This has absolutely nothing to do with my property and I have no idea who they are speaking ofThere is no "***" involvedMy last name is ***They should recheck the claim number which is for property in North Wildwood, NJ (*** * *** Ave unit ***)*** ***
This will acknowledge receipt of, and thank you for your letter of December 2, *** ***’s complaint to you was in regards to her homeowner claim that was partially deniedIn reviewing Ms***’s claim, her claim involved reported damages to her property resulting from flood, wind, and
interior water damages from a storm which occurred on October 3, 2015.In regards to this homeowners claim, a loss notice was received by Nationwide on October 9, An initial contact was made with Ms*** on October 9, 2015, and again on October 13, 2015, by the assigned claims associateThe investigation and inspection of the claim commenced on October 15, At that time we reviewed with the insured that there was no coverage for any of the flood damages and mailed her a partial denial letter on October 16, Our inspection also determined ensuing water damages to a bathroom due to wind driven rains around a deteriorated roof ventAn estimate and payment for the covered damages (ensuing water damages) were provided to Ms***.On November 19, 2015, we received a request to re-inspect the property for an additional roof leakThe re-inspection took place on November 20, 2015, with Ms***’s son, *** presentThe inspection determined water had entered the attic around the deteriorated chimney flashing which caused water and mold damages to a small area on the underside of the roof sheathingAn estimate and payment for the additional damages were provided as well as a partial denial for the chimney flashing.Both inspections revealed there was no wind damage to the roof shingles from the storm of October 3, 2015, but there was damage due to deteriorated conditions of a roof vent and chimney flashing, which is not covered under the Nationwide homeowner policy.We hope this provides you the information that you requireIf we can be of any further assistance, please do not hesitate to contact us at any time.If you have any questions or concerns, please contact me at ###-###-#### or ***Sincerely,Debbie D***
January 11, 2016*** *** ***
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Dear *** ***:On October 20, a claim was reported to Nationwide Mutual Insurance Company (Nationwide)concerning an automobile accident occurring on this date.Named Insured, *** ***, was operating a *** ***, a listed vehicle under NationwidePolicy Number ** ** * ***The claimant, *** ***, owns a *** ***On October20, 2015, *** *** was traveling westbound on *** Road attempting a left turn onto *** when he pulled into the path of *** ***, who was traveling eastbound on *** RoadThisaction caused the right front corner of *** ***’ vehicle to strike the right rear side of *** *** vehicle.Nationwide paid *** ***’ damage estimate of $5,($3,of this were for parts) plus $444.17in rental costs.On/around October 22, 2015, prior to repairs being completed, Nationwide received notice that ***
*** was also making a Diminished Value ClaimThe Diminished Value Claim was assigned toadjuster *** *** *** arranged for a post-repair vehicle re-inspection, which wascompleted on/around December 3, *** *** provided a copy of the vehicle title/registration aswell as diminished value appraisal report obtained through *** (***).The appraisal report through *** indicates that no actual inspection was performed; rather, theyreviewed the materials provided by *** *** opined that the pre-loss fair market value for thesubject vehicle was $47,*** further stated they "do not assess the quality and thoroughness ofthe repairs....only diminishment relating to stigma has been assigned a dollar value in this report"Thereport also lists several factors which potential buyers may consider important if they know the vehiclehas been involved in an accidentThese again relate to the 'stigma' referenced and speak in generalitiesand hypothetical situations only; there is nothing specific to this particular claim and/or vehicleIt'simportant to note that 'stigma' and generalities are speculative and do not prove a diminution in valueclaim without evidence of a reduction in the vehicle's actual cash value before the accident and afterrepairsThe *** report also references vehicles with a similar year/make/model; however, all havediffering mileage than that of the subject vehicle*** goes on to claim that the post-accident fairmarket value is $38,and further alleges that due the accident, the vehicle's value has diminished by20% or $9,There has been no documentation provided that would support these figures and/oropinion.Furthermore, *** *** has alleged that this accident has caused his vehicle to sustain accelerateddepreciation, and has further alleged that a reasonable person will not pay the same price for awrecked/repaired vehicle as they would for one with no prior damage history*** *** has not providedany documentation to support his statements and/or opinionsIt should also be noted that during thepost-repair inspection, it was discovered that the *** ***' vehicle sustained additional {unrelated}damage due to a subsequent accident/incident.The measure of damages for diminution in value in Ohio is the difference in actual cash value (not tradein or resale value) before an accident and after repairsThe information *** *** has provided is notbased on a difference in actual cash valueFurthermore, in Ohio, a claimant recovering both the cost ofrepairs and the residual diminution in value is not entitled to recover damages in excess of the vehicle'sgross diminution in valueIn addition, *** *** has suggested that the accident will negatively impactthe vehicle's traand/or resale value; however, as noted above, diminished value is not based ontraor resale value.Taking into consideration the aforementioned information, the damages sustained, repairs made, as wellas the vehicle's age, mileage and overall condition, we have extended a good faith offer of $1,toresolve *** ***’ diminished value claim; *** *** has rejected this offer at this time.Nationwide would be pleased to consider any new information *** *** would like to provide to supporthis claimIf you have any additional questions please contact Angela S***, Customer RelationsCoordinator, Office of the Customer Advocacy at ###-###-#### or ***Respectfully,Wendy K*** ***Claims ManagerNationwide PCIO | MidWest Operations | Material Damage*** *** *** ***
*** ** ***C ###-###-#### | F ###-###-####***Office of Customer Advocacy | *** *** *** *** * *** ** ***
We are in receipt of your correspondence dated May 17, regarding *** ***’s additional request to contact Credit Collections Services (CCS) and waiving the remaining collection amount. I will be happy to respond to Ms***’s additional request CCS has closed the collection account for $and has advised the amount has not been reported to the Credit Bureau. CCS will also be mailing a letter to Ms*** confirming the account has been closed and not reported to the Credit Bureau. Concerning the remaining $balance owed, this amount is not able to be waived by *** *** *** *** Insurance Company. In order to remain compliant with the North Carolina Department of Insurance premium is not able be waived for coverage provided There was not a call located advising the collection balance would be waived. Since Customer Service Representative (CSR), Dianne, did not provide information to Ms*** that the unearned premium would be calculated on a short-rate basis and there would be premium owed for coverage provided from January 1, to January 18, 2017, the unearned premium was able to be recalculated on a pro-rata basis which reduced the collection amount from $to $ If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at ***@nationwide.com Sincerely, Jake M*** Senior Analyst
