This
letter is in response to the inquiry received from your office on January 25,
The
Nationwide Affinity Member, reported a
claim for a mysterious disappearance of
their wedding ring set on November 29, The member was contacted on
November 29, and an investigation into the loss as well as the replacement
value of the wedding ring set was started
On
January 8, 2016, the investigation had been completed and the replacement cost
of the wedding ring set was supplied to Nationwide by Replacement Services, an
independent third party, who specializes in replacement jewelry for the
insurance industry as well as other clients
The
wedding ring set had been insured for $10,by the Nationwide MemberReplacement
Services had reviewed the original appraisal of the wedding ring set, and
advised Nationwide, they could replace the wedding ring set for $7,This
pricing was related to the Member, who disagreed with these findings
The
claim was escalated to a Claims Manager on January 8, The Claims Manager
spoke with the member and had the member forward several estimates they had
obtained on the replacement of the ring set, as well as requesting Replacement
Services speak with the Members jewelerThe Members, jeweler, agreed they
could replace the wedding ring set for the quote supplied by Replacement
ServicesA check was sent to the member on January 15, 2016, on the agreed
replacement cost with the Members Jeweler
On
January 19, 2016, The Director of the Property Team, spoke with the Nationwide
Member, and agreed to pay the balance of the original quote of the Member’s
Jeweler, due to the fact the ring set was custom built by the jeweler for our
MemberThe Member agreed with this course of action A supplemental check was issued to the Member
on January 19, The checks issued to the Member are for the quoted
replacement price supplied by the Member’s jeweler including tax, which total
$8,
We
regret the time it took to resolve our Member’s claim, due to the investigation
as well as the research into the replacement of the wedding ring setThe
Member has been indemnified in whole for the replacement of their wedding ring
set, by the Jeweler of their choice as of this writing
If you
require further assistance in this matter, please contact our *** *** ***, Gerrie H***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Brian
R***
*** *** *** *** ***
In reference to the unverified chat log, it is more of a he say, she say scenarioIf we indeed go by what was stated to be said on the chat log, you can easily notice how adding ***(ex wife), on the policy was recommended by ***, and not requested by ***(customer)In addition, this does not match up to original agreement & no further acknowledgment has been confirmed by *** about the change in amountYou cannot bill a change of amount without an agreement or acknowledgement on the stated amountIt goes both ways, per what's being said, you couldn't exclude a driver without a signature(Although sister company was able to)The change in amount without an agreed upon total, and a removal of discounts ultimately proves this agreement to be not valid
It was not clear that the underwriter would approve or deny such a request that *** recommended*** (customer) can't be held liable to understanding verbiage used for certain policy holder as *** doesn't have education in the insurance fieldThis proves that without an actual amount, or agreement stating any changesThere was no other agreement agreed upon thereafter
In summary the $stated to be owed is an amount made up by the businessPer chatlog "Nationwide Underwriting approved the reversal of the policy, and rating of Ms*** as a principal driver based on MrB***’s comments aboveOn April 2, 2015, our Member Care Representative contacted Mr*** times to inform him that his policy had been activated without a lapse in coverage, and Ms*** was rated as a principal driverThe Representative was unable to reach MrB*** or leave a voicemail as it was fullAnother attempt was made to contact Mr*** on April 3, with the same result."
It is proven that ***(customer) wasn't aware of any changes in price of policy
Request: I would like for Nationwide, in good faith, to do what's right and Aadjust the amount of to the original agreed upon premium amount, or Bcancel all amounts due/owed to Nationwide Insas it's evident there was no clear communication and confirmation on any increases
Thanks,
Regards,
*** ***
As I've stated in my previous rejections the total premium (paid in full) for Oct 23, thru Oct 23, was $2759.32. Due to nationwide error (square footage increase that we didn't have) the policy increased to $When the square footage was FINALLY corrected (because I was so persistent) the premium was brought down to $2982.46. The difference from the contract date to the renewal date was $not $1505.57. The $was not a partial payment. It was the premium paid in full for the year UNLESS there was a REASON for increase. I didn't make any changes/additions to my home to increase the premium from $2759.32. Refer to the declaration I sent from Nationwide dated Aug 25,showing the premium of $for the dates of Oct 23,thru Oct 23, so where did the $come from? I have never received that declaration for $3524.11. I did receive the declaration dated Sept23, for the renewal premium of $3134.21. Why is the premium for the 2015/year less than the $premium for 2014/year? I'm sorry but none of your responses are acceptable. There should not have been an increase. The increase for the additional $was unfounded hence the premium being brought back down to $for the 2014/year. My agent *** *** assured me that the premium that I paid in full for the year was not a partial payment and he could not find a reason why it increased $1505.57. Last, (document sent from *** ***) if Nationwide already received $for the 2014/year why did Nationwide bill *** again on July 20, for an additional $asking for a partial payment of $for policy period Nov 10, thru Nov 10, 2015? That's a total of $for one year of insurance for my modest house that we purchased as a "project" for $147,000. How can you expect me to accept your answers when it would have continued if *** didn't refuse to pay the $when nationwide billed days after receiving $1505.57? I don't trust your answers or Nationwide. I still believe Nationwide owes me money. After the mistake was corrected I only owed $which I would have gladly paid. So Nationwide can't justify keeping $when at the same time you admit to the error by bringing the premium back down to $2982.46. Then billing for the 2015/year for $3134.21.
