This is in reference to complaint ID and an email that was sent to me (copy attached)I wouldlike this complaint file reopenedI read the email over and noted a big error which started this, process ,my letter dated January 4, 2013.In the email the check sent on January 4, 2013, check nofor $was not mentioned, nor didit state they sent the check back, which I still do understand whyI did not receive the check and if I hadwould have called and everything would have been straighten outIt was also not mentioned that theysent me a collection notice from *** *** *** dated September 2, for $which IpaidDecember I did not receive a bill that a payment was due It was not until I received the letterdated December 31, stating my policy was cancelled.I blame Nationwide for their lack of communications, not handling my policy properly and being withoutcar insurance for three months, The least they can do it reimburse me for $3,($2,627.10+$125.10see back of letter dated June 2, 2015) and settle this.Thank you for your helpAny questions or concerns call me at ###-###-#### or email me at ***Sincerely, *** ** ***
We have been in contact with our insured. We have offered to hire an engineer to inspection his roof for hail damage. Mr*** has agreed. Once the inspection has been conducted and the report received, we will follow up with MrWolfe regarding the engineer’s findings.Thank
you for allowing us to respond to our member.Sincerely,John S*Nationwide Property Claims Manager
This inquiry has the incorrect insuring company name and NAIC#Please update your files with the correct information.CORRECT INSURING COMPANY NAME: National Casualty CompanyCORRECT NAIC #: ***We are in receipt of your request for information regarding the above referenced fileMs*** is
requesting reimbursement for claim 2***for her pet.Ms*** applied for the Medical Plan with a $annual deductible for her dog *** on November 29, The policy was approved with an effective date of December 13, A medical records request was made on January 6, based on a claim submitted in close proximity to the policy effective dateNo medical records were received for the request until February of 2018.Upon receipt of this complaint, we have reviewed the medical records provided and reprocessed claim *** as eligibleReimbursement was issued in the amount of $Claim *** was also reprocessed as eligible post review and reimbursement was issued in the amount of $120.00.We appreciate Ms***’s patience with the review process and are happy to be able to resolve this matter in her favor.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Kaitlin G***, at ###-###-#### or via email at ***@nationwide.com.Sincerely,Cindy CarterUnderwriting Director
Well I think this is something that should be told to individuals when they plan to get due dates changed because most people will get due dates that are closer to their pay datesSo anybody that has this issue of changing their due dates to meet automatic withdrawl, is doomed to be punished with fees because their policies will show differently
Dear Mr*** Please accept this letter as a formal response to your questions regarding your *** *** *** AR 457(b) Deferred Compensation Plan, administered by nationwide Retirement Solutions (Nationwide)In order to comply with IRS code 72(p), a loan offset will only occur on an account
with an eligible rollover distributionAn eligible rollover distribution means any distribution to you of all or any portion of your account balance under the Plan except: (1) a distribution which is part of a series of substantially equal periodic payments; (2) a required minimum distribution; (3) a hardship distribution; (4) return of automatic contribut0oin during days period; (5) a corrective distribution; (6) a loan treated as a distribution or (7) day automatic enrollment withdrawalsYour recent request for an unforeseeable emergency distribution falls within (3) hardship distributionUnforeseeable emergency distributions from a 457(b) plan are not eligible for rolloverI understand that you were given incorrect information, and for that I apologizePlease be assured that feedback will be given to the representative with whom you spokeHowever, while you were initially advised of incorrect information, Nationwide will not be able to offset our loan at this timeUnless you become eligible for and process an eligible rollover distribution from your account before the loan maturity date of December 4, 2017, you loan payments will continue at $monthlyAgain, I sincerely apologize for any inconvenience this has caused you and look forward to restoring your faith in NationwideIf you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 9:00a.mand 5:p.mEastern time.Sincerely,Warren B*** ** *** ***
Please accept this letter as a formal response to the additional questions regarding the *** *** 401(K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide)I appreciate the opportunity to address your concerns and will do so in order.Unfortunately I am not able to provide plan level documentation to participantsThe participant may please feel free to request a copy of this form and corresponding notification letter from her former employerIf the former employer no longer has a copy of these documents, they may request them from Nationwide directlyQuoting the letter, “The blackout period for any type of withdrawals begins as soon as we receive the signed Asset Transfer Form in our office”.I apologize for any confusion in the first replyI did not intend to imply that during the blackout period a participant must request a withdrawal from the new provider, but that once the blackout period begins, participants must wait to request a distribution from their account until after the new provider receives their funds.It is correct that the plan sponsor is the former employer, and it is their responsibility to provide notice of a blackout periodI agree that without plan sponsor notifying a participant, a participant would not have had a way to know specifically when the blackout period would beginHowever, this does not change the procedures within NationwideThe former employer was aware of when the blackout period would begin, based on when we received the Asset Transfer Request Form, and were responsible for notifying participants of the correct blackout period start date.Ms *** was eligible to rollover her funds at any time after her date of separation, January 30, I understand that she made the decision to do so only after the blackout period notification