The representative for Nationwide is either uninformed or is not telling the whole truth as she skipped out detailing the FIRST rate increaseThe loan was raised from to 4.7% BEFORE the appraisal was completedI asked why because as the rep stated in the response to this complain, the posted bankrate terms were 750+ credit score and a CLTV below 80%Before we had even determined they CLTV through an appraisal I was already being bumped up to 4.7% despite my credit score having met the required amountThe agent told me it was because I needed to be under 65% CLTV to get the 4.4% rate, which is NOT what is advertised on bankrate.com (it says 80%)What the representative states next is TRUE, the appraisal was done and came in at 309k which pushed the CLTV to 85% and Nationwide offering me a 6.0% rateI disputed this appraisal on Tuesday 4/and submitted a formal page dispute with pictures and citings of all the errors in the appraisal early Wednesday morning 4/The appraisal was poorly done with multiple factual errors, and statements left in from a prior appraisal showing that they had hastily done a make from file and forgotten to edit/change multiple items that would have affected the value positively, had the Nationwide and the appraiser just been willing to correct the incorrectly listed garage square footage (appraisal said 350, actual is 660) in the cost to approach section of the appraisal, that would have bumped the appraised value high enough for me to have MET the 80% CLTVOr if they had removed the erroneously -$27,deduction that was keyed into one of the comps sale dates (it was an active listing! not even sold yet!) I may have hit the needed value on that alone.I asked Nationwide to please respond to my dispute within daysI sent a reminder out days in on Friday 4/that I was expecting a response by MondayThe agent instead sent me a vague "thanks for your business" email, when I called and spoke to him he said they were cancelling the application.This leaves us with issuesNationwide is still unfairly posting a 4.4% rate at under 80% CLTV and up credit score, however I was already bumped up to 4.7% before we even established the CLTV through an appraisalThis is illegal bait and switch advertisingNationwide was not willing to correct the factual errors in the appraisers report, if they were willing to do so the home would have achieved the $326k value it needed to meet the 80% CLTV which would have granted me the 4.7% rate, in the end it was take the bait switch 6.0% offer or we cancel on youRepresentative is stating that this HELOC is still open, however I was told via email and phone conversation on 4/22/that it was being cancelled
***The member contacted Nationwide on January 10, requesting that her Private Passenger Automobile policy, ***, be changed to a Named Non-Owner policySince these two types of insurance policies have different contracts and associated endorsements, the writing of a new policy for
the Named Non-owner was required along with a down payment to bind the new contract
In order to clarify the exact effective date that the member wished to have each of her three policies cancelled, the member was contacted on January 21, I have processed the cancellation of each policy as follows:
The Renters policy, ***, has been cancelled effective February 15, with neither a refund nor a collection as a result
The Private Passenger Automobile policy, ***, insuring the member’s Kia, has been cancelled effective January 10, resulting in a refund in the amount of $to be issued in the next two to three business days
The Named Non-Owner policy, ***, has been voided effective January 10, There is no refund being generated for this policy since the attempted charge to the member’s Visa card failedThe card transaction for $was rejected due to an incorrect Card Validation Value (CVV) and/or expiration date having been entered which explains why it never posted to her accountThe member has been made aware and is no longer expecting a refund as a result of the void cancellation of this policy
The member has been sent an email confirming the above informationIf further assistance is needed in this matter, please contact me directly at ###-###-####, ext***
Sincerely,
Lisa MM*** ***
There are witness that heard Agent *** *** state that the loan would be paid in full, she was on speaker phone and other people in my office heard her state when I ask twiceShe state yes it would be paid in full that is what GAP is for
Regards, *** ***
This is a follow up response for the above mentioned matter.I spoke to *** at *** Jewelers on 2/15/*** Jewelers had provided the original appraisal for the ring*** explained that he would not be willing to replace the ring for the estimate provided by ***I inquired as to what his cost would be for the replacement and he explained that it would be approximately $4,I also inquired if the diamond was purchased from *** would *** Jewelers create the ring for the member locally*** stated that he would not be willing use a diamond purchased from ***.I discussed the evaluation and the conversation I had with *** Jewelers with Mr*** *** on 2/16/We also discussed the policy conditions and the Market Value Report and estimate for the ring replacementMr*** advised that he wanted to work with a local jeweler and I understood and advised that he could work with the jeweler of his choiceHe was not comfortable working with *** as they were not local to his area.On 2/16/I contacted *** Jewelers which is located in Springfield, PA which is within miles of the ***’s homeI spoke to *** *** and discussed the estimate for the replacementMr*** reviewed the estimate and advised that he would be willing to replace the ring based on the estimate provided by ***Mr*** explained that the Market Value Report is inline and a fair price to replace the ringHe did explain that he would be willing to meet with Mrand Mrs*** to see the specifics of the ring so that the original could be replicated.I contacted Mr*** again on 2/16/Mrto discuss that *** Jewelers would be able to replace the ring based on the estimate we providedI provided the contact information for *** Jewelers to Mr*** and he explained he would discuss with Mrs*** and contact me at a later time to discuss.At this time, we believe that a fair settlement offer was made to Mrs***If you require further assistance, please contact our Customer Advocacy Coordinator Joey L***, at ###-###-#### or by email at ***@nationwide.com.Sincerely,
