At this time, we are in discussion with Mr*** concerning the next steps in his claim. We made him different offers to settle prior to being notified that he was continuing to seek additional treatment. Since Mr*** is still seeking treatment for injuries he is relating to the accident, we have advised him that at this point we do not have an option that we can use to settle his claim today while leaving it open for him to seek additional treatment in the future. We have advised Mr*** that we will continue to follwith him and once he has finished treatment we will be able to complete a full evaluation and make him an offer to settle his claim. We want to be sure we are able to consider all treatment he would like to present as a part of his claim. We have offered to request all bills and records for medical treatment incurred as a result of the accident and to inform Mr*** of the need to secure past medical records should the need arise Adam T***, AIC.Casualty Claims Manager
We are in receipt of your request for additional information posted February 11, 2016, regarding the above referenced file.As we explained in our original response, we have not received any premium from the Third Party Administrator working with Ms***’s employerWe are not disputing money has been taken from Ms***’s paycheck; we simply have not received any premium payments from the Third Party Administrator.Policies, like Ms***’s policy, that are set up as group payroll deduction to collect premium payments are different from policies set up to receive premium directly from the policyholderMs***’s employer is ADTADT contracts with a Third Party Administrator, ***, to administer premium deductions and remit to Nationwide.We want to assure Ms*** that her premium has not been applied to an incorrect policy*** has very strict guidelines for confirming the accuracy of premium deductions from ADTAll premium submitted to Nationwide is sent by policy number.We are sorry for any confusion caused by emails/letters showing different pet names linked to Ms***This was an isolated error and has been resolved.Upon receipt of this request for information, we again reached out to *** and confirmed they have received two $payments from ADT for Ms***’s policyBased on ***’s cut off times for processing, we may not receive this money until the week of February 22, 2016.Underwritten by National Casualty CompanyOnce the premium is received from ***, we will process the refund within twenty four hours and return the funds to Ms*** via check.Should you require any further assistance in this matter, please contact our *** *** ***, Janice K***, at ###-###-#### or via email at ***Sincerely,Lynne CH*** *** *** ***
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***
*** *** ***
Thank you for your recent inquiry regarding a complaint you received from *** ***I havereviewed this claim file and would like to address Ms***’s concernIf I do not provide theinformation you need for this matter, please do not hesitate to let me know.Ms*** has a personal auto policy
with *** *** *** Insurance Company.On January 1, Ms*** reported a recovered theft of her BMW 128I with damage toNationwide InsuranceThe claim was assigned to Daniel C*** to handle the investigation for thelossHe was finally able to reach Ms*** on April 5, to discuss the claim.An inspection of the BMW was conducted on April 7, by a local representative, Steve S*He found the damages on the vehicle to be inconsistent for a vandalism loss, but rather to be minor innature as wear and tear on the vehicleThe stitching on the canvas top of the vehicle, wasalso found to be pulling apart, and not rippedA denial letter was drafted and mailed to Ms*** onMay 20, 2016, due to these findings.Based on my review, no errors were made on this claimHowever, I am sorry that the outcome wasnot satisfactory to Ms***We strive to meet our customer’s needs, but understand thatsometimes we are unable to do soIf you should have any questions or wish to discuss the matterfurther, please feel free to call me.If you require further assistance, please contact our *** *** *** Claire S*at ###-###-#### or by email at ***Sincerely,Nan Q***
This is in response to the inquiry regarding the homeowner’s policy for *** *** with NationwideMutual Fire Insurance Company (hereinafter, “the Company”)Mr*** expressed concernregarding the coverage of his policy, specifically the homeowner’s policy form.The policy for Mr*** was new
business with our Company effective March 27, The policyapplication was completed based on the information provided by the insuredThe agent call with theinsured has been reviewedWhen reviewing the value/determining the Coverage A (Dwelling) limitof the dwelling/townhouse, the insured did not disclose or advise that he was not responsible for100% of the structureThus a homeowner’s policy form was writtenThe application was signed bythe insuredThe insured subsequently received the policy declarations detailing the coverage beingprovided on the policy.Contracts between a townhouse association and the homeowner vary regarding what theresponsibilities of the association and the homeowner are regarding replacement in the event of alossThe company was not advised that the insured was not responsible for 100% of the dwellingand coverage was afforded accordinglyThus we are not able to backdate the coverage form on thepolicy.We appreciate the opportunity to provide information on Mr***’s homeowners policyIf there areadditional questions, please feel free to contact me.Sincerely,Gale G***