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***We have a policy not to share any information which is not our fault for collision due to other insured fault.We also are aware of the sticker problem however the new sticker is bubbling up and was not put on correctly which this body shop nor the insurance has backed as promised. We consider time and aggravation from repeated attempts to rectify the situation inadequate
This letter is in response to the additional information Ms*** is requesting in regards to the$increase in the monthly payment.When policies are not set up on Electronic Funds Transfer, a $monthly installment fee appliesInthe state of Maryland, an installment fee is not applied to the first bill of a renewal term but is added toany subsequent billing invoices.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***###-###-#### or ***Sincerely,Meg M***
I reviewed the response made by the business in reference to complaint ID 12100896, and find the resolution is UNsatisfactory to meI will create a new case later if needed once I complete my treatmentThis has because a battle of back and forth and giving me such an headache and heart acheBut, Right now to keep my mental sanity I need to understand that they are not willing to working with me and doesnt care that I am their customer as well
Kindly allow this letter to represent the *** Insurance Company (“***”) response to a complaint dated August 26, on behalf of *** ***We understand you have identified that complaint as Complaint Number 10783102, as captioned above.*** wishes to first inform you
that it has no knowledge of *** *** or how precisely Ms*** may have interest in the loss notice that *** received relative to the incident that took place on the insured premises on October 11, 2014.*** had sold a general liability policy to *** *** that was in force on October 11, The policy provides liability insurance coverage for accidents on and about the premisesMr*** is in the residential property business doing business in the Eugene, Oregon, area, as “Synthesis”While Mr***, as land owner, owes certain legal duties to tenants and their guests, the circumstances surrounding this incident, as explained below, do not suggest that Mr*** would have liability exposure to either his tenant, *** ** *** II (“***”), or ***’s guest, *** *** (“***”)Without such liability, *** would not owe moneys under its liability policy sold to Mr***.*** received a loss notice relative to the incident and its investigation revealed that ***, a tenant at the insured location for over two years, was hosting his girlfriend, ***, on the date of the incident*** and *** had elected to step outside onto the porch having both consumed around to beers that were then chased by around shots of cinnamon whiskey by the both of them, all prior to the incidentDuring the *** investigation, *** informed the investigator that, while on the outdoor porch, he had fallen off the porch after he and *** had consumed the beer and whiskeyHis memory was very limited, likely stemming from the fact that he was inebriated at the time of the incidentEither the fall, or possibly his impairment from intoxication, caused *** to lose consciousness for an unknown period of timeWhen *** came around some time later, he realized that ***, who was presumably also unconscious, was atop him suggesting that she, like ***, may have also fallen in a similar fashionBoth *** and *** were then transported to an emergency room with *** having sustained a laceration about the head and a broken toe while *** had sustained fractured ribs, a punctured lung, a fractured clavicle and a concussion.*** advised the *** investigator that both he and *** were very familiar with the outdoor porch from where apparently they both fell as they had on numerous prior times smoked cigarettes while outside on this very same porchAgain, *** had been a tenant with Mr*** at this location for over two yearsThere was no evidence that the porch was anything other than stable and completely in tactSimilarly, the property manager for this location also advised the *** investigator that there is no history of individuals falling from the porch in this or any other manner.***, through its independent investigator, made contact with *** but she refused to meet with or provide any information to the investigator.*** later advised the *** investigator that he would not be pursuing a claim against the *** policyholder, Mr***.As *** never cooperated in the *** investigation causing *** to believe *** was not making claim, and with *** having advised *** that he would not be making claim against Mr***, *** closed its claim file.*** stands ready to handle any claim that either *** or *** may choose to pursue against Mr*** however the circumstances surrounding this incident hardly suggest that Mr*** is liable for the injuries that either *** or *** sustained.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at ***@nationwide.com
Thank you for the opportunity to respond to the Revdex.com regarding policy number*** for *** *** and to address her concerns about the policy.Per Ms***s request, the payment notice has been mailed to the address on file.If you require further assistance in this matter, please contact *** *** *** *** LanceR*** ###-###-#### or by email at ***Sincerely, Evan H***
To whom it may concern:I do not have a police reportI called the police the next day and they said to file an FR-since there were no injuriesI have submitted the FR-that I filed.*** ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***In reference to the comments *** *** *** has stated to the Revdex.com, I refute the information in which she states, they reached out to me immediately when they discovered the problemI am who immediately after going through a major embarrassment trying to use my debit card attached to the account in which Nationwide's checks were returned, called Nationwide and demanded rectification of the bad checks I have received the replacement check funds and the returned check fees, however, there are two $each fees caused by my bank paying out on pre-authorized paymentsBut because of Nationwide's check error, there were no funds available at the time. I have enclosed copy of my bank transactions detailing the two $fees after the Nationwide's checks were returnedOne was on 07/22/16Service ChargeFEE-NSF PAID ACH T*** *** *** PAY$-37.00$-278.14 the second one was on07/25/16Service ChargeFEE-NSF PAID ACH *** *** STRSCHG PYMT$-37.00$1,435.82for a check paid out on 07/22/
Regards,
*** ***
This is in response to your inquiry dated January regarding *** ***I spoke to my associate who handled the policyholder’s requestThe summary of theirconversation was to add GAP coverage to the Chevrolet SilveradoThere was nodiscussion of the coverage details, nor did the