Thank you for the opportunity to respond to Mr***’s concerns regarding the cancellation of the above referenced automobile policy for non-payment of premium.A summary of the billing history on Mr***’s account is as follows:6/10/16: Bill sent for the amount of $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 $(this resulted in overpayment o $45.20).7/12/16: Bill sent for the amount of $due to the new renewal calculation on 7/6/resulted in higher monthly billing amount.7/12/16: Adjusted statement for $(this is the $minus the $overpayment) + $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 $+ $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 $plus $late fee (subtract the payment of$leaves balance due of $60.19).9/8/16: Warning notice sent for $due by 9/28/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 reinstatementDenial letter was mailed and excess payment refunded.Copies of the billing notices, warning/cancellation notice, and denial letter are included for your referenceWe are in compliance by mailing the billing statements to *** *** *** *** *** *** ** ***, the address provided on the billing accountThe cancellation notices are mailed to the last provided address on the policy which is *** *** *** *** *** ** ***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 years, and payment was not received prior to the 9/28/due date.If you have any further questions or concerns, please contact our *** *** ***, Janice K*** at ###-###-#### or email at ***Sincerely,Kristin M*** *** *** ***###-###-####
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** *** I will contact the listed advocacy personnel with the further documentations due to excess time will need to get documents together more than daysThank you and God Bless
I am writing in response to the above referenced claim filed by *** *** Ms*** has issues with the repair estimate written for her vehicle by Nationwide claims associate Catherine R***
On June 10, 2015, Nationwide claims associate, Catherine R***, met with Ms
*** at her residence and wrote a damage estimate for her Pontiac Montana. Catherine reviewed the estimate with Ms*** and provided her with two copiesCatherine explained to Ms*** that one copy was for her and the other was to give to the repair shop of her choiceCatherine explained the repair and rental processes and that Ms*** will be provided a rental vehicle while her van is in the shop for repairs. Catherine told Ms*** that if the shop finds additional damage or cannot repair her vehicle properly based on the estimate, the shop would contact Catherine and it would be addressed as a supplement estimate. Catherine issued a check to Ms*** for the amount of the repair estimate
Later that day, Ms*** went to *** *** *** *** and asked Mr*** to write an estimate on her vehicle. After Mr*** wrote an estimate, Ms*** showed Catherine’s estimate to him. Mr*** explained the supplement process to Ms*** and that he has worked with Catherine previously and any additional repairs would be addressed. At no time did Catherine R*** contact Mr*** to have him adjust his estimate as Ms*** alleges. Ms*** was not denied a rental vehicle. There is a note in the file by Enterprise Rent a Car employee, *** ***, on June 10, that Catherine R*** set up a rental for Ms***It is Nationwide’s position that if *** *** *** *** or any other shop finds additional damage to Ms***’s Pontiac or cannot properly repair it based on Catherine’s estimate, they can contact her and Ms***’s vehicle will be repaired to the condition it was in prior to the accident.
If you have any further questions please feel free to contact me
Sincerely,
Mike M***
*** ***
PH ###-###-####
E-mail: ***
Nationwide has made no move to resolve the issueThey have only restated the exact same thing as in their last responseOnce again, I have checked through my documents and there is no mention of the short rate clauseThe point of this complaint is not to tear down the company, but to reach a solution which satisfies both partiesI have moved already from paying nothing, to agreeing to pay $(the total of the portion of the policy that I used, the return fee, and the installment fee)Now it is up to Nationwide to do their part to come to an agreement
Regards, *** ***
Please allow this letter to serve as our response to Mrs***’s inquiry dated December 13,
The above-mentioned claim was filed by our insured *** *** on July 26, 2017, for damage to her
foundation and water damage to her basement with a date of loss of March 20, The policy
effective
date is February 2, and the expiration date is October 10, 2017, (requested by insured)
On July 26, 2017, Mrs*** contacted our Nationwide agent and stated that the basement cinder block
walls were shifting and there is lots of water damageOur agent transferred Mrs*** to our claims
department to determine if the damages were covered
The claim was assigned to our field claims associate Erin G*** on the same day as reportedErin
attempted contact with the policyholder on July 27, 2017, leaving a message for a return callErin
subsequently attempted contact again on July 31, and was able to speak with Mr***Mr***
explained to Erin that there were issues with his basement and water appeared to be entering through
cracks in the foundation wallMr*** wanted to know if there was coverage for damage to the ceiling
Erin advised Mr*** that she would have to do an investigation and inspect the property before she
could make a determinationThey agreed on an inspection time of August 2, 2017, at 10:in the
morning
Erin met with Mrs*** on August 2, 2017, and inspected the damagesMrs*** explained to Erin at
the time of inspection that she noticed water coming in around the steps area and contacted a contractor
Her contractor pulled the paneling back in this area and discovered the front wall was crumbling inward
They also observed that the brick veneer on the front of the wall was coming off and will need a complete
repair
Erin explained to Mrs*** the policy language and cause of loss would not be coveredShe specifically
referenced the exclusion for surface water that enters through a foundationErin produced a denial to the
***’s advising of same and referencing the policy language to supportSubsequently a risk report was
generated to underwriting addressing the foundation issues and the need for their maintenance
Office of Customer Advocacy | One Nationwide Plaza, 3-04-| Columbus, OH 43215-
The claim was subsequently denied for lack of coverage and no payments were issuedWe have
enclosed copies of the photos obtained during our investigation
On August 30, 2017, our underwriting department sent a policy notification (remedy) letter to Mrs***
advising her that during the claims investigation our claim associate found the following damages needed
to be repaired by November 30, or risk cancellation of the policy at the March 15, renewal
There are cracks in the foundation wall in the basement
The brick veneer on the front wall is pulling away from the house
The front porch is pulling from the house
On August 29, 2017, our agent left a voicemail message for Mrs*** to address the policy notification
letter that was sent by our underwriting departmentMrs*** did not return our agent’s phone callOn
September 12, 2017, our agent contacted Mrs*** again and she stated that the repairs to her home were
