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, *** ***
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***
Good afternoon,
Yesterday afternoon at 2:42pm I contacted lexis nexisI spoke to a representative who stated that the accident was reporting inaccurately on my record and was left as "blank" by NationwideInsurance companies view this as "AT FAULT' when reviewing my driving recordThe representative did not have access to tell me when my file was updated to show "NOT AT FAULT" but did disclose that it was updated recentlyDue to Nationwide's error in reporting my information inaccurately I have not been able to get an accurate insurance quote from other companiesI also have yet to receive any information on their end stating that they made an errorIn addition I have been most likely being charged more for my insurance premium every month since last June There was no disclosure that my insurance rate would go up upon my renewal due to my vehicle age, yet that is what they stated in my complaintThe rate increased upon my renewal shortly after my accidentThis increase is clearly due to the way Nationwide reported my accident
We are in receipt of your correspondence dated March 14, regarding *** *** and his rejection to our response provided on March 10, I will be happy to respond to Mr***’s additional correspondence.Nationwide is not able to accommodate Mr***’s expected resolution to apply a 40% verified SmartRide Discount to the Chevrolet Silverado as the vehicle has not completed the data collection period for the SmartRide programNationwide is required to remain compliant with the regulatory filings that that Company files with the Colorado Department of InsuranceThese filings do not allow the Company to provide compensation to Mr*** or add a discount to a vehicle for which the vehicle does not qualifyAdditionally, as stated in our March 10, response, Mr*** was correctly advised of the SmartRide program.If the vehicle remains enrolled in the SmartRide program, a verified SmartRide Discount will be applied on the September 30, renewal term as determined by the data collected during the data collection period.If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K***, at ###-###-#### or by email at ***Sincerely,Jake M***
[To assist us in bringing this matter to a close, you must give us a re*** why you are rejecting the responseIf no re*** is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because:In response to the statements made above some things were incorrect such as the statement “she felt that his response to my request was unacceptable” my request was never mentioned I was inquiring about specific documents that would be neededNext I didn’t not make a demand of 3-4k I explained to Ed when he called I was not expecting that amountI was simply doing as another Nationwide employee had suggested to get a starting point of negotiationAlso during the call I had informed Ed that *** had indeed fixed my window and corrected the issue, As he stated he has brought in a third party inspector to estimate the damagesI would like to be clear in no way did Nationwide try to resolve the issue through negotiationI received a call from *** yesterday she sat a time and she called back again this morning to change the timeAgain Nationwide received the certified letter for diminished value on November 8thand it was received and I was contacted November 10thno communication until the call I received on December 1stafter reported to the Revdex.com my inspection will not be performeduntil December 12th(if it isn’t changed) and I will wait until the report is complete to finally get to the negotiation stages with the holidays I feel a fair offer could have had this over and done with instead they have chosen to pay a third party as I told him this is not about money more about principle
Regards,
*** ***
We are in receipt of Ms***’s rebuttal of our response to the above referenced caseMs*** states that her premium for both of her pet’s *** and *** was the sameShe believes this indicates that *** had the same policy coverage as *** which includes a Wellness Rider.Below is a summary of coverage and premiums paid for each pet Policy C-*** for ***: The annual premium for ***’s Major Medical plan with a $annual deductible was $A $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $As stated in our previous response the premium of $was for the Major Medical Plan only and it did not include a Wellness Rider Policy C-for ***: Ms*** applied for the Major-Medical Plan with a $annual deductible on October 16, for her dog, ***The policy was approved with a policy effective date of October 29,As with her dog, ***, Ms*** applied through the Nationwide Pet website and did not select a Wellness Rider at that timeHowever, Ms*** called our sales department on October 18, and asked to add a Wellness Rider to ***’s policyThe sales agent was able to add the rider, because the request was made before and within the first days of ***’s policy effective date The original premium for ***’s policy was $398.62, however, with the addition of the Wellness Rider the premium became $An $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $ As explained in our previous response, once ***’s policy came into effect on January 29, 2017, Ms*** had days to review her policy and add a Pet Wellness RiderAt this time, we are unable to add the Wellness Rider to ***’s current policy, however, it can be added during the 60-day renewal period at Ms***’s request Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Cathy D***, at ###-###-#### or via email at *** Sincerely, Christopher M*** Claims Director
I am now in possession of the claim report related to the water damage. Still quite frustrating that it took so long to get written results rather than just voice messages.I have finally been contacted regard the shower door explosion, which
was part of my claim on 9/30. I still find it unacceptable that I was