This is in response to the additional inquiry received for the above policyholder and her property policy. Ms*** alleges our Company did a inspection on her homeOur vendor ***, performed the inspection on July 23, with her spouse, Ryan ***’s permissionMr*** was interviewed by the inspector and allowed the inspector to enter the home to perform an interior review as well as the exterior revewA copy of the inspection report has been enclosed Ms*** has shared that her siding is not wood shakes, but vinyl that look like woodIn review of the pictures within the inspection, the siding does appear to be wood shakesIf they are vinyl, our replacement cost would only decrease by $to $277, Our Company was insuring Mrand Ms***’s home at 100% replacement cost and through the inspection it was found to be $278,We cannot answer how other companies rate for replacement cost. Ms*** is also concerned on her billing account and the payment our Company received on April 20, to reinstate her policyThe following is a breakdown of her billing account: On June 23, a transaction processed binding policy 5106HOeffective June 25, with a term premium of $859.09. On July 16, a check payment was received via the mail in the amount of $859.09. On August 31, a change was processed to the policy increasing the coverage limits effective the June 25, inception dateThis change was made based on an inspection completed and resulted in an increase in premium of $274.78. On March 1, a bill was issued advising that a payment of $was due by March 25, 2016. On March 31, a Notice of Cancellation was issued advising that a payment of $must reach Nationwide by April 14, or the policy would be cancelled effective April 15, 2016. On April 18, a transaction was processed to cancel the policy effective April 15, $in unearned premium was removed from the account leaving a collection balance of $due for coverage provided until April 15, 2016. On April 20, a check payment was received via the mail in the amount of $Per our records this payment was made on behalf of the insured by her mortgage company Wells Fargo BankA copy of the redacted check has been included. On April 21, a transaction was automatically processed to reinstate the policy effective April 20, As the automobile policy had been cancelled, the policy was reinstated without the Home and Car discount leaving an amount due of $59.75. As Ms*** has advised that she has obtained coverage elsewhere and does not desire to be insured with Nationwide we are able to process a cancelation of the policy per her requestThe policy has been request cancelled effective April 20, and a $refund has been issued on the policy. 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***r, at ###-###-#### or by email at *** Sincerely, Bridget MD***
Dear: Ms*** "Thank you for the opportunity to respond to this complaint We received notice of a Medical Payments claim by Ms*** on September 9, After a review of the claim, the Nationwide Claims Associate issued payment to Ms*** on October 6,
for the coverage limit of $2,On or about October 13, the Nationwide Claims Associate put a "stop payment" on the check based on a mistaken belief that there was an outstanding *** lien against any Medical Payments coverage available to Ms*** for the lossThe Nationwide Claims Associate also contacted Ms*** and asked if she had cashed the $2,check yetMs*** said she had notThe Nationwide Claims Associate was not aware, at that time, that Ms*** had actually cashed the check a few days priorThe "stop payment" of the $2,check caused Ms***' account to be overdrawn Nationwide found out about the overdrawn account on Oct 17, Thereafter, Nationwide Claims Manager Bill P*** reviewed the file and determined that there was no outstanding *** lien on the Medical Payments coverage available to Ms*** for the lossBased on this determination, Nationwide tried to deposit the $payment directly into Ms***' account on October 17, 2016, but Ms*** instead requested that Nationwide overnight a check to herNationwide overnighted a $2,check to Ms*** on October 18, The check was delivered to Ms *** at approximately 11:am on October 19, 2016. Ms*** claims to have incurred a $overdraft chargeNationwide is willing to reimburse Ms*** the $charge upon proof of loss being submitted by Ms***Nationwide has requested the proof of loss on October 18th , 20th and 27thAs of the writing of this letter Nationwide has not received any proof that this $charge exsistsNationwide maintains the position that it will be happy to reimburse Ms*** once she submits proof of the $loss. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S*** , at ###-###-#### or by email at *** Sincerely, William J P*** *** *** ***
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To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie ***Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on
March 17, Associate Agent *** *** received an email from Ms*** informing him she was moving back to the *** *** on May 22, She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr*** responded via email to Ms***’ request to update her banking informationHe informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms*** responded to Mr***’s email on March giving him the banking information needed and again on March These emails also contained questions pertaining to the $non-sufficient fund fee she was being incorrectly chargedUnfortunately, these emails were not opened by Mr*** until April It was on this date Mr*** informed Ms*** (via email) that he had not changed the routing and account numbers as he advised he wouldMr*** also informed Ms*** the policy was scheduled to cancel on April 29, Realizing his error, Mr*** also informed Ms*** he would have the non-sufficient fund fee waivedSubsequently, there was no follow up with the insured nor was the $non-sufficient fee waived.We have, however, taken the necessary steps to remove the $non-sufficient funds fee and the resulting $collection amount charged to Ms***A refund check in the amount of $(unearned premium) is in the process of being mailed to Ms*** and *** *** to the *** *** *** *** ** *** *** *** *** address we have on fileThe policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms*** and Mr*** for the level of service they receivedWe thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** *** Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at ***Sincerely,*** *** *** *** *** *** ***Nationwide###-###-#### ***
September 24,
Revdex.com File #: ***
Complainant:
*** ***
Insured:*** ***
Policy #: ***
Company Name: Nationwide General Insurance Company
*** ** ***
*** *** * ***
Inception date: May 7,
Dear *** ***
We regret that our rates were not competitive enough to keep *** *** auto policy insured with us*** *** policy increases were a direct result of a rate increase in her area at each renewal
The May 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increaseThe November 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increase. The May 7, renewal generated with the term premium of $835.59. This was an overall increase of $from the previous renewalThis increase was due to a general rate increase