not completed and Our Company was not giving her much time to complete the workOn September 27,
2017, our agent spoke with Mr*** who stated the basement wall has been torn out and repaired and the
front steps have also been repairedOur agent explained to Mr*** that she will follow up with our
underwriting department to see if the current cancellation can be reversedOn October 11, 2017, our
underwriting department received photos that show the repairs to the damages listed above are in the
process of completionThe underwriting department informed our agent to resubmit the photos once all the
repairs have been completedThe policy will not cancel until March 15,
The policy notification (remedy) letter sent to Mrs*** on August 30, 2017, advising her of the damages
to her home will not result in any increase in premium from other carriers
A payment of $was applied directly to the auto policy *** on September 18, 2017, this
generated a refund on the policy of $as the balance of the auto policy was $
Mrs*** called our servicing department on October 6, 2017, because she had received a Notice of
Cancellation letter on her homeowner policy indicating that $was due by October 9, 2017, or the
policy would cancel for non-payment of premiumMrs*** advised our servicing department that she
made a payment to pay off the homeowner policy of $(***) but it does not appear to
have been applied to that accountOur servicing department advised Mrs*** they would reach out to the
accounting department to have the payment researched
The homeowner policy canceled for non-payment of premium on October 10, 2017, since the $was
not received as indicated on the warning noticeOnce the policy canceled a final bill was issued for $
as a collection balance on the homeowner policy
A cancellation request letter was received for the auto policy on October 17, 2017, indicating a request
cancellation date of October 16, The auto policy cancelled per Mrs***’s request and the
cancellation generated a refund of $517.40, which was issued to Mrand Mrs*** on October 24,
The refund was coming from the payment of $that was made to the auto policy on September 18,
2017, that was intended for the homeowner policyThe accounting department was not able to locate a
payment in the amount of $as originally advised by our servicing department since the payment
made was for $583.00, no further action was taken on the issue
On October 24, 2017, the agent called our servicing department and requested to have the $refund
from the auto policy moved to the homeowner policy and the homeowner policy reversed as the payment
of $was intended for the homeowner policy, and should have never canceledIt was also requested
that the late fee of $assessed to the homeowner policy be removed since payment was madeA
communication was sent to processing to have this done however, Mrs*** decided to cancel the
homeowner policy with the agent on the same day as a request on October 10, Once the cancellation
was processed on the homeowner policy and the late fee removed, the collection balance on the
Office of Customer Advocacy | One Nationwide Plaza, 3-04-| Columbus, OH 43215-
homeowner policy was reduced to $Mrs*** paid the collection balance on the homeowner policy
on December 4, 2017, which left the refund issued on the auto policy for $a valid refund for Mrand
Mrs*** since the $paid left a $balance on the homeowner policySince both policies were
moved to a different insurance company and the collection balance on the homeowner policy was paid, the
refund check for $will be reissued to Mrand Mrs*** as it has not yet been cashed
Nationwide apologizes for the handling of Mrand Mrs***’s concerns and have cancelled the policies as
requested and refunded the overpayment
If you require further assistance, please contact me, Dawn H***, at ###-###-#### or by email at
h***@nationwide.com
Nationwide has done a inspection of my house and who is to say they are doing other things during billingI do not have wood shakes on my house, I have expressed this three times to a customer service supervisor named OtisMy house has blue vinyl siding that looks like wood but in reality is vinylAttached is the comparison that was done in July and one in AugustIf my house is priced at 278,that is were all other companies should be priced atThey are overcharging me on a house that surely does NOT cost 278,to replaceIf this continues I will be continuing this complaint with a lawyerThere may be some differences but not 78,dollars worth....PLUS not to mention somehow Nationwide received a payment of the (not by us and Otis does not know who made the payment but it was by mail, and they reinstated our policyOtis said since that "back payment was paid they reinstated our policy" when I no longer want Nationwide and have Liberty Mutual. Someone is not doing there job at Nationwide and this needs to be further investigatedThank you
Regards, *** ***
January 22, 2016*** *** ***
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Dear *** ***In review of the *** appraisal there is no scientific info on how the value was derivedThere was anotation regarding the repair, but no explanation of the effect of the repairIn addition, it appears ***sells the used vehicles it purchasesThus, the offer figure is not necessarily the market value, (arm’slength transaction).Nationwide is still open to any other information *** *** would like to provide to support his diminishedvalue claimIf you have any additional questions please contact Angela S***, Customer RelationsCoordinator, Office of Customer Relations, ###-###-#### or ***Respectfully,Wendy K*** ***Claims ManagerNationwide PCIO | MidWest Operations | Material DamageC ###-###-#### | F ###-###-####***Office of Customer Advocacy | *** *** *** *** * *** ** ***
Complaint: ***
I am rejecting this response because: First, on the exclusion form, it is said that "Nationwide has agreed to exclude *** ***" from the policy which involves the formation of an agreement or binding contract between Nationwide and meThis signed contract and the assurance of my agent (who is a Nationwide Representative and who speaks on behalf of Nationwide) on the phone not to bother me anymore in the future for this matter, should engage Nationwide's responsibility to honor what they agreed to in the exclusion form and through the verbal notes of their representative on the phone In fact, Once the exclusion form has been submitted after the acceptance of Nationwide, they should not reject this agreement or binding contract as failing to honor it, also offers me the opportunity to reject our agreement and as a result I should have the right to request the reimbursement of all prior payments and revocation of all services rendered by Nationwide to me Finally, *** *** didn't have any license.Please, review the terms of the exclusion form/contract that I have previously submitted in order to resolve this issueThank you