given the run around about needing to open a new claim when this was part of the reason I reported the claim on 9/30. I've been told that someone will folland that a check to cover the expense of the replacement shower door will follow. Since I have not seen any follreport or the reimbursement check this issue is not resolved.It is now Nov 11th, six weeks since I reported and filed the claim and the primary reason for this Revdex.com complaint. Assuming I do receive a formal report and reimbursement check for the replacement of my shower door, then that will address this complaint. Had Nationwide taken ownership of my claim and acted in a timely fashion, we would not be involved in this complaint.So until this customer of years see's some proof, you have not honored your responsibility as my insurance company
Still very frustrated,
Glenn Rogers
This letter is in response to your recent inquiry on behalf of the above named complainant, *** ***, which was received by our company February 22, 2016.Ms. ***’s concern was to have her phone number added to our Do Not Call List. We have processed her request effective
February 22, A copy of a letter we have emailed to Ms*** is attached for your review Our phone lists are prepared in advance; we advised her to please allow approximately days for her information to be completely removed from our lists.The federal DNC list is managed by the Federal Trade Commission (FTC). Consumers may register their telephone numbers on the federal DNC list via a toll-free number, ###-###-####, or online at: http://www.donotcall.gov. Thank you for this opportunity to review Ms***’s concerns. If we may offer any further assistance in this matter, please do not hesitate to contact me at ***@nationwide.com or via phone at ###-###-####.Sincerely,
For starters a $1,increase in policy from last to this year is absurdNothing has changed the fire department not moved, the fire hydrants have not moved and the house is still where it was built. What has changed are the classificationsCorrect me if I'm wrong the only way you can increase premiums on policy holders such as myself that have basically a clean record, with no claims in years, is to request classification changesThese classification changes then allow you to increase premiums At this time, I am requesting all filing for classification changes, documentation that effected my policy and whom was this filed with Also I am requesting the response and or final documentation on the approval Which includes but not limited to rate filing as well as classification changes. Also, When my local agent for Nationwide retired I received a card from an agency in *** *** SC stating they were handling my policyWhen I first was made aware of the premium increase I call the Nationwide number listed on the policy and was referred to the agent in *** *** **I called the agency and asked to speak to *** *** (the Agent) back on 5-24- he has yet to call me or made any to contact me in regards to this issueI did talk to a female named *** whom referred me to Nationwide for answers Therefore the agent in my opinion is absolutely useless and has no help or made any attempt to help understand this increaseI 'm requesting that any commission paid to this agent be return and credited to my policy Premium because he has done nothing for me and yet my money goes to him I feel the $1,increase is not warranted and outrageous and should be refunded for nothing I have done has caused this (absolutely no claims) It is the greed of the insurance company to change the classifications in order to increase premiums
Regards,
*** *** ***
Thank you for the opportunity to respond to Ms*** concerns regarding the cancellation of the above referenced homeowner’s policy Review of the policy indicates Ms*** wrote her policy with Nationwide effective December 16, 2016. Nationwide received a home
inspection from our outside vendor in January. Review of the inspection indicated that hazards were found. The goat barn, and spring house were not structurally sound and would need to be remedied. Nationwide issued a rejection letter on February 2, 2017, with a cancellation date of February 17, 2017. The policy was cancelled within the 90-day review period. Virginia law requires a 10-day notice, and Nationwide also provides an additional days for mailing timeAttached is a copy of the cancellation notice. Upon receipt of the complaint by Ms***, Nationwide reached out to her to advise upon further review, Underwriting will agree to allow Ms*** to provide the remedies (goat house torn down, and interior photos of spring house, to determine structurally sound) by March 15, 2017. If the remedies are not provided by that date, a new cancellation letter will be issued Ms*** was agreeable to this additional time to remedy the hazardsI provided my email address, ***@nationwide.com to forward the remedies when they are completed If you have any further questions or concerns, please contact our Customer Relations Coordinator, Kris C*** at ###-###-#### or email [email protected]
This is in response to the inquiry received on April 21, for the above policyholder and her property policy. Ms*** has expressed concerns on our Company’s calculated replacement cost and that it was increased after the personal property policy was purchasedOur Company’s
