This letter is in response to the complaint received by the Company from your office regarding the cancellation of Auto policy [redacted] for Mr [redacted] The Auto policy was written with original effective dates of January 17, to January 17, and a full-term premium of $ The policy originally included a Mercury as the only insured vehicle and [redacted] as the only insured driver The policy was setup to be billed monthly to Mr [redacted] by mail using the mailing address of [redacted] Bills were sent starting on January 25, for an initial due date of February 17, Monthly payments were received for February, March, April, May, June, July, August, September, October, and NovemberA Chevrolet pickup was added as a second vehicle effective September 20, as requested through the local independent Agency, [redacted] *** This change added a pro-rated additional premium of $and increased the full-term premium to $A bill was sent by mail to Mr [redacted] using the address on file on December 5, for an amount due of $and a due date of December 17, This bill was delayed due to the November payment being received late on December 2, compared to the due date of November 17, A notice of cancellation was sent to Mr [redacted] by mail on December 21, due to payment not being received A separate notification was sent to the Agency electronically to advise of payment being past due The notice of cancellation requested a payment of at least $90.64, including a $late fee, and provided last day to accept payment of January 2, to prevent cancellation The notice advised that the Auto policy would cancel effective at 12:AM on January 3, if the payment was not received Due to the payment not being received, the Auto policy cancelled as advised on the notice of cancellationThe policy cancellation was not related to any claim, driving history, personal background, or any reason other than non-payment of premium A remaining balance of $was due after cancellation to pay for coverage provided up to January 3, No refund or reimbursement can be sent as premium was due for coverage provided up to the effective date of cancellationIf you require further assistance, please contact our Customer Advocacy Coordinator, Barb D [redacted] , at ###-###-#### or by email at [redacted] Sincerely, Joel F [redacted]
We are in receipt of your correspondence dated April 25, addressed to [redacted] regarding [redacted] ’s concern regarding the SmartRide programI will be happy to respond to the concernsof Ms [redacted] on her behalf.Policy [redacted] is a semi-annual personal automobile policy which incepted on October 1,and most recently renewed on April 1, When Mrs [redacted] ’s Toyota Avalon wasadded to the policy on December 3, it was enrolled into the SmartRide programThe SmartRidedevice was installed in the vehicle on December 15, 2016.The period of time the device has to be installed is four months prior to renewal dateInMrs[redacted] ’s situation the device was installed days prior to the Janurary 6th scoring dateTheSmartRide device would have needed to be installed by October 13,2016, in order to receive discounteffective at renewal date Apil 1st,Since the device didn’t meet the time requirements,any eligiblediscount will apply to premium that renews on October 1st 2017.The SmartRide program provides personalized feedback to policyholders to help them make even saferdriver decisionsThe SmartRide device doesn’t create dangerous driving situationsMrs[redacted] stated that she, will speed through yellow lights to prevent from getting a “hard brake penalty”Thedevice is intended to document your driving habits and positively effect the way you drive.If you require further assistance please contact, Brandon C***, at ###-###-#### or by email at [redacted] .Sincerely,Jason M [redacted]
I am writing in response to the complaint referenced above, regarding monthly service fees charged to an echeckingaccount with Nationwide Bank.In reviewing Ms***'s stated concerns, and the requirements of the e-checking account, I confirmed that thereare two requirements in place to avoid a monthly service fee on this account typeOne is that the membermaintains a direct deposit of at least $to the accountMs***'s direct deposit has consistently satisfiedthis requirementHowever, the other requirement to avoid the monthly fee is that the member must complete aminimum of eight point of sale transactions per month, using the debit card tied to the accountFor the statementcycle ending on April 13, 2017, that requirement was not satisfiedAs a courtesy, we waived the fee andprovided Ms [redacted] with information to avoid a similar fee going forwardWe also provided her with informationabout a new checking product now offered by Nationwide Bank that has no monthly service fee.Ms [redacted] respovlded asking to have all fees charged to her account since refundedI researched thehistory of the account and learned that there has been a total of seven fees charged to the account since itopenedIn each case, the fee was assessed for the same reasonWe had waived three of those fees, uponindividual requestPrior to the fee on the April statement, the most recent fee was dated March 13, 2016.At that time, the decision was made to not waive the remainder of the fees retroactivelyMs [redacted] was advisedof that decision, and was provided with an electronic copy of Nationwide Bank Terms and Conditions, detailingthe requirements to avoid a monthly feeMs [redacted] agreed to those Terms and Conditions upon opening theaccount, via electronic signature.Thank you,Anne C [redacted] ***
The member’s wife filed a claim on their homeowners insurance policy on 9/30/for water damage from recent rains Mrs [redacted] stated on 09/29/at approx9:pm, that there was a rain storm and she noticed rain leaking through a roof vent onto the second floor bedroom vent, onto the second floor carpet [redacted] was dispatched to begin drying out the structure and removed damaged interior items Heavy rains continued in this area for several days [redacted] was unable to tarp roof due to rain and access to roof Additional damages occurred to interior due to continued rains Member refused to have [redacted] to continue repairs and asked for a field inspection on 10/14/ A complaint was filed with the Revdex.com on 10/14/15, claiming [redacted] has not completed repairs A claims professional met with the member on 10/15/and wrote a repair estimate and dispatched a separate contractor to tarp the roof to prevent further damages Claims manager spoke with member, George J [redacted] , on 10/16/and verified that the complaint has been resolved with a new contractor involved The claims manager left his name and number to contact him if there were any additional questions or issues No further issues, the complaint is resolved If you have any further questions please feel free to contact me Sincerely, Ken G [redacted]
