The first thing I asked the sales person was for insurance for my car that is a classic , and a bike where more than blue book and renters because I needed to find out up front as I wasted to much time calling different agents and not getting this up front, I made it clear I wanted all and form the same place.I was miss led by your salesman, the auto policy did not work then she sold bike and renters.I'm not in insurance and I'm not familiar with your shady tactics, what I know is not only did you rip me off now you want me to jump through hoops because you deceived me?I called first thing the next morning and told the lady this needed to be undone and gave her all the info, then I emailed the sales man and told her it needed undone.Now you drag this out and are offering to pro rate my refund just so you can rip me off for more moneys.Regards,
*** ***
Some of the items stated in the response were incorrectNo correspondence was sent to me from this departmentI have identified this was true in speaking with the new rep today and the address that was on file was incorrectI actually had to request a copy of the letter for my claim rep (handled car repairs) in order to view any info needed by this deptThis is why it was not returned until SeptemberNo follow up/ email or call was placed to me my the account rep unless I initiated the responseEven when I Emailed the supervisor I still did not receive a response until Revdex.com got involvedPlease verify with the system my correct address was placed in the system todayMy complaint was based on the need to understand how the offer was calculated and the lack of care that was taken with me as a customerI am also gave the rep all of the documentation I had regarding the accidents and clearly explained to her the one I did not have paper work forMy current rep has resolved any issues that could have been handled weeks agoI am in hopes that my feedback and frustrations will lead to some type of change in providing better customer serviceI definitely am very disappointed in how I was treated as a potential customer and will never do business with nationwide for insurance.
Regards,
*** ***
Please accept this letter as a formal response to your recent inquiry regarding your City of *** *** PEHP-Z plan, administered by Nationwide Retirement SolutionsI appreciate the opportunity to address your concerns.Each time a monthly reimbursement update is requested, a new PEHP claim form
and supporting documentation for each premium must be submitted togetherYour documentation was received in two separate transactions, causing the premium update to not be processedI apologize for this, as we had in fact received all necessary documentation at the time of your last phone call with our representativesAs of March 22, 2016, your monthly insurance reimbursement has been updated to reflect both your dental and medical insurance premiums, at total of $This will be reflected beginning with your March reimbursement, which has an effective date of March 24, 2016.I sincerely apologize for any inconvenience this has caused youIf you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 5:p.mEastern timeIf calling after hours you may reach me on my cell phone at ###-###-####.Sincerely,Dana C***NF Tech Operations ManagerNationwide Retirement Solutions
I have received your correspondence regarding the complaint made to the Better Busines Bureau of Columbus Ohio, related to the accident on July 20, with a Nationwide customerI have reviewed the file and would like to update you on the issues in which there were concerns. It seems
the complainant wants her medical bills paidHowever, Kansas state law mandates that the first $in medical bills must be paid by one’s own carrier*** *** Insurance, Ms***’s automobile insurance carrier, is responsible for the first $in billsOnce they pay $2000, she will then qualify for a bodily injury claim through Nationwide InsuranceMs*** may want to contact *** *** Insurance to get these bills paidThe handling adjuster is John F* and can be reached at ###-###-####. In the letter Ms*** also indicated the Nationwide claims associate is never available and has not provided adequate information to herDuring my review of the claim, I noticed the claims associate has left six voicemails for Ms*** to return her calls and none have been returnedWe have also sent two letters, asking Ms*** to contact usWe would like information regarding how Ms*** and her son are feeling and if they have had any treatmentMs*** can reach her bodily injury adjuster, Sheri A***, at ###-###-#### between 7:30am and 4:00pm on Monday through Friday. If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S***, at ###-###-#### or by email at ***@nationwide.com
Please accept this letter as a status update to our original response dated September 24, 2015.As previously stated, review of policy *** for *** *** ***, indicated three claims (claim #'s*** *** *** *** *** and ** ***) were recently temporarily denied until additionalinformation was submitted*** *** *** has several noted pre-existing conditions which areexcluded from coverage on her policy.During the initial review of her claims it was noted that the claims submitted were for the condition ofsevere chronic rhinitis which is one of the excluded pre-existing conditions, therefore we placed atemporary denial code on the Explanation of Benefits instructing the member to submit medicalrecords to review this exclusion as well as the claims.Since our initial response we have received the medical records necessary to allow us to complete ourreviewThe