application for a personal property policy states that Nationwide Mutual Insurance Company or its affiliate or subsidiary company providing coverage can make adjustments to Coverage A or commonly known as the replacement/reconstruction coverage. It goes on to state changes will be made based on a Home Care review that will be completed on the homeMr*** signed the application agreeing to this process. A copy of the application has been enclosed The Home Care review took place on July 23, with an interior and exterior survey being completedThis review revealed several discrepancy’s compared to what Mr*** provided during the application process on the interior and exterior of the home that contributed to the increase in replacement costThey are: At the time of the application 100% vinyl siding was indicated, during our review the inspector indicated the home was 80% wood shakes and 20% wood sidingSquare footage for the porch, square footage for the greenhouse and square footage for an additional porch were not included on the application.On the application it was stated the home was 100% drywall, during the review it was found to be a 100% plaster.Hardwood floors were entered as 40% during the application, however the inspector found it to be 75% hardwood floors There are several other items that were updated but the above are some of the main differences that increased the replacement cost from $201,to $278,A letter was sent to Mr*** on August 21, stating the Home Care review was completed and that the replacement cost was being adjustedA copy of the notice has been enclosed. Ms*** indicates she has received a much lower replacement cost from our competitorWe cannot speak to how another company calculates replacement cost or their company guidelines. Ms*** also indicates we are not sending the full refund due to the policy cancelling midtermIf the customer request cancels their policy prior to the end of the renewal/midterm, the policy will be pro-ratedPro-rating is spreading the premium, on a daily basis, over the policy periodWhen a policy is cancelled midterm, pro-rating calculates premium earned by the insurance company and the amount the customer is responsible forEvery dollar in excess of the earned premium is considered unearned and it will be refunded to the insuredMs***’s policy is being cancelled effective April 16, per the Policy Cancellation Request form our Company received on April 18, If there is an in excess of the earned premium, it will be refunded to the Mrand Ms*** within to business days. Thank you for the opportunity to review our business handling of the insured’s personal property policy If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### or by email at *** Sincerely, Bridget MD***
there was no leak around bathroom vent, no sign of any leak around vent, no water damage around roof around vent, so first reason nationwide listed as reason roof leaked is a liearound chimney was the reason of the leak, if inspector would have done a good job of inspecting roof he would have seen this, when SBA inspector checked house for loan he saw this and said flashing got pushed up from wind and roof is a newer roofNationwide made up this story of flashing and vent being in bad shape so as not to repair roof.When second nationwide inspector came out to house the first thing he said was nationwide was not paying for roof repair before he even checked roofnationwide should have repaired roof
Regards, *** ***
This letter is in response to the inquiry received from your office on December 30, 2015.Our Policyholders, *** and *** ***, reported a claim with a Date of Loss of September 30,on October 1, for tenant vandalism*** *** Candice M*** contacted Mr.***
on October 1, and arranged to have an Independent Adjuster inspect her home onOctober 6, A payment for the undisputed portion of the loss was issued on October 19, of$9,A payment for Loss of Rent was issued on November 4, of $2,and also onDecember 5, for $totaling $2,341.96.On November 2, Mr*** inquired about settlement for his AC unitOn November 6, 2015we advised him that we would need an inspection and report from an HVAC Technician to determine ofthe unit was in fact vandalized and if it could be repaired or replacedWe received an estimate from Mr.***'s HVAC Technician on November 11, The estimate lacked detail regarding how thedamages were caused and did not specify if the unit could be repairedWe advised Mr*** thatwe would need additional information on November 17, 2015.On December 3, Mr*** sent us an ernail advising us that he had another report thatanswered our questions however we misunderstood the correspondence and were not aware that therewas another report in placeWe continued to communicate with our Policyholder in December andattempted to contact their HVAC Technician a few times to discuss their findings but did not hear backfrom them until January 4, On that date we were able to confirm that the damages to the HVACwas in fact intentional and it did in fact need to be replacedIn light of that information we sent thepayment for the damaged HVAC system on January 5, for $5,600.If you require further assistance in this matter, please contact our *** *** ***, GerrieH***, toll-free at ###-###-####, Ext*** or by email at ***Sincerely,Pamela L*** ***
I was never informed this was a partial paymentThis was what I was told my payments would be every monthThen I got a bill saying my payments were almost twice what I was quotedI dropped the insurance then thy charged me for a extra month
Regards, *** ***
Thank you for your letter regarding our member’s concernsI have reviewed the file to determine what transpired during our member’s accident and tow event
An independent, third party tow company was dispatched to move our member’s vehicle from the storage facility to a repair location. An independent third party is not a company owned by Nationwide. It is an optional service that is offered for member use. When a third party is used and alleged damage occurs, a separate claim with applicable deductible would need to be opened
The option of opening a claim with Nationwide would require the member to pay their deductible and Nationwide would then pay any charges in excess of the deductible. Should Nationwide’s claim investigation determine that there is subrogation opportunity, meaning there is sufficient evidence to determine damage was more than likely caused by the third party, Nationwide would pursue subrogation in an attempt to acquire the member’s deductible along with any expenses Nationwide incurred to repair the vehicle.