*** *** agent, Albert G***, is sorry that the member is unhappy with her rates. He believes he took good care of her as a customer over the yearsUnfortunately, *** *** expressed to the agent that she does not wish to speak with him and advised him not to call her
On August 6, 2015, *** *** request cancelled her auto policy effective August 3, 2015. A refund was sent to her in the amount of $20.18. Our records indicate that she cashed the refund check on August 26,
We would like to personally express our regrets in losing *** *** as a member and ask that should her situation change in the future, she will consider Nationwide to be “On Your Side” again
If you require further assistance, please contact our Customer Relations Coordinator, Cathy D***, at ###-###-#### or by email at ***
Sincerely,
Tiffany C***
SrAnalyst
Member Solutions - Shared Services
Customer Resolution & Response
Nationwide
###-###-####
Enclosures: Policy Declarations
January 17, 2017*** ***
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Dear *** ***
This letter is in response to the complaint received by the Company from your office regarding *** *** *** *** for *** ***In reviewing our files, *** *** contacted the Company’s Personal Lines Services (Service) department on October 27, to advise that there was glass damage to both of his existing insured vehicles, which included a Kia Optima and a Dodge RamThe Service representative notified *** *** that he had Comprehensive coverage with a $deductible on both vehicles, but he did not have Full Glass coverage on either vehicle*** *** requested to add Full Glass coverage to both vehicles effective October 27, 2015, and it was clarified that this would be available for any future losses on or after that dateThe coverage was added as requested*** *** did not mention or request to add coverage for Original Equipment Manufacturer (OEM) parts, which is a separate policy coverage available for a vehicle with Comprehensive and/or Collision coverageCompany guidelines do not require OEM coverage to be offered for existing vehicles that already have Comprehensive and Collision coverage.On April 18, 2016, *** *** contacted Service and requested to have calls reviewed to verify if OEM coverage was offered for his vehiclesThe call from October 27, had been reviewed and it was determined that there was no company errorThe call from June 17, was then reviewed, when the Dodge Ram was added to the policy effective June 14, 2014, to see if OEM was offered when the vehicle was added to the policy, as required per Company guidelines when adding a new vehicle to a policy with Comprehensive and/or Collision coverageAfter reviewing the call, it was determined that OEM was not offered for the Dodge Ram during that call, and per guidelines, coverage could be backdated to the date the vehicle was added, effective June 14, Two outbound calls were made, on April 22, and April 26, 2016, and voicemails were left with *** *** to advise of the determination and approval to add OEM coverage for the Dodge Ram effective June 14, *** *** called Service on May 6, and was advised of this information, but declined to add OEM effective to June 14, at that timeDue to this, OEM coverage was not added to the policy for either vehicle.On September 5, 2016, *** *** contacted Service to verify if he had OEM coverage on the Dodge Ram and the Kia OptimaThe Service representative advised that OEM coverage was on the Dodge Ram but not the Kia OptimaThe Service representative clarified that if added, it would apply to any future losses to the vehicleIt was advised that the OEM coverage was added effective September 5, for the Kia Optima.In reviewing our files, the OEM coverage was not added as advised and neither the Dodge Ram or Kia Optima currently has or has ever included OEM coverageDue to this, the Company has approval to add OEM coverage for the Dodge Ram and Kia Optima effective September 5, 2016, to apply to any losses that occurred on or after that date, if *** *** agrees to do soNo change will be made to the policy unless authorized by *** *** and he agrees to the change and additional premium owedIf this change is made per *** ***’s request, notification will be provided to Safelite Auto Glass to reflect that the Dodge Ram and Kia Optima have full glass coverage effective October 27, and OEM coverage effective September 5, If the OEM coverage is added, applicable premium charges will apply from September 5, forward, and the premium increase would be billed to *** *** starting with the next billing cycle*** *** can use the contact information below, or contact Personal Lines Services at ###-###-#### to request any changes to the policy or ask any additional questions as needed.No refund can be provided by the Company to *** *** as the coverage on the Auto policy for both the Dodge Ram and Kia Optima has been rated and charged appropriately from the date the vehicles were added to *** ***’s Auto policy using rates filed and approved in the rating state of California*** *** was not charged any premium for Full Glass coverage prior to October 27, and has not been charged any premium for OEM coverage on either vehicle at any point on the Auto policy.If you require further assistance, please contact our Customer Advocacy Coordinator, *** *** at ###-###-#### or by email at ***
Sincerely,*** ***
*** ***
*** *** *** ***###-###-####***
I did not agree to those fees, and did not accept those fees. Please waive the fee in total, and then, only then, close the account.I was also advised on the phone in June that all fees would be refunded. Please issue refund and DO NOT charge me any fees. This is clear, as of this date: 07/07/
Regards, *** ***
This
letter is in response to the inquiry received from your office on November 4,
Nationwide
Mutual Fire Company did receive
notice of a claim from Mr*** *** on
September 30, 2015. The claim was
assigned to a local associate who attempted to reach Mr*** on October 1,
2015. Attempts to contact the member on
both the home and cell numbers were unsuccessful; however, messages were left
at each number
The
associate tried again to reach Mr*** and was successful in reaching him on
October 2, 2015. Subsequent to our
contact, the associate sent a leak detection expert to investigate the cause of
loss. The expert inspected the property
on October 5, and a site inspection was completed by our associate on
October 7, 2015. The associate attempted
to contact Mr*** to review the findings of our investigation as well as the
policy limitations on October 15, 2015.
This contact was again met with voicemail and a detailed message was
left. A letter was also mailed to Mr
*** on October 19, providing additional detail and basis for the denial
of coverage as conveyed telephonically a few days earlier. The claims associate attempted to follow up with
Mr*** again on October 27, 2015.
This contact attempt also was met with voicemail and another message was
left. While we were not able to reach
Mr*** via telephone on October 27, 2015, the member did email the claim
associate, advising that he had not received a letter from usThe claim
associate called the insured on November 3, leaving a voicemail message
that she would email him another copy of the denial letterThe claim associate
emailed the insured another copy of the letter on November 4,
Mr
*** responded to the email with the letter on November 3, notifying us
that he also intended to pursue a separate area of damage. Since this damage was unrelated to the
existing claim, a new claim was captured for this loss on November 5, In
addition to this email communication, the local claim manager spoke to Mr
***, reviewing the findings on the first claim and confirming the capture of
the new loss.