review found the claims noted above will remain denied in accordance with terms andconditions of the policy contractAdditionally a new claim submitted after our initial response, claim#*** *** noting a diagnosis of "chronic rhinitis," has also been denied as the condition isexcluded from coverage.Medical records received from *** *** *** *** *** document that *** *** ***has had "chronic waxing and waning rhinitis for nine years" which was also noted at enrollment asbeing treated prior to policy applicationAs this condition is pre-existing and a noted pre-existingcondition on the policy, it is ineligible for coverage.Section "What We Do Not Cover: Exclusions" of the policy states:8.A"This policy will not pay for pre-existing conditionsA condition is not pre-existing if itwas cured before the effective of this insurance policy and there has not been a recurrence ormanifestation of the condition for at least six (6) months."Underwritten by: *** ** *** *** 8.T "This policy will not pay for diagnostic test(~o) r treatment(~)f or conditions excluded orlimited by this policy or tests or treatments for complications of conditions excluded or limitedby this policy."Section defines pre-existing condition as:"Pre-existing condition means any condition that began or was contracted, manifested, orincurred before the effective date of this policy, whether or not the condition was discovered,diagnosed, or treated."Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, Patty G***, at ###-###-#### or via email at ***Sincerely,Ben W*** *** *** ***
Good day,We respectfully request an extension to reply of Friday, December so that we can ensure we provide a thorough and complete response.Your flexibility and acknowledgement of this request is greatly appreciated.Thank you.[Nationwide is on your side.]
This letter is in response to the assistance requested from *** *** regarding thecancellation and subsequent request to reinstate her Auto Insurance Policy.In review of the policy, there was a bill generated January 3, for $due January26, 2017.January 31, when no payment was
received, a $late fee was added to the billANotice of Cancellation was mailed to the insured advising $was due by February 15,2017, or the policy would cancel effective February 16, 2017.February 2, a last day to pay text was sent to the insured advising the last day to paywas February 15, 2017.February 21, a collection letter was sent to the insured advising the policy wascancelled and there was an amount due of $for premium owed up until the February16, cancellation date.February 22, the insured called regarding the policy and was advised it was cancelledand not eligible for reinstatementShe was advised the Service Center could take paymentfor the collections amount and forward her to the Agent for a quote on a new policy.I apologize for the frustrations expressed in the complaintOur review indicates there wereno errors in the processing of the billing and cancellationIn accordance with companyguidelines, the policy cannot be reinstated or reversed.If you require further assistance, please contact our Customer Advocacy Coordinator, CathyD***, at ###-###-#### or by email at ***Sincerely,Jennifer C***
The member’s wife filed a claim on their homeowners insurance policy on 9/30/for water damage from recent rains. Mrs*** *** 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. *** *** *** was dispatched to begin drying out the structure and removed damaged interior items. Heavy rains continued in this area for several days. *** *** *** 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 *** *** *** to continue repairs and asked for a field inspection on 10/14/15. A complaint was filed with the Revdex.com on 10/14/15, claiming *** *** *** 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***, 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***
*** *** ***
Thank you for your recent inquiry regarding a complaint you received from our insured *** ***. We strive to provide quality service while conforming to the expectations of our customer and all regulations.
Ms*** had a water loss on March 22, 2015.
The water escaped from a pipe in a chase wall on an exterior bathroom. The water leaked down from the upstairs chase wall down into the living and dining area below requiring repair to the walls, ceiling and floor. A containment area was created to limit dust and disturbance to the other areas of the home during the drying and remediation process. On 4/30/Ms*** called our Customer Advocacy Center and stated she was unhappy that she was not placed in a hotel during her repair process and also that she was unhappy with the restoration company because they had not placed all her belongings back in the proper locations in the home. I notified the restoration company who responded and moved the contents into the areas she requested and we also discussed the considerations for additional living accommodations. I explained that while she does have coverage for ALE it was not initiated because the damages were limited to areas of the home that could be contained to prevent as much disturbance as possibleI spoke with her and explained that ALE (Additional Living Expenses) is cost incurred. In her situation as explained, she did not need nor was required to stay in a hotel and the cost was not incurred. No payment can be made since no cost was incurred
I also apologized for any inconvenience that the loss and repairs caused her and for the issues with the general contractor who needed to return to properly move articles to her desired areas of the home.