member ask for any detailsShe was not toldthat the GAP insurance would cover the full amount of the loan and specifics were notdiscussedA declaration page, which was sent to the policyholder, with the endorsement isattached for your referenceThis coverage was requested approximately months followingthe placement of insurance on this vehicle.The reference to the statement that she was sold the wrong GAP coverage and we sell differenttypes of GAP coverage is incorrectNationwide sells GAP coverage under two differentendorsements, however, the GAP coverage is exactly the same on either endorsement.If you require further assistance, please contact our Customer Relations Coordinator,*** ***, at ###-###-#### or by email at ***Sincerely,James B***
Our office spoke to this policyholder on December 1, She informed us she was the owner of the vehicle on policy #***(No, I actually called because I spoke with somebody prior to that day who gave me a quote for a policy in just my name, and she advised me that she would refer my quote to the local agent and provided me with contact infoNationwide was advised I, *** ***, was the owner of the Cadillac the day it was added in 2012)We wrote a spinoff policy December 2, with *** *** as the named insured and the two drivers on the policy were *** and her mother ***The Application is in Docu Vault but it is unsignedThe application was sent to her by email in December of and again in May of (This is not trueThe application was sent to me for the first time in May I never received a copy of the application prior to that, definitely not in December When I spoke with *** *** I asked him why I never receive it in December and he advised me “It must have got stuck in my outbox and was never sent” and that is verbatimThe policy was written correctly but sometimes we spinoff policy, the named insured while in processing at nationwide switches back to the named insured on the prior policy(If this was the case then how come my name was left off the policy as a driver when it was rewritten or the “spinoff” was made? Because *** *** was listed a policy holder AND the only driver on the policy until I had to call back to add myself) While in Nationwide processing the new policy was placed back in her mother’s nameWe are able to correct this but would need the signed applicationMs*** has still not signed the application to correct the named insured error(This is because I cannot sign something I do not agree to, and Nationwide/*** *** will not correct the errors)Our system reflects that on December 1, the policy was bound in *** ***’s nameI have already mentioned this to Nationwide because we have seen this error beforeNationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy)(Is this spinoff policy mandatory when someone is leaving a parents policy or is this something that is done to make it easier for the agency to process and the reason I ask is because I requested my mother’s policy be cancelled (which she agreed to) and a NEW policy be opened in my name.) The address on both of these policies is the sameAll Declaration Pages have been sent to the *** *** addressI feel Ms*** is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident(This is 100% true, there were several errors made by Mr*** *** and leaving rental coverage off was one of themI feel he didn’t pay attention to my needs as a customer and instead made it easy for himself and completed the “spinoff”policy and matches coverage on my mother’s previous policyWhen I asked for my own policy, a new policy, I asked for rental coverage.) We only need the signed application returned to us in order to place *** *** as the named insured on the policy(When I spoke with *** *** he advised me that they would not cover my claim for my accident if I did not sign the application and practically begged me to sign the application and back-date the application to December 2nd I feel he did this to try to cover his own behindNationwide still covered my claim with no issueWhen I asked him why the error had not been fixed since it was a system error and I actually and truly am the policy holder, he responded “I don’t know ***”At that time I was responded “well it seems like you don’t know much” the reason I responded that way was because none of my questions were being answered and I personally felt like I was being lied to and deceived in order for him to cover up his own mistakesMs*** has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a CadillacShe replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicle(No, the Audi did not replace the Cadillac, the Audi was added in addition to the Cadillac, and at this time I asked for Nationwide to match the coverage to my Cadillac because I was under the impressions that Mr*** *** had performed his job properly and added the appropriate coverage that I requestedShe never had rental coverage on the prior policy *** and it was not put on the new spinoff policy ***(Correct, I did not have rental coverage previously on the Cadillac when the policy was in my mother’s name, but at the time of the “spinoff” when I asked for a new policy I requested rental coverage, so Mr*** *** is absolutely rightRental coverage was not put on the new “spinoff” policy because Mr*** *** failed to do so after it was requestedThere were never any notes or questions about rental coverage(This is because all the notes are from Mr*** *** and he did not add what I requested and just processed a “spinoff’ and called it a nightI remember the day it was done because I was working the night shift, so it was later in the evening and he seemed to be in a rush because he wanted to get out of the office.) Ms*** has received all Declaration Pages and no rental coverage is listed(The coverage would not be listed because it was never added, and these Declarations were addressed to my mother, *** ***, there is no telling what she does with her mail.) No communication was made with our office after the conversation on December 1, when her spinoff policy was made effectiveMs*** has no documentation where she requested this coverage that I am aware of(No, I do not have any documentation where I requested the coverage, how could I? Any documents that I have are from Nationwide or *** Agency and they are full of errorsAlso, I actually did have to call back but I did not speak with the local agency I spoke with NationwideI called them because I noticed the policy was in ***’s name and I called to advise then of the error and they advised me because I was or under and at the same address of my mother then they could just add me as a diver and I would be coveredThe whole reason for me to switch the policy was because of the pricePrior I was paying around $a month, but when I was quoted for a policy in my name alone it was around $So, at the time I spoke with Nationwide to avoid further confusion and having to go through the quote process and having the policy rewritten again the agency and I agreed to leave it as is so long as I was coveredThe agent wanted to make it “easy for me”Had I known that this would have come back to bite me in the butt I would not have taken advice from a representative of the company, a skilled and trained Nationwide agent, and I would have had the error corrected.)