was received, and regret that we were not able to honor her request immediately.The Money Market Prime is a cash equivalent fundBecause it does not have an interest rate associated and is not invested in the stock market where gains may occur with market fluctuations, there is no way for the funds to increaseHowever, there are fees associated with the 401K retirement accounts which result in a negative return on the cash equivalent funds.Again, the rate of return and fund prospectuses are available to participants to review before making investment decisions*** *** also provides access to a third part investment professional that is able to assist participants with making investment decisionsThe rate of return for the money market funds is reported on the websiteYTD of -0.64%This information is readily available to participants before making a decisionNationwide is not able to make recommendations, only perform exchanges upon requestPrior to a disbursement of funds, the funds must be invested within NationwideThey are not required to be in the Money Market Prime fund specificallyThe funds do have to be transferred back to Nationwide from any Self Directed Brokerage Account with TD AmeritradeMs*** chose to move the funds from TD Ameritrade into the Money Market Prime Fund.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would beginShould you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 4:p.mEastern time.Sincerely,Nicole T*** *** ***
Thank you for the opportunity to respond to the complaint filed by Mr*** *** regarding his concerns with the above referenced policy with Nationwide Mutual Fire Insurance Company (***)We have reviewed the concerns expressed by Mr*** *** and will attempt to address them in this
letter.Homeowner Policy ######## On August 13, notification of non-renewal was mailed to Mr*** *** advising that his homeowner policy would be non-renewed effective September 30, as a result of him no longer meeting our eligibility requirements for our homeowner programMr*** *** had more than one weather related and one non-weather related loss within the past three yearsThere was no remaining balance due on the homeowner policy. Dwelling Fire Policy######## On September 7, a billing statement was mailed to Mr*** *** to the last known address on file, requesting payment of $85.89. Payment needed to be received by our Company by October 1, in order to prevent cancellation of the dwelling fire policyPayment was not received by the requested due date. On October 7, Notice of Cancellation was mailed to Mr*** *** to the last known address on file, informing Mr*** *hat payment of $be received by October 18, Payment was not received and as a result his dwelling fire policy cancelled effective October 19, A copy of the notification of cancellation is attached for your reference. Coverage was provided under policy 6341Tfor Mr*** *** from December 30, until it cancelled effective October 19, Unfortunately, the premiums paid did not completely cover the entire time coverage was provided, resulting in an outstanding balance of $99.67. On October 25, a billing statement was mailed to Mr*** *** requesting payment of $by November 13, for the remaining outstanding balanceA copy of the billing statement is attached for your referencePayment was not received by the requested due date and sent to collections on December 13, 2011. We appreciate the opportunity to review Mr*** ***’s business, and hope that this information will help to address his concernsIf you require further assistance, please contact our *** *** ***, Jose L***, at ###-###-#### or by email at ***Sincerely, Jennifer F*
Thank you for the opportunity to respond to the concerns of *** *** regarding the above referenced policy withNationwide Mutual Fire Insurance CompanyThe home/car discount was removed from Ms***’s policy as herstandard auto policy with Nationwide was cancelled.Ms*** was offered and
accepted a policy with our non-standard company, Titan InsuranceOnce her standard autopolicy cancelled, the homeowner policy was no longer eligible for the home/car discountNationwide does not offer ahome/car discount for Titan policies at this time.We appreciate the opportunity to review Ms***’s business, and hope that this information will satisfy her concerns.If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### orby email at ***Sincerely,Patricia J*** ***
We are in receipt of your correspondence dated June 29, regarding the response received from Sean *** related to his denial to provide the necessary cancellation request forms and to remove him from our mailing list.At this time, Mr*** carries active motorcycle and renter’s policies with our companyMr*** may cancel his motorcycle and renter’s policies effective the June 12, inception date, however, we do require a signed cancellation form for each policy in order to process the cancellationWe do apologize for any inconvenience, but our company does require this request to be in writing.Per our previous response, Mr*** can complete and return the forms that were provided with our June 21, response via email to ***; fax to ###-###-####; or mail to Nationwide Mutual Insurance Company, *** *** ***, *** *** *** *** ** ***For immediate attention, he may also send them directly to our Customer Advocacy Coordinator, Janice K***, via email at *** or fax directly to her at ###-###-####.As of July 1, 2017, per his request, Mr***’ information has also been added to the “Do Not Contact” list, however, until the policy cancellation request forms are completed and returned, Mr*** will continue to receive policy documents and billing notifications related to the current active policies.If you require further assistance, please contact Janice Kleinhans at ###-###-#### or by email at ***Sincerely,Tara P***Senior AnalystCustomer Response & Resolution
I have reviewed the inquiry received from *** *** regarding his auto policy insured with Nationwide Agribusiness Insurance CompanyHe inquired about the cancellation of this policy and subsequent refund.Both *** *** and *** *** are named insureds under this policy providing