Ms*** commented of a fall that was documented in her complaint to have occurred on May 5th. The fall was never reported to Nationwide but rather to the contractor, *** ***, following the completion of the restoration. The work was completed and a final walkthrough was held on 4/21/15. After the completion of the work Ms*** contacted the contractor and said she had tripped on the new carpet. It was determined that there was no installation issues with the new carpet but possibly tripped because the carpet was new.
I will include a copy of the estimate and photos in this response. If there are any additional questions or concerns please feel free to call my office at ###-###-####
Sincerely,
Warren Y***
*** ***
***Nationwide has reviewed the concerns filed by Ms*** regarding the Auto policy,*** *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*** 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.***, as the $premium that was charged was valid.If you require further assistance, please contact me, Angela S*** at ###-###-#### or by email at***Sincerely,George K***
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 *** *** ***l with an estimate that was significantly higher than our estimateAt that time
*** *** ***l went back out to the property and did a re-inspection*** *** ***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,*** *** ***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.*** *** ***l is in the process of scheduling a time for the Complainant and a *** *** ***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 ***Sincerely,Adam A***Casualty Claims Manage
Good afternoon,I am writing in response to the complaint number referenced above.In researching the accounts, I found that the complainant has had two closed Home Equity lines ofCredit with Nationwide Bank.On today's date, we overnighted the Satisfaction of Mortgage documents to the county in which
theproperty is located for each of the two lines of creditWe also emailed the complainant copies of thesame documents and provided the FedEx tracking number for the package that is being sent to thecounty of residence for the complainant.I have spoken with the complainant multiple times and kept her aware of the progress in the resolutionof her concerns.We consider this matter resolvedPlease feel free to let me know if there are further questions orconcerns.Sincerely,
Thank you for contacting Nationwide concerning Ms***’s auto policy coverage and recent claimSarah S*** from our Agency Support Unit has investigated the loss and has advised Ms*** of her findingsNotes on the policy, placed there by the agent on December 14, 2015, state that she
wanted to remove comprehensive and collision from the vehicle on that date , and that she would contact the company at her renewal on January 16, if she wanted to add the coverage backA declarations page was also sent to Ms*** on December 16, to confirm her coverage selectionUnfortunately there is no documentation indicating that she made the request to place that coverage back on the Nissan prior to the loss on January 16, As such, all of our documentation indicates that the coverage was removed per her request, and not in errorAs there is no error at this time, we are not able to recommend that the coverage be placed on the Nissan for the underlying lossOn behalf of Nationwide, I apologize if the service she received didn't meet her expectations and for any inconvenience it may have caused
Dear Ms.***I am writing in response to your concerns regarding your closed auto loan with Nationwide Bank.I am very sorry to hear that you have had so much difficulty in attempting to payoff and close yourNationwide Bank auto loan.I am in the process of working with a supervisor in our Bank
Operations area to ensure that this loan isreflecting paid in fullI also want to be able to confirm that this is not going to have a negative impact onyour credit.Again, I apologize for the frustration you have experiencedI hope that we can come to a resolution foryou in the coming days, I will provide a follow up with a final resolution once this matter has beencompletely resolvedIf there are any questions in the interim, please feel free to give me a call.Sincerely,Sara H*** ** *** ***Nationwide Bank###-###-####
They are not being truthfulIn that "conversation" with *** *** refunds that the company owes were also discussedI have all the info available and will fax as soon as I get homeWe have the original nexus Lexus report from when I joined on my own policy in may I am not a new person added to nationwideAt this time a nexus lexis report was sent that *** attached in an email which I will forward, that clearly has the may 14th incidentAt the bottom of the attachement you will see noted the print date of that report I am unable to attach the email so I will forward it.