To Whom It May Concern:
Below is my response to Mr***’s reply to our letterWe did notify the member that his premium could increase if the policy forms were not returned back to usWe sent him a notice along with his initial application advising this. On this letter it notified the member that, “We are currently processing your insurance requestTo complete the processing of your policy, please review, electronically sign and submit the following forms and/or documentation within days to avoid possible premium increases or cancellation of your policy.” Please see attached letter
We advised him at that time that there could be a premium increase if the forms were not returned back to us. As explained in our original letter we made several attempts to reach out to the member in trying to receive the state mandated formsMr*** owes the additional premium for the coverage defaulting from June 15, until the date he signed the state mandated forms, August 17, in the amount of $plus the $installment fee
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####
On 01/12/2017, Ms*** *** and Mr*** *** *** received an auto insurance quote from the ***Insurance Group IncAgency, for a Titan Indemnity Company DBA Nationwide Insurance CompanyThisquote listed both *** *** and *** *** *** 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*** *** 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*** listed as arated driver as Mr*** did not yet have an American drivers’ license. *** *** *** REPLY: This is totally a lie, the fact is: From the very beginning to ask for a quote on Jan 11th 2017, I provided all the needed information of us(Mr*** *** *** and Ms*** ***) to *** *** of *** *** ***the agent of Nationwide; and clearly told *** *** that we were currently with *** *** (Policy number ***),and were seeking for an Insurance Policy that is more price competitiveThen I got quote of $3,from *** for both of us two with two cars included in the policyThen on Jan 13th I wrote Email to *** *** officially confirmed that I accepted the offer and wanted her go on with needed procedure to take it effectiveOn Jan 16th I received call from *** saying that only my wife ( Ms*** ***) can be listed into the policy at that time, I (*** *** ***) temporarily can not be listed into the policy, because my wife had already had the U.Sdriving license, but I did not have yet*** told us that the price for my wife only will be $2,488.74, and once I get the Learner Permit from North Carolina DMV, my name can be added into the policy with the quoted price $3,002.38.I felt some weird as I did provide to *** all the needed information to prepare the quote at the beginning on Jan 11th, only untill this time she told me that I can not be insured in the policy; and we did have my name listed in the previous policy with *** ***(both my wife and I had many years of driving experience before we came to U.S.)But we have to accept it; Then they asked me to pay at once, $was taken by Nationwide that same day on Jan16th, So saying"On 01/17/2017, Ms*** *** decided to purchase a policy and OPTED to pay the full premium of $2,as a ‘paid in full’ bill option." is absolute misleading: we absolutely want to have two people included into the policy, and told *** clearly from the very beginning, we ARE OBLIGED AND HAVE TO accept to pay $2,for *** ***'s name only in the policy, UNDER THE CONDITION THAT: *** promised several times to us that, once *** *** *** have the North Carolina Learner Permit, then *** *** ***'s name can be added into the policy, and the total price for the two people and two car will be $3,002.38; and once *** *** *** have Driver's License of North Carolina, there will be additional discount applied.We say we HAVE TO do so becuase,Although I provided *** all the needed information to prepare an insurance policy from the beginning on Jan 11th, and told her that we accept her offered price $3,and decided to purchase from her on Jan 13th,She did not tell me that *** *** ***'s name can not be listed into the policy untill Jan 16thAt that time we had already told other potential Insurance provideds that we are sorry not able to choose themAnd on Jan 17th we will have to pick up the second car, without Insurance it will be illegal to pick up the car.If *** could tell us that *** *** *** can not be included into the policy, we will for sure NOT choose premium from herWe do have both *** *** *** and *** ***'s name in the previous policy with *** ***(Policy number 2***)We chose to leave *** *** and go with *** ***/Nationwide because they offered a competive priceTo change the policy we even have to face early cancellation penalty from *** ***With the price $3,002.38, we are willing to do so because it is still good for us, but with the price after"adjustment" $3,674.73, the price is even higher than the price that *** *** offered to us for two people and two carSo why we would choose Nationwide if the price is $3,674.73, and bear the cancellation fee from *** ***??I sent to *** my Learner Permit on Jan 18th and asked my name to be added into the policyAnd sent her my North Carolina Driver's License on Feb 16th,Please confirm with *** *** of *** *** ***for the detail, she can be reached at: phone: ###-###-####, Email:*** After the policy was bound and during 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”) *** *** *** REPLY: My situation is quite same as my wife, Ms *** ***We both have many year's driving experience outside U.S., and got U.Sdriver's license recentlySo why under the "appropiate corrections", the price for Ms *** *** will go down, but the price for Mr*** *** *** will go up so much, which lead to the total price for ***g *** and *** *** *** rise so much?? On 01/19/2017, *** from *** Insurance, contacted our service center to change driver #2; spouse:*** ***, to a rated driver effective 01/19/2017, since Mr*** had obtained his American drivers’licenseThis increased the total term premium in the amount of $1,224.22.The 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 *** *** and*** *** *** 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.” *** *** *** REPLY: A quote, written on a Corporation Letter head, is an official offer to customeronce customer accpet the quoted price, the most important and fundamental part of a contract is establishedFor example, in the case of our previous policy with *** ***, the quoted price is exactly the same as the price that we were later charged.When I contacted ***, I told her clearly that I want a price-competitive quote; if price is not good, We would rather stay with the current policy with *** ***I chose premium from *** because the price $3,is ok; if the price is really $3,674.73, we would stay with the original policy at *** ***, becuase $3,is higher than the price *** *** offered for us two people and two car, why should we take this price, and bear the early cancellation penalty from *** ***?And on Jan 16th when *** told us that only *** ***'s name can be listed into the policy and asked us to pay $2,488.74, we questioned her: Why *** *** ***'s name can not be in the policy? why we provided all the needed information to prepare quote from the beginning, and got quote for us two people,but it is only that time she told us this change? why we should change from a policy that both our name can be listed, to a policy that only *** ***'s name can be listed? *** repeatedly promised to us: once *** *** *** get Leraner Permit of North Carolina, his name can be added into the policy , total price for two people and two car will remain $3,And once *** *** *** get Driver License of North Carolina, additional discount will be applied(exact number will be calculated later)With that promise we go on to sign the contract, and paid $2,in full payment the same day on Jan 16thThen I go on to have my Learner Permit quick on Jan 18th and sent a copy to ***, but then received a bill from Nationwide priced $3,674.73!!When I questioned *** why she lied to us, she explained to us: all the quotes and decisions are made by *** of Nationwide(Please note: Ms*** ** ***, as one person, sometimes sent us email under name of *** Insurance with email address ***, and sometimes under the name of Nationwide, with email address ***, not know the reason)*** said: although she also believe it is NOT reasonable to "adjust" the price, but as *** is the people in Nationwide that supervise their business, they *** *** actually have no way to help meThen I got a call from MrSteve Niu, the boss of *** ***, saying that they are really suffering from these kind of wrongdoing and ridiculous behaviors of Nationwide, and to prevent these kind of issues happening again to them, they had decided to stop the cooperation relationship/dealership with Nationwide.I would not made a complaint here against Nationwide, if, when they provided the quote, just simply mention that: "quoted price could be adjusted after credit check, the price could rise ", I will consider all the factors before made the decision to change policyIf I am informed all the needed information, then I will take all the responsibility of the decisionBut unfortunately, it is not the case hereYes there is a note in the quote "all premium quoted subject to verification of information", I will take full responsibility if the information I provided is not good after verificationBut how can Insurance corporation raise price just using this term as an excuse?? They have all the related information from the very beginning, and then use a reasonable price to attract customer, and then charge a lot more with this excuse! If we tolerate this kind of behavior , it is undermining the basis of our society rule--integrety!!And actually even the price $3,is not low--When *** sent me the quote with price $3,002.38, she specially mentioned"Yes this price is relatively high, because you(Mr*** *** ***) have not got your U.Sdriver's license yet", (I am sending this email for your reference, *** wrote this in Chinese, but with translation software/Google you can see these words)And there is a minor issue: *** said that Nationwide adjusted the price to $3,660.33, and the bill of Nationwide says $3,674.73, could they please send a number to custmer with some professinal attitude?What I see here is totaly cheating and misleadingSomeone, instead of us(the sufferer), should take the responsiblity!!