Dear MsMcLaughlin: This letter is in response to the concerns filed by [redacted] regarding the returned item fee on his Nationwide Auto policy On January 18, 2016, Nationwide member, [redacted] , was advised that we would accept a running bank statement as evidence of the funds being available on the payment dateWe received that running bank statement on January 19, 2016, and have waived the feeThe matter has been corrected per Mr [redacted] ’s request
because I have a family of five and I am the only one working and with the pay that I receive I can not afford an additional insurance cost for my son who is not and can not drive I was told by DMV that my son can not drive with a restricted licenseThe only car he can drive is a rental car but you have to be and my son is only My son is in college and he rides the bus everyday I am just asking that someone make sense of this matter Regards, [redacted]
This letter is in response to your inquiry dated November 14, 2016.Mr [redacted] has expressed concerns regarding his auto policy premiumThe policy was bound with theexpectation that the August 01, to February 01, term premium would be $629.80.However, the policy processed with a term premium of $which was $higher than thequoted premiumMr [redacted] did attempt to resolve this issue with Nationwide before filing thiscomplaint.There are procedures in place to help resolve premium issuesOur review of the policy hasdetermined the current premium of $is correctThere were no defects or missing informationthat contributed to the higher premiumAs Mr [redacted] was quoted $when the policy wasbound, this premium will be honored for this term.A $credit was placed on the policy on November 07, to honor the quoted premium of$for one termMr [redacted] has been informed the term premium is being honored and thatremaining bills would be loweredThere are two bills left in the policy term which have been adjustedto $each, barring any premium bearing changes.Mr [redacted] also states that Nationwide did not make contact to resolve this issueNationwide is abusiness whose future depends upon the satisfaction of our customersWe strive to provide ourcustomers with the highest quality of serviceWe apologize if the level of service Mr [redacted] hasreceived did not meet his expectationsWe continually work to improve our ability to avoid issues likethis in the future.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D [redacted] ,at ###-###-#### or by email at [redacted] @nationwide.com.Sincerely,Gregory AG [redacted] SrAnalyst###-###-#### [redacted] @nationwide.com
This is an update on the above case regarding [redacted] .The MD Claims Manager comments: On 12/12/an inspection by [redacted] took place at [redacted] 's address to determine Diminution of valueWe received the report on Monday 12/14/15; I contacted [redacted] and reviewed the report and the amount of Diminution of value loss of $I emailed the report to her that eveningShe replied on 12/15/via email, she was in acceptance of the offer for Diminution of value in the amount of $We issued a check settlement on 12/16/and sent it to her address on fileThe complaint has been resolved and closed based on settlement.If you have any further questions, please feel free to contact me.Sincerely,Ed [redacted] , IIClaims Manager540-582-***
[redacted] Nationwide has reviewed the concerns filed by Ms [redacted] regarding the Auto policy, [redacted] *gainThe information that was previously provided regarding the billing of thepolicy has been confirmed as accurate.When the policy was requested to be cancelled effective October 3, 2017, there was a remainingbalance of $1,on the billing accountWhen the policy was cancelled, the unearned premiumin the amount of $1,was removed from the billing accountThis unearned premium was forthe period from October 3, through July 16, (since coverage was no longer providedeffective October 3, There was a remaining balance of $87.63.Because the policy’s cancellation (effective October 3, 2017) was not processed until October 11,2017, the automatic withdrawal from the bank account still went through on October 9, Apayment of $was draftedThis brought the remaining balance owed to -$58.53.The total premium owed for the renewal term that began on July 16, 2017, and was then pro-ratecancelled effective October 3, (including fees) was $The total amount that was paid toNationwide for the Insurance provided was $439.48.There was an overpayment of $A refund in the amount of $was sent to the bankaccount from which payment was automatically draftedA refund check in the amount of $wasmailed to Ms [redacted] as reimbursement for the two insufficient funds fees that were incurred due tothe draft from the bank account for the policy’s paymentNo additional refund’s are owed to Ms[redacted] , as the $premium that was charged was valid.If you require further assistance, please contact me, Angela S [redacted] at ###-###-#### or by email at [redacted] Sincerely,George K [redacted]