If you
require further assistance in this matter, please contact our *** *** ***, Gerrie H***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Michelle
M***
*** ***
COMPANY STATES LETTERS WERE SENT WHICH I AM STILL IN DISAGREEMENT WITH BC NO NOTICES WERE EVVER RECEIVEDTHIS WHOLE TIME THE BALANCE BEING REPORTED AND REFLECTED WERE INACCURATE AND WAS REPORTED TO TEH CREDIT BUREAUS HAVING A NEGATIVE IMPACT ON MY CREDIT WHICH IS UNFAIR.ON JULY WHEN I CALLED IN TO SPEAK WITH A SUPERVISOR EVEN HE WAS NOT ABLE TO TELL ME WHT THE BALANCE I OWED WASI HAVE NO PROBLEM PAYING WHAT I OWE I DO HOWEVER HAVE A PROBLEM PAYING ESTIMATED AMOUNTSI WANT THIS REMOVED FROM MY CREDIT REPORT SINCE IT WAS REPORTED INACCURATELY AND UNFAIRLYAT THIS POINT I FEEL THE ONLY OPTION I HAVE IS TO TAKE THIS TO THE MEDIA
Regards,
*** ***
*** Thank you for the opportunity to respond to our customer’s inquiry After inspecting Ms*** vehicle, Nationwide advised Ms*** the rear axle did not appear to be related to the loss. Ms*** was advised that unless a shop could relate the damages, we would not be able to consider those damages as a part of this loss. Ms*** took her vehicle to *** Chevrolet, the dealership did an independent inspection of her vehicle and determined the damages to the rear axle appeared to be due to wear and tear as there was no evidence of an impact to this part. Based on our inspection, there is no damage to the wheels from this collisionThe black paint on the aftermarket wheels is chipping off, and this would be related to wear and tear and not an impact. If you have any further questions, please contact me at ###-###-#### Sincerely, Paul G*** ***
Thank you for all that you doNationwide has sent me a check today of $1,which according to them is 75% of their own estimate of $1,At first when I gave them an estimate it was $from the mechanic that my insurance sent me toTheir own is far less than thatHowever, I asked them to please go and fix the car since their own estimate is lesserThe lady refused *** saying "I have to go and fix it and that is how much she is offering me"! I plant to get a second opinion from another mechanic.Kindly help to resolve this with them as they refusing to respond to me.Thank you,Sincerely,*** ***
Thank you for the opportunity to respond to the Revdex.com regarding the complaint filed by *** ***It is our practice to obtain either proof of purchase and/or photos of car seats needing to be replaced, in order to ensure that we're correctly replacing with the same/similar
model/trimConfirming the seat manufacturer and model/trim is an important detail in ensuring that payment for replacement is correct and in line with current pricing on replacement seats.We requested photos of the seat in question from *** ***, but were informed that the customer had already disposed of the car seatIn an effort to ensure correct payment, we requested proof of payment/a receipt in order to verify trim and pricing*** *** advised us that they did not hold onto the receipt for the car seat and that it was not purchased with a bank account, which made it impossible to provide proof of purchaseIn an effort to ensure customer satisfaction, we have made an exception and have approved payment for car seat replacement without the required photos and/or proof of paymentPayment in full for the car seat replacement requested by the customer has been approved and payment should be issued shortly.I trust that I have addressed the issues within *** ***’s complaintIf I can be of further assistance, please contact me at ###-###-####.Sincerely,*** *** ***Western Claims Titan Insurance
Thank you for the opportunity to respond to Mr*** concerns regarding the added driver *** *** to his policy effective October 29, 2016.Review of the policy indicates that an undisclosed driver, *** *** was discovered in the household on September 30, A letter was mailed to
Mr*** on September 30, indicating that *** *** would be added as a rated driver to his policy effective October 29, (see attached letter)The agency has also indicated that they mailed Mr*** a letter on October 14, regarding the driver in the household.On October 31, Mr***’s Nationwide Agent contacted a Member Care Representative to request an exclusion for *** because he does not operate any of the vehiclesOur Member Care Representative indicated more information would be needed in order to exclude the driver, because “not operating the vehicles” is not a valid reason for an exclusion if the driver is in the householdUnderwriting advised that Nationwide would need proof of insurance for *** in order to allow the exclusion effective October 29, 2016.Nationwide agent has indicated Mr*** has come into the office on March 9, 2017, and March 16, regarding this issueEach time the agent and staff has indicated that proof of insurance elsewhere is needed in order to exclude *** *** from this policyThe agency informed him that when he signed the new business application online there is an Affirmation statement certifying that all drivers residing at the same address have been disclosed, which was not true(please see affirmation statement attached)Nationwide has not received proof of insurance for *** ***, therefore he will remain as a rated driver on the policy.If you have any further questions or concerns, please contact our Customer Relations Coordinator, Jose L*** at *** or email at ***Sincerely, Kristin M***Personal Lines Compliance SpecialistNationwide***
***
I have arranged my finances around the information they gave me I have a strict budget built around their misinformation They lied to me and I think they should keep their wordEither offset the loan against my retirement or pay it off outright because of the lie
Regards, *** ***
Please find attached blackout period notice from BCI Aircraft Leasing
Incwhich clearly states that the blackout period starts on September 20,
2015. The law requires that 401k
participant be given at least a day ADVANCE notice before any blackout
period starts so that he or she has sufficient time to take necessary actions. In my case, it is to roll it over to my IRA
account. The fact that Nationwide, as
the manager/administrator of the 401k plan, failed to wait for days for plan
participants to take necessary actions to protect their 401k assets is an
obvious breach of its fiduciary duty and a violation of plan participants’
basic rights
With regards to the fund loss in the account, the Nationwide
Prime Money Market fund managed by Nationwide imposes a 0.85% annual asset
management fee which is way excessive when the fund managers deliver a next to 0%
return on the fund. By charging
excessive fees on a next- to-zero-return fund is a guaranteed way to lose money
by the plan participants. During the two
months period, my account has been consistently losing money at 0.85% annual
rate
If Nationwide is in doubt about the 401k participants’ rights, we
can have Department of Labor, IRS or the Justice Department get involved
To resolve this matter, I request that Nationwide reimburse
me for all the fees imposed by Nationwide Prime Money Market Fund and a minimum
of $20,due to the loss of opportunity to participate in the stock market. During the two month period that my funds
were held at Nationwide, the stock market has gone up more than 10% in which I
was not able to participate due to the serious delay of rollover. Please have Nationwide send the check to my IRA rollover account per
instruction below
Make check payable to: *** *** *** *** *** *** * ***
Address: *** *** *** *** *** *** ** *** ** ***
Regards, *** ***
While reviewing my documents and filesI do recall communicating with Nationwide around the dates statedI also recall signing and completing the exclusion document via E-Sign
The facts, I would never have asked for my ex-wife to be listed as a principle driver on the policy as the whole reason for my dispute was to exclude herAt the time of initiating the policy request, she was not living at my residence, even though she was temporarily away outside of the countryShe hasn’t resided at my location since late