I am writing in response to the complaint referenced aboveIn his complaint, Mr*** advises thatthe Annual Percentage Rate (APR) on his automobile loan with Nationwide Bank was wronglyincreased to 24.99%Additionally, he references dissatisfactory customer service on the part of theNationwide
Bank Titles team.Regarding the forms provided to Nationwide Bank by Mr***, we received the forms necessary toadd Nationwide Bank as a lienholder to the title, however, we did not receive a titleBecauseNationwide Bank was not listed as lienholder by the dealership, we are unable to request a duplicatetitleThat action must be initiated by Mr***.We have spoken with Mr*** and discussed the steps necessary to obtain a duplicate title, and haveNationwide Bank shown as lienholder on the titleMr*** has agreed to request a duplicate title withthe New York DMVAs a gesture of good faith, we agreed to restore his APR to the originally approvedrate of 3.25%.The APR on Mr***'s loan was adjusted to 24.99% on November 7, and adjusted back to theapproved APR of 3.25% on January 10, As stated, Mr*** has been making his scheduledpayments of $per monthOn December 14, 2017, an additional payment was posted to theaccount in the amount of $That amount is being refunded to Mr*** in the form of a checksent via overnight delivery to the address shown below, no later than January 17, Additionally, acheck is being mailed to Mr*** to pay for a duplicate title in the state of New York.Once Mr*** receives that check, we have offered an extension of thirty days at the approved APRto allow time to receive the completed titleWhen Mr*** submits a request for the title and lienfiling, he will provide documentation to Nationwide Bank confirming that actionAt that time, the thirty-dayclock will startAfter thirty days, if the title has not been received by Nationwide Bank, we will grantanother thirty-day extension at the approved APR, again, contingent upon action taken by Mr*** toobtain the title and lien filing.We recognize that this situation was a challenging one and we regret any perception of poor customerserviceMr*** should not have been advised to disregard our lettersPlease know that situation isbeing actively addressed.Please feel free to reach out to me directly, using the contact information shown below if I may be offurther assistance.Thank you,Anne LC***SrAnalystJMember Experience Teamc***[email protected]
The
policy for *** *** was renewed on February 12, for $1,174.62. The previous premium on her policy was
$786.12. There was a general rate
increase that was included in the renewal premiumThe member increased the
dwelling coverage by about $10,Due to
the recent claim, the “Claims Free
Discount” was also removed from the policyAll of these factors attributed to the
increased renewal premium
Please
accept my apologies if you feel that any representative treated you in a manner
that was less then professional
Please
do not hesitate to contact me, should you have any additional questions
Sincerely,
Carol
G***
*** *** ***
This letter is in response to the inquiry received from your office on April 4, 2018.This claim is for damage to Mr***s rental property due to bats in the atticMr***a has beenunwilling to allow us to inspect the damage and prepare an estimate of repairs.Since receipt of this complaint, we have been in communication with Mr***s agent, per his request.Through his agent, we have been advised that Mr***a is will meet with our independent adjuster onApril 20, or on April 18, We requested that our independent adjuster contact Mr***a toschedule the inspection on one of these dates and that the independent adjuster coordinate the date andtime of the inspection with Mr***’s bat expert.Once the inspection is complete, we will be able to move forward with the resolution of this claim.If you require further assistance in this matter, please contact our Customer Relations Coordinator, ErikkaK*** at ###-###-#### or by email at ***Sincerely,Teresa * M***
This
letter is in response to the inquiry received from your office on January 25,
The
Nationwide Affinity Member, reported a
claim for a mysterious disappearance of
their wedding ring set on November 29, The member was contacted on
November 29, and an investigation into the loss as well as the replacement
value of the wedding ring set was started
On
January 8, 2016, the investigation had been completed and the replacement cost
of the wedding ring set was supplied to Nationwide by Replacement Services, an
independent third party, who specializes in replacement jewelry for the
insurance industry as well as other clients
The
wedding ring set had been insured for $10,by the Nationwide MemberReplacement
Services had reviewed the original appraisal of the wedding ring set, and
advised Nationwide, they could replace the wedding ring set for $7,This
pricing was related to the Member, who disagreed with these findings
The
claim was escalated to a Claims Manager on January 8, The Claims Manager
spoke with the member and had the member forward several estimates they had
obtained on the replacement of the ring set, as well as requesting Replacement
Services speak with the Members jewelerThe Members, jeweler, agreed they
could replace the wedding ring set for the quote supplied by Replacement
ServicesA check was sent to the member on January 15, 2016, on the agreed
replacement cost with the Members Jeweler
On
January 19, 2016, The Director of the Property Team, spoke with the Nationwide
Member, and agreed to pay the balance of the original quote of the Member’s
Jeweler, due to the fact the ring set was custom built by the jeweler for our
MemberThe Member agreed with this course of action A supplemental check was issued to the Member
on January 19, The checks issued to the Member are for the quoted
replacement price supplied by the Member’s jeweler including tax, which total
$8,
We
regret the time it took to resolve our Member’s claim, due to the investigation
as well as the research into the replacement of the wedding ring setThe
Member has been indemnified in whole for the replacement of their wedding ring
set, by the Jeweler of their choice as of this writing
If you
require further assistance in this matter, please contact our *** *** ***, Gerrie H***, toll-free at ###-###-####, Ext*** or by email at ***
Sincerely,
Brian
R***
*** *** *** *** ***
In reference to the unverified chat log, it is more of a he say, she say scenarioIf we indeed go by what was stated to be said on the chat log, you can easily notice how adding ***(ex wife), on the policy was recommended by ***, and not requested by ***(customer)In addition, this does not match up to original agreement & no further acknowledgment has been confirmed by *** about the change in amountYou cannot bill a change of amount without an agreement or acknowledgement on the stated amountIt goes both ways, per what's being said, you couldn't exclude a driver without a signature(Although sister company was able to)The change in amount without an agreed upon total, and a removal of discounts ultimately proves this agreement to be not valid
It was not clear that the underwriter would approve or deny such a request that *** recommended*** (customer) can't be held liable to understanding verbiage used for certain policy holder as *** doesn't have education in the insurance fieldThis proves that without an actual amount, or agreement stating any changesThere was no other agreement agreed upon thereafter
In summary the $stated to be owed is an amount made up by the businessPer chatlog "Nationwide Underwriting approved the reversal of the policy, and rating of Ms*** as a principal driver based on MrB***’s comments aboveOn April 2, 2015, our Member Care Representative contacted Mr*** times to inform him that his policy had been activated without a lapse in coverage, and Ms*** was rated as a principal driverThe Representative was unable to reach MrB*** or leave a voicemail as it was fullAnother attempt was made to contact Mr*** on April 3, with the same result."
It is proven that ***(customer) wasn't aware of any changes in price of policy
Request: I would like for Nationwide, in good faith, to do what's right and Aadjust the amount of to the original agreed upon premium amount, or Bcancel all amounts due/owed to Nationwide Insas it's evident there was no clear communication and confirmation on any increases
Thanks,
Regards,
*** ***
As I've stated in my previous rejections the total premium (paid in full) for Oct 23, thru Oct 23, was $2759.32. Due to nationwide error (square footage increase that we didn't have) the policy increased to $When the square footage was FINALLY corrected (because I was so persistent) the premium was brought down to $2982.46. The difference from the contract date to the renewal date was $not $1505.57. The $was not a partial payment. It was the premium paid in full for the year UNLESS there was a REASON for increase. I didn't make any changes/additions to my home to increase the premium from $2759.32. Refer to the declaration I sent from Nationwide dated Aug 25,showing the premium of $for the dates of Oct 23,thru Oct 23, so where did the $come from? I have never received that declaration for $3524.11. I did receive the declaration dated Sept23, for the renewal premium of $3134.21. Why is the premium for the 2015/year less than the $premium for 2014/year? I'm sorry but none of your responses are acceptable. There should not have been an increase. The increase for the additional $was unfounded hence the premium being brought back down to $for the 2014/year. My agent *** *** assured me that the premium that I paid in full for the year was not a partial payment and he could not find a reason why it increased $1505.57. Last, (document sent from *** ***) if Nationwide already received $for the 2014/year why did Nationwide bill *** again on July 20, for an additional $asking for a partial payment of $for policy period Nov 10, thru Nov 10, 2015? That's a total of $for one year of insurance for my modest house that we purchased as a "project" for $147,000. How can you expect me to accept your answers when it would have continued if *** didn't refuse to pay the $when nationwide billed days after receiving $1505.57? I don't trust your answers or Nationwide. I still believe Nationwide owes me money. After the mistake was corrected I only owed $which I would have gladly paid. So Nationwide can't justify keeping $when at the same time you admit to the error by bringing the premium back down to $2982.46. Then billing for the 2015/year for $3134.21.