coverage for the following vehicles: Honda, Honda, Volkswagon, and CadillacOn November 3, *** contacted the Company Service Center to remove *** from the policy due to divorceThe service representative advised *** that because *** was also a named insured on the policy, we would need either proof of her other coverage or a request signed by her to remove her or her vehicles from the policyOn November 6, 2015, *** requested the Volkswagon and the Cadillac be removed from the policy effective November 3, as he obtained other coverage on those vehiclesThe deletion of those vehicles was processed as requested and a return premium of $was applied to the policyCoverage was still being provided for the and Hondas on the policyWe subsequently received a signed cancellation request for the remaining vehicles on the policy, and it was processed effective November 3, A notice advising of the cancellation of the policy per the insured’s request was sent to the address showing on the policy: *** *** *** *** *** ** ***We reached out to the ***’s local agent, *** *** ***, who had been working with *** on the auto and home policiesAccording to the agency, *** *** became unreasonable to the agency staff when they were not able to remove *** or her vehicles from the policy.The cancellation of the policy effective November 3, resulted in a premium refund of $based on the vehicles listed on the policy at the time of the cancellationPer ***’s request, the Volkswagon and Cadillac had already been removed from the policy which resulted in return premium of $applied to the policyThe policy cancellation was processed on November 16, to be effective November 3, The only vehicles listed on the policy at the time the cancellation was processed were the and Honda’s.The homeowner policy with our company is providing dwelling, personal property, personal liability, and premises liability for both *** and *** as they are both named insured’s on the policyIn order to protect the rights and coverage for both parties, a signed cancellation request or proof of other coverage from each party is needed to cancel the policyAny issues, payment, or refund descrepanices involving their policies and arising out of the ***’s divorce situation are a personal legal matter that should be handled between *** and *** and their legal representatives.If further assistance is needed in this matter, please contact me directly at ###-###-####.Sincerely,Gale G***
We are in receipt of the rebuttal for the
above referenced fileMs*** states that her veterinarian’s office faxed information to our office on August 30, 2017.Upon receipt of Ms***’s complaint, we contacted *** veterinarian for medical records in order to review our upgrade decisionWe received medical records from *** *** *** on November 30, The medical records confirmed that *** was diagnosed with a histiocytoma (skin mass) on her left ear on September 1, Additionally, the review also found that she was diagnosed with a granulomatous lesion on her left front foot in December of The histiocytoma and granulomatous lesion are non-upgradable when upgrading to the Whole Pet with Wellness PlanSince medical records do not indicate that the mass has been removed or has resolved, we are unable to approve *** upgrade at this time.We do not have record of any medical records submitted for *** on August 30, 2017.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Patty G***, at ###-###-#### or via email at ***Sincerely,Cindy C***Underwriting DirectorPET Insurance
Thank you for your recent inquiry regarding a complaint you received from *** *** I have reviewed this claim file and would like to address Ms***’s concerns If I do not provide the information you need for this matter, please do not hesitate to let me
know. Our insured, EJP Enterprises Inc, has a commercial auto policyThe name of the location for the business is *** *** * *** on this policy A claim was filed with Nationwide Insurance on October 4, for an engine fire loss due to work done by *** *** * *** on a Ford Taurus owned by Mark ***A fire expert was hired and the fire was confirmed to have originated in the area of the valve cover on the engine, recently replaced by *** *** * ***, verifying liability owed at 100% for this loss November Lori G***, Total loss representative, was assigned to handle the settlement with Mr***It was found that the assignment from the local representative was routed incorrectly, which delayed contact for days MsG*** called Mr*** and left him a voice mail to return her callShe also sent him an emailShe called Mr*** again on November 11, and left him another voice mailMr*** responded to MsG*** by email that he wanted $5,for the loss on his vehicle November 14, MsG*** received an email from Mr*** and was requesting a pain and suffering settlementShe replied that she would send a request to a representative in Casualty that would handle that, to get in contact with him to discuss this, as she was to handle on the total loss settlement for him on the claim November Joseph G***, casualty claims manager, reviewed the pain and suffering request and noted there was no mention that the claimants had sought treatment as a result of the smoke in the vehicleMichael B***, casualty claims representative called Mr*** and left him a voice mail requesting a call back regarding the injury allegation December MsG*** received and reviewed the engine receipt for consideration in adding to the valueThis added $and loss of use was also considered for days @ per day totaling $MsG*** called Mr*** and left him a voice message with the revisions to the settlement and also sent him an email Actual Cash Value = $1, Additional Consideration + $ Prior Damage Assessed = $457.21 Prior Damage Applied - $125.00 Subtotal ACV = $2, Sales Tax 6.0000% + $ Tag/Title Fee + $ Subtotal ACV = $2,839.50 Concession + $1, Net Settlement = $3, UPD- left quarter panel damage applied $as fair and reasonable. Upon acceptance of the settlement, MsG*** will issue payment for the total loss of the Ford Taurus to Mr*** upon receipt of the signed title from him If you require further assistance, please contact our Customer Relations Coordinator, Yvette S***, at ###-###-#### or by email at [email protected]
December 3,
*** ***
*** *** ***
*** *** *** ** *** ***
*** ***
***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** *** *** *** *** *** ***
*** ** ***
*** ** ***
Dear *** ***,
Thank you for the opportunity to respond to the RevDex.com regarding policy number *** for *** *** and to
address the concerns about the policy
On 9/26/*** *** *** contacted our service center
to add her son *** *** to her policy effective that date. She was provided a quoted premium increase
of $total, with each of her final installments increasing
$104.50. She was advised that her next
installments would draft for $on 10/12/and 11/10/2015. She accepted this quote and added *** to the
policy.