Regards, *** ***
Thank you for the opportunity to respond to the Ohio Revdex.com regarding policy number ***for *** *** and to address her concerns about the policy.On 5/27/2015, Ms*** purchased a six-month personal auto insurance policy from American HeritageIns Brokers Inc with a
bill plan of 16.7% down and installments with an Electronic Funds Transfer (EFT) autodraft.On 10/12/2017, Ms*** was mailed, to the address on file, a Notice of Installment Due for $to bedue 10/27/2017.On 10/27/2017, no payment had been received and Cancellation/Notice of Payment was mailed to Ms.***This notice advised if no payment was received prior to 11/9/2017, the policy would cancel for nonpaymentof premium.On 11/9/2017, no payment had been received and Ms***’s policy cancelled per the above mentionednotice.On 1/8/2018, Ms*** contacted the member service center regarding the $collections balance.The member service representative advised the last installment bill was not paid and the balance was forcoverage provided until the 11/9/cancellationMs*** was asked if other insurance was obtainedprior to this date to which she responded her new policy started in December.As of 3/13/2018, a balance of $remains due for days of coverage provided from 5/27/untilcancellation 11/9/Ms*** indicated in her complaint that the last bill was paid, the company hasno record of a payment for the 10/27/billThe following are the payments received on Ms***’spolicy for the 5/27/to 11/27/term: 5/27/2017- $99.63, 6/17/2017- $74.47, 7/24/2017- $180.72,8/28/2017- $180.72, and 9/26/2017-$If Ms*** provides proof of this payment, the company willresearch to determine the best resolution.If you require further assistance in this matter, please contact Barb D*** at ###-###-#### or by email at***@nationwide.com.Sincerely,Dana P***Sales Manager- Non- Standard Auto
I cannot thank you enough for all the help given to me during this my trying period I am sure if not for Revdex.com Dispute Resolution Team the company National Casualty Company would not have treated me wellThe lady was so arrogant anytime she speaks with meShe is not very nice/polite at allHowever, I am grateful for your helpI have taken the car for the 2nd opinion, and will take the car in to the shop on the 16th of January as that is the available spaceI will come up with the balance and fix my car as I do not want this to go in to the New Year I thank you greatly for all that you do, and you may pelase close the case now.Thanks a billion.I am indeed very grateful.Sincerely,*** ***
We are in receipt of your correspondence dated January 18, concerning our former policyholder, and the final balance owed on his cancelled property policyI would be happy to respond to the policyholder’s concerns on behalf of the company. On September 8, 2016, a billing
statement generated for a total payment due of $This included an amount due of $for the auto policy, ***This amount due was the final payment of the prior term that was effective April 1, through October 1, The total payment of $was received on September 28, 2016. On October 10, 2016, a billing statement generated for a total payment due of $This included an amount due of $for the auto policyThis amount due was the first payment of the policy renewal term that carried policy effective dates of October 1, through April 1, 2017. Mr*** requested the cancellation of all policies effective October 29, The final balance owed of $is for coverage provided for the auto policy from October 1, through October 29, 2016. This balance is showing owed on the property policy, ***, as this policy was the last active policy on the billing account. If you require further assistance, please contact our Customer Relations Coordinator, Joey L***, at ###-###-#### or by email at *** Sincerely, Tara P***
We are in receipt of your request for information regarding the above referenced fileMs*** states that she did not give authorization for our agent to start a policy for her petShe is requesting a full refund for premium collected from her paycheck.Ms*** applied for the Major Medical
Plan with a $annual deductible and a Pet Wellness Basic Rider for her dog *** on December 8, The application was approved with an effective date of January 1, 2016.On January 19, Ms*** called our Customer Care department and said she had been enrolled without her consentHer policy was cancelled effective that day and a cancellation letter was sent on January 20, We issued a refund of unearned premium in the amount of $on April 23, Another refund of unearned premium was issued on July 10, in the amount of $18.38.Ms*** stated in her complaint that she never received the refund issued in April for $We issued a refund check on April 23, which was cashed on May 16, We have included a copy of the cashed check in our supporting documents.We have reviewed the enrollment call from December 8, Our agent was transparent on the enrollment process and was granted authorization by Ms*** at multiple points during the callHowever, in order to fully resolve this matter and because Ms*** did not use the policy, we have made the decision to cancel the policy back to the effective date and issue a full premium refundShe will receive a refund of $under a separate cover.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Joey Lopez, at or via email at [email protected],Julia S*Director of Operations