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards,
*** ***We have a policy not to share any information which is not our fault for collision due to other insured fault.We also are aware of the sticker problem however the new sticker is bubbling up and was not put on correctly which this body shop nor the insurance has backed as promised. We consider time and aggravation from repeated attempts to rectify the situation inadequate
This letter is in response to the additional information Ms*** is requesting in regards to the$increase in the monthly payment.When policies are not set up on Electronic Funds Transfer, a $monthly installment fee appliesInthe state of Maryland, an installment fee is not applied to the first bill of a renewal term but is added toany subsequent billing invoices.If you require further assistance, please contact our Customer Relations Coordinator, Dawn H***###-###-#### or ***Sincerely,Meg M***
I reviewed the response made by the business in reference to complaint ID 12100896, and find the resolution is UNsatisfactory to meI will create a new case later if needed once I complete my treatmentThis has because a battle of back and forth and giving me such an headache and heart acheBut, Right now to keep my mental sanity I need to understand that they are not willing to working with me and doesnt care that I am their customer as well
Kindly allow this letter to represent the *** Insurance Company (“***”) response to a complaint dated August 26, on behalf of *** ***We understand you have identified that complaint as Complaint Number 10783102, as captioned above.*** wishes to first inform you
that it has no knowledge of *** *** or how precisely Ms*** may have interest in the loss notice that *** received relative to the incident that took place on the insured premises on October 11, 2014.*** had sold a general liability policy to *** *** that was in force on October 11, The policy provides liability insurance coverage for accidents on and about the premisesMr*** is in the residential property business doing business in the Eugene, Oregon, area, as “Synthesis”While Mr***, as land owner, owes certain legal duties to tenants and their guests, the circumstances surrounding this incident, as explained below, do not suggest that Mr*** would have liability exposure to either his tenant, *** ** *** II (“***”), or ***’s guest, *** *** (“***”)Without such liability, *** would not owe moneys under its liability policy sold to Mr***.*** received a loss notice relative to the incident and its investigation revealed that ***, a tenant at the insured location for over two years, was hosting his girlfriend, ***, on the date of the incident*** and *** had elected to step outside onto the porch having both consumed around to beers that were then chased by around shots of cinnamon whiskey by the both of them, all prior to the incidentDuring the *** investigation, *** informed the investigator that, while on the outdoor porch, he had fallen off the porch after he and *** had consumed the beer and whiskeyHis memory was very limited, likely stemming from the fact that he was inebriated at the time of the incidentEither the fall, or possibly his impairment from intoxication, caused *** to lose consciousness for an unknown period of timeWhen *** came around some time later, he realized that ***, who was presumably also unconscious, was atop him suggesting that she, like ***, may have also fallen in a similar fashionBoth *** and *** were then transported to an emergency room with *** having sustained a laceration about the head and a broken toe while *** had sustained fractured ribs, a punctured lung, a fractured clavicle and a concussion.*** advised the *** investigator that both he and *** were very familiar with the outdoor porch from where apparently they both fell as they had on numerous prior times smoked cigarettes while outside on this very same porchAgain, *** had been a tenant with Mr*** at this location for over two yearsThere was no evidence that the porch was anything other than stable and completely in tactSimilarly, the property manager for this location also advised the *** investigator that there is no history of individuals falling from the porch in this or any other manner.***, through its independent investigator, made contact with *** but she refused to meet with or provide any information to the investigator.*** later advised the *** investigator that he would not be pursuing a claim against the *** policyholder, Mr***.As *** never cooperated in the *** investigation causing *** to believe *** was not making claim, and with *** having advised *** that he would not be making claim against Mr***, *** closed its claim file.*** stands ready to handle any claim that either *** or *** may choose to pursue against Mr*** however the circumstances surrounding this incident hardly suggest that Mr*** is liable for the injuries that either *** or *** sustained.Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at ***@nationwide.com
Thank you for the opportunity to respond to the Revdex.com regarding policy number*** for *** *** and to address her concerns about the policy.Per Ms***s request, the payment notice has been mailed to the address on file.If you require further assistance in this matter, please contact *** *** *** *** LanceR*** ###-###-#### or by email at ***Sincerely, Evan H***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
To whom it may concern:I do not have a police reportI called the police the next day and they said to file an FR-since there were no injuriesI have submitted the FR-that I filed.*** ***
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***In reference to the comments *** *** *** has stated to the Revdex.com, I refute the information in which she states, they reached out to me immediately when they discovered the problemI am who immediately after going through a major embarrassment trying to use my debit card attached to the account in which Nationwide's checks were returned, called Nationwide and demanded rectification of the bad checks I have received the replacement check funds and the returned check fees, however, there are two $each fees caused by my bank paying out on pre-authorized paymentsBut because of Nationwide's check error, there were no funds available at the time. I have enclosed copy of my bank transactions detailing the two $fees after the Nationwide's checks were returnedOne was on 07/22/16Service ChargeFEE-NSF PAID ACH T*** *** *** PAY$-37.00$-278.14 the second one was on07/25/16Service ChargeFEE-NSF PAID ACH *** *** STRSCHG PYMT$-37.00$1,435.82for a check paid out on 07/22/
Regards,
*** ***
This is in response to your inquiry dated January regarding *** ***I spoke to my associate who handled the policyholder’s requestThe summary of theirconversation was to add GAP coverage to the Chevrolet SilveradoThere was nodiscussion of the coverage details, nor did the
member ask for any detailsShe was not toldthat the GAP insurance would cover the full amount of the loan and specifics were notdiscussedA declaration page, which was sent to the policyholder, with the endorsement isattached for your referenceThis coverage was requested approximately months followingthe placement of insurance on this vehicle.The reference to the statement that she was sold the wrong GAP coverage and we sell differenttypes of GAP coverage is incorrectNationwide sells GAP coverage under two differentendorsements, however, the GAP coverage is exactly the same on either endorsement.If you require further assistance, please contact our Customer Relations Coordinator,*** ***, at ###-###-#### or by email at ***Sincerely,James B***
Our office spoke to this policyholder on December 1, She informed us she was the owner of the vehicle on policy #***(No, I actually called because I spoke with somebody prior to that day who gave me a quote for a policy in just my name, and she advised me that she would refer my quote to the local agent and provided me with contact infoNationwide was advised I, *** ***, was the owner of the Cadillac the day it was added in 2012)We wrote a spinoff policy December 2, with *** *** as the named insured and the two drivers on the policy were *** and her mother ***The Application is in Docu Vault but it is unsignedThe application was sent to her by email in December of and again in May of (This is not trueThe application was sent to me for the first time in May I never received a copy of the application prior to that, definitely not in December When I spoke with *** *** I asked him why I never receive it in December and he advised me “It must have got stuck in my outbox and was never sent” and that is verbatimThe policy was written correctly but sometimes we spinoff policy, the named insured while in processing at nationwide switches back to the named insured on the prior policy(If this was the case then how come my name was left off the policy as a driver when it was rewritten or the “spinoff” was made? Because *** *** was listed a policy holder AND the only driver on the policy until I had to call back to add myself) While in Nationwide processing the new policy was placed back in her mother’s nameWe are able to correct this but would need the signed applicationMs*** has still not signed the application to correct the named insured error(This is because I cannot sign something I do not agree to, and Nationwide/*** *** will not correct the errors)Our system reflects that on December 1, the policy was bound in *** ***’s nameI have already mentioned this to Nationwide because we have seen this error beforeNationwide is aware that this can happen