An issue arose when the Motor Vehicle Report was ordered for
*** as it was returned invalid, delaying the process of the driver addition
effective 9/26/until 10/22/2015. As
the 10/12/bill had been issued for $and that amount was paid on
10/12/2015, the final installment on 11/10/was increased the full $
and showed due for $
On 10/28/*** *** contacted our service center and
was advised of the delay in processing and premium increase reflecting on the
one installment instead of two. On
10/31/*** *** *** contacted our service center and requested the
removal of *** from the policy. Our
underwriting guidelines advise that all house hold members of legal driving age
are required to be rated on or excluded from the policy*** *** was
advised that we would not be able to remove *** from the policy without
proof he resided elsewhere.
*** *** requested his policy to be canceled effective
11/3/2015, which was processed on 11/9/2015.
An outstanding balance of $remains due
I trust that I have addressed the issues within the
complaint. If you require further assistance in this matter, please contact
our Customer Relations Coordinator, Charity W*** *** *** *** or by email
at ***
Sincerely,
Evan H***
SrAnalyst Customer
Resolution and Response
###-###-####
I have received Ms***’s response and would like to address her concerns Ms*** reached out to me directly last evening, and forwarded me numerous emails between her and the Nationwide claims adjusterI reviewed the emails and advised Ms*** then, and will reiterate it now, that Nationwide cannot compensate her or her son for pain and suffering until her insurance carrier, *** *** Insurance, pays the $threshold for medical billsIf that is done, pursuant to Kansas state statute, Nationwide can then make an offer for her and her son’s pain and sufferingWe contacted *** *** today, on December 6, 2016, and they confirmed they have not paid any bills for either Ms*** or her son, so we we are unable to make an offer to Ms*** at this time We apologize for any initial confusion regarding a settlement and payment of medical bills. However, as stated, we are unable to consider any injury settlement until the Kansas tort threshold has been met as per Kansas state statute. If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S***, at ###-###-#### or by email at ***@nationwide.com
We are in receipt of Ms***’s inquiry filed with your agency regarding Nationwide Auto policy***.Please be advised that Nationwide received and has responded to a Pennsylvania InsuranceDepartment complaint regarding this matterMs***’s cancellation was reversed and no lapsein
coverage occurredFor your review, I have enclosed a copy of our response letter to theDepartment dated October 7, 2016.On October 11, Auto Policy *** cancelled by request effective September 30, 2016.If you require further assistance, please do not hesitate to contact me.Sincerely,Cathy D***Customer Advocacy CoordinatorNationwide
Dear Mr***
This is the second response to your inquiry sent via the Revdex.com. Our decision has not changed.
Your son, ***, holds a Class C drivers license. This license allows him to drive any noncommercial single vehicle with a GVWR of less than 26, pounds. Since he is a resident of your household and has access to your owned vehicles, he will be added to your policy as an occasional operator
Unless proof of insurance elsewhere can be provided, he will remain a listed driver on this policy
Sincerely,
Please accept this letter in response to Mr***’s concerns submittedto the Revdex.com regarding the processing time of the fullwithdrawal on his contractI hope you’ll find this information helpful inaddressing his concerns.Policy detailsComplainant: *** ***Owner: ***
***Policy number: ***NAIC code: 66869Complaint Number: ***What we foundI have enclosed the withdrawal form submitted by *** *** onJuly 27, at 2:p.mWe processed this on the same day of July27, in the gross amount of $44,667.70.Mr*** incurred a Contingent Deferred Sales Charge (CDSC) in theamount of $1500., therefore the net amount equaled $43,He didacknowledge the CDSC on page three of the withdrawal form before itwas processed.We did listen to the calls referenced in the complaint on July 27, at9:a.mand 1:p.mOn the 9:a.mcall, we stated Mr***would get the market value as of close that day if we receive thewithdrawal form by 4:pm EasternOn the call at 1:p.m., Mr.*** did state he would get $45,minus $in CDSC,however our representative informed him the withdrawal would be basedon the contract value as of the market close that day as opposed to theprevious day’s close.Unfortunately we can’t honor Mr***’s request to compensate himfor the market value difference between July 26, and July 27, 2015in the amount of $since we processed this transaction correctlyIf you have any further questions or concerns, please feel free to contact ErinM*** via telephone at ###-###-####, option *, extension *** or viaemail at ***Sincerely,Robert W*** ***
We are in receipt of your communicated dated April 13, submitted on behalf of Ms*** regarding communication concerns during her claim, as well as frustration with the payment process.I spoke with Ms*** on April 13, and we addressed her concernsWe apologize for any communication
issues during the claims process, as we strive to maintain consistent contact throughout the claim to keep the member informed.While the insured should have been advised of her mortgage company’s inclusion on the check, her mortgage information was not updated on her policyTherefore, when the claims team issued the payment, we were unaware of the outdated informationWhen this was brought to our attention, we re-issued the payment immediately and sent the check directly to the mortgage company per Ms***’s requestThe adjuster spoke with the mortgage company on April 18th to offer to send the estimate for repairs in order to expedite the process for our member.We regret that the complainant is unhappy with the handling of her claim, but we will continue to work with Ms*** to bring this claim to resolution.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G*** at ###-###-#### or via email at ***.Sincerely,Averill Y*** *** ***