The first thing I asked the sales person was for insurance for my car that is a classic , and a bike where more than blue book and renters because I needed to find out up front as I wasted to much time calling different agents and not getting this up front, I made it clear I wanted all and form the same place.I was miss led by your salesman, the auto policy did not work then she sold bike and renters.I'm not in insurance and I'm not familiar with your shady tactics, what I know is not only did you rip me off now you want me to jump through hoops because you deceived me?I called first thing the next morning and told the lady this needed to be undone and gave her all the info, then I emailed the sales man and told her it needed undone.Now you drag this out and are offering to pro rate my refund just so you can rip me off for more moneys.Regards,
*** ***
Some of the items stated in the response were incorrectNo correspondence was sent to me from this departmentI have identified this was true in speaking with the new rep today and the address that was on file was incorrectI actually had to request a copy of the letter for my claim rep (handled car repairs) in order to view any info needed by this deptThis is why it was not returned until SeptemberNo follow up/ email or call was placed to me my the account rep unless I initiated the responseEven when I Emailed the supervisor I still did not receive a response until Revdex.com got involvedPlease verify with the system my correct address was placed in the system todayMy complaint was based on the need to understand how the offer was calculated and the lack of care that was taken with me as a customerI am also gave the rep all of the documentation I had regarding the accidents and clearly explained to her the one I did not have paper work forMy current rep has resolved any issues that could have been handled weeks agoI am in hopes that my feedback and frustrations will lead to some type of change in providing better customer serviceI definitely am very disappointed in how I was treated as a potential customer and will never do business with nationwide for insurance.
Regards,
*** ***
Please accept this letter as a formal response to your recent inquiry regarding your City of *** *** PEHP-Z plan, administered by Nationwide Retirement SolutionsI appreciate the opportunity to address your concerns.Each time a monthly reimbursement update is requested, a new PEHP claim form
and supporting documentation for each premium must be submitted togetherYour documentation was received in two separate transactions, causing the premium update to not be processedI apologize for this, as we had in fact received all necessary documentation at the time of your last phone call with our representativesAs of March 22, 2016, your monthly insurance reimbursement has been updated to reflect both your dental and medical insurance premiums, at total of $This will be reflected beginning with your March reimbursement, which has an effective date of March 24, 2016.I sincerely apologize for any inconvenience this has caused youIf you have any additional questions or concerns regarding this matter, please feel free to contact me directly at ###-###-####, weekdays between 8:a.mand 5:p.mEastern timeIf calling after hours you may reach me on my cell phone at ###-###-####.Sincerely,Dana C***NF Tech Operations ManagerNationwide Retirement Solutions
I have received your correspondence regarding the complaint made to the Better Busines Bureau of Columbus Ohio, related to the accident on July 20, with a Nationwide customerI have reviewed the file and would like to update you on the issues in which there were concerns. It seems
* and can be reached at ###-###-####. In the letter Ms*** also indicated the Nationwide claims associate is never available and has not provided adequate information to herDuring my review of the claim, I noticed the claims associate has left six voicemails for Ms*** to return her calls and none have been returnedWe have also sent two letters, asking Ms*** to contact usWe would like information regarding how Ms*** and her son are feeling and if they have had any treatmentMs*** can reach her bodily injury adjuster, Sheri A***, at ###-###-#### between 7:30am and 4:00pm on Monday through Friday. If you require further assistance, please contact our Customer Advocacy Coordinator, Claire S***, at ###-###-#### or by email at ***@nationwide.com
the complainant wants her medical bills paidHowever, Kansas state law mandates that the first $in medical bills must be paid by one’s own carrier*** *** Insurance, Ms***’s automobile insurance carrier, is responsible for the first $in billsOnce they pay $2000, she will then qualify for a bodily injury claim through Nationwide InsuranceMs*** may want to contact *** *** Insurance to get these bills paidThe handling adjuster is John F
Please accept this letter as a status update to our original response dated September 24, 2015.As previously stated, review of policy *** for *** *** ***, indicated three claims (claim #'s*** *** *** *** *** and ** ***) were recently temporarily denied until additionalinformation was submitted*** *** *** has several noted pre-existing conditions which areexcluded from coverage on her policy.During the initial review of her claims it was noted that the claims submitted were for the condition ofsevere chronic rhinitis which is one of the excluded pre-existing conditions, therefore we placed atemporary denial code on the Explanation of Benefits instructing the member to submit medicalrecords to review this exclusion as well as the claims.Since our initial response we have received the medical records necessary to allow us to complete ourreviewThe review found the claims noted above will remain denied in accordance with terms andconditions of the policy contractAdditionally a new claim submitted after our