The alleged damage the member is stating occurred during the tow would be a separate claim and have a separate deductible since the damage is unrelated to the initial accident for which the vehicle was being towed by the independent third party provider
If you require further assistance in this matter, please contact our *** *** ***, Charity W*** ###########, or by email at ***
Sincerely,
Jennifer W***
*** *** ***
We are in receipt of your correspondence dated May 16, 2017, regarding the above noted file We have reviewed Ms***’ account and policy, and I will be happy to respond to her concerns. It appears someone informed Ms*** that there was changes to handling of roadside or
a change in our policy in the handling of roadside claims There were no actual policy changes that affected roadside coverage Ms*** had Roadside Assistance Coverage on her policy, up to Miles/$Lockout, endorsement *** *** Ms*** did cancel her policy on March 22, 2017. Regarding the call made by the insured to *** for Roadside Assistance, we need to know which policy number the member called in under for service This will help determine why the member may have been advised they had no coverageMs*** should submit a receipt for towing that was paid out of pocket to [email protected] for reimbursement As long as the towing was performed on a date that the policy was in force, it will be considered for reimbursement. Regarding Ms***’ billing, the policy renewed November 8, 2016, with a twelve month premium of $1,764.12, plus the State Fraud Surcharge of $A change was made November 16, 2016, effective for November 8, renewal to decrease the annual miles for the Jeep and the LincolnThis gave a credit of $155.64; making the new twelve month premium $1,plus the State Fraud Surcharge of $3.52. There were days of coverage provided from November 8, until March 22, 2017; when the policy was request cancelled by Ms***The premium owed for the days of coverage is $591.80; the total payments received were $The collection amount is for all coverages provided up to the March 22, 2017, the cancellation date. On March 30, a final bill for $was sent to Ms*** for premium owedOn April 20, a collection letter for $was sent to the Ms*** advising the amount was owed by May 20, or the amount owed will be sent to the collection agency. We apologize for any confusion this matter may have caused If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K***, direct at ###-###-#### or by email at *** Sincerely, Suzana K***
Dear Mr***
This letter is in response to your inquiry sent via the Revdex.com
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,
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. Will this settlement be sent to *** or me? when can they expect it? If this will be sent to *** I would like to be able to update them and let them know it is coming
I received a Authorization of release of information from your officeI filled out said complaint and signed said document and mailed it to your offices which I believe it must have got misplaced or not delivered because of the holiday seasonWhen I applied for said insuranceI was and my wife were very firm that she was not to be put on said insurance policyI am the sole owner of said vehicles and she doesn’t have a valid license to drive and I doI returned the forms that were mailed to me on several occasions from the insurance company and mailed the back signed and datedI also called the said company on several occasions and was told the insurance would be cancelled because of my wife not being a valid neverThe insurance was supposed to be solely on me and no-one else and this was stated on several occasionsI feel I was mislead in the matter and it is very unethical to treat anyone this wayThis letter also gives you permission to authorization to contact anyone you wish about this matter and also for them to release information to you
An email was sent to Mr*** this morningThe appropriate department has been notified to remove his information from the "Do Not Call List"Thank you *** *** *** *** *** **
*** *** ** ***Dear *** ***:Thank you for contacting Nationwide to request that we
add your phone number to our Do Not Call List.We have processed your request effective 11/04/2016, the date we received your notification.Our phone lists are prepared in advance, please allow approximately days for your information to be completely removed from our listsIf you need additional help or have any questions, please contact me directly and reference Nationwide OCR Ref # *** Sincerely,*** ***Nationwide InsuranceCustomer Advocacy Coordinator
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, *** ***
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***
Good afternoon,
Yesterday afternoon at 2:42pm I contacted lexis nexisI spoke to a representative who stated that the accident was reporting inaccurately on my record and was left as "blank" by NationwideInsurance companies view this as "AT FAULT' when reviewing my driving recordThe representative did not have access to tell me when my file was updated to show "NOT AT FAULT" but did disclose that it was updated recentlyDue to Nationwide's error in reporting my information inaccurately I have not been able to get an accurate insurance quote from other companiesI also have yet to receive any information on their end stating that they made an errorIn addition I have been most likely being charged more for my insurance premium every month since last June There was no disclosure that my insurance rate would go up upon my renewal due to my vehicle age, yet that is what they stated in my complaintThe rate increased upon my renewal shortly after my accidentThis increase is clearly due to the way Nationwide reported my accident