This is in reference to complaint ID and an email that was sent to me (copy attached)I wouldlike this complaint file reopenedI read the email over and noted a big error which started this, process ,my letter dated January 4, 2013.In the email the check sent on January 4, 2013, check nofor $was not mentioned, nor didit state they sent the check back, which I still do understand whyI did not receive the check and if I hadwould have called and everything would have been straighten outIt was also not mentioned that theysent me a collection notice from *** *** *** dated September 2, for $which IpaidDecember I did not receive a bill that a payment was due It was not until I received the letterdated December 31, stating my policy was cancelled.I blame Nationwide for their lack of communications, not handling my policy properly and being withoutcar insurance for three months, The least they can do it reimburse me for $3,($2,627.10+$125.10see back of letter dated June 2, 2015) and settle this.Thank you for your helpAny questions or concerns call me at ###-###-#### or email me at ***Sincerely, *** ** ***
We have been in contact with our insured. We have offered to hire an engineer to inspection his roof for hail damage. Mr*** has agreed. Once the inspection has been conducted and the report received, we will follow up with MrWolfe regarding the engineer’s findings.Thank
*Nationwide Property Claims Manager
you for allowing us to respond to our member.Sincerely,John S
This inquiry has the incorrect insuring company name and NAIC#Please update your files with the correct information.CORRECT INSURING COMPANY NAME: National Casualty CompanyCORRECT NAIC #: ***We are in receipt of your request for information regarding the above referenced fileMs*** is
requesting reimbursement for claim 2***for her pet.Ms*** applied for the Medical Plan with a $annual deductible for her dog *** on November 29, The policy was approved with an effective date of December 13, A medical records request was made on January 6, based on a claim submitted in close proximity to the policy effective dateNo medical records were received for the request until February of 2018.Upon receipt of this complaint, we have reviewed the medical records provided and reprocessed claim *** as eligibleReimbursement was issued in the amount of $Claim *** was also reprocessed as eligible post review and reimbursement was issued in the amount of $120.00.We appreciate Ms***’s patience with the review process and are happy to be able to resolve this matter in her favor.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Kaitlin G***, at ###-###-#### or via email at ***@nationwide.com.Sincerely,Cindy CarterUnderwriting Director
Well I think this is something that should be told to individuals when they plan to get due dates changed because most people will get due dates that are closer to their pay datesSo anybody that has this issue of changing their due dates to meet automatic withdrawl, is doomed to be punished with fees because their policies will show differently
Dear Mr*** Please accept this letter as a formal response to your questions regarding your *** *** *** AR 457(b) Deferred Compensation Plan, administered by nationwide Retirement Solutions (Nationwide)In order to comply with IRS code 72(p), a loan offset will only occur on an account
with an eligible rollover distributionAn eligible rollover distribution means any distribution to you of all or any portion of your account balance under the Plan except: (1) a distribution which is part of a series of substantially equal periodic payments; (2) a required minimum distribution; (3) a hardship distribution; (4) return of automatic contribut0oin during days period; (5) a corrective distribution; (6) a loan treated as a distribution or (7) day automatic enrollment withdrawalsYour recent request for an unforeseeable emergency distribution falls within (3) hardship distributionUnforeseeable emergency distributions from a 457(b) plan are not eligible for rolloverI understand that you were given incorrect information, and for that I apologizePlease be assured that feedback will be given to the representative with whom you spokeHowever, while you were initially advised of incorrect information, Nationwide will not be able to offset our loan at this timeUnless you become eligible for and process an eligible rollover distribution from your account before the loan maturity date of December 4, 2017, you loan payments will continue at $monthlyAgain, I sincerely apologize for any inconvenience this has caused you and look forward to restoring your faith in NationwideIf you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 9:00a.mand 5:p.mEastern time.Sincerely,Warren B*** ** *** ***
Please accept this letter as a formal response to the additional questions regarding the *** *** 401(K) Plan (Plan), administered by Nationwide Retirement Plans (Nationwide)I appreciate the opportunity to address your concerns and will do so in order.Unfortunately I am not able to provide plan level documentation to participantsThe participant may please feel free to request a copy of this form and corresponding notification letter from her former employerIf the former employer no longer has a copy of these documents, they may request them from Nationwide directlyQuoting the letter, “The blackout period for any type of withdrawals begins as soon as we receive the signed Asset Transfer Form in our office”.I apologize for any confusion in the first replyI did not intend to imply that during the blackout period a participant must request a withdrawal from the new provider, but that once the blackout period begins, participants must wait to request a distribution from their account until after the new provider receives their funds.It is correct that the plan sponsor is the former employer, and it is their responsibility to provide notice of a blackout periodI agree that without plan sponsor notifying a participant, a participant would not have had a way to know specifically when the blackout period would beginHowever, this does not change the procedures within NationwideThe former employer was aware of when the blackout period would begin, based on when we received the Asset Transfer Request Form, and were responsible for notifying participants of the correct blackout period start date.Ms *** was eligible to rollover her funds at any time after her date of separation, January 30, I understand that she made the decision to do so only after the blackout period notification was received, and regret that we were not able to honor her request immediately.The Money Market Prime is a cash equivalent fundBecause it does not have an interest rate associated and is not invested in the stock market where gains may occur with market