Best Regards,*** ***
Thank you for your inquiry on behalf of *** ***.Policy detailsOwner: UnknownInsured: UnknownPolicy number: UnknownCase number: ***What I foundAfter searching our records, I could not locate any life insurance policy in the name of *** ***.Please have this client provide a copy of any document she received from our company which reflects herpolicy/contract numberThis will help us identify the area which services her policy.Upon receipt of this additional information, I will be glad to check our records furtherThank you for yourassistance.For help when you need itIf you have any questions or need additional information, contact our service center at ###-###-####Ourspecialists are available Monday through Friday, a.mto p.m., Eastern timeOr you can contact me by calling###-###-#### or by emailing ***.Sincerely,Kathy V*** ***Nationwide Life Insurance Company
I never e-signed anything that would put this policy in effect the policy was set to go in effect on July 24.I notified the agent on july that I was staying with *** ***The amount paid by Nationstar by mistake should be returned in the full amount.The person from Nationwide that myself and Nationstar rep had on three way call said the full amount would be returned without any action on my partI did not sign anything to put the policy in effect so I am not going to sign anything
Regards,
*** ***
This letter is in response to Mr*** message submitted to the Revdex.com received in our office onMarch 13, 2017.I am in receipt of the documentation provided by Mr*** to Sales Manager *** ***,and it has been forwarded for reviewThrough an oversight on my part, the documents were not sentfor review as stated in our February 27, responseI have sent the attached email to Mr.*** apologizing for the delay and thanking him for his patience.If you require further assistance, please let me know.Sincerely,Janice K***
I have read the response from nationwide I have never been satisfied with repairs As it is right now, there are issues with chain gouges/paint damage evident on the part of the frame they straightened Evidence of altered/twisted inner fender mounting bracket with paint damage Also, inner fender well-mounting holes not aligned properly, as they drilled other holes to mount and left open holes. At the time of nationwide inspection, Chad P*** was informed and took pictures of automobile He was informed of warning light on and transmission issues, that were not present before wreckChad stated his boss, Ronald S***, said not a result of wreck or towing with rear wheels on ground I contacted a repair shop that I use; they said transmission issue could be related to both At inspection of transmission, the repairs est@ $800.00, compared to D&D est.of $+ partsThe warning light issue - D&D ford repair shop knew of this at time of repair and just reset fault light It came on @miles later I repaired fault myself @ cost of $105.00,compared to D&D estof $The auto has only been driven a total of around miles since 10/07/2014, due to wreck and transmission issueThe Mustang was bought new in Octof and it only has 64,miles on it It was a birthday gift to my wife and she was the only driver The auto was always kept garaged and was free of any damage, until the wreck, it was considered in excellent conditionI had recently asked auto dealers about trading it in After car fax report, *** *** *** did not want it D&D would take it @ fair condition value, after transmission repair, which is $6417.00, compared to excellent condition of $8101.00, as it was prior to wreck; a loss of $to me A third Ford dealer said, they may take it if it passes inspection by their mechanics, good luck with thatThe conclusion is, nationwide insshould pay full loss of value @ $1684.00, as fair compensation I cannot see how nationwide insonly values loss @ $300.00, as even if it had no evident issues, it still would be devalued @ $ Please note I have received no compensation at this timeI have faxed Revdex.com the Kelly Blue Book evaluation of before and after wreck valuesThis shows how they rate autos in this situation.Thank You,
*** ***
Thank you for your recent inquiry regarding a complaint you received from our insured, Dan W*** I reviewed the complaint and the claim file and would like to address MrW***’s concerns This claim was handled under a Farmowner’s Policy underwritten by Nationwide
Agribusiness Insurance (Nationwide) This policy originally incepted on November 11, On April 21, 2017, MrW*** had a *** *** *** with Loader B& Mower added to the policy The tractor had a limit of $21,and a deductible of $2, A claim was reported for a loss on July 19, Claims Specialist Michael Charles C*** spoke with MrW*** on July 20th to discuss the details of the loss MrW*** explained that he was moving something with the tractor and had the item in the bucket when the item rolled out and hit the hood of the tractor causing damage There was damage to the hood, the bucket joystick, cluster gauge and the plastic around the steering wheel MrC*** went over the coverages which included $10,in rental, $5,for Extra Expense/Continuing Operations, and a $2,deductible An inspection would be performed to evaluate the damages. On July 25th, MrC*** spoke with MrW*** and MrW*** advised that there was a dispute over the amount of the deductible Until the dispute was settled, he didn’t want to move forward with the claim An investigation was being conducted by the Agency Support unit to determine if there had been an error on the behalf of the Agent’s office when the tractor was added to the policy as MrW*** had not intended for the deductible to be $2, On August 11th, MrC*** contacted MrW*** and informed him that the Agency Support investigation was complete and they found no error on the part of the Agent The deductible would remain at $2, MrW*** was upset and did not want anything done on the claim He advised that he intended to contact the Revdex.com, the Department of Insurance, and *** ** *** On August 15th, MrC*** spoke with MrW*** again He went over the settlement with him The repair estimate came to $3, After the deductible of $2,was taken, Nationwide owed a balance of $ MrC*** advised that he would be issuing a payment to Mr& MsW*** and their repair facility for $ The payment was issued on August 18, (check #***) to Heather & Dan W*** & *** *** *** The claim is now closed If you have any additional questions or concerns, feel free to contact Customer Advocacy Coordinator Yvette S*** at ###-###-#### or via e-mail at *** Sincerely, Julie C*** Claims Specialist III / MD Centralized Services Analytics & Customer Focus Team NATIONWIDE AGRIBUSINESS INSURANCE
I did provide proof to Mr Peters concerning the overdraft and I did not receive a call requesting I do not cash the checkMy husband deposited the check while I was out of townNot I.