initial response, claim#*** *** noting a diagnosis of "chronic rhinitis," has also been denied as the condition isexcluded from coverage.Medical records received from *** *** *** *** *** document that *** *** ***has had "chronic waxing and waning rhinitis for nine years" which was also noted at enrollment asbeing treated prior to policy applicationAs this condition is pre-existing and a noted pre-existingcondition on the policy, it is ineligible for coverage.Section "What We Do Not Cover: Exclusions" of the policy states:8.A"This policy will not pay for pre-existing conditionsA condition is not pre-existing if itwas cured before the effective of this insurance policy and there has not been a recurrence ormanifestation of the condition for at least six (6) months."Underwritten by: *** ** *** *** 8.T "This policy will not pay for diagnostic test(~o) r treatment(~)f or conditions excluded orlimited by this policy or tests or treatments for complications of conditions excluded or limitedby this policy."Section defines pre-existing condition as:"Pre-existing condition means any condition that began or was contracted, manifested, orincurred before the effective date of this policy, whether or not the condition was discovered,diagnosed, or treated."Should you require any further assistance in this matter, please contact our Customer RelationsCoordinator, Patty G***, at ###-###-#### or via email at ***Sincerely,Ben W*** *** *** ***
Good day,We respectfully request an extension to reply of Friday, December so that we can ensure we provide a thorough and complete response.Your flexibility and acknowledgement of this request is greatly appreciated.Thank you.[Nationwide is on your side.]
This letter is in response to the assistance requested from *** *** regarding thecancellation and subsequent request to reinstate her Auto Insurance Policy.In review of the policy, there was a bill generated January 3, for $due January26, 2017.January 31, when no payment was
received, a $late fee was added to the billANotice of Cancellation was mailed to the insured advising $was due by February 15,2017, or the policy would cancel effective February 16, 2017.February 2, a last day to pay text was sent to the insured advising the last day to paywas February 15, 2017.February 21, a collection letter was sent to the insured advising the policy wascancelled and there was an amount due of $for premium owed up until the February16, cancellation date.February 22, the insured called regarding the policy and was advised it was cancelledand not eligible for reinstatementShe was advised the Service Center could take paymentfor the collections amount and forward her to the Agent for a quote on a new policy.I apologize for the frustrations expressed in the complaintOur review indicates there wereno errors in the processing of the billing and cancellationIn accordance with companyguidelines, the policy cannot be reinstated or reversed.If you require further assistance, please contact our Customer Advocacy Coordinator, CathyD***, at ###-###-#### or by email at ***Sincerely,Jennifer C***
If Nationwide did not put all the legalese in your communications I probably would have seen the rate increase. Nothing further need be said. *** ***
The member’s wife filed a claim on their homeowners insurance policy on 9/30/for water damage from recent rains. Mrs*** *** 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. *** *** *** was dispatched to begin drying out the structure and removed damaged interior items. Heavy rains continued in this area for several days. *** *** *** 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 *** *** *** to continue repairs and asked for a field inspection on 10/14/15. A complaint was filed with the Revdex.com on 10/14/15, claiming *** *** *** 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***, 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***
*** *** ***
Thank you for your recent inquiry regarding a complaint you received from our insured *** ***. We strive to provide quality service while conforming to the expectations of our customer and all regulations.
Ms*** had a water loss on March 22, 2015.
The water escaped from a pipe in a chase wall on an exterior bathroom. The water leaked down from the upstairs chase wall down into the living and dining area below requiring repair to the walls, ceiling and floor. A containment area was created to limit dust and disturbance to the other areas of the home during the drying and remediation process. On 4/30/Ms*** called our Customer Advocacy Center and stated she was unhappy that she was not placed in a hotel during her repair process and also that she was unhappy with the restoration company because they had not placed all her belongings back in the proper locations in the home. I notified the restoration company who responded and moved the contents into the areas she requested and we also discussed the considerations for additional living accommodations. I explained that while she does have coverage for ALE it was not initiated because the damages were limited to areas of the home that could be contained to prevent as much disturbance as possibleI spoke with her and explained that ALE (Additional Living Expenses) is cost incurred. In her situation as explained, she did not need nor was required to stay in a hotel and the cost was not incurred. No payment can be made since no cost was incurred
I also apologized for any inconvenience that the loss and repairs caused her and for the issues with the general contractor who needed to return to properly move articles to her desired areas of the home.