when a spinoff policy is written (a spinoff policy is when a driver on a current policy is transferred to their own policy)(Is this spinoff policy mandatory when someone is leaving a parents policy or is this something that is done to make it easier for the agency to process and the reason I ask is because I requested my mother’s policy be cancelled (which she agreed to) and a NEW policy be opened in my name.) The address on both of these policies is the sameAll Declaration Pages have been sent to the *** *** addressI feel Ms*** is holding off signing the application because she wants Nationwide to pay the rental reimbursement for a rental car she had after her accident(This is 100% true, there were several errors made by Mr*** *** and leaving rental coverage off was one of themI feel he didn’t pay attention to my needs as a customer and instead made it easy for himself and completed the “spinoff”policy and matches coverage on my mother’s previous policyWhen I asked for my own policy, a new policy, I asked for rental coverage.) We only need the signed application returned to us in order to place *** *** as the named insured on the policy(When I spoke with *** *** he advised me that they would not cover my claim for my accident if I did not sign the application and practically begged me to sign the application and back-date the application to December 2nd I feel he did this to try to cover his own behindNationwide still covered my claim with no issueWhen I asked him why the error had not been fixed since it was a system error and I actually and truly am the policy holder, he responded “I don’t know ***”At that time I was responded “well it seems like you don’t know much” the reason I responded that way was because none of my questions were being answered and I personally felt like I was being lied to and deceived in order for him to cover up his own mistakesMs*** has spoken to Nationwide directly several times, the original vehicle on the prior policy and spinoff was a CadillacShe replaced that vehicle with an Audi and spoke to Nationwide directly to make that the replacement vehicle(No, the Audi did not replace the Cadillac, the Audi was added in addition to the Cadillac, and at this time I asked for Nationwide to match the coverage to my Cadillac because I was under the impressions that Mr*** *** had performed his job properly and added the appropriate coverage that I requestedShe never had rental coverage on the prior policy *** and it was not put on the new spinoff policy ***(Correct, I did not have rental coverage previously on the Cadillac when the policy was in my mother’s name, but at the time of the “spinoff” when I asked for a new policy I requested rental coverage, so Mr*** *** is absolutely rightRental coverage was not put on the new “spinoff” policy because Mr*** *** failed to do so after it was requestedThere were never any notes or questions about rental coverage(This is because all the notes are from Mr*** *** and he did not add what I requested and just processed a “spinoff’ and called it a nightI remember the day it was done because I was working the night shift, so it was later in the evening and he seemed to be in a rush because he wanted to get out of the office.) Ms*** has received all Declaration Pages and no rental coverage is listed(The coverage would not be listed because it was never added, and these Declarations were addressed to my mother, *** ***, there is no telling what she does with her mail.) No communication was made with our office after the conversation on December 1, when her spinoff policy was made effectiveMs*** has no documentation where she requested this coverage that I am aware of(No, I do not have any documentation where I requested the coverage, how could I? Any documents that I have are from Nationwide or *** Agency and they are full of errorsAlso, I actually did have to call back but I did not speak with the local agency I spoke with NationwideI called them because I noticed the policy was in ***’s name and I called to advise then of the error and they advised me because I was or under and at the same address of my mother then they could just add me as a diver and I would be coveredThe whole reason for me to switch the policy was because of the pricePrior I was paying around $a month, but when I was quoted for a policy in my name alone it was around $So, at the time I spoke with Nationwide to avoid further confusion and having to go through the quote process and having the policy rewritten again the agency and I agreed to leave it as is so long as I was coveredThe agent wanted to make it “easy for me”Had I known that this would have come back to bite me in the butt I would not have taken advice from a representative of the company, a skilled and trained Nationwide agent, and I would have had the error corrected.)
To Whom It May Concern:
Below is my response to Mr***’s reply to our letterWe did notify the member that his premium could increase if the policy forms were not returned back to usWe sent him a notice along with his initial application advising this. On this letter it notified the member that, “We are currently processing your insurance requestTo complete the processing of your policy, please review, electronically sign and submit the following forms and/or documentation within days to avoid possible premium increases or cancellation of your policy.” Please see attached letter
We advised him at that time that there could be a premium increase if the forms were not returned back to us. As explained in our original letter we made several attempts to reach out to the member in trying to receive the state mandated formsMr*** owes the additional premium for the coverage defaulting from June 15, until the date he signed the state mandated forms, August 17, in the amount of $plus the $installment fee
If you should have any other requests or questions regarding this matter, please contact me at ###-###-####
On 01/12/2017, Ms*** *** and Mr*** *** *** received an auto insurance quote from the ***Insurance Group IncAgency, for a Titan Indemnity Company DBA Nationwide Insurance CompanyThisquote listed both *** *** and *** *** *** 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*** *** 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*** listed as arated driver as Mr*** did not yet have an American drivers’ license. *** *** *** REPLY: This is totally a lie, the fact is: From the very beginning to ask for a quote on Jan 11th 2017, I provided all the needed information of us(Mr*** *** *** and Ms*** ***) to *** *** of *** *** ***the agent of Nationwide; and clearly told *** *** that we were currently with *** *** (Policy number ***),and were seeking for an Insurance Policy that is more price competitiveThen I got quote of $3,from *** for both of us two with two cars included in the policyThen on Jan 13th I wrote Email to *** *** officially confirmed that I accepted the offer and wanted her go on with needed procedure to take it effectiveOn Jan 16th I received call from *** saying that only my wife ( Ms*** ***) can be listed into the policy at that time, I (*** *** ***) temporarily can not be listed into the policy, because my wife had already had the U.Sdriving license, but I did not have yet*** told us that the price for my wife only will be $2,488.74, and once I get the Learner Permit from North Carolina DMV, my name can be added into the policy with the quoted price $3,002.38.I felt some weird as I did provide to *** all the needed information to prepare the quote at the beginning on Jan 11th, only untill this time she told me that I can not be insured in the policy; and we did have my name listed in the previous policy with *** ***(both my wife and I had many years of driving experience before we came to U.S.)But we have to accept it; Then they asked me to pay at once, $was taken by Nationwide that same day on Jan16th, So saying"On 01/17/2017, Ms*** *** decided to purchase a policy and OPTED to pay the full premium of $2,as a ‘paid in full’ bill option." is absolute misleading: we absolutely want to have two people included into the policy, and told *** clearly from the very beginning, we ARE OBLIGED AND HAVE TO accept to pay $2,for *** ***'s name only in the policy, UNDER THE CONDITION THAT: *** promised several times to us that, once *** *** *** have the North Carolina Learner Permit, then *** *** ***'s name can be added into the policy, and the total price for the two people and two car will be $3,002.38; and once *** *** *** have Driver's License of North Carolina, there will be additional discount applied.We say we HAVE TO do so becuase,Although I provided *** all the needed information to prepare an insurance policy from the beginning on Jan 11th, and told her that we accept her offered price $3,and decided to purchase from her on Jan 13th,She did not tell me that *** *** ***'s name can not be listed into the policy untill Jan 16thAt that time we had already told other potential Insurance provideds that we are sorry not able to choose themAnd on Jan 17th we will have to pick up the second car, without Insurance it will be illegal to pick up the car.If *** could tell us that *** *** *** can not be included into the policy, we will for sure NOT choose premium from herWe do have both *** *** *** and *** ***'s name in the previous policy with *** ***(Policy number 2***)We chose to leave *** *** and go with *** ***/Nationwide because they offered a competive priceTo change the policy we even have to face early cancellation penalty from *** ***With the price $3,002.38, we are willing to do so because it is still good for us, but with the price