Regards, *** ***
The representative for Nationwide is either uninformed or is not telling the whole truth as she skipped out detailing the FIRST rate increaseThe loan was raised from to 4.7% BEFORE the appraisal was completedI asked why because as the rep stated in the response to this complain, the posted bankrate terms were 750+ credit score and a CLTV below 80%Before we had even determined they CLTV through an appraisal I was already being bumped up to 4.7% despite my credit score having met the required amountThe agent told me it was because I needed to be under 65% CLTV to get the 4.4% rate, which is NOT what is advertised on bankrate.com (it says 80%)What the representative states next is TRUE, the appraisal was done and came in at 309k which pushed the CLTV to 85% and Nationwide offering me a 6.0% rateI disputed this appraisal on Tuesday 4/and submitted a formal page dispute with pictures and citings of all the errors in the appraisal early Wednesday morning 4/The appraisal was poorly done with multiple factual errors, and statements left in from a prior appraisal showing that they had hastily done a make from file and forgotten to edit/change multiple items that would have affected the value positively, had the Nationwide and the appraiser just been willing to correct the incorrectly listed garage square footage (appraisal said 350, actual is 660) in the cost to approach section of the appraisal, that would have bumped the appraised value high enough for me to have MET the 80% CLTVOr if they had removed the erroneously -$27,deduction that was keyed into one of the comps sale dates (it was an active listing! not even sold yet!) I may have hit the needed value on that alone.I asked Nationwide to please respond to my dispute within daysI sent a reminder out days in on Friday 4/that I was expecting a response by MondayThe agent instead sent me a vague "thanks for your business" email, when I called and spoke to him he said they were cancelling the application.This leaves us with issuesNationwide is still unfairly posting a 4.4% rate at under 80% CLTV and up credit score, however I was already bumped up to 4.7% before we even established the CLTV through an appraisalThis is illegal bait and switch advertisingNationwide was not willing to correct the factual errors in the appraisers report, if they were willing to do so the home would have achieved the $326k value it needed to meet the 80% CLTV which would have granted me the 4.7% rate, in the end it was take the bait switch 6.0% offer or we cancel on youRepresentative is stating that this HELOC is still open, however I was told via email and phone conversation on 4/22/that it was being cancelled
***The member contacted Nationwide on January 10, requesting that her Private Passenger Automobile policy, ***, be changed to a Named Non-Owner policySince these two types of insurance policies have different contracts and associated endorsements, the writing of a new policy for
the Named Non-owner was required along with a down payment to bind the new contract
In order to clarify the exact effective date that the member wished to have each of her three policies cancelled, the member was contacted on January 21, I have processed the cancellation of each policy as follows:
The Renters policy, ***, has been cancelled effective February 15, with neither a refund nor a collection as a result
The Private Passenger Automobile policy, ***, insuring the member’s Kia, has been cancelled effective January 10, resulting in a refund in the amount of $to be issued in the next two to three business days
The Named Non-Owner policy, ***, has been voided effective January 10, There is no refund being generated for this policy since the attempted charge to the member’s Visa card failedThe card transaction for $was rejected due to an incorrect Card Validation Value (CVV) and/or expiration date having been entered which explains why it never posted to her accountThe member has been made aware and is no longer expecting a refund as a result of the void cancellation of this policy
The member has been sent an email confirming the above informationIf further assistance is needed in this matter, please contact me directly at ###-###-####, ext***
Sincerely,
Lisa MM*** ***
There are witness that heard Agent *** *** state that the loan would be paid in full, she was on speaker phone and other people in my office heard her state when I ask twiceShe state yes it would be paid in full that is what GAP is for
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***
This is a follow up response for the above mentioned matter.I spoke to *** at *** Jewelers on 2/15/*** Jewelers had provided the original appraisal for the ring*** explained that he would not be willing to replace the ring for the estimate provided by ***I inquired as to what his cost would be for the replacement and he explained that it would be approximately $4,I also inquired if the diamond was purchased from *** would *** Jewelers create the ring for the member locally*** stated that he would not be willing use a diamond purchased from ***.I discussed the evaluation and the conversation I had with *** Jewelers with Mr*** *** on 2/16/We also discussed the policy conditions and the Market Value Report and estimate for the ring replacementMr*** advised that he wanted to work with a local jeweler and I understood and advised that he could work with the jeweler of his choiceHe was not comfortable working with *** as they were not local to his area.On 2/16/I contacted *** Jewelers which is located in Springfield, PA which is within miles of the ***’s homeI spoke to *** *** and discussed the estimate for the replacementMr*** reviewed the estimate and advised that he would be willing to replace the ring based on the estimate provided by ***Mr*** explained that the Market Value Report is inline and a fair price to replace the ringHe did explain that he would be willing to meet with Mrand Mrs*** to see the specifics of the ring so that the original could be replicated.I contacted Mr*** again on 2/16/Mrto discuss that *** Jewelers would be able to replace the ring based on the estimate we providedI provided the contact information for *** Jewelers to Mr*** and he explained he would discuss with Mrs*** and contact me at a later time to discuss.At this time, we believe that a fair settlement offer was made to Mrs***If you require further assistance, please contact our Customer Advocacy Coordinator Joey L***, at ###-###-#### or by email at ***@nationwide.com.Sincerely,