We are in receipt of your correspondence dated March 14, regarding *** *** and his rejection to our response provided on March 10, I will be happy to respond to Mr***’s additional correspondence.Nationwide is not able to accommodate Mr***’s expected resolution to apply a 40% verified SmartRide Discount to the Chevrolet Silverado as the vehicle has not completed the data collection period for the SmartRide programNationwide is required to remain compliant with the regulatory filings that that Company files with the Colorado Department of InsuranceThese filings do not allow the Company to provide compensation to Mr*** or add a discount to a vehicle for which the vehicle does not qualifyAdditionally, as stated in our March 10, response, Mr*** was correctly advised of the SmartRide program.If the vehicle remains enrolled in the SmartRide program, a verified SmartRide Discount will be applied on the September 30, renewal term as determined by the data collected during the data collection period.If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K***, at ###-###-#### or by email at ***Sincerely,Jake M***
[To assist us in bringing this matter to a close, you must give us a re*** why you are rejecting the responseIf no re*** is received your complaint will be closed Administratively Resolved]
Complaint:
I am rejecting this response because:In response to the statements made above some things were incorrect such as the statement “she felt that his response to my request was unacceptable” my request was never mentioned I was inquiring about specific documents that would be neededNext I didn’t not make a demand of 3-4k I explained to Ed when he called I was not expecting that amountI was simply doing as another Nationwide employee had suggested to get a starting point of negotiationAlso during the call I had informed Ed that *** had indeed fixed my window and corrected the issue, As he stated he has brought in a third party inspector to estimate the damagesI would like to be clear in no way did Nationwide try to resolve the issue through negotiationI received a call from *** yesterday she sat a time and she called back again this morning to change the timeAgain Nationwide received the certified letter for diminished value on November 8thand it was received and I was contacted November 10thno communication until the call I received on December 1stafter reported to the Revdex.com my inspection will not be performeduntil December 12th(if it isn’t changed) and I will wait until the report is complete to finally get to the negotiation stages with the holidays I feel a fair offer could have had this over and done with instead they have chosen to pay a third party as I told him this is not about money more about principle
Regards,
*** ***
We are in receipt of Ms***’s rebuttal of our response to the above referenced caseMs*** states that her premium for both of her pet’s *** and *** was the sameShe believes this indicates that *** had the same policy coverage as *** which includes a Wellness Rider.Below is a summary of coverage and premiums paid for each pet Policy C-*** for ***: The annual premium for ***’s Major Medical plan with a $annual deductible was $A $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $As stated in our previous response the premium of $was for the Major Medical Plan only and it did not include a Wellness Rider Policy C-for ***: Ms*** applied for the Major-Medical Plan with a $annual deductible on October 16, for her dog, ***The policy was approved with a policy effective date of October 29,As with her dog, ***, Ms*** applied through the Nationwide Pet website and did not select a Wellness Rider at that timeHowever, Ms*** called our sales department on October 18, and asked to add a Wellness Rider to ***’s policyThe sales agent was able to add the rider, because the request was made before and within the first days of ***’s policy effective date The original premium for ***’s policy was $398.62, however, with the addition of the Wellness Rider the premium became $An $installment fee was added because Ms*** selected a monthly payment plan, therefore the total premium became $An initial payment of $was paid for the first and last month of the policyThe remaining balance of $was paid in ten monthly installments of $ As explained in our previous response, once ***’s policy came into effect on January 29, 2017, Ms*** had days to review her policy and add a Pet Wellness RiderAt this time, we are unable to add the Wellness Rider to ***’s current policy, however, it can be added during the 60-day renewal period at Ms***’s request Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, Cathy D***, at ###-###-#### or via email at *** Sincerely, Christopher M*** Claims Director
I am now in possession of the claim report related to the water damage. Still quite frustrating that it took so long to get written results rather than just voice messages.I have finally been contacted regard the shower door explosion, which
was part of my claim on 9/30. I still find it unacceptable that I was
given the run around about needing to open a new claim when this was part of the reason I reported the claim on 9/30. I've been told that someone will folland that a check to cover the expense of the replacement shower door will follow. Since I have not seen any follreport or the reimbursement check this issue is not resolved.It is now Nov 11th, six weeks since I reported and filed the claim and the primary reason for this Revdex.com complaint. Assuming I do receive a formal report and reimbursement check for the replacement of my shower door, then that will address this complaint. Had Nationwide taken ownership of my claim and acted in a timely fashion, we would not be involved in this complaint.So until this customer of years see's some proof, you have not honored your responsibility as my insurance company