This letter is in response to the supplemental inquiry provided by Mr*** on 1/19/18to the complaint ID noted aboveMr*** indicated in his initial inquiry that he wasinformed at the time of his enrollment in the National Small Business Association thatthere would be no rate increase for the dental insurance coverage provided as a benefitof such membership for a period of three (3) years from his date of enrollmentHe hassupplemented his filing to request to eliminate the monthly administration fee.Unfortunately, we cannot accommodate this requestThe monthly administration fee isthe cost assessed by *** *** *** (MBA) to administer the MultiflexDental plan underwritten by Nationwide Life Insurance Company.Based on the review of this inquiry the determination has been made that the rateincreases were valid and no further action is required.Please feel free to contact MBA directly at ###-###-#### should you require any furtherinformation on this matter.Sincerely,Sean R***Operations ManagerNationwide Insurance###-###-####Cc: *** *** - MBANationwide InsuranceOne Nationwide Plaza 04-06-101Columbus, OH
To Whom It May Concern:
Thank you for your recent inquiry regarding the complaint you received from *** ***As SrAnalyst, Customer Resolution & Response Team, I will address to Mr***’s
concerns
We were able to review the homeowner policy, ** ** ** ***, and determined that an error occurredMr*** was never notified of our inspection process to finalize the reconstruction cost amount of his homeDue to this error, we will honor Mr***'s original premium amount of $for the first term of his policyThe correct reconstruction cost of $283,will remain on his policy to ensure he is adequately protected, but he will pay the lower premium amountOnce the policy renews, the correct premium will be chargedMr*** would then have the option of continuing his policy or obtaining other insurance
Here is an explanation in regards to Mr***’s concerns on his auto policy billing, ** ** * ***On May 22, the policy was written effective June 15, with the term premium of $Mr*** paid the policy in fullOn June 3, we emailed Mr*** the state mandated Act forms required for his stateThe Waiver of Stacking of Uninsured and Underinsured Motorist Bodily Injury coverage, as well as Tort Limited option coverageWe never received the forms and resent them again via mail on June 11,
Nationwide attempted to contact the member via phone on June 19, 2015, to address the need to return the formsWe contacted him again via phone on July 13, and were able to speak with himWe advised him that we needed the mandated forms to be returned to us or we were going to default coverage effective inception, June 15, On August 18, we had not received the required signed forms from the member and defaulted coverage to the policy by stacking the Uninsured and Underinsured Motorist Bodily Injury coverage, as well as the Full Tort coverage effective June 15, This change caused an increase in premium of $
We billed the member on August 21, in the amount of $due on September 15, 2015. This was the unpaid balance at that time of $divided over three months left to bill, making their installment $plus the $installment fee
The required signed forms were returned to us by Mr*** on August 19, On August 21, we changed the coverage back to un-stacking for Uninsured and Underinsured Motorist Bodily Injury coverage and changed the Tort option to Limited effective the date the forms were signed, August 17, This change caused a decrease in premium of $131.30. This credit was divided over the three months left to bill applying $to the bill, making $due on September 15,
Mr*** would owe 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
The auto and home policies remain active and not cancelledIf Mr*** would like to cancel his policies, he would need to contact our service department at ###-###-#### and sign the required forms to cancel his policies
I hope the information that I have provided has answered your questions in regards to this matterPlease let me know if I can provide additional information
I am writing in response to the complaint referenced above, for *** ***, regarding the closeout of a checkingaccount with Nationwide Bank.In reviewing *** *** account, I find that on June 15, 2017, Nationwide Bank was notified that Mr*** hadbeen reported to ChexSystems from
another financial institution for ATM fraudIt is our policy that once anindividual has been reported to ChexSystems, they are not eligible to hold accounts with Nationwide Bank for fiveyearsIt is stated in our Terms and Conditions that we may close a member's account at any time uponreasonable notice and tender of the account balance personally or by mail.On June 15, 2017, Nationwide Bank sent Mr*** a letter indicating that his Nationwide Bank MemberChecking account was to be closed due to the recent ChexSystems reportAt this time, the balance in theMember Checking account was $1,On June 21, 2017, the Member Checking account was closed with thetotal balance of $1,sent to Mr*** in the form of an official bank check.The disputed amount of $may have been the available account balance as of June 9, After theoutstanding debits and credits were processed, the final account balance, as of June 21, 2017, totaled $1,107.80.Please feel free to reach out to me directly if I may be of further assistance.Thank you,*** ***Specialist, Member Experience Team
This letter is in response to the concerns filed by Mr*** about changes in premium, the service he received from Nationwide, and the refund he received after the cancellation of his Auto policy. Starting with the premium changes, this policy began on