From my initial agreement and conversation when signing up for insurance I advised the representative exactly what the situation was (which seems to not have been documented correctly, or correct information is being withheld)I would have never agreed to a policy switch knowing that my ex would have to be included on the policyI was mislead to believe something different than what someone at your company later stated
To summarize, I would have never agreed to add my ex, as a principle driver on my insurance policyMe wanting to add her as a principle driver is a accusation with no proof, and offending
I’ve provided documentation from the mailings of the first agreement that I agreed toThese were provided by US mail and un-signedNowhere does it state that I would have to provide additional details about my ex-wife *** ***Any agreement thereafter would be outside our original agreement that I would have never agreed upon (Which leads to the misleading information)
I would like further, and accurate proof, contradicting my stance on a request for removal/exclusion vsme knowingly, wanting to include her on my previous policy with you guys as a principle driver
This has absolutely nothing to do with my property and I have no idea who they are speaking ofThere is no "***" involvedMy last name is ***They should recheck the claim number which is for property in North Wildwood, NJ (*** * *** Ave unit ***)*** ***
This will acknowledge receipt of, and thank you for your letter of December 2, *** ***’s complaint to you was in regards to her homeowner claim that was partially deniedIn reviewing Ms***’s claim, her claim involved reported damages to her property resulting from flood, wind, and
interior water damages from a storm which occurred on October 3, 2015.In regards to this homeowners claim, a loss notice was received by Nationwide on October 9, An initial contact was made with Ms*** on October 9, 2015, and again on October 13, 2015, by the assigned claims associateThe investigation and inspection of the claim commenced on October 15, At that time we reviewed with the insured that there was no coverage for any of the flood damages and mailed her a partial denial letter on October 16, Our inspection also determined ensuing water damages to a bathroom due to wind driven rains around a deteriorated roof ventAn estimate and payment for the covered damages (ensuing water damages) were provided to Ms***.On November 19, 2015, we received a request to re-inspect the property for an additional roof leakThe re-inspection took place on November 20, 2015, with Ms***’s son, *** presentThe inspection determined water had entered the attic around the deteriorated chimney flashing which caused water and mold damages to a small area on the underside of the roof sheathingAn estimate and payment for the additional damages were provided as well as a partial denial for the chimney flashing.Both inspections revealed there was no wind damage to the roof shingles from the storm of October 3, 2015, but there was damage due to deteriorated conditions of a roof vent and chimney flashing, which is not covered under the Nationwide homeowner policy.We hope this provides you the information that you requireIf we can be of any further assistance, please do not hesitate to contact us at any time.If you have any questions or concerns, please contact me at ###-###-#### or ***Sincerely,Debbie D***
January 11, 2016*** *** ***
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*** *** *** ***
Dear *** ***:On October 20, a claim was reported to Nationwide Mutual Insurance Company (Nationwide)concerning an automobile accident occurring on this date.Named Insured, *** ***, was operating a *** ***, a listed vehicle under NationwidePolicy Number ** ** * ***The claimant, *** ***, owns a *** ***On October20, 2015, *** *** was traveling westbound on *** Road attempting a left turn onto *** when he pulled into the path of *** ***, who was traveling eastbound on *** RoadThisaction caused the right front corner of *** ***’ vehicle to strike the right rear side of *** *** vehicle.Nationwide paid *** ***’ damage estimate of $5,($3,of this were for parts) plus $444.17in rental costs.On/around October 22, 2015, prior to repairs being completed, Nationwide received notice that ***
*** was also making a Diminished Value ClaimThe Diminished Value Claim was assigned toadjuster *** *** *** arranged for a post-repair vehicle re-inspection, which wascompleted on/around December 3, *** *** provided a copy of the vehicle title/registration aswell as diminished value appraisal report obtained through *** (***).The appraisal report through *** indicates that no actual inspection was performed; rather, theyreviewed the materials provided by *** *** opined that the pre-loss fair market value for thesubject vehicle was $47,*** further stated they "do not assess the quality and thoroughness ofthe repairs....only diminishment relating to stigma has been assigned a dollar value in this report"Thereport also lists several factors which potential buyers may consider important if they know the vehiclehas been involved in an accidentThese again relate to the 'stigma' referenced and speak in generalitiesand hypothetical situations only; there is nothing specific to this particular claim and/or vehicleIt'simportant to note that 'stigma' and generalities are speculative and do not prove a diminution in valueclaim without evidence of a reduction in the vehicle's actual cash value before the accident and afterrepairsThe *** report also references vehicles with a similar year/make/model; however, all havediffering mileage than that of the subject vehicle*** goes on to claim that the post-accident fairmarket value is $38,and further alleges that due the accident, the vehicle's value has diminished by20% or $9,There has been no documentation provided that would support these figures and/oropinion.Furthermore, *** *** has alleged that this accident has caused his vehicle to sustain accelerateddepreciation, and has further alleged that a reasonable person will not pay the same price for awrecked/repaired vehicle as they would for one with no prior damage history*** *** has not providedany documentation to support his statements and/or opinionsIt should also be noted that during thepost-repair inspection, it was discovered that the *** ***' vehicle sustained additional {unrelated}damage due to a subsequent accident/incident.The measure of damages for diminution in value in Ohio is the difference in actual cash value (not tradein or resale value) before an accident and after repairsThe information *** *** has provided is notbased on a difference in actual cash valueFurthermore, in Ohio, a claimant recovering both the cost ofrepairs and the residual diminution in value is not entitled to recover damages in excess of the vehicle'sgross diminution in valueIn addition, *** *** has suggested that the accident will negatively impactthe vehicle's traand/or resale value; however, as noted above, diminished value is not based ontraor resale value.Taking into consideration the aforementioned information, the damages sustained, repairs made, as wellas the vehicle's age, mileage and overall condition, we have extended a good faith offer of $1,toresolve *** ***’ diminished value claim; *** *** has rejected this offer at this time.Nationwide would be pleased to consider any new information *** *** would like to provide to supporthis claimIf you have any additional questions please contact Angela S***, Customer RelationsCoordinator, Office of the Customer Advocacy at ###-###-#### or ***Respectfully,Wendy K*** ***Claims ManagerNationwide PCIO | MidWest Operations | Material Damage*** *** *** ***
*** ** ***C ###-###-#### | F ###-###-####***Office of Customer Advocacy | *** *** *** *** * *** ** ***
We are in receipt of your correspondence dated May 17, regarding *** ***’s additional request to contact Credit Collections Services (CCS) and waiving the remaining collection amount. I will be happy to respond to Ms***’s additional request CCS has closed the collection account for $and has advised the amount has not been reported to the Credit Bureau. CCS will also be mailing a letter to Ms*** confirming the account has been closed and not reported to the Credit Bureau. Concerning the remaining $balance owed, this amount is not able to be waived by *** *** *** *** Insurance Company. In order to remain compliant with the North Carolina Department of Insurance premium is not able be waived for coverage provided There was not a call located advising the collection balance would be waived. Since Customer Service Representative (CSR), Dianne, did not provide information to Ms*** that the unearned premium would be calculated on a short-rate basis and there would be premium owed for coverage provided from January 1, to January 18, 2017, the unearned premium was able to be recalculated on a pro-rata basis which reduced the collection amount from $to $ If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at ***@nationwide.com Sincerely, Jake M*** Senior Analyst