Still very frustrated,
Glenn Rogers
This letter is in response to your recent inquiry on behalf of the above named complainant, *** ***, which was received by our company February 22, 2016.Ms. ***’s concern was to have her phone number added to our Do Not Call List. We have processed her request effective
February 22, A copy of a letter we have emailed to Ms*** is attached for your review Our phone lists are prepared in advance; we advised her to please allow approximately days for her information to be completely removed from our lists.The federal DNC list is managed by the Federal Trade Commission (FTC). Consumers may register their telephone numbers on the federal DNC list via a toll-free number, ###-###-####, or online at: http://www.donotcall.gov. Thank you for this opportunity to review Ms***’s concerns. If we may offer any further assistance in this matter, please do not hesitate to contact me at ***@nationwide.com or via phone at ###-###-####.Sincerely,
For starters a $1,increase in policy from last to this year is absurdNothing has changed the fire department not moved, the fire hydrants have not moved and the house is still where it was built. What has changed are the classificationsCorrect me if I'm wrong the only way you can increase premiums on policy holders such as myself that have basically a clean record, with no claims in years, is to request classification changesThese classification changes then allow you to increase premiums At this time, I am requesting all filing for classification changes, documentation that effected my policy and whom was this filed with Also I am requesting the response and or final documentation on the approval Which includes but not limited to rate filing as well as classification changes. Also, When my local agent for Nationwide retired I received a card from an agency in *** *** SC stating they were handling my policyWhen I first was made aware of the premium increase I call the Nationwide number listed on the policy and was referred to the agent in *** *** **I called the agency and asked to speak to *** *** (the Agent) back on 5-24- he has yet to call me or made any to contact me in regards to this issueI did talk to a female named *** whom referred me to Nationwide for answers Therefore the agent in my opinion is absolutely useless and has no help or made any attempt to help understand this increaseI 'm requesting that any commission paid to this agent be return and credited to my policy Premium because he has done nothing for me and yet my money goes to him I feel the $1,increase is not warranted and outrageous and should be refunded for nothing I have done has caused this (absolutely no claims) It is the greed of the insurance company to change the classifications in order to increase premiums
Regards,
*** *** ***
Thank you for the opportunity to respond to Ms*** concerns regarding the cancellation of the above referenced homeowner’s policy Review of the policy indicates Ms*** wrote her policy with Nationwide effective December 16, 2016. Nationwide received a home
inspection from our outside vendor in January. Review of the inspection indicated that hazards were found. The goat barn, and spring house were not structurally sound and would need to be remedied. Nationwide issued a rejection letter on February 2, 2017, with a cancellation date of February 17, 2017. The policy was cancelled within the 90-day review period. Virginia law requires a 10-day notice, and Nationwide also provides an additional days for mailing timeAttached is a copy of the cancellation notice. Upon receipt of the complaint by Ms***, Nationwide reached out to her to advise upon further review, Underwriting will agree to allow Ms*** to provide the remedies (goat house torn down, and interior photos of spring house, to determine structurally sound) by March 15, 2017. If the remedies are not provided by that date, a new cancellation letter will be issued Ms*** was agreeable to this additional time to remedy the hazardsI provided my email address, ***@nationwide.com to forward the remedies when they are completed If you have any further questions or concerns, please contact our Customer Relations Coordinator, Kris C*** at ###-###-#### or email [email protected]
This is in response to the inquiry received on April 21, for the above policyholder and her property policy. Ms*** has expressed concerns on our Company’s calculated replacement cost and that it was increased after the personal property policy was purchasedOur Company’s
application for a personal property policy states that Nationwide Mutual Insurance Company or its affiliate or subsidiary company providing coverage can make adjustments to Coverage A or commonly known as the replacement/reconstruction coverage. It goes on to state changes will be made based on a Home Care review that will be completed on the homeMr*** signed the application agreeing to this process. A copy of the application has been enclosed The Home Care review took place on July 23, with an interior and exterior survey being completedThis review revealed several discrepancy’s compared to what Mr*** provided during the application process on the interior and exterior of the home that contributed to the increase in replacement costThey are: At the time of the application 100% vinyl siding was indicated, during our review the inspector indicated the home was 80% wood shakes and 20% wood sidingSquare footage for the porch, square