Thank you for the opportunity to respond to Mr***’s concerns regarding the cancellation of the above referenced automobile policy for non-payment of premium.A summary of the billing history on Mr***’s account is as follows:6/10/16: Bill sent for the amount of $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 $(this resulted in overpayment o $45.20).7/12/16: Bill sent for the amount of $due to the new renewal calculation on 7/6/resulted in higher monthly billing amount.7/12/16: Adjusted statement for $(this is the $minus the $overpayment) + $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 $+ $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 $plus $late fee (subtract the payment of$leaves balance due of $60.19).9/8/16: Warning notice sent for $due by 9/28/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 reinstatementDenial letter was mailed and excess payment refunded.Copies of the billing notices, warning/cancellation notice, and denial letter are included for your referenceWe are in compliance by mailing the billing statements to *** *** *** *** *** *** ** ***, the address provided on the billing accountThe cancellation notices are mailed to the last provided address on the policy which is *** *** *** *** *** ** ***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 years, and payment was not received prior to the 9/28/due date.If you have any further questions or concerns, please contact our *** *** ***, Janice K*** at ###-###-#### or email at ***Sincerely,Kristin M*** *** *** ***###-###-####
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** *** I will contact the listed advocacy personnel with the further documentations due to excess time will need to get documents together more than daysThank you and God Bless
I am writing in response to the above referenced claim filed by *** *** Ms*** has issues with the repair estimate written for her vehicle by Nationwide claims associate Catherine R***
On June 10, 2015, Nationwide claims associate, Catherine R***, met with Ms
*** at her residence and wrote a damage estimate for her Pontiac Montana. Catherine reviewed the estimate with Ms*** and provided her with two copiesCatherine explained to Ms*** that one copy was for her and the other was to give to the repair shop of her choiceCatherine explained the repair and rental processes and that Ms*** will be provided a rental vehicle while her van is in the shop for repairs. Catherine told Ms*** that if the shop finds additional damage or cannot repair her vehicle properly based on the estimate, the shop would contact Catherine and it would be addressed as a supplement estimate. Catherine issued a check to Ms*** for the amount of the repair estimate
Later that day, Ms*** went to *** *** *** *** and asked Mr*** to write an estimate on her vehicle. After Mr*** wrote an estimate, Ms*** showed Catherine’s estimate to him. Mr*** explained the supplement process to Ms*** and that he has worked with Catherine previously and any additional repairs would be addressed. At no time did Catherine R*** contact Mr*** to have him adjust his estimate as Ms*** alleges. Ms*** was not denied a rental vehicle. There is a note in the file by Enterprise Rent a Car employee, *** ***, on June 10, that Catherine R*** set up a rental for Ms***It is Nationwide’s position that if *** *** *** *** or any other shop finds additional damage to Ms***’s Pontiac or cannot properly repair it based on Catherine’s estimate, they can contact her and Ms***’s vehicle will be repaired to the condition it was in prior to the accident.
If you have any further questions please feel free to contact me
Sincerely,
Mike M***
*** ***
PH ###-###-####
E-mail: ***
Nationwide has made no move to resolve the issueThey have only restated the exact same thing as in their last responseOnce again, I have checked through my documents and there is no mention of the short rate clauseThe point of this complaint is not to tear down the company, but to reach a solution which satisfies both partiesI have moved already from paying nothing, to agreeing to pay $(the total of the portion of the policy that I used, the return fee, and the installment fee)Now it is up to Nationwide to do their part to come to an agreement
Regards, *** ***
Please allow this letter to serve as our response to Mrs***’s inquiry dated December 13,
The above-mentioned claim was filed by our insured *** *** on July 26, 2017, for damage to her
foundation and water damage to her basement with a date of loss of March 20, The policy
effective
date is February 2, and the expiration date is October 10, 2017, (requested by insured)
On July 26, 2017, Mrs*** contacted our Nationwide agent and stated that the basement cinder block
walls were shifting and there is lots of water damageOur agent transferred Mrs*** to our claims
department to determine if the damages were covered
The claim was assigned to our field claims associate Erin G*** on the same day as reportedErin
attempted contact with the policyholder on July 27, 2017, leaving a message for a return callErin
subsequently attempted contact again on July 31, and was able to speak with Mr***Mr***
explained to Erin that there were issues with his basement and water appeared to be entering through
cracks in the foundation wallMr*** wanted to know if there was coverage for damage to the ceiling
Erin advised Mr*** that she would have to do an investigation and inspect the property before she
could make a determinationThey agreed on an inspection time of August 2, 2017, at 10:in the
morning
Erin met with Mrs*** on August 2, 2017, and inspected the damagesMrs*** explained to Erin at
the time of inspection that she noticed water coming in around the steps area and contacted a contractor
Her contractor pulled the paneling back in this area and discovered the front wall was crumbling inward
They also observed that the brick veneer on the front of the wall was coming off and will need a complete
repair
Erin explained to Mrs*** the policy language and cause of loss would not be coveredShe specifically
referenced the exclusion for surface water that enters through a foundationErin produced a denial to the
***’s advising of same and referencing the policy language to supportSubsequently a risk report was
generated to underwriting addressing the foundation issues and the need for their maintenance
Office of Customer Advocacy | One Nationwide Plaza, 3-04-| Columbus, OH 43215-
The claim was subsequently denied for lack of coverage and no payments were issuedWe have
enclosed copies of the photos obtained during our investigation
On August 30, 2017, our underwriting department sent a policy notification (remedy) letter to Mrs***
advising her that during the claims investigation our claim associate found the following damages needed
to be repaired by November 30, or risk cancellation of the policy at the March 15, renewal
There are cracks in the foundation wall in the basement
The brick veneer on the front wall is pulling away from the house
The front porch is pulling from the house
On August 29, 2017, our agent left a voicemail message for Mrs*** to address the policy notification
letter that was sent by our underwriting departmentMrs*** did not return our agent’s phone callOn
September 12, 2017, our agent contacted Mrs*** again and she stated that the repairs to her home were