This is in response to the additional inquiry received for the above policyholder and her property policy. Ms*** alleges our Company did a inspection on her homeOur vendor ***, performed the inspection on July 23, with her spouse, Ryan ***’s permissionMr*** was interviewed by the inspector and allowed the inspector to enter the home to perform an interior review as well as the exterior revewA copy of the inspection report has been enclosed Ms*** has shared that her siding is not wood shakes, but vinyl that look like woodIn review of the pictures within the inspection, the siding does appear to be wood shakesIf they are vinyl, our replacement cost would only decrease by $to $277, Our Company was insuring Mrand Ms***’s home at 100% replacement cost and through the inspection it was found to be $278,We cannot answer how other companies rate for replacement cost. Ms*** is also concerned on her billing account and the payment our Company received on April 20, to reinstate her policyThe following is a breakdown of her billing account: On June 23, a transaction processed binding policy 5106HOeffective June 25, with a term premium of $859.09. On July 16, a check payment was received via the mail in the amount of $859.09. On August 31, a change was processed to the policy increasing the coverage limits effective the June 25, inception dateThis change was made based on an inspection completed and resulted in an increase in premium of $274.78. On March 1, a bill was issued advising that a payment of $was due by March 25, 2016. On March 31, a Notice of Cancellation was issued advising that a payment of $must reach Nationwide by April 14, or the policy would be cancelled effective April 15, 2016. On April 18, a transaction was processed to cancel the policy effective April 15, $in unearned premium was removed from the account leaving a collection balance of $due for coverage provided until April 15, 2016. On April 20, a check payment was received via the mail in the amount of $Per our records this payment was made on behalf of the insured by her mortgage company Wells Fargo BankA copy of the redacted check has been included. On April 21, a transaction was automatically processed to reinstate the policy effective April 20, As the automobile policy had been cancelled, the policy was reinstated without the Home and Car discount leaving an amount due of $59.75. As Ms*** has advised that she has obtained coverage elsewhere and does not desire to be insured with Nationwide we are able to process a cancelation of the policy per her requestThe policy has been request cancelled effective April 20, and a $refund has been issued on the policy. 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***r, at ###-###-#### or by email at *** Sincerely, Bridget MD***
Dear: Ms*** "Thank you for the opportunity to respond to this complaint We received notice of a Medical Payments claim by Ms*** on September 9, After a review of the claim, the Nationwide Claims Associate issued payment to Ms*** on October 6,
for the coverage limit of $2,On or about October 13, the Nationwide Claims Associate put a "stop payment" on the check based on a mistaken belief that there was an outstanding *** lien against any Medical Payments coverage available to Ms*** for the lossThe Nationwide Claims Associate also contacted Ms*** and asked if she had cashed the $2,check yetMs*** said she had notThe Nationwide Claims Associate was not aware, at that time, that Ms*** had actually cashed the check a few days priorThe "stop payment" of the $2,check caused Ms***' account to be overdrawn Nationwide found out about the overdrawn account on Oct 17, Thereafter, Nationwide Claims Manager Bill P*** reviewed the file and determined that there was no outstanding *** lien on the Medical Payments coverage available to Ms*** for the lossBased on this determination, Nationwide tried to deposit the $payment directly into Ms***' account on October 17, 2016, but Ms*** instead requested that Nationwide overnight a check to herNationwide overnighted a $2,check to Ms*** on October 18, The check was delivered to Ms *** at approximately 11:am on October 19, 2016. Ms*** claims to have incurred a $overdraft chargeNationwide is willing to reimburse Ms*** the $charge upon proof of loss being submitted by Ms***Nationwide has requested the proof of loss on October 18th , 20th and 27thAs of the writing of this letter Nationwide has not received any proof that this $charge exsistsNationwide maintains the position that it will be happy to reimburse Ms*** once she submits proof of the $loss. If you require further assistance, please contact our Customer Relations Coordinator, Yvette S*** , at ###-###-#### or by email at *** Sincerely, William J P*** *** *** ***
***
To whom it may concern:Thank you for your recent inquiry regarding a complaint you received from Natalie ***Below is the information we gathered regarding this caseIf I do not provide the information you need for this matter, please do not hesitate to let us know.Our records indicate on
March 17, Associate Agent *** *** received an email from Ms*** informing him she was moving back to the *** *** on May 22, She also mentioned in the email the need for her bank account information to be updated because the account we had on file had been closed.On March 17, Mr*** responded via email to Ms***’ request to update her banking informationHe informed her he needed her routing and account number and asked her to confirm the account was in her name.Ms*** responded to Mr***’s email on March giving him the banking information needed and again on March These emails also contained questions pertaining to the $non-sufficient fund fee she was being incorrectly chargedUnfortunately, these emails were not opened by Mr*** until April It was on this date Mr*** informed Ms*** (via email) that he had not changed the routing and account numbers as he advised he wouldMr*** also informed Ms*** the policy was scheduled to cancel on April 29, Realizing his error, Mr*** also informed Ms*** he would have the non-sufficient fund fee waivedSubsequently, there was no follow up with the insured nor was the $non-sufficient fee waived.We have, however, taken the necessary steps to remove the $non-sufficient funds fee and the resulting $collection amount charged to Ms***A refund check in the amount of $(unearned premium) is in the process of being mailed to Ms*** and *** *** to the *** *** *** *** ** *** *** *** *** address we have on fileThe policy’s cancellation date will remain April 29, 2015.We sincerely apologize to Ms*** and Mr*** for the level of service they receivedWe thank them for their patience and for allowing us an opportunity to correct this issue.Thank you for bringing this matter to our attentionWe trust this will resolve all pending concernsIf you should have any questions or wish to discuss the matter further, please feel free to call *** *** Office of the Chief Customer Advocate Complaint Coordinator at ###-###-#### or email her at ***Sincerely,*** *** *** *** *** *** ***Nationwide###-###-#### ***
September 24,
Revdex.com File #: ***
Complainant:
*** ***
Insured:*** ***
Policy #: ***
Company Name: Nationwide General Insurance Company
*** ** ***
*** *** * ***
Inception date: May 7,
Dear *** ***
We regret that our rates were not competitive enough to keep *** *** auto policy insured with us*** *** policy increases were a direct result of a rate increase in her area at each renewal