2/16/[redacted] Ms [redacted] ,Thank you for the opportunity to respond to our customer’s inquiry.Mr [redacted] ’s claim was received by Nationwide and assigned to Claims Associate, [redacted] , on December 16, Mr [redacted] ’s vehicle was inspected by [redacted] on December 21, At that time, an estimate was written for the fair and reasonable cost of repairs to Mr [redacted] ’s vehicleIn November of 2016, [redacted] was notified that Mr [redacted] ’s vehicle was at his shop of choice, [redacted] [redacted] reinspected Mr [redacted] ’s vehicle on November 8, 2016, and wrote an estimate for supplemental damages.There were differences in ***’s estimate and the estimate provided by Mr [redacted] ’s shop of choiceAccordingly, by letter dated November 8, 2016, [redacted] advised Mr [redacted] that Nationwide would only be responsible for fair and reasonable expenses [redacted] further stated that, “Any work you commission or authorize that would be unreasonable, unnecessary, or damages that exceed this appraisal amount may become your responsibility.” [redacted] later wrote a final supplemental estimate for the vehicle’s repairs on December 2, 2016.On January 26, 2017, Mr [redacted] invoked the appraisal clause under his Nationwide policy due to the differences in Nationwide’s estimate and [redacted] ’s estimateAt that time, Nationwide hired an independent appraiser who wrote an appraisal for $higher than Nationwide’s estimateThis additional amount was offered to Mr [redacted] on January 31, 2017, and we have not yet received a response from him.If you have any further questions, please contact me at ###-###-####.Sincerely, [redacted] ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address her concerns about the policy.As advised in our original written response, and directly to Mrs [redacted] on 03/24/when she contacted the member service center, Mr [redacted] can be removed from the policy once proof of other coverage from 10/19/through 11/04/is receivedThis is a company guideline to make sure our members do not experience a lapse in insurance coverage.If you require further assistance, please contact our [redacted] , Lance R***, at ###-###-#### or by email at [redacted] Sincerely,Jillian J [redacted]
I was made aware of this claim file yesterdayI have communicated with both Mrand Mrs [redacted] regarding the settlement amountThey understand the total loss process and the settlement amount presentedThey are not in agreement with the amount at this time and we are working towards resolutionWe hope to have this verbally settled today In addition, we have sent the required documentation to them for signaturesThey understand it will need to be mailed back to Nationwide Insurance with the title We hope we can release settlement monies today, on good faith that the owners will mail the required paperwork to our office today Typically we must wait until the paperwork is received and is correct prior to 100% release of settlement moneyHowever, given some time delay issues we have made an exception Sincerely, Sean C [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me They have resolved my complaint at this time
Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address [redacted] ***’s concerns about his policy.On 01/12/2017, Ms [redacted] and Mr [redacted] received an auto insurance quote from the [redacted] *** Agency, for a Titan Indemnity Company DBA Nationwide Insurance CompanyThisquote listed both [redacted] and [redacted] as rated drivers and included two vehiclesThefollowing notice was printed at the top of the quote: “IMPORTANT NOTE: All Premiums quoted aresubject to verification of information.” (See Attachment titled “Pre-quote 01/12/2017”).On 01/17/2017, Ms [redacted] decided to purchase a policy and opted to pay the full premium of$2,as a ‘paid in full’ bill optionThe policy was written and bound with only Ms [redacted] listed as arated driver as Mr [redacted] did not yet have an American drivers’ licenseAfter the policy was bound andduring our new business underwriting review, it was determined the value listed for both vehicles wereoverstatedTherefore, underwriting made appropriate corrections, resulting in a reduction of premium inthe amount of $The result was an adjusted term premium of $2,372.48, as reflected in theinception declarations page(See Attachment titled “Inception Dec”)On 01/19/2017, [redacted] from [redacted] Insurance, contacted our service center to change driver #2; spouse: [redacted] ***, to a rated driver effective 01/19/2017, since Mr [redacted] had obtained his American drivers’licenseThis increased the total term premium in the amount of $1,224.22.Office of Customer Advocacy, One Nationwide Plaza, Columbus Ohio, 43215The reason why the initial quote with both drivers was different than what was the ultimate premium pricefor those same two drivers was the fact that at the time the policy was initially quoted a credit check hadnot been runThe reason for this is that credit is run during the actual application process when thepolicy is purchased, not when a quote is madeThe initial quote provided was a non-credit basedtraditional productHowever, the policy was bound as a general product, which is a credit based product.At the review of this complaint, the total term premium is $3,which includes both [redacted] and [redacted] as rated drivers(See “Revised Dec” attached)When this premium adjustment wasdiscussed with Mr***, he questioned the reason for the difference between the initial quoted premium(with both drivers) and the actual premium (with both drivers)His agent explained that she provided hima quote and when the policy was fully reviewed by underwriting the premium was adjusted based uponadditional informationAs a courtesy for Mr***, an exception was extended to allow cancellation of thepolicy without a mid-term cancellation fee and a return of any unused premiumHowever, Mr***declined the offer.Finally, I want to bring to your attention that on page of the North Carolina Department of InsuranceConsumer Guide to Automobile Insurance, it states the following under “How Rates are Determined,” “Aquote is an estimate of your premiumIt does not offer a firm price or contract.”If you require further assistance in this matter, please contact our Customer Advocacy Coordinator,Charity W [redacted] or by email at [redacted] .Sincerely,Stephanie F*
Please find attached documents One is the official cancellation form that was sent to me and signed via DocuSign directly from Amy Porton at Nationwide Not only will you see her name and the date (mine as well), but also the IP address As you can see, I requested and had cancelled my policy before the new billing cycle and payment due took effect which was to start July 6th, if I hadn’t cancelled The second document is my new auto policy declarations page via State Farm Insurance As you can see, this policy started on July 6th It's difficult to understand why Nationwide wants to see the declarations page from my new insurer, as the Nationwide policy was cancelled before any balance was owed and had I chose to drive uninsured, it becomes a legal issue with the PA DMV and the police – not with a business, insurance or otherwise The only reason I can think of, is Nationwide wants to see if I had insurance and not utilizing theirs (although the fault is with them for not processing the information) However, if you refer to the cancellation form, you’d see that utilizing the policy beyond July 6th was impossible from the start Nevertheless, both pages are attached and serve as concrete proof that I not only cancelled the insurance before / by the time any new amounts were due, but that I had also opened a new policy with another company, as mentioned As a result, I wish for Nationwide to update their records accordingly, cease any debt collection efforts, and remove negative entries from my credit report / [redacted] Style Definitions */ Regards, [redacted]