not completed and Our Company was not giving her much time to complete the workOn September 27,
2017, our agent spoke with Mr*** who stated the basement wall has been torn out and repaired and the
front steps have also been repairedOur agent explained to Mr*** that she will follow up with our
underwriting department to see if the current cancellation can be reversedOn October 11, 2017, our
underwriting department received photos that show the repairs to the damages listed above are in the
process of completionThe underwriting department informed our agent to resubmit the photos once all the
repairs have been completedThe policy will not cancel until March 15,
The policy notification (remedy) letter sent to Mrs*** on August 30, 2017, advising her of the damages
to her home will not result in any increase in premium from other carriers
A payment of $was applied directly to the auto policy *** on September 18, 2017, this
generated a refund on the policy of $as the balance of the auto policy was $
Mrs*** called our servicing department on October 6, 2017, because she had received a Notice of
Cancellation letter on her homeowner policy indicating that $was due by October 9, 2017, or the
policy would cancel for non-payment of premiumMrs*** advised our servicing department that she
made a payment to pay off the homeowner policy of $(***) but it does not appear to
have been applied to that accountOur servicing department advised Mrs*** they would reach out to the
accounting department to have the payment researched
The homeowner policy canceled for non-payment of premium on October 10, 2017, since the $was
not received as indicated on the warning noticeOnce the policy canceled a final bill was issued for $
as a collection balance on the homeowner policy
A cancellation request letter was received for the auto policy on October 17, 2017, indicating a request
cancellation date of October 16, The auto policy cancelled per Mrs***’s request and the
cancellation generated a refund of $517.40, which was issued to Mrand Mrs*** on October 24,
The refund was coming from the payment of $that was made to the auto policy on September 18,
2017, that was intended for the homeowner policyThe accounting department was not able to locate a
payment in the amount of $as originally advised by our servicing department since the payment
made was for $583.00, no further action was taken on the issue
On October 24, 2017, the agent called our servicing department and requested to have the $refund
from the auto policy moved to the homeowner policy and the homeowner policy reversed as the payment
of $was intended for the homeowner policy, and should have never canceledIt was also requested
that the late fee of $assessed to the homeowner policy be removed since payment was madeA
communication was sent to processing to have this done however, Mrs*** decided to cancel the
homeowner policy with the agent on the same day as a request on October 10, Once the cancellation
was processed on the homeowner policy and the late fee removed, the collection balance on the
Office of Customer Advocacy | One Nationwide Plaza, 3-04-| Columbus, OH 43215-
homeowner policy was reduced to $Mrs*** paid the collection balance on the homeowner policy
on December 4, 2017, which left the refund issued on the auto policy for $a valid refund for Mrand
Mrs*** since the $paid left a $balance on the homeowner policySince both policies were
moved to a different insurance company and the collection balance on the homeowner policy was paid, the
refund check for $will be reissued to Mrand Mrs*** as it has not yet been cashed
Nationwide apologizes for the handling of Mrand Mrs***’s concerns and have cancelled the policies as
requested and refunded the overpayment
If you require further assistance, please contact me, Dawn H***, at ###-###-#### or by email at
h***@nationwide.com
Nationwide has done a inspection of my house and who is to say they are doing other things during billingI do not have wood shakes on my house, I have expressed this three times to a customer service supervisor named OtisMy house has blue vinyl siding that looks like wood but in reality is vinylAttached is the comparison that was done in July and one in AugustIf my house is priced at 278,that is were all other companies should be priced atThey are overcharging me on a house that surely does NOT cost 278,to replaceIf this continues I will be continuing this complaint with a lawyerThere may be some differences but not 78,dollars worth....PLUS not to mention somehow Nationwide received a payment of the (not by us and Otis does not know who made the payment but it was by mail, and they reinstated our policyOtis said since that "back payment was paid they reinstated our policy" when I no longer want Nationwide and have Liberty Mutual. Someone is not doing there job at Nationwide and this needs to be further investigatedThank you
Regards, *** ***
January 22, 2016*** *** ***
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Dear *** ***In review of the *** appraisal there is no scientific info on how the value was derivedThere was anotation regarding the repair, but no explanation of the effect of the repairIn addition, it appears ***sells the used vehicles it purchasesThus, the offer figure is not necessarily the market value, (arm’slength transaction).Nationwide is still open to any other information *** *** would like to provide to support his diminishedvalue claimIf you have any additional questions please contact Angela S***, Customer RelationsCoordinator, Office of Customer Relations, ###-###-#### or ***Respectfully,Wendy K*** ***Claims ManagerNationwide PCIO | MidWest Operations | Material DamageC ###-###-#### | F ###-###-####***Office of Customer Advocacy | *** *** *** *** * *** ** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meRegards, *** ***
Complaint: ***
I am rejecting this response because: First, on the exclusion form, it is said that "Nationwide has agreed to exclude *** ***" from the policy which involves the formation of an agreement or binding contract between Nationwide and meThis signed contract and the assurance of my agent (who is a Nationwide Representative and who speaks on behalf of Nationwide) on the phone not to bother me anymore in the future for this matter, should engage Nationwide's responsibility to honor what they agreed to in the exclusion form and through the verbal notes of their representative on the phone In fact, Once the exclusion form has been submitted after the acceptance of Nationwide, they should not reject this agreement or binding contract as failing to honor it, also offers me the opportunity to reject our agreement and as a result I should have the right to request the reimbursement of all prior payments and revocation of all services rendered by Nationwide to me Finally, *** *** didn't have any license.Please, review the terms of the exclusion form/contract that I have previously submitted in order to resolve this issueThank you