fluctuations, there is no way for the funds to increaseHowever, there are fees associated with the 401K retirement accounts which result in a negative return on the cash equivalent funds.Again, the rate of return and fund prospectuses are available to participants to review before making investment decisions*** *** also provides access to a third part investment professional that is able to assist participants with making investment decisionsThe rate of return for the money market funds is reported on the websiteYTD of -0.64%This information is readily available to participants before making a decisionNationwide is not able to make recommendations, only perform exchanges upon requestPrior to a disbursement of funds, the funds must be invested within NationwideThey are not required to be in the Money Market Prime fund specificallyThe funds do have to be transferred back to Nationwide from any Self Directed Brokerage Account with TD AmeritradeMs*** chose to move the funds from TD Ameritrade into the Money Market Prime Fund.I sincerely apologize for any inconvenience this situation has caused, and the miscommunication from the employer regarding when the blackout period would beginShould you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 4:p.mEastern time.Sincerely,Nicole T*** *** ***
Thank you for the opportunity to respond to the complaint filed by Mr*** *** regarding his concerns with the above referenced policy with Nationwide Mutual Fire Insurance Company (***)We have reviewed the concerns expressed by Mr*** *** and will attempt to address them in this
*
letter.Homeowner Policy ######## On August 13, notification of non-renewal was mailed to Mr*** *** advising that his homeowner policy would be non-renewed effective September 30, as a result of him no longer meeting our eligibility requirements for our homeowner programMr*** *** had more than one weather related and one non-weather related loss within the past three yearsThere was no remaining balance due on the homeowner policy. Dwelling Fire Policy######## On September 7, a billing statement was mailed to Mr*** *** to the last known address on file, requesting payment of $85.89. Payment needed to be received by our Company by October 1, in order to prevent cancellation of the dwelling fire policyPayment was not received by the requested due date. On October 7, Notice of Cancellation was mailed to Mr*** *** to the last known address on file, informing Mr*** *hat payment of $be received by October 18, Payment was not received and as a result his dwelling fire policy cancelled effective October 19, A copy of the notification of cancellation is attached for your reference. Coverage was provided under policy 6341Tfor Mr*** *** from December 30, until it cancelled effective October 19, Unfortunately, the premiums paid did not completely cover the entire time coverage was provided, resulting in an outstanding balance of $99.67. On October 25, a billing statement was mailed to Mr*** *** requesting payment of $by November 13, for the remaining outstanding balanceA copy of the billing statement is attached for your referencePayment was not received by the requested due date and sent to collections on December 13, 2011. We appreciate the opportunity to review Mr*** ***’s business, and hope that this information will help to address his concernsIf you require further assistance, please contact our *** *** ***, Jose L***, at ###-###-#### or by email at ***Sincerely, Jennifer F
Thank you for the opportunity to respond to the concerns of *** *** regarding the above referenced policy withNationwide Mutual Fire Insurance CompanyThe home/car discount was removed from Ms***’s policy as herstandard auto policy with Nationwide was cancelled.Ms*** was offered and
accepted a policy with our non-standard company, Titan InsuranceOnce her standard autopolicy cancelled, the homeowner policy was no longer eligible for the home/car discountNationwide does not offer ahome/car discount for Titan policies at this time.We appreciate the opportunity to review Ms***’s business, and hope that this information will satisfy her concerns.If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### orby email at ***Sincerely,Patricia J*** ***
I did call them and cancel and the motor vehicle dept,and I was never late on any payments to them!
We are in receipt of your correspondence dated June 29, regarding the response received from Sean *** related to his denial to provide the necessary cancellation request forms and to remove him from our mailing list.At this time, Mr*** carries active motorcycle and renter’s policies with our companyMr*** may cancel his motorcycle and renter’s policies effective the June 12, inception date, however, we do require a signed cancellation form for each policy in order to process the cancellationWe do apologize for any inconvenience, but our company does require this request to be in writing.Per our previous response, Mr*** can complete and return the forms that were provided with our June 21, response via email to ***; fax to ###-###-####; or mail to Nationwide Mutual Insurance Company, *** *** ***, *** *** *** *** ** ***For immediate attention, he may also send them directly to our Customer Advocacy Coordinator, Janice K***, via email at *** or fax directly to her at ###-###-####.As of July 1, 2017, per his request, Mr***’ information has also been added to the “Do Not Contact” list, however, until the policy cancellation request forms are completed and returned, Mr*** will continue to receive policy documents and billing notifications related to the current active policies.If you require further assistance, please contact Janice Kleinhans at ###-###-#### or by email at ***Sincerely,Tara P***Senior AnalystCustomer Response & Resolution
I have reviewed the inquiry received from *** *** regarding his auto policy insured with Nationwide Agribusiness Insurance CompanyHe inquired about the cancellation of this policy and subsequent refund.Both *** *** and *** *** are named insureds under this policy providing