October 2, with a six-month term premium of $ The next policy renewal occurred on April 2, 2016, and the generated term premium was $304.14. The following renewal was on October 2, generated at $324.27. Finally, the last time the policy renewed was on April 2, 2017, and the renewal generated at $329.80. Each of these increases were caused by a general rate increase. This has been advised to MrWong previously, but per his filed complaint, he feels the answers he was given were generic blanket statements. I therefore want to expound upon the rate increases and what causes them. Insurance companies operate in the business of measuring risk. Part of the rating of a policy is based on individual factors, such as the driving record of the insured, the vehicle they insure, or where the vehicle is typically garaged at. However, part of the rating is also based on claim trends. Over the past few years, we are seeing steady increases to insurance premium industry wide, and this is being caused by two primary factors. The first is the rising cost of Health Care. The result of this is a direct correlation to higher claim payouts on claims involving Bodily Injury and Uninsured Motorist Bodily Injury. Taking that into account, we adjust rates to compensate for the trend. The other factor is the amount of technology found in modern vehicles. In the last 3-years, most modern vehicles are being built with features such as backup cameras, parking/driving sensors, GPS, and touch screen controls. As a result, repair technicians are no longer just doing body work and paint, but running wiring and installment replacements of these devices as well. This directly impacts the cost of parts of labor. Because of this, we have adjusted rates to coverages such as Property Damage, Uninsured Motorist Property Damage, and Collision. Prior to the rates being put in place, they are filed with and approved by the state Department of Insurance. These rate changes are then applied to all policies in the state at their first renewal after that increase was approved. In regards to the service received, we did review the interactions between the insured and our Service Department. We began with the interaction on September 20, with the associate referenced in the complaint, Roger. When we reviewed the call, the associate advised they were adding an “On Your Side Review Discount,” and quoted a reduction of $for the policy term. There is no such discount. This was a clear Service error, and we have involved the leadership of the associate to make them aware and address it. Unfortunately, in the state of North Carolina, we are not allowed to write off premium, even in the case of a misquote. We sincerely apologize to the customer. In regards to the cancellation interaction and the refund associated with that cancellation, we reviewed the request to cancel, which occurred on April 29, 2017. First, in regards to the draft that occurred, it is the guideline for our associates to suspend any upcoming automated payment when a request for cancellation is made. This was not done, and was an associate error. Second, in the state of North Carolina, if a policy is midterm request cancelled by an insured, it operates on a short rate. This means that, much like cancelling a cell phone contract mid term, that a percentage of the remaining premium that would have been owed for the term is still charged. That information is also required to be advised to an insured in North Carolina when requesting to cancel. This also did not occur. Because of this omission of information when the insured made the request, we are adjusting the cancellation from short rated to pro rated, meaning we will only charge for the premium owed for the period of time covered, and will not base the final balance on any unearned premium after the requested cancel date of April 29, 2017. As a result, we are issuing an additional refund of $35.21. We have also involved the leadership of this associate as well so the matter will be addressed with the associate directly. We again sincerely apologize to the customer for the experience they had while being a member with Nationwide. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at *** Sincerely, Jeremy T B*** SrAnalyst
Ms*** has called Nationwide Bank regarding this issue multiple timesOn October 23, 2015, she didspeak with a supervisor in the Nationwide Bank Customer Care Center, who researched the transactions andadvised that Nationwide Bank had not been at fault regarding the holds placed on her
checking account by themerchant.On the same date, a courtesy refund was posted to the complainant's account in the amount of $25, which is inalignment with her notation of Desired Settlement.Sincerely,Anne C*** *** *** ***Nationwide Bank
To whom it may concern:This is in response to the additional concerns filed with your Agency by *** *** regarding the homeowner policy of *** ***I have stopped payment on the refund of $which was mailed to *** *** Place, Apt ***. Nationwide will be issuing the refund of $via express check which should be delivered March 3, to the *** *** Drive, APT ***, McLean, VA I apologize, however we are unable to provide any interest on the refund that is being sent as there was no intentional mishandling of the refunds and feedback has been provided to the responsible partiesIf you require further assistance, please contact our Customer Relations Coordinator, Kriss C***, at ###-###-#### or by email at ***@nationwide.com
March
14,
*
*** ***
*** *** ***
*** ** ***
*
*
*** *** ** ***
*** *** ***
***
*** ***
*** *** ** ** * ***
*** ** ***
*** *** *** *** ***
*** *** ***
*** ** ***
*
Dear
*** ***,
We regret that you needed to reach out to other sources
beyond Nationwide to request assistance with pending items that are related
to your September 10, auto loss that occurred in ***, PA
As per your communication to the Ohio Revdex.com,
I understand that you are upset with the fact that you have not been
reimbursed, to date for $in out of pocket rental expenses that you
incurred as a result of requiring a temporary replacement vehicle while your
first party collision claim was processed by NationwideIn addition, you
indicated that you are also owed for four days of lost earnings as a result of
missing several work days due to injuries you sustained in the accident
As you are aware, Nationwide has issued settlement to you