after"adjustment" $3,674.73, the price is even higher than the price that *** *** offered to us for two people and two carSo why we would choose Nationwide if the price is $3,674.73, and bear the cancellation fee from *** ***??I sent to *** my Learner Permit on Jan 18th and asked my name to be added into the policyAnd sent her my North Carolina Driver's License on Feb 16th,Please confirm with *** *** of *** *** ***for the detail, she can be reached at: phone: ###-###-####, Email:*** After the policy was bound and during 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”) *** *** *** REPLY: My situation is quite same as my wife, Ms *** ***We both have many year's driving experience outside U.S., and got U.Sdriver's license recentlySo why under the "appropiate corrections", the price for Ms *** *** will go down, but the price for Mr*** *** *** will go up so much, which lead to the total price for ***g *** and *** *** *** rise so much?? On 01/19/2017, *** from *** Insurance, contacted our service center to change driver #2; spouse:*** ***, to a rated driver effective 01/19/2017, since Mr*** had obtained his American drivers’licenseThis increased the total term premium in the amount of $1,224.22.The 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 *** *** and*** *** *** 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.” *** *** *** REPLY: A quote, written on a Corporation Letter head, is an official offer to customeronce customer accpet the quoted price, the most important and fundamental part of a contract is establishedFor example, in the case of our previous policy with *** ***, the quoted price is exactly the same as the price that we were later charged.When I contacted ***, I told her clearly that I want a price-competitive quote; if price is not good, We would rather stay with the current policy with *** ***I chose premium from *** because the price $3,is ok; if the price is really $3,674.73, we would stay with the original policy at *** ***, becuase $3,is higher than the price *** *** offered for us two people and two car, why should we take this price, and bear the early cancellation penalty from *** ***?And on Jan 16th when *** told us that only *** ***'s name can be listed into the policy and asked us to pay $2,488.74, we questioned her: Why *** *** ***'s name can not be in the policy? why we provided all the needed information to prepare quote from the beginning, and got quote for us two people,but it is only that time she told us this change? why we should change from a policy that both our name can be listed, to a policy that only *** ***'s name can be listed? *** repeatedly promised to us: once *** *** *** get Leraner Permit of North Carolina, his name can be added into the policy , total price for two people and two car will remain $3,And once *** *** *** get Driver License of North Carolina, additional discount will be applied(exact number will be calculated later)With that promise we go on to sign the contract, and paid $2,in full payment the same day on Jan 16thThen I go on to have my Learner Permit quick on Jan 18th and sent a copy to ***, but then received a bill from Nationwide priced $3,674.73!!When I questioned *** why she lied to us, she explained to us: all the quotes and decisions are made by *** of Nationwide(Please note: Ms*** ** ***, as one person, sometimes sent us email under name of *** Insurance with email address ***, and sometimes under the name of Nationwide, with email address ***, not know the reason)*** said: although she also believe it is NOT reasonable to "adjust" the price, but as *** is the people in Nationwide that supervise their business, they *** *** actually have no way to help meThen I got a call from MrSteve Niu, the boss of *** ***, saying that they are really suffering from these kind of wrongdoing and ridiculous behaviors of Nationwide, and to prevent these kind of issues happening again to them, they had decided to stop the cooperation relationship/dealership with Nationwide.I would not made a complaint here against Nationwide, if, when they provided the quote, just simply mention that: "quoted price could be adjusted after credit check, the price could rise ", I will consider all the factors before made the decision to change policyIf I am informed all the needed information, then I will take all the responsibility of the decisionBut unfortunately, it is not the case hereYes there is a note in the quote "all premium quoted subject to verification of information", I will take full responsibility if the information I provided is not good after verificationBut how can Insurance corporation raise price just using this term as an excuse?? They have all the related information from the very beginning, and then use a reasonable price to attract customer, and then charge a lot more with this excuse! If we tolerate this kind of behavior , it is undermining the basis of our society rule--integrety!!And actually even the price $3,is not low--When *** sent me the quote with price $3,002.38, she specially mentioned"Yes this price is relatively high, because you(Mr*** *** ***) have not got your U.Sdriver's license yet", (I am sending this email for your reference, *** wrote this in Chinese, but with translation software/Google you can see these words)And there is a minor issue: *** said that Nationwide adjusted the price to $3,660.33, and the bill of Nationwide says $3,674.73, could they please send a number to custmer with some professinal attitude?What I see here is totaly cheating and misleadingSomeone, instead of us(the sufferer), should take the responsiblity!!
I am writing in response to the complaint referenced aboveIn his complaint, Mr*** advises thatthe Annual Percentage Rate (APR) on his automobile loan with Nationwide Bank was wronglyincreased to 24.99%Additionally, he references dissatisfactory customer service on the part of theNationwide
Bank Titles team.Regarding the forms provided to Nationwide Bank by Mr***, we received the forms necessary toadd Nationwide Bank as a lienholder to the title, however, we did not receive a titleBecauseNationwide Bank was not listed as lienholder by the dealership, we are unable to request a duplicatetitleThat action must be initiated by Mr***.We have spoken with Mr*** and discussed the steps necessary to obtain a duplicate title, and haveNationwide Bank shown as lienholder on the titleMr*** has agreed to request a duplicate title withthe New York DMVAs a gesture of good faith, we agreed to restore his APR to the originally approvedrate of 3.25%.The APR on Mr***'s loan was adjusted to 24.99% on November 7, and adjusted back to theapproved APR of 3.25% on January 10, As stated, Mr*** has been making his scheduledpayments of $per monthOn December 14, 2017, an additional payment was posted to theaccount in the amount of $That amount is being refunded to Mr*** in the form of a checksent via overnight delivery to the address shown below, no later than January 17, Additionally, acheck is being mailed to Mr*** to pay for a duplicate title in the state of New York.Once Mr*** receives that check, we have offered an extension of thirty days at the approved APRto allow time to receive the completed titleWhen Mr*** submits a request for the title and lienfiling, he will provide documentation to Nationwide Bank confirming that actionAt that time, the thirty-dayclock will startAfter thirty days, if the title has not been received by Nationwide Bank, we will grantanother thirty-day extension at the approved APR, again, contingent upon action taken by Mr*** toobtain the title and lien filing.We recognize that this situation was a challenging one and we regret any perception of poor customerserviceMr*** should not have been advised to disregard our lettersPlease know that situation isbeing actively addressed.Please feel free to reach out to me directly, using the contact information shown below if I may be offurther assistance.Thank you,Anne LC***SrAnalystJMember Experience Teamc***[email protected]
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Regards, *** ***
The
policy for *** *** was renewed on February 12, for $1,174.62. The previous premium on her policy was
$786.12. There was a general rate
increase that was included in the renewal premiumThe member increased the
dwelling coverage by about $10,Due to
the recent claim, the “Claims Free
Discount” was also removed from the policyAll of these factors attributed to the
increased renewal premium
Please
accept my apologies if you feel that any representative treated you in a manner
that was less then professional
Please
do not hesitate to contact me, should you have any additional questions
Sincerely,
Carol
G***
*** *** ***
This letter is in response to the inquiry received from your office on April 4, 2018.This claim is for damage to Mr***s rental property due to bats in the atticMr***a has beenunwilling to allow us to inspect the damage and prepare an estimate of repairs.Since receipt of this complaint, we have been in communication with Mr***s agent, per his request.Through his agent, we have been advised that Mr***a is will meet with our independent adjuster onApril 20, or on April 18, We requested that our independent adjuster contact Mr***a toschedule the inspection on one of these dates and that the independent adjuster coordinate the date andtime of the inspection with Mr***’s bat expert.Once the inspection is complete, we will be able to move forward with the resolution of this claim.If you require further assistance in this matter, please contact our Customer Relations Coordinator, ErikkaK*** at ###-###-#### or by email at ***Sincerely,Teresa * M***