverage.
Unfortunately, a payment was not received; therefore, the policy cancelled for non-payment effective December 20, 2013, and a collection balance of $140.23 remained on the account for coverage provided up to the date of cancellation.   
On December 27, 2013, a collection notice was mailed to the address on file advising of the $140.23 final balance due on the policy.
Unfortunately, proof of insurance was not located for [redacted], so  therefore, if [redacted] provides a [redacted] Declaration page showing the effective date of the policy, we will be more than willing to adjust the cancellation date, and reduce or remove the collection balance. Please feel free to fax the information directly to Christina Long, at ###-###-####. We apologize for any inconvenience this may caused.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted] at ###-###-####, or by email at [redacted]
Sincerely,
[redacted]
###-###-####, ext. #####
Nationwide Affinity Insurance Company of America