for the total loss settlement to your vehicle under the 1st party collision
coverage, paid $to *** as covered by your 1st party rental and
$in 1st party medical payments towards medical providers in which you
received loss related treatment
The outstanding items that you noted in your Revdex.com
communication, lost earnings and outstanding rental expense balance, are both
items that are not reimbursable under any 1st party coverage remaining on your
auto policySpecifically, any rental expense outstanding, that was above your
rental coverage, would need to be presented to *** *** *** as a
third party out of pocket claimBe advised that Nationwide Insurance has
provided the claim representative, Erika K***, with a copy of the ***
rental invoice and requested numerous times, that they process a reimbursement
to you for this out of pocket expenseNationwide Recovery Representative, Lisa
W***, as a courtesy, has also attempted several follow up calls to *** ***
to advise that you are still owed reimbursement for these out of pocket rental
expenses that were above the rental coverage available on your auto policy
In addition, with regards to your lost time from work
after the accident, be advised that during the processing of your 1st party
medical claim that your employer noted that you had missed time from work on
9/10/and 9/11/The doctor’s disability note had excused you from work
9/10/through 9/13/with a return to work date of 9/14/The wage loss
coverage available on your auto policy has a five day wait periodTherefore,
wage loss is reimbursed beginning with the 6th day lost from workThe first
five days are not compensable under wage loss coverageIn light of this we
could not reimburse you for any lost wages under your 1st party auto coverage
In order for Nationwide to pursue another company for
reimbursement of any benefits that we paid there must exist subrogation
potentialPennsylvania does not permit these types of claims for Medical and
wage loss claimsSince you had lost no days from work that are compensable
under your wage loss coverage these lost work days would be considered an out
of pocket loss, similar to the out of pocket expenses incurred for a rental
vehicle
These outstanding items, your out of pocket rental and
lost wages, would be part of your claim against the at fault party, insured
through *** *** ***
We cannot pursue the other carrier to attempt to recover
your out of pocket expenses or loss as this would put us in the position as
your representative in your claim
against the other party, such as an attorney would doKnow that we are not
permitted to represent you in that fashion
Your outstanding out of pocket items would need to be
processed as a third party action against *** *** *** Company
As previously noted, *** *** *** Company previously received a
copy of the *** rental car invoice which highlighted your $out of
pocket paymentIn addition, *** *** *** should accept and
process any 3rd party lost wages claim that you present to the claim
representative, Erica K***
Here is additional contact information for *** *** ***, if needed
*** *** ***
** *** ***
*** ** ***
*** ***
(B) ###-###-#### - Erika K***
Sincerely,
Andrew W***
Claims Manger
Nationwide
###-###-####
***
This does not seem logicalSo basically this conpany could say they changed their mind and my house was worth a billion dollars, and expect me to pay for the previous month that was quoted to me at a different rateYou simply can't do that to peopleI've asked *** about this and they said they would NEVER do that to their customersYou had the house inspected and gave me a quoteIf you changed your mind afterwords, that is your own fault and should't come at my expense
Regards, *** ***
The reason I em sending these documents is to show the mistakes made by Nationwideand their local agentsIncluded is the original applicatlon (that I did not receive until May2015, when the policy was opened in December 2014)Once I received the applicatlonin May (when they asked me to sign and backdate it to Dec) I highlighted and correctederrors and concerns on the application and sent it back to them for review and the localagents never respondedI let them know I could not sign the application until the errorswere fixed which the agent refused to do and instead told me I can take my businesselsewhereAlso, I am sending the ilnception page that was attached to the responsethrough NationwideThis document clearly shows the policy holder as *** *** 'and the only Insured Driver as *** ***The car on the policy was my car, ***
***, with no one else listed on the titleI did eventually notice that error and callback to add myself as a driverI am also sending former and current declaration pagesaddressed to my motherThese are the documents I was told I was supposed to reviewto make sure the agent did their job properly (my mother sometimes grabs her mail andnever opens it)My mother doesn't want anything to do with thls whole mess by the way.She is sickened by Nationwide and how they are treatlng their long term loyal .customersNationwide is saying the names on the policy were a "system errors", but yetto this day it still has not been fixedI will also send a copy of proof of payment for therental car that was not covered because the agent never added it to my pollcy when Irequested it in DecemberI guess he was too busy maklng a million other mistakes.Another thing I was bothered by was the fact that rental car coverage is known as 'Lossof Use" with nationwide, Had I received the declarations and reviewed them I would notknow that insurance jargon anywayThat is not consumer friendlyAs far as customerservice, most companies aim to make processes as easy, smooth, and painless aspossible for customersNationwide does notInstead I was given homework, homeworkthat was never sent to meThen I was faulted for it after it was given