Best Regards,*** ***
Thank you for your inquiry on behalf of *** ***.Policy detailsOwner: UnknownInsured: UnknownPolicy number: UnknownCase number: ***What I foundAfter searching our records, I could not locate any life insurance policy in the name of *** ***.Please have this client provide a copy of any document she received from our company which reflects herpolicy/contract numberThis will help us identify the area which services her policy.Upon receipt of this additional information, I will be glad to check our records furtherThank you for yourassistance.For help when you need itIf you have any questions or need additional information, contact our service center at ###-###-####Ourspecialists are available Monday through Friday, a.mto p.m., Eastern timeOr you can contact me by calling###-###-#### or by emailing ***.Sincerely,Kathy V*** ***Nationwide Life Insurance Company
I never e-signed anything that would put this policy in effect the policy was set to go in effect on July 24.I notified the agent on july that I was staying with *** ***The amount paid by Nationstar by mistake should be returned in the full amount.The person from Nationwide that myself and Nationstar rep had on three way call said the full amount would be returned without any action on my partI did not sign anything to put the policy in effect so I am not going to sign anything
Regards,
*** ***
This letter is in response to Mr*** message submitted to the Revdex.com received in our office onMarch 13, 2017.I am in receipt of the documentation provided by Mr*** to Sales Manager *** ***,and it has been forwarded for reviewThrough an oversight on my part, the documents were not sentfor review as stated in our February 27, responseI have sent the attached email to Mr.*** apologizing for the delay and thanking him for his patience.If you require further assistance, please let me know.Sincerely,Janice K***
I have read the response from nationwide I have never been satisfied with repairs As it is right now, there are issues with chain gouges/paint damage evident on the part of the frame they straightened Evidence of altered/twisted inner fender mounting bracket with paint damage Also, inner fender well-mounting holes not aligned properly, as they drilled other holes to mount and left open holes. At the time of nationwide inspection, Chad P*** was informed and took pictures of automobile He was informed of warning light on and transmission issues, that were not present before wreckChad stated his boss, Ronald S***, said not a result of wreck or towing with rear wheels on ground I contacted a repair shop that I use; they said transmission issue could be related to both At inspection of transmission, the repairs est@ $800.00, compared to D&D est.of $+ partsThe warning light issue - D&D ford repair shop knew of this at time of repair and just reset fault light It came on @miles later I repaired fault myself @ cost of $105.00,compared to D&D estof $The auto has only been driven a total of around miles since 10/07/2014, due to wreck and transmission issueThe Mustang was bought new in Octof and it only has 64,miles on it It was a birthday gift to my wife and she was the only driver The auto was always kept garaged and was free of any damage, until the wreck, it was considered in excellent conditionI had recently asked auto dealers about trading it in After car fax report, *** *** *** did not want it D&D would take it @ fair condition value, after transmission repair, which is $6417.00, compared to excellent condition of $8101.00, as it was prior to wreck; a loss of $to me A third Ford dealer said, they may take it if it passes inspection by their mechanics, good luck with thatThe conclusion is, nationwide insshould pay full loss of value @ $1684.00, as fair compensation I cannot see how nationwide insonly values loss @ $300.00, as even if it had no evident issues, it still would be devalued @ $ Please note I have received no compensation at this timeI have faxed Revdex.com the Kelly Blue Book evaluation of before and after wreck valuesThis shows how they rate autos in this situation.Thank You,
*** ***
Thank you for your recent inquiry regarding a complaint you received from our insured, Dan W*** I reviewed the complaint and the claim file and would like to address MrW***’s concerns This claim was handled under a Farmowner’s Policy underwritten by Nationwide
Agribusiness Insurance (Nationwide) This policy originally incepted on November 11, On April 21, 2017, MrW*** had a *** *** *** with Loader B& Mower added to the policy The tractor had a limit of $21,and a deductible of $2, A claim was reported for a loss on July 19, Claims Specialist Michael Charles C*** spoke with MrW*** on July 20th to discuss the details of the loss MrW*** explained that he was moving something with the tractor and had the item in the bucket when the item rolled out and hit the hood of the tractor causing damage There was damage to the hood, the bucket joystick, cluster gauge and the plastic around the steering wheel MrC*** went over the coverages which included $10,in rental, $5,for Extra Expense/Continuing Operations, and a $2,deductible An inspection would be performed to evaluate the damages. On July 25th, MrC*** spoke with MrW*** and MrW*** advised that there was a dispute over the amount of the deductible Until the dispute was settled, he didn’t want to move forward with the claim An investigation was being conducted by the Agency Support unit to determine if there had been an error on the behalf of the Agent’s office when the tractor was added to the policy as MrW*** had not intended for the deductible to be $2, On August 11th, MrC*** contacted MrW*** and informed him that the Agency Support investigation was complete and they found no error on the part of the Agent The deductible would remain at $2, MrW*** was upset and did not want anything done on the claim He advised that he intended to contact the Revdex.com, the Department of Insurance, and *** ** *** On August 15th, MrC*** spoke with MrW*** again He went over the settlement with him The repair estimate came to $3, After the deductible of $2,was taken, Nationwide owed a balance of $ MrC*** advised that he would be issuing a payment to Mr& MsW*** and their repair facility for $ The payment was issued on August 18, (check #***) to Heather & Dan W*** & *** *** *** The claim is now closed If you have any additional questions or concerns, feel free to contact Customer Advocacy Coordinator Yvette S*** at ###-###-#### or via e-mail at *** Sincerely, Julie C*** Claims Specialist III / MD Centralized Services Analytics & Customer Focus Team NATIONWIDE AGRIBUSINESS INSURANCE
I did provide proof to Mr Peters concerning the overdraft and I did not receive a call requesting I do not cash the checkMy husband deposited the check while I was out of townNot I.
Regards, *** ***