The May 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increaseThe November 7, renewal generated with the term premium of $This was an overall increase of $from the previous renewalThis increase was due to a general rate increase. The May 7, renewal generated with the term premium of $835.59. This was an overall increase of $from the previous renewalThis increase was due to a general rate increase
*** *** agent, Albert G***, is sorry that the member is unhappy with her rates. He believes he took good care of her as a customer over the yearsUnfortunately, *** *** expressed to the agent that she does not wish to speak with him and advised him not to call her
On August 6, 2015, *** *** request cancelled her auto policy effective August 3, 2015. A refund was sent to her in the amount of $20.18. Our records indicate that she cashed the refund check on August 26,
We would like to personally express our regrets in losing *** *** as a member and ask that should her situation change in the future, she will consider Nationwide to be “On Your Side” again
If you require further assistance, please contact our Customer Relations Coordinator, Cathy D***, at ###-###-#### or by email at ***
Sincerely,
Tiffany C***
SrAnalyst
Member Solutions - Shared Services
Customer Resolution & Response
Nationwide
###-###-####
Enclosures: Policy Declarations
January 17, 2017*** ***
*** *** *** ** *** ***
*** *** **
*** ** *** *** *** ***
*** *** *** ***
*** *** *** ***
*** *** *** *** ***
*** ** *** ***
*** ***
*** *** *** ** ***
*** *** ** ***
Dear *** ***
This letter is in response to the complaint received by the Company from your office regarding *** *** *** *** for *** ***In reviewing our files, *** *** contacted the Company’s Personal Lines Services (Service) department on October 27, to advise that there was glass damage to both of his existing insured vehicles, which included a Kia Optima and a Dodge RamThe Service representative notified *** *** that he had Comprehensive coverage with a $deductible on both vehicles, but he did not have Full Glass coverage on either vehicle*** *** requested to add Full Glass coverage to both vehicles effective October 27, 2015, and it was clarified that this would be available for any future losses on or after that dateThe coverage was added as requested*** *** did not mention or request to add coverage for Original Equipment Manufacturer (OEM) parts, which is a separate policy coverage available for a vehicle with Comprehensive and/or Collision coverageCompany guidelines do not require OEM coverage to be offered for existing vehicles that already have Comprehensive and Collision coverage.On April 18, 2016, *** *** contacted Service and requested to have calls reviewed to verify if OEM coverage was offered for his vehiclesThe call from October 27, had been reviewed and it was determined that there was no company errorThe call from June 17, was then reviewed, when the Dodge Ram was added to the policy effective June 14, 2014, to see if OEM was offered when the vehicle was added to the policy, as required per Company guidelines when adding a new vehicle to a policy with Comprehensive and/or Collision coverageAfter reviewing the call, it was determined that OEM was not offered for the Dodge Ram during that call, and per guidelines, coverage could be backdated to the date the vehicle was added, effective June 14, Two outbound calls were made, on April 22, and April 26, 2016, and voicemails were left with *** *** to advise of the determination and approval to add OEM coverage for the Dodge Ram effective June 14, *** *** called Service on May 6, and was advised of this information, but declined to add OEM effective to June 14, at that timeDue to this, OEM coverage was not added to the policy for either vehicle.On September 5, 2016, *** *** contacted Service to verify if he had OEM coverage on the Dodge Ram and the Kia OptimaThe Service representative advised that OEM coverage was on the Dodge Ram but not the Kia OptimaThe Service representative clarified that if added, it would apply to any future losses to the vehicleIt was advised that the OEM coverage was added effective September 5, for the Kia Optima.In reviewing our files, the OEM coverage was not added as advised and neither the Dodge Ram or Kia Optima currently has or has ever included OEM coverageDue to this, the Company has approval to add OEM coverage for the Dodge Ram and Kia Optima effective September 5, 2016, to apply to any losses that occurred on or after that date, if *** *** agrees to do soNo change will be made to the policy unless authorized by *** *** and he agrees to the change and additional premium owedIf this change is made per *** ***’s request, notification will be provided to Safelite Auto Glass to reflect that the Dodge Ram and Kia Optima have full glass coverage effective October 27, and OEM coverage effective September 5, If the OEM coverage is added, applicable premium charges will apply from September 5, forward, and the premium increase would be billed to *** *** starting with the next billing cycle*** *** can use the contact information below, or contact Personal Lines Services at ###-###-#### to request any changes to the policy or ask any additional questions as needed.No refund can be provided by the Company to *** *** as the coverage on the Auto policy for both the Dodge Ram and Kia Optima has been rated and charged appropriately from the date the vehicles were added to *** ***’s Auto policy using rates filed and approved in the rating state of California*** *** was not charged any premium for Full Glass coverage prior to October 27, and has not been charged any premium for OEM coverage on either vehicle at any point on the Auto policy.If you require further assistance, please contact our Customer Advocacy Coordinator, *** *** at ###-###-#### or by email at ***
Sincerely,*** ***
*** ***
*** *** *** ***###-###-####***
I did not agree to those fees, and did not accept those fees. Please waive the fee in total, and then, only then, close the account.I was also advised on the phone in June that all fees would be refunded. Please issue refund and DO NOT charge me any fees. This is clear, as of this date: 07/07/
Regards, *** ***
This
letter is in response to the inquiry received from your office on November 4,
Nationwide
Mutual Fire Company did receive
notice of a claim from Mr*** *** on
September 30, 2015. The claim was
assigned to a local associate who attempted to reach Mr*** on October 1,
2015. Attempts to contact the member on
both the home and cell numbers were unsuccessful; however, messages were left
at each number
The
associate tried again to reach Mr*** and was successful in reaching him on
October 2, 2015. Subsequent to our
contact, the associate sent a leak detection expert to investigate the cause of
loss. The expert inspected the property
on October 5, and a site inspection was completed by our associate on
October 7, 2015. The associate attempted
to contact Mr*** to review the findings of our investigation as well as the
policy limitations on October 15, 2015.
This contact was again met with voicemail and a detailed message was
left. A letter was also mailed to Mr
*** on October 19, providing additional detail and basis for the denial
of coverage as conveyed telephonically a few days earlier. The claims associate attempted to follow up with
Mr*** again on October 27, 2015.
This contact attempt also was met with voicemail and another message was
left. While we were not able to reach
Mr*** via telephone on October 27, 2015, the member did email the claim
associate, advising that he had not received a letter from usThe claim
associate called the insured on November 3, leaving a voicemail message
that she would email him another copy of the denial letterThe claim associate
emailed the insured another copy of the letter on November 4,
Mr
*** responded to the email with the letter on November 3, notifying us
that he also intended to pursue a separate area of damage. Since this damage was unrelated to the
existing claim, a new claim was captured for this loss on November 5, In
addition to this email communication, the local claim manager spoke to Mr
***, reviewing the findings on the first claim and confirming the capture of
the new loss.