coverage for the following vehicles: Honda, Honda, Volkswagon, and CadillacOn November 3, *** contacted the Company Service Center to remove *** from the policy due to divorceThe service representative advised *** that because *** was also a named insured on the policy, we would need either proof of her other coverage or a request signed by her to remove her or her vehicles from the policyOn November 6, 2015, *** requested the Volkswagon and the Cadillac be removed from the policy effective November 3, as he obtained other coverage on those vehiclesThe deletion of those vehicles was processed as requested and a return premium of $was applied to the policyCoverage was still being provided for the and Hondas on the policyWe subsequently received a signed cancellation request for the remaining vehicles on the policy, and it was processed effective November 3, A notice advising of the cancellation of the policy per the insured’s request was sent to the address showing on the policy: *** *** *** *** *** ** ***We reached out to the ***’s local agent, *** *** ***, who had been working with *** on the auto and home policiesAccording to the agency, *** *** became unreasonable to the agency staff when they were not able to remove *** or her vehicles from the policy.The cancellation of the policy effective November 3, resulted in a premium refund of $based on the vehicles listed on the policy at the time of the cancellationPer ***’s request, the Volkswagon and Cadillac had already been removed from the policy which resulted in return premium of $applied to the policyThe policy cancellation was processed on November 16, to be effective November 3, The only vehicles listed on the policy at the time the cancellation was processed were the and Honda’s.The homeowner policy with our company is providing dwelling, personal property, personal liability, and premises liability for both *** and *** as they are both named insured’s on the policyIn order to protect the rights and coverage for both parties, a signed cancellation request or proof of other coverage from each party is needed to cancel the policyAny issues, payment, or refund descrepanices involving their policies and arising out of the ***’s divorce situation are a personal legal matter that should be handled between *** and *** and their legal representatives.If further assistance is needed in this matter, please contact me directly at ###-###-####.Sincerely,Gale G***
We are in receipt of the rebuttal for the
above referenced fileMs*** states that her veterinarian’s office faxed information to our office on August 30, 2017.Upon receipt of Ms***’s complaint, we contacted *** veterinarian for medical records in order to review our upgrade decisionWe received medical records from *** *** *** on November 30, The medical records confirmed that *** was diagnosed with a histiocytoma (skin mass) on her left ear on September 1, Additionally, the review also found that she was diagnosed with a granulomatous lesion on her left front foot in December of The histiocytoma and granulomatous lesion are non-upgradable when upgrading to the Whole Pet with Wellness PlanSince medical records do not indicate that the mass has been removed or has resolved, we are unable to approve *** upgrade at this time.We do not have record of any medical records submitted for *** on August 30, 2017.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Patty G***, at ###-###-#### or via email at ***Sincerely,Cindy C***Underwriting DirectorPET Insurance
Thank you for your recent inquiry regarding a complaint you received from *** *** I have reviewed this claim file and would like to address Ms***’s concerns If I do not provide the information you need for this matter, please do not hesitate to let me
know. Our insured, EJP Enterprises Inc, has a commercial auto policyThe name of the location for the business is *** *** * *** on this policy A claim was filed with Nationwide Insurance on October 4, for an engine fire loss due to work done by *** *** * *** on a Ford Taurus owned by Mark ***A fire expert was hired and the fire was confirmed to have originated in the area of the valve cover on the engine, recently replaced by *** *** * ***, verifying liability owed at 100% for this loss November Lori G***, Total loss representative, was assigned to handle the settlement with Mr***It was found that the assignment from the local representative was routed incorrectly, which delayed contact for days MsG*** called Mr*** and left him a voice mail to return her callShe also sent him an emailShe called Mr*** again on November 11, and left him another voice mailMr*** responded to MsG*** by email that he wanted $5,for the loss on his vehicle November 14, MsG*** received an email from Mr*** and was requesting a pain and suffering settlementShe replied that she would send a request to a representative in Casualty that would handle that, to get in contact with him to discuss this, as she was to handle on the total loss settlement for him on the claim November Joseph G***, casualty claims manager, reviewed the pain and suffering request and noted there was no mention that the claimants had sought treatment as a result of the smoke in the vehicleMichael B***, casualty claims representative called Mr*** and left him a voice mail requesting a call back regarding the injury allegation December MsG*** received and reviewed the engine receipt for consideration in adding to the valueThis added $and loss of use was also considered for days @ per day totaling $MsG*** called Mr*** and left him a voice message with the revisions to the settlement and also sent him an email Actual Cash Value = $1, Additional Consideration + $ Prior Damage Assessed = $457.21 Prior Damage Applied - $125.00 Subtotal ACV = $2, Sales Tax 6.0000% + $ Tag/Title Fee + $ Subtotal ACV = $2,839.50 Concession + $1, Net Settlement = $3, UPD- left quarter panel damage applied $as fair and reasonable. Upon acceptance of the settlement, MsG*** will issue payment for the total loss of the Ford Taurus to Mr*** upon receipt of the signed title from him If you require further assistance, please contact our Customer Relations Coordinator, Yvette S***, at ###-###-#### or by email at [email protected]
December 3,
*** ***
*** *** ***
*** *** *** ** *** ***
*** ***
***
*** ** ***
*** *** *** ** ***
*** *** *** ***
*** *** *** *** *** *** *** ***
*** ** ***
*** ** ***
Dear *** ***,
Thank you for the opportunity to respond to the RevDex.com regarding policy number *** for *** *** and to
address the concerns about the policy
On 9/26/*** *** *** contacted our service center
to add her son *** *** to her policy effective that date. She was provided a quoted premium increase
of $total, with each of her final installments increasing
$104.50. She was advised that her next
installments would draft for $on 10/12/and 11/10/2015. She accepted this quote and added *** to the
policy.