footage for the greenhouse and square footage for an additional porch were not included on the application.On the application it was stated the home was 100% drywall, during the review it was found to be a 100% plaster.Hardwood floors were entered as 40% during the application, however the inspector found it to be 75% hardwood floors There are several other items that were updated but the above are some of the main differences that increased the replacement cost from $201,to $278,A letter was sent to Mr*** on August 21, stating the Home Care review was completed and that the replacement cost was being adjustedA copy of the notice has been enclosed. Ms*** indicates she has received a much lower replacement cost from our competitorWe cannot speak to how another company calculates replacement cost or their company guidelines. Ms*** also indicates we are not sending the full refund due to the policy cancelling midtermIf the customer request cancels their policy prior to the end of the renewal/midterm, the policy will be pro-ratedPro-rating is spreading the premium, on a daily basis, over the policy periodWhen a policy is cancelled midterm, pro-rating calculates premium earned by the insurance company and the amount the customer is responsible forEvery dollar in excess of the earned premium is considered unearned and it will be refunded to the insuredMs***’s policy is being cancelled effective April 16, per the Policy Cancellation Request form our Company received on April 18, If there is an in excess of the earned premium, it will be refunded to the Mrand Ms*** within to business days. Thank you for the opportunity to review our business handling of the insured’s personal property policy If you require further assistance, please contact our *** *** ***, Cathy D***, at ###-###-#### or by email at *** Sincerely, Bridget MD***
there was no leak around bathroom vent, no sign of any leak around vent, no water damage around roof around vent, so first reason nationwide listed as reason roof leaked is a liearound chimney was the reason of the leak, if inspector would have done a good job of inspecting roof he would have seen this, when SBA inspector checked house for loan he saw this and said flashing got pushed up from wind and roof is a newer roofNationwide made up this story of flashing and vent being in bad shape so as not to repair roof.When second nationwide inspector came out to house the first thing he said was nationwide was not paying for roof repair before he even checked roofnationwide should have repaired roof
Regards, *** ***
This letter is in response to the inquiry received from your office on December 30, 2015.Our Policyholders, *** and *** ***, reported a claim with a Date of Loss of September 30,on October 1, for tenant vandalism*** *** Candice M*** contacted Mr.***
on October 1, and arranged to have an Independent Adjuster inspect her home onOctober 6, A payment for the undisputed portion of the loss was issued on October 19, of$9,A payment for Loss of Rent was issued on November 4, of $2,and also onDecember 5, for $totaling $2,341.96.On November 2, Mr*** inquired about settlement for his AC unitOn November 6, 2015we advised him that we would need an inspection and report from an HVAC Technician to determine ofthe unit was in fact vandalized and if it could be repaired or replacedWe received an estimate from Mr.***'s HVAC Technician on November 11, The estimate lacked detail regarding how thedamages were caused and did not specify if the unit could be repairedWe advised Mr*** thatwe would need additional information on November 17, 2015.On December 3, Mr*** sent us an ernail advising us that he had another report thatanswered our questions however we misunderstood the correspondence and were not aware that therewas another report in placeWe continued to communicate with our Policyholder in December andattempted to contact their HVAC Technician a few times to discuss their findings but did not hear backfrom them until January 4, On that date we were able to confirm that the damages to the HVACwas in fact intentional and it did in fact need to be replacedIn light of that information we sent thepayment for the damaged HVAC system on January 5, for $5,600.If you require further assistance in this matter, please contact our *** *** ***, GerrieH***, toll-free at ###-###-####, Ext*** or by email at ***Sincerely,Pamela L*** ***
I was never informed this was a partial paymentThis was what I was told my payments would be every monthThen I got a bill saying my payments were almost twice what I was quotedI dropped the insurance then thy charged me for a extra month
Regards, *** ***
Thank you for your letter regarding our member’s concernsI have reviewed the file to determine what transpired during our member’s accident and tow event
An independent, third party tow company was dispatched to move our member’s vehicle from the storage facility to a repair location. An independent third party is not a company owned by Nationwide. It is an optional service that is offered for member use. When a third party is used and alleged damage occurs, a separate claim with applicable deductible would need to be opened
The option of opening a claim with Nationwide would require the member to pay their deductible and Nationwide would then pay any charges in excess of the deductible. Should Nationwide’s claim investigation determine that there is subrogation opportunity, meaning there is sufficient evidence to determine damage was more than likely caused by the third party, Nationwide would pursue subrogation in an attempt to acquire the member’s deductible along with any expenses Nationwide incurred to repair the vehicle.