If you
require further assistance in this matter, please contact our *** *** ***, Gerrie H***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Michelle
M***
*** ***
COMPANY STATES LETTERS WERE SENT WHICH I AM STILL IN DISAGREEMENT WITH BC NO NOTICES WERE EVVER RECEIVEDTHIS WHOLE TIME THE BALANCE BEING REPORTED AND REFLECTED WERE INACCURATE AND WAS REPORTED TO TEH CREDIT BUREAUS HAVING A NEGATIVE IMPACT ON MY CREDIT WHICH IS UNFAIR.ON JULY WHEN I CALLED IN TO SPEAK WITH A SUPERVISOR EVEN HE WAS NOT ABLE TO TELL ME WHT THE BALANCE I OWED WASI HAVE NO PROBLEM PAYING WHAT I OWE I DO HOWEVER HAVE A PROBLEM PAYING ESTIMATED AMOUNTSI WANT THIS REMOVED FROM MY CREDIT REPORT SINCE IT WAS REPORTED INACCURATELY AND UNFAIRLYAT THIS POINT I FEEL THE ONLY OPTION I HAVE IS TO TAKE THIS TO THE MEDIA
Regards,
*** ***
*** Thank you for the opportunity to respond to our customer’s inquiry After inspecting Ms*** vehicle, Nationwide advised Ms*** the rear axle did not appear to be related to the loss. Ms*** was advised that unless a shop could relate the damages, we would not be able to consider those damages as a part of this loss. Ms*** took her vehicle to *** Chevrolet, the dealership did an independent inspection of her vehicle and determined the damages to the rear axle appeared to be due to wear and tear as there was no evidence of an impact to this part. Based on our inspection, there is no damage to the wheels from this collisionThe black paint on the aftermarket wheels is chipping off, and this would be related to wear and tear and not an impact. If you have any further questions, please contact me at ###-###-#### Sincerely, Paul G*** ***
Thank you for all that you doNationwide has sent me a check today of $1,which according to them is 75% of their own estimate of $1,At first when I gave them an estimate it was $from the mechanic that my insurance sent me toTheir own is far less than thatHowever, I asked them to please go and fix the car since their own estimate is lesserThe lady refused *** saying "I have to go and fix it and that is how much she is offering me"! I plant to get a second opinion from another mechanic.Kindly help to resolve this with them as they refusing to respond to me.Thank you,Sincerely,*** ***
Thank you for the opportunity to respond to the Revdex.com regarding the complaint filed by *** ***It is our practice to obtain either proof of purchase and/or photos of car seats needing to be replaced, in order to ensure that we're correctly replacing with the same/similar
model/trimConfirming the seat manufacturer and model/trim is an important detail in ensuring that payment for replacement is correct and in line with current pricing on replacement seats.We requested photos of the seat in question from *** ***, but were informed that the customer had already disposed of the car seatIn an effort to ensure correct payment, we requested proof of payment/a receipt in order to verify trim and pricing*** *** advised us that they did not hold onto the receipt for the car seat and that it was not purchased with a bank account, which made it impossible to provide proof of purchaseIn an effort to ensure customer satisfaction, we have made an exception and have approved payment for car seat replacement without the required photos and/or proof of paymentPayment in full for the car seat replacement requested by the customer has been approved and payment should be issued shortly.I trust that I have addressed the issues within *** ***’s complaintIf I can be of further assistance, please contact me at ###-###-####.Sincerely,*** *** ***Western Claims Titan Insurance
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
Thank you for the opportunity to respond to Mr*** concerns regarding the added driver *** *** to his policy effective October 29, 2016.Review of the policy indicates that an undisclosed driver, *** *** was discovered in the household on September 30, A letter was mailed to
Mr*** on September 30, indicating that *** *** would be added as a rated driver to his policy effective October 29, (see attached letter)The agency has also indicated that they mailed Mr*** a letter on October 14, regarding the driver in the household.On October 31, Mr***’s Nationwide Agent contacted a Member Care Representative to request an exclusion for *** because he does not operate any of the vehiclesOur Member Care Representative indicated more information would be needed in order to exclude the driver, because “not operating the vehicles” is not a valid reason for an exclusion if the driver is in the householdUnderwriting advised that Nationwide would need proof of insurance for *** in order to allow the exclusion effective October 29, 2016.Nationwide agent has indicated Mr*** has come into the office on March 9, 2017, and March 16, regarding this issueEach time the agent and staff has indicated that proof of insurance elsewhere is needed in order to exclude *** *** from this policyThe agency informed him that when he signed the new business application online there is an Affirmation statement certifying that all drivers residing at the same address have been disclosed, which was not true(please see affirmation statement attached)Nationwide has not received proof of insurance for *** ***, therefore he will remain as a rated driver on the policy.If you have any further questions or concerns, please contact our Customer Relations Coordinator, Jose L*** at *** or email at ***Sincerely, Kristin M***Personal Lines Compliance SpecialistNationwide***
***
I have arranged my finances around the information they gave me I have a strict budget built around their misinformation They lied to me and I think they should keep their wordEither offset the loan against my retirement or pay it off outright because of the lie
Regards, *** ***
Please find attached blackout period notice from BCI Aircraft Leasing
Incwhich clearly states that the blackout period starts on September 20,
2015. The law requires that 401k
participant be given at least a day ADVANCE notice before any blackout
period starts so that he or she has sufficient time to take necessary actions. In my case, it is to roll it over to my IRA
account. The fact that Nationwide, as
the manager/administrator of the 401k plan, failed to wait for days for plan
participants to take necessary actions to protect their 401k assets is an
obvious breach of its fiduciary duty and a violation of plan participants’
basic rights
With regards to the fund loss in the account, the Nationwide
Prime Money Market fund managed by Nationwide imposes a 0.85% annual asset
management fee which is way excessive when the fund managers deliver a next to 0%
return on the fund. By charging
excessive fees on a next- to-zero-return fund is a guaranteed way to lose money
by the plan participants. During the two
months period, my account has been consistently losing money at 0.85% annual
rate
If Nationwide is in doubt about the 401k participants’ rights, we
can have Department of Labor, IRS or the Justice Department get involved
To resolve this matter, I request that Nationwide reimburse
me for all the fees imposed by Nationwide Prime Money Market Fund and a minimum
of $20,due to the loss of opportunity to participate in the stock market. During the two month period that my funds
were held at Nationwide, the stock market has gone up more than 10% in which I
was not able to participate due to the serious delay of rollover. Please have Nationwide send the check to my IRA rollover account per
instruction below
Make check payable to: *** *** *** *** *** *** * ***
Address: *** *** *** *** *** *** ** *** ** ***
Regards, *** ***
While reviewing my documents and filesI do recall communicating with Nationwide around the dates statedI also recall signing and completing the exclusion document via E-Sign
The facts, I would never have asked for my ex-wife to be listed as a principle driver on the policy as the whole reason for my dispute was to exclude herAt the time of initiating the policy request, she was not living at my residence, even though she was temporarily away outside of the countryShe hasn’t resided at my location since late
From my initial agreement and conversation when signing up for insurance I advised the representative exactly what the situation was (which seems to not have been documented correctly, or correct information is being withheld)I would have never agreed to a policy switch knowing that my ex would have to be included on the policyI was mislead to believe something different than what someone at your company later stated
To summarize, I would have never agreed to add my ex, as a principle driver on my insurance policyMe wanting to add her as a principle driver is a accusation with no proof, and offending
I’ve provided documentation from the mailings of the first agreement that I agreed toThese were provided by US mail and un-signedNowhere does it state that I would have to provide additional details about my ex-wife *** ***Any agreement thereafter would be outside our original agreement that I would have never agreed upon (Which leads to the misleading information)
I would like further, and accurate proof, contradicting my stance on a request for removal/exclusion vsme knowingly, wanting to include her on my previous policy with you guys as a principle driver