Dear [redacted] ,In response to Nationwide let me say I refused to speak to agent Hugh G [redacted] since I had spoken to him many times regarding my large increases in premium and he always assure me I was getting the most for my Premium.I now know this wasn't trueHe was taking care of his commissions, not meI called Customer Service twice to ask for my Insurance score that they based Premium on and both times they refused to give it to meMy last bill was for $not $as they state.I now get many more benefits for $less per yearI see a problem with this.Sincerely, [redacted] ***
This letter is in response to your August 26, inquiry regarding the above-referenced claimThis claim resulted from an auto accident that occurred on July 31, in [redacted] ***The claim was reported to us on August 4, We promptly initiated our investigation into this accident on the same day and were able to speak to both our insured and the complainantThe loss involves a International Pro Star tractor, VIN [redacted] , owned by our insured which was being operated by [redacted] Mr [redacted] changed lanes and collided with the complainant’s vehicleLiability for the accident is not contested; however, coverage for the accident was pending as the International Pro Star tractor was not listed on the policy at the time of the accident.Scottsdale Insurance Company provides [redacted] ***with coverage under Policy No [redacted] , effective August 7, through August 7, Among other coverages, the policy provides liability coverage for specifically described autos as well as newly-acquired and temporary substitute vehicles.Complainant: [redacted] Both our insured and the complainant were advised that coverage was pending for this lossWe have also been in contact with, and provided the status of our coverage investigation to, the complainant’s insurance agent, [redacted] with Tompkins Insurance Agencies, Inc., on August 13th and August 27th as well as the complainant’s son, ***, on August 25thIt is our objective to return all calls within one business day.Today, August 31st, we have been able to confirm the International Pro Star tractor involved in this accident will be added to the policy as a scheduled auto prior to this accidentAs coverage has now been confirmed, we have issued payment to the complainant for their estimated damages and also advised them today that payment is forthcoming.Should you require any further assistance in this matter, please contact our [redacted] , Patty G***, at ###-###-#### or via email at [redacted] Sincerely,Norm S [redacted] ###-###-#### ###-###-####
I reviewed the response made by the business in reference to complaint ID [redacted] , I have submitted documents required to contest VPI denial decision for my cat, *** This week, I reviewed the case with a VPI agent and one of their underwriters It was pointed out to me that while my cat, [redacted] did have a rhinitis exclusion placed on her policy, there is no supporting documentation to have placed the exclusion She has never had rhinitis, nor a related diagnosis prior to the current office visit, therefore no pre-existing condition has occurred My vet's office is deeply involved in this case and has spoken in my defense with VPI They will support my Review of Claim submission with appropriate documentation I hope for a fair resolution of ***'s claim.Yes, ? did choose remove my other cat [redacted] from VPI insurance Like ***, she's also been covered by VPI since under a "Superior" plan At the end of 2014, and the beginning of this year, she developed a serious illness and had to be hospitalized for over a week She required surgery and supportive careHer bill was approximately $5, but VPI paid less than 44% on the claims submitted I've paid more than double in plan payments than the amount reimbursed In my world, that's a terrible return on investment Having ***'s claim completely denied was the final straw, so I moved [redacted] to another company's plan.In closing, I hope that we can reach a resolution in ***'s case No client wants to battle a company in order to receive fair treatment It's stressful and frustrating It's also bad business for VPI/NationwideToday, consumers not only have multiple choices regarding their purchasing choices, but the ability to rate companies on their customer experienceIt's much better for all parties involved to resolve issues quickly and easily I appreciate VPI's willingness to review ***'s claim and the Revdex.com for mediating Regards, [redacted]
This claim involves our policyholder’s vehicle causing damage to the Complainant’s property.We previously went to the loss location and completed a damage estimateThe Complainant then presented [redacted] ***l with an estimate that was significantly higher than our estimateAt that time [redacted] ***l went back out to the property and did a re-inspection [redacted] ***l increased our damage assessment and have spoken to the Complainant’s contractor and both are in agreement that all of the work can be done for $2, [redacted] ***l then presented the Complainant with a Property Damage Release and have advised that a check would be overnighted to them upon the receipt of the releaseThe Complainant is not satisfied with this and will not sign the release without having the check[redacted] ***l is in the process of scheduling a time for the Complainant and a [redacted] ***l representative to meet and exchange the signed release for the settlement draft.If you require further assistance, please contact our Customer Advocacy Coordinator, Claire Steiner, at ###-###-#### or by email at [redacted] Sincerely,Adam A***Casualty Claims Manage
This letter is in response to the complaint received by the Company from your office regarding the cancellation of Auto policy [redacted] for Mr [redacted] The Auto policy was written with original effective dates of January 17, to January 17, and a full-term premium of $ The policy originally included a Mercury as the only insured vehicle and [redacted] as the only insured driver The policy was setup to be billed monthly to Mr [redacted] by mail using the mailing address of [redacted] Bills were sent starting on January 25, for an initial due date of February 17, Monthly payments were received for February, March, April, May, June, July, August, September, October, and NovemberA Chevrolet pickup was added as a second vehicle effective September 20, as requested through the local independent Agency, [redacted] *** This change added a pro-rated additional premium of $and increased the full-term premium to $A bill was sent by mail to Mr [redacted] using the address on file on December 5, for an amount due of $and a due date of December 17, This bill was delayed due to the November payment being received late on December 2, compared to the due date of November 17, A notice of cancellation was sent to Mr [redacted] by mail on December 21, due to payment not being received A separate notification was sent to the Agency electronically to advise of payment being past due The notice of cancellation requested a payment of at least $90.64, including a $late fee, and provided last day to accept payment of January 2, to prevent cancellation The notice advised that the Auto policy would cancel effective at 12:AM on January 3, if the payment was not received Due to the payment not being received, the Auto policy cancelled as advised on the notice of cancellationThe policy cancellation was not related to any claim, driving history, personal background, or any reason other than non-payment of premium A remaining balance of $was due after cancellation to pay for coverage provided up to January 3, No refund or reimbursement can be sent as premium was due for coverage provided up to the effective date of cancellationIf you require further assistance, please contact our Customer Advocacy Coordinator, Barb D [redacted] , at ###-###-#### or by email at [redacted] Sincerely, Joel F [redacted]
We are in receipt of your correspondence dated April 25, addressed to [redacted] regarding [redacted] ’s concern regarding the SmartRide programI will be happy to respond to the concernsof Ms [redacted] on her behalf.Policy [redacted] is a semi-annual personal automobile policy which incepted on October 1,and most recently renewed on April 1, When Mrs [redacted] ’s Toyota Avalon wasadded to the policy on December 3, it was enrolled into the SmartRide programThe SmartRidedevice was installed in the vehicle on December 15, 2016.The period of time the device has to be installed is four months prior to renewal dateInMrs[redacted] ’s situation the device was installed days prior to the Janurary 6th scoring dateTheSmartRide device would have needed to be installed by October 13,2016, in order to receive discounteffective at renewal date Apil 1st,Since the device didn’t meet the time requirements,any eligiblediscount will apply to premium that renews on October 1st 2017.The SmartRide program provides personalized feedback to policyholders to help them make even saferdriver decisionsThe SmartRide device doesn’t create dangerous driving situationsMrs[redacted] stated that she, will speed through yellow lights to prevent from getting a “hard brake penalty”Thedevice is intended to document your driving habits and positively effect the way you drive.If you require further assistance please contact, Brandon C***, at ###-###-#### or by email at [redacted] .Sincerely,Jason M [redacted]
I am writing in response to the complaint referenced above, regarding monthly service fees charged to an echeckingaccount with Nationwide Bank.In reviewing Ms***'s stated concerns, and the requirements of the e-checking account, I confirmed that thereare two requirements in place to avoid a monthly service fee on this account typeOne is that the membermaintains a direct deposit of at least $to the accountMs***'s direct deposit has consistently satisfiedthis requirementHowever, the other requirement to avoid the monthly fee is that the member must complete aminimum of eight point of sale transactions per month, using the debit card tied to the accountFor the statementcycle ending on April 13, 2017, that requirement was not satisfiedAs a courtesy, we waived the fee andprovided Ms [redacted] with information to avoid a similar fee going forwardWe also provided her with informationabout a new checking product now offered by Nationwide Bank that has no monthly service fee.Ms [redacted] respovlded asking to have all fees charged to her account since refundedI researched thehistory of the account and learned that there has been a total of seven fees charged to the account since itopenedIn each case, the fee was assessed for the same reasonWe had waived three of those fees, uponindividual requestPrior to the fee on the April statement, the most recent fee was dated March 13, 2016.At that time, the decision was made to not waive the remainder of the fees retroactivelyMs [redacted] was advisedof that decision, and was provided with an electronic copy of Nationwide Bank Terms and Conditions, detailingthe requirements to avoid a monthly feeMs [redacted] agreed to those Terms and Conditions upon opening theaccount, via electronic signature.Thank you,Anne C [redacted] ***
The member’s wife filed a claim on their homeowners insurance policy on 9/30/for water damage from recent rains Mrs [redacted] stated on 09/29/at approx9:pm, that there was a rain storm and she noticed rain leaking through a roof vent onto the second floor bedroom vent, onto the second floor carpet [redacted] was dispatched to begin drying out the structure and removed damaged interior items Heavy rains continued in this area for several days [redacted] was unable to tarp roof due to rain and access to roof Additional damages occurred to interior due to continued rains Member refused to have [redacted] to continue repairs and asked for a field inspection on 10/14/ A complaint was filed with the Revdex.com on 10/14/15, claiming [redacted] has not completed repairs A claims professional met with the member on 10/15/and wrote a repair estimate and dispatched a separate contractor to tarp the roof to prevent further damages Claims manager spoke with member, George J [redacted] , on 10/16/and verified that the complaint has been resolved with a new contractor involved The claims manager left his name and number to contact him if there were any additional questions or issues No further issues, the complaint is resolved If you have any further questions please feel free to contact me Sincerely, Ken G [redacted]
Dear MsMcLaughlin: This letter is in response to the concerns filed by [redacted] regarding the returned item fee on his Nationwide Auto policy On January 18, 2016, Nationwide member, [redacted] , was advised that we would accept a running bank statement as evidence of the funds being available on the payment dateWe received that running bank statement on January 19, 2016, and have waived the feeThe matter has been corrected per Mr [redacted] ’s request
because I have a family of five and I am the only one working and with the pay that I receive I can not afford an additional insurance cost for my son who is not and can not drive I was told by DMV that my son can not drive with a restricted licenseThe only car he can drive is a rental car but you have to be and my son is only My son is in college and he rides the bus everyday I am just asking that someone make sense of this matter Regards, [redacted]
This letter is in response to your inquiry dated November 14, 2016.Mr [redacted] has expressed concerns regarding his auto policy premiumThe policy was bound with theexpectation that the August 01, to February 01, term premium would be $629.80.However, the policy processed with a term premium of $which was $higher than thequoted premiumMr [redacted] did attempt to resolve this issue with Nationwide before filing thiscomplaint.There are procedures in place to help resolve premium issuesOur review of the policy hasdetermined the current premium of $is correctThere were no defects or missing informationthat contributed to the higher premiumAs Mr [redacted] was quoted $when the policy wasbound, this premium will be honored for this term.A $credit was placed on the policy on November 07, to honor the quoted premium of$for one termMr [redacted] has been informed the term premium is being honored and thatremaining bills would be loweredThere are two bills left in the policy term which have been adjustedto $each, barring any premium bearing changes.Mr [redacted] also states that Nationwide did not make contact to resolve this issueNationwide is abusiness whose future depends upon the satisfaction of our customersWe strive to provide ourcustomers with the highest quality of serviceWe apologize if the level of service Mr [redacted] hasreceived did not meet his expectationsWe continually work to improve our ability to avoid issues likethis in the future.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D [redacted] ,at ###-###-#### or by email at [redacted] @nationwide.com.Sincerely,Gregory AG [redacted] SrAnalyst###-###-#### [redacted] @nationwide.com
This is an update on the above case regarding [redacted] .The MD Claims Manager comments: On 12/12/an inspection by [redacted] took place at [redacted] 's address to determine Diminution of valueWe received the report on Monday 12/14/15; I contacted [redacted] and reviewed the report and the amount of Diminution of value loss of $I emailed the report to her that eveningShe replied on 12/15/via email, she was in acceptance of the offer for Diminution of value in the amount of $We issued a check settlement on 12/16/and sent it to her address on fileThe complaint has been resolved and closed based on settlement.If you have any further questions, please feel free to contact me.Sincerely,Ed [redacted] , IIClaims Manager540-582-***
[redacted] Nationwide has reviewed the concerns filed by Ms [redacted] regarding the Auto policy, [redacted] *gainThe information that was previously provided regarding the billing of thepolicy has been confirmed as accurate.When the policy was requested to be cancelled effective October 3, 2017, there was a remainingbalance of $1,on the billing accountWhen the policy was cancelled, the unearned premiumin the amount of $1,was removed from the billing accountThis unearned premium was forthe period from October 3, through July 16, (since coverage was no longer providedeffective October 3, There was a remaining balance of $87.63.Because the policy’s cancellation (effective October 3, 2017) was not processed until October 11,2017, the automatic withdrawal from the bank account still went through on October 9, Apayment of $was draftedThis brought the remaining balance owed to -$58.53.The total premium owed for the renewal term that began on July 16, 2017, and was then pro-ratecancelled effective October 3, (including fees) was $The total amount that was paid toNationwide for the Insurance provided was $439.48.There was an overpayment of $A refund in the amount of $was sent to the bankaccount from which payment was automatically draftedA refund check in the amount of $wasmailed to Ms [redacted] as reimbursement for the two insufficient funds fees that were incurred due tothe draft from the bank account for the policy’s paymentNo additional refund’s are owed to Ms[redacted] , as the $premium that was charged was valid.If you require further assistance, please contact me, Angela S [redacted] at ###-###-#### or by email at [redacted] Sincerely,George K [redacted]
2/16/[redacted] Ms [redacted] ,Thank you for the opportunity to respond to our customer’s inquiry.Mr [redacted] ’s claim was received by Nationwide and assigned to Claims Associate, [redacted] , on December 16, Mr [redacted] ’s vehicle was inspected by [redacted] on December 21, At that time, an estimate was written for the fair and reasonable cost of repairs to Mr [redacted] ’s vehicleIn November of 2016, [redacted] was notified that Mr [redacted] ’s vehicle was at his shop of choice, [redacted] [redacted] reinspected Mr [redacted] ’s vehicle on November 8, 2016, and wrote an estimate for supplemental damages.There were differences in ***’s estimate and the estimate provided by Mr [redacted] ’s shop of choiceAccordingly, by letter dated November 8, 2016, [redacted] advised Mr [redacted] that Nationwide would only be responsible for fair and reasonable expenses [redacted] further stated that, “Any work you commission or authorize that would be unreasonable, unnecessary, or damages that exceed this appraisal amount may become your responsibility.” [redacted] later wrote a final supplemental estimate for the vehicle’s repairs on December 2, 2016.On January 26, 2017, Mr [redacted] invoked the appraisal clause under his Nationwide policy due to the differences in Nationwide’s estimate and [redacted] ’s estimateAt that time, Nationwide hired an independent appraiser who wrote an appraisal for $higher than Nationwide’s estimateThis additional amount was offered to Mr [redacted] on January 31, 2017, and we have not yet received a response from him.If you have any further questions, please contact me at ###-###-####.Sincerely, [redacted] ***
Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address her concerns about the policy.As advised in our original written response, and directly to Mrs [redacted] on 03/24/when she contacted the member service center, Mr [redacted] can be removed from the policy once proof of other coverage from 10/19/through 11/04/is receivedThis is a company guideline to make sure our members do not experience a lapse in insurance coverage.If you require further assistance, please contact our [redacted] , Lance R***, at ###-###-#### or by email at [redacted] Sincerely,Jillian J [redacted]
I was made aware of this claim file yesterdayI have communicated with both Mrand Mrs [redacted] regarding the settlement amountThey understand the total loss process and the settlement amount presentedThey are not in agreement with the amount at this time and we are working towards resolutionWe hope to have this verbally settled today In addition, we have sent the required documentation to them for signaturesThey understand it will need to be mailed back to Nationwide Insurance with the title We hope we can release settlement monies today, on good faith that the owners will mail the required paperwork to our office today Typically we must wait until the paperwork is received and is correct prior to 100% release of settlement moneyHowever, given some time delay issues we have made an exception Sincerely, Sean C [redacted]
I reviewed the response made by the business in reference to complaint ID [redacted] , and find the resolution is satisfactory to me They have resolved my complaint at this time
Thank you for the opportunity to respond to the Revdex.com regarding policy number [redacted] for [redacted] and to address [redacted] ***’s concerns about his policy.On 01/12/2017, Ms [redacted] and Mr [redacted] received an auto insurance quote from the [redacted] *** Agency, for a Titan Indemnity Company DBA Nationwide Insurance CompanyThisquote listed both [redacted] and [redacted] as rated drivers and included two vehiclesThefollowing notice was printed at the top of the quote: “IMPORTANT NOTE: All Premiums quoted aresubject to verification of information.” (See Attachment titled “Pre-quote 01/12/2017”).On 01/17/2017, Ms [redacted] decided to purchase a policy and opted to pay the full premium of$2,as a ‘paid in full’ bill optionThe policy was written and bound with only Ms [redacted] listed as arated driver as Mr [redacted] did not yet have an American drivers’ licenseAfter the policy was bound andduring our new business underwriting review, it was determined the value listed for both vehicles wereoverstatedTherefore, underwriting made appropriate corrections, resulting in a reduction of premium inthe amount of $The result was an adjusted term premium of $2,372.48, as reflected in theinception declarations page(See Attachment titled “Inception Dec”)On 01/19/2017, [redacted] from [redacted] Insurance, contacted our service center to change driver #2; spouse: [redacted] ***, to a rated driver effective 01/19/2017, since Mr [redacted] had obtained his American drivers’licenseThis increased the total term premium in the amount of $1,224.22.Office of Customer Advocacy, One Nationwide Plaza, Columbus Ohio, 43215The reason why the initial quote with both drivers was different than what was the ultimate premium pricefor those same two drivers was the fact that at the time the policy was initially quoted a credit check hadnot been runThe reason for this is that credit is run during the actual application process when thepolicy is purchased, not when a quote is madeThe initial quote provided was a non-credit basedtraditional productHowever, the policy was bound as a general product, which is a credit based product.At the review of this complaint, the total term premium is $3,which includes both [redacted] and [redacted] as rated drivers(See “Revised Dec” attached)When this premium adjustment wasdiscussed with Mr***, he questioned the reason for the difference between the initial quoted premium(with both drivers) and the actual premium (with both drivers)His agent explained that she provided hima quote and when the policy was fully reviewed by underwriting the premium was adjusted based uponadditional informationAs a courtesy for Mr***, an exception was extended to allow cancellation of thepolicy without a mid-term cancellation fee and a return of any unused premiumHowever, Mr***declined the offer.Finally, I want to bring to your attention that on page of the North Carolina Department of InsuranceConsumer Guide to Automobile Insurance, it states the following under “How Rates are Determined,” “Aquote is an estimate of your premiumIt does not offer a firm price or contract.”If you require further assistance in this matter, please contact our Customer Advocacy Coordinator,Charity W [redacted] or by email at [redacted] .Sincerely,Stephanie F
*
Please find attached documents One is the official cancellation form that was sent to me and signed via DocuSign directly from Amy Porton at Nationwide Not only will you see her name and the date (mine as well), but also the IP address As you can see, I requested and had cancelled my policy before the new billing cycle and payment due took effect which was to start July 6th, if I hadn’t cancelled The second document is my new auto policy declarations page via State Farm Insurance As you can see, this policy started on July 6th It's difficult to understand why Nationwide wants to see the declarations page from my new insurer, as the Nationwide policy was cancelled before any balance was owed and had I chose to drive uninsured, it becomes a legal issue with the PA DMV and the police – not with a business, insurance or otherwise The only reason I can think of, is Nationwide wants to see if I had insurance and not utilizing theirs (although the fault is with them for not processing the information) However, if you refer to the cancellation form, you’d see that utilizing the policy beyond July 6th was impossible from the start Nevertheless, both pages are attached and serve as concrete proof that I not only cancelled the insurance before / by the time any new amounts were due, but that I had also opened a new policy with another company, as mentioned As a result, I wish for Nationwide to update their records accordingly, cease any debt collection efforts, and remove negative entries from my credit report / [redacted] Style Definitions */ Regards, [redacted]
Dear [redacted] ,In response to Nationwide let me say I refused to speak to agent Hugh G [redacted] since I had spoken to him many times regarding my large increases in premium and he always assure me I was getting the most for my Premium.I now know this wasn't trueHe was taking care of his commissions, not meI called Customer Service twice to ask for my Insurance score that they based Premium on and both times they refused to give it to meMy last bill was for $not $as they state.I now get many more benefits for $less per yearI see a problem with this.Sincerely, [redacted] ***
THEY STILL FAIL TO HONOR DATE OF CANCELLATION IT APPEARS AS IF THEY CANNNOT READ AND COMPREHEND! Regards, [redacted]
This letter is in response to your August 26, inquiry regarding the above-referenced claimThis claim resulted from an auto accident that occurred on July 31, in [redacted] ***The claim was reported to us on August 4, We promptly initiated our investigation into this accident on the same day and were able to speak to both our insured and the complainantThe loss involves a International Pro Star tractor, VIN [redacted] , owned by our insured which was being operated by [redacted] Mr [redacted] changed lanes and collided with the complainant’s vehicleLiability for the accident is not contested; however, coverage for the accident was pending as the International Pro Star tractor was not listed on the policy at the time of the accident.Scottsdale Insurance Company provides [redacted] ***with coverage under Policy No [redacted] , effective August 7, through August 7, Among other coverages, the policy provides liability coverage for specifically described autos as well as newly-acquired and temporary substitute vehicles.Complainant: [redacted] Both our insured and the complainant were advised that coverage was pending for this lossWe have also been in contact with, and provided the status of our coverage investigation to, the complainant’s insurance agent, [redacted] with Tompkins Insurance Agencies, Inc., on August 13th and August 27th as well as the complainant’s son, ***, on August 25thIt is our objective to return all calls within one business day.Today, August 31st, we have been able to confirm the International Pro Star tractor involved in this accident will be added to the policy as a scheduled auto prior to this accidentAs coverage has now been confirmed, we have issued payment to the complainant for their estimated damages and also advised them today that payment is forthcoming.Should you require any further assistance in this matter, please contact our [redacted] , Patty G***, at ###-###-#### or via email at [redacted] Sincerely,Norm S [redacted] ###-###-#### ###-###-####
I reviewed the response made by the business in reference to complaint ID [redacted] , I have submitted documents required to contest VPI denial decision for my cat, *** This week, I reviewed the case with a VPI agent and one of their underwriters It was pointed out to me that while my cat, [redacted] did have a rhinitis exclusion placed on her policy, there is no supporting documentation to have placed the exclusion She has never had rhinitis, nor a related diagnosis prior to the current office visit, therefore no pre-existing condition has occurred My vet's office is deeply involved in this case and has spoken in my defense with VPI They will support my Review of Claim submission with appropriate documentation I hope for a fair resolution of ***'s claim.Yes, ? did choose remove my other cat [redacted] from VPI insurance Like ***, she's also been covered by VPI since under a "Superior" plan At the end of 2014, and the beginning of this year, she developed a serious illness and had to be hospitalized for over a week She required surgery and supportive careHer bill was approximately $5, but VPI paid less than 44% on the claims submitted I've paid more than double in plan payments than the amount reimbursed In my world, that's a terrible return on investment Having ***'s claim completely denied was the final straw, so I moved [redacted] to another company's plan.In closing, I hope that we can reach a resolution in ***'s case No client wants to battle a company in order to receive fair treatment It's stressful and frustrating It's also bad business for VPI/NationwideToday, consumers not only have multiple choices regarding their purchasing choices, but the ability to rate companies on their customer experienceIt's much better for all parties involved to resolve issues quickly and easily I appreciate VPI's willingness to review ***'s claim and the Revdex.com for mediating Regards, [redacted]
This claim involves our policyholder’s vehicle causing damage to the Complainant’s property.We previously went to the loss location and completed a damage estimateThe Complainant then presented [redacted] ***l with an estimate that was significantly higher than our estimateAt that time [redacted] ***l went back out to the property and did a re-inspection [redacted] ***l increased our damage assessment and have spoken to the Complainant’s contractor and both are in agreement that all of the work can be done for $2, [redacted] ***l then presented the Complainant with a Property Damage Release and have advised that a check would be overnighted to them upon the receipt of the releaseThe Complainant is not satisfied with this and will not sign the release without having the check[redacted] ***l is in the process of scheduling a time for the Complainant and a [redacted] ***l representative to meet and exchange the signed release for the settlement draft.If you require further assistance, please contact our Customer Advocacy Coordinator, Claire Steiner, at ###-###-#### or by email at [redacted] Sincerely,Adam A***Casualty Claims Manage