The alleged damage the member is stating occurred during the tow would be a separate claim and have a separate deductible since the damage is unrelated to the initial accident for which the vehicle was being towed by the independent third party provider
If you require further assistance in this matter, please contact our *** *** ***, Charity W*** ###########, or by email at ***
Sincerely,
Jennifer W***
*** *** ***
We are in receipt of your correspondence dated May 16, 2017, regarding the above noted file We have reviewed Ms***’ account and policy, and I will be happy to respond to her concerns. It appears someone informed Ms*** that there was changes to handling of roadside or
a change in our policy in the handling of roadside claims There were no actual policy changes that affected roadside coverage Ms*** had Roadside Assistance Coverage on her policy, up to Miles/$Lockout, endorsement *** *** Ms*** did cancel her policy on March 22, 2017. Regarding the call made by the insured to *** for Roadside Assistance, we need to know which policy number the member called in under for service This will help determine why the member may have been advised they had no coverageMs*** should submit a receipt for towing that was paid out of pocket to [email protected] for reimbursement As long as the towing was performed on a date that the policy was in force, it will be considered for reimbursement. Regarding Ms***’ billing, the policy renewed November 8, 2016, with a twelve month premium of $1,764.12, plus the State Fraud Surcharge of $A change was made November 16, 2016, effective for November 8, renewal to decrease the annual miles for the Jeep and the LincolnThis gave a credit of $155.64; making the new twelve month premium $1,plus the State Fraud Surcharge of $3.52. There were days of coverage provided from November 8, until March 22, 2017; when the policy was request cancelled by Ms***The premium owed for the days of coverage is $591.80; the total payments received were $The collection amount is for all coverages provided up to the March 22, 2017, the cancellation date. On March 30, a final bill for $was sent to Ms*** for premium owedOn April 20, a collection letter for $was sent to the Ms*** advising the amount was owed by May 20, or the amount owed will be sent to the collection agency. We apologize for any confusion this matter may have caused If you require further assistance, please contact our Customer Advocacy Coordinator, Janice K***, direct at ###-###-#### or by email at *** Sincerely, Suzana K***
Dear Mr***
This letter is in response to your inquiry sent via the Revdex.com
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,
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me. Will this settlement be sent to *** or me? when can they expect it? If this will be sent to *** I would like to be able to update them and let them know it is coming
I received a Authorization of release of information from your officeI filled out said complaint and signed said document and mailed it to your offices which I believe it must have got misplaced or not delivered because of the holiday seasonWhen I applied for said insuranceI was and my wife were very firm that she was not to be put on said insurance policyI am the sole owner of said vehicles and she doesn’t have a valid license to drive and I doI returned the forms that were mailed to me on several occasions from the insurance company and mailed the back signed and datedI also called the said company on several occasions and was told the insurance would be cancelled because of my wife not being a valid neverThe insurance was supposed to be solely on me and no-one else and this was stated on several occasionsI feel I was mislead in the matter and it is very unethical to treat anyone this wayThis letter also gives you permission to authorization to contact anyone you wish about this matter and also for them to release information to you
An email was sent to Mr*** this morningThe appropriate department has been notified to remove his information from the "Do Not Call List"Thank you *** *** *** *** *** **
*** *** ** ***Dear *** ***:Thank you for contacting Nationwide to request that we
add your phone number to our Do Not Call List.We have processed your request effective 11/04/2016, the date we received your notification.Our phone lists are prepared in advance, please allow approximately days for your information to be completely removed from our listsIf you need additional help or have any questions, please contact me directly and reference Nationwide OCR Ref # *** Sincerely,*** ***Nationwide InsuranceCustomer Advocacy Coordinator