An issue arose when the Motor Vehicle Report was ordered for
*** as it was returned invalid, delaying the process of the driver addition
effective 9/26/until 10/22/2015. As
the 10/12/bill had been issued for $and that amount was paid on
10/12/2015, the final installment on 11/10/was increased the full $
and showed due for $
On 10/28/*** *** contacted our service center and
was advised of the delay in processing and premium increase reflecting on the
one installment instead of two. On
10/31/*** *** *** contacted our service center and requested the
removal of *** from the policy. Our
underwriting guidelines advise that all house hold members of legal driving age
are required to be rated on or excluded from the policy*** *** was
advised that we would not be able to remove *** from the policy without
proof he resided elsewhere.
*** *** requested his policy to be canceled effective
11/3/2015, which was processed on 11/9/2015.
An outstanding balance of $remains due
I trust that I have addressed the issues within the
complaint. If you require further assistance in this matter, please contact
our Customer Relations Coordinator, Charity W*** *** *** *** or by email
at ***
Sincerely,
Evan H***
SrAnalyst Customer
Resolution and Response
###-###-####
I have received Ms***’s response and would like to address her concerns Ms*** reached out to me directly last evening, and forwarded me numerous emails between her and the Nationwide claims adjusterI reviewed the emails and advised Ms*** then, and will reiterate it now, that Nationwide cannot compensate her or her son for pain and suffering until her insurance carrier, *** *** Insurance, pays the $threshold for medical billsIf that is done, pursuant to Kansas state statute, Nationwide can then make an offer for her and her son’s pain and sufferingWe contacted *** *** today, on December 6, 2016, and they confirmed they have not paid any bills for either Ms*** or her son, so we we are unable to make an offer to Ms*** at this time We apologize for any initial confusion regarding a settlement and payment of medical bills. However, as stated, we are unable to consider any injury settlement until the Kansas tort threshold has been met as per Kansas state statute. If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S***, at ###-###-#### or by email at ***@nationwide.com
We are in receipt of Ms***’s inquiry filed with your agency regarding Nationwide Auto policy***.Please be advised that Nationwide received and has responded to a Pennsylvania InsuranceDepartment complaint regarding this matterMs***’s cancellation was reversed and no lapsein
coverage occurredFor your review, I have enclosed a copy of our response letter to theDepartment dated October 7, 2016.On October 11, Auto Policy *** cancelled by request effective September 30, 2016.If you require further assistance, please do not hesitate to contact me.Sincerely,Cathy D***Customer Advocacy CoordinatorNationwide
I am rejecting this response because:
Regards,
*** ***
Dear Mr***
This is the second response to your inquiry sent via the Revdex.com. Our decision has not changed.
Your son, ***, holds a Class C drivers license. This license allows him to drive any noncommercial single vehicle with a GVWR of less than 26, pounds. Since he is a resident of your household and has access to your owned vehicles, he will be added to your policy as an occasional operator
Unless proof of insurance elsewhere can be provided, he will remain a listed driver on this policy
Sincerely,
Please accept this letter in response to Mr***’s concerns submittedto the Revdex.com regarding the processing time of the fullwithdrawal on his contractI hope you’ll find this information helpful inaddressing his concerns.Policy detailsComplainant: *** ***Owner: ***
***Policy number: ***NAIC code: 66869Complaint Number: ***What we foundI have enclosed the withdrawal form submitted by *** *** onJuly 27, at 2:p.mWe processed this on the same day of July27, in the gross amount of $44,667.70.Mr*** incurred a Contingent Deferred Sales Charge (CDSC) in theamount of $1500., therefore the net amount equaled $43,He didacknowledge the CDSC on page three of the withdrawal form before itwas processed.We did listen to the calls referenced in the complaint on July 27, at9:a.mand 1:p.mOn the 9:a.mcall, we stated Mr***would get the market value as of close that day if we receive thewithdrawal form by 4:pm EasternOn the call at 1:p.m., Mr.*** did state he would get $45,minus $in CDSC,however our representative informed him the withdrawal would be basedon the contract value as of the market close that day as opposed to theprevious day’s close.Unfortunately we can’t honor Mr***’s request to compensate himfor the market value difference between July 26, and July 27, 2015in the amount of $since we processed this transaction correctlyIf you have any further questions or concerns, please feel free to contact ErinM*** via telephone at ###-###-####, option *, extension *** or viaemail at ***Sincerely,Robert W*** ***
We are in receipt of your communicated dated April 13, submitted on behalf of Ms*** regarding communication concerns during her claim, as well as frustration with the payment process.I spoke with Ms*** on April 13, and we addressed her concernsWe apologize for any communication
issues during the claims process, as we strive to maintain consistent contact throughout the claim to keep the member informed.While the insured should have been advised of her mortgage company’s inclusion on the check, her mortgage information was not updated on her policyTherefore, when the claims team issued the payment, we were unaware of the outdated informationWhen this was brought to our attention, we re-issued the payment immediately and sent the check directly to the mortgage company per Ms***’s requestThe adjuster spoke with the mortgage company on April 18th to offer to send the estimate for repairs in order to expedite the process for our member.We regret that the complainant is unhappy with the handling of her claim, but we will continue to work with Ms*** to bring this claim to resolution.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty G*** at ###-###-#### or via email at ***.Sincerely,Averill Y*** *** ***