Ms*** commented of a fall that was documented in her complaint to have occurred on May 5th. The fall was never reported to Nationwide but rather to the contractor, *** ***, following the completion of the restoration. The work was completed and a final walkthrough was held on 4/21/15. After the completion of the work Ms*** contacted the contractor and said she had tripped on the new carpet. It was determined that there was no installation issues with the new carpet but possibly tripped because the carpet was new.
I will include a copy of the estimate and photos in this response. If there are any additional questions or concerns please feel free to call my office at ###-###-####
Sincerely,
Warren Y***
*** ***
***Nationwide has reviewed the concerns filed by Ms*** regarding the Auto policy,*** *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*** 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.***, as the $premium that was charged was valid.If you require further assistance, please contact me, Angela S*** at ###-###-#### or by email at***Sincerely,George K***
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 *** *** ***l with an estimate that was significantly higher than our estimateAt that time
*** *** ***l went back out to the property and did a re-inspection*** *** ***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,*** *** ***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.*** *** ***l is in the process of scheduling a time for the Complainant and a *** *** ***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 ***Sincerely,Adam A***Casualty Claims Manage
Good afternoon,I am writing in response to the complaint number referenced above.In researching the accounts, I found that the complainant has had two closed Home Equity lines ofCredit with Nationwide Bank.On today's date, we overnighted the Satisfaction of Mortgage documents to the county in which
theproperty is located for each of the two lines of creditWe also emailed the complainant copies of thesame documents and provided the FedEx tracking number for the package that is being sent to thecounty of residence for the complainant.I have spoken with the complainant multiple times and kept her aware of the progress in the resolutionof her concerns.We consider this matter resolvedPlease feel free to let me know if there are further questions orconcerns.Sincerely,
Thank you for contacting Nationwide concerning Ms***’s auto policy coverage and recent claimSarah S*** from our Agency Support Unit has investigated the loss and has advised Ms*** of her findingsNotes on the policy, placed there by the agent on December 14, 2015, state that she
wanted to remove comprehensive and collision from the vehicle on that date , and that she would contact the company at her renewal on January 16, if she wanted to add the coverage backA declarations page was also sent to Ms*** on December 16, to confirm her coverage selectionUnfortunately there is no documentation indicating that she made the request to place that coverage back on the Nissan prior to the loss on January 16, As such, all of our documentation indicates that the coverage was removed per her request, and not in errorAs there is no error at this time, we are not able to recommend that the coverage be placed on the Nissan for the underlying lossOn behalf of Nationwide, I apologize if the service she received didn't meet her expectations and for any inconvenience it may have caused
Dear Ms.***I am writing in response to your concerns regarding your closed auto loan with Nationwide Bank.I am very sorry to hear that you have had so much difficulty in attempting to payoff and close yourNationwide Bank auto loan.I am in the process of working with a supervisor in our Bank
Operations area to ensure that this loan isreflecting paid in fullI also want to be able to confirm that this is not going to have a negative impact onyour credit.Again, I apologize for the frustration you have experiencedI hope that we can come to a resolution foryou in the coming days, I will provide a follow up with a final resolution once this matter has beencompletely resolvedIf there are any questions in the interim, please feel free to give me a call.Sincerely,Sara H*** ** *** ***Nationwide Bank###-###-####
They are not being truthfulIn that "conversation" with *** *** refunds that the company owes were also discussedI have all the info available and will fax as soon as I get homeWe have the original nexus Lexus report from when I joined on my own policy in may I am not a new person added to nationwideAt this time a nexus lexis report was sent that *** attached in an email which I will forward, that clearly has the may 14th incidentAt the bottom of the attachement you will see noted the print date of that report I am unable to attach the email so I will forward it.
Regards, *** ***
Thank you for the opportunity to respond to the Ohio Revdex.com regarding policy number ***for *** *** and to address her concerns about the policy.On 5/27/2015, Ms*** purchased a six-month personal auto insurance policy from American HeritageIns Brokers Inc with a
bill plan of 16.7% down and installments with an Electronic Funds Transfer (EFT) autodraft.On 10/12/2017, Ms*** was mailed, to the address on file, a Notice of Installment Due for $to bedue 10/27/2017.On 10/27/2017, no payment had been received and Cancellation/Notice of Payment was mailed to Ms.***This notice advised if no payment was received prior to 11/9/2017, the policy would cancel for nonpaymentof premium.On 11/9/2017, no payment had been received and Ms***’s policy cancelled per the above mentionednotice.On 1/8/2018, Ms*** contacted the member service center regarding the $collections balance.The member service representative advised the last installment bill was not paid and the balance was forcoverage provided until the 11/9/cancellationMs*** was asked if other insurance was obtainedprior to this date to which she responded her new policy started in December.As of 3/13/2018, a balance of $remains due for days of coverage provided from 5/27/untilcancellation 11/9/Ms*** indicated in her complaint that the last bill was paid, the company hasno record of a payment for the 10/27/billThe following are the payments received on Ms***’spolicy for the 5/27/to 11/27/term: 5/27/2017- $99.63, 6/17/2017- $74.47, 7/24/2017- $180.72,8/28/2017- $180.72, and 9/26/2017-$If Ms*** provides proof of this payment, the company willresearch to determine the best resolution.If you require further assistance in this matter, please contact Barb D*** at ###-###-#### or by email at***@nationwide.com.Sincerely,Dana P***Sales Manager- Non- Standard Auto
I cannot thank you enough for all the help given to me during this my trying period I am sure if not for Revdex.com Dispute Resolution Team the company National Casualty Company would not have treated me wellThe lady was so arrogant anytime she speaks with meShe is not very nice/polite at allHowever, I am grateful for your helpI have taken the car for the 2nd opinion, and will take the car in to the shop on the 16th of January as that is the available spaceI will come up with the balance and fix my car as I do not want this to go in to the New Year I thank you greatly for all that you do, and you may pelase close the case now.Thanks a billion.I am indeed very grateful.Sincerely,*** ***
We are in receipt of your correspondence dated January 18, concerning our former policyholder, and the final balance owed on his cancelled property policyI would be happy to respond to the policyholder’s concerns on behalf of the company. On September 8, 2016, a billing
statement generated for a total payment due of $This included an amount due of $for the auto policy, ***This amount due was the final payment of the prior term that was effective April 1, through October 1, The total payment of $was received on September 28, 2016. On October 10, 2016, a billing statement generated for a total payment due of $This included an amount due of $for the auto policyThis amount due was the first payment of the policy renewal term that carried policy effective dates of October 1, through April 1, 2017. Mr*** requested the cancellation of all policies effective October 29, The final balance owed of $is for coverage provided for the auto policy from October 1, through October 29, 2016. This balance is showing owed on the property policy, ***, as this policy was the last active policy on the billing account. If you require further assistance, please contact our Customer Relations Coordinator, Joey L***, at ###-###-#### or by email at *** Sincerely, Tara P***
We are in receipt of your request for information regarding the above referenced fileMs*** states that she did not give authorization for our agent to start a policy for her petShe is requesting a full refund for premium collected from her paycheck.Ms*** applied for the Major Medical
*Director of Operations
Plan with a $annual deductible and a Pet Wellness Basic Rider for her dog *** on December 8, The application was approved with an effective date of January 1, 2016.On January 19, Ms*** called our Customer Care department and said she had been enrolled without her consentHer policy was cancelled effective that day and a cancellation letter was sent on January 20, We issued a refund of unearned premium in the amount of $on April 23, Another refund of unearned premium was issued on July 10, in the amount of $18.38.Ms*** stated in her complaint that she never received the refund issued in April for $We issued a refund check on April 23, which was cashed on May 16, We have included a copy of the cashed check in our supporting documents.We have reviewed the enrollment call from December 8, Our agent was transparent on the enrollment process and was granted authorization by Ms*** at multiple points during the callHowever, in order to fully resolve this matter and because Ms*** did not use the policy, we have made the decision to cancel the policy back to the effective date and issue a full premium refundShe will receive a refund of $under a separate cover.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Joey Lopez, at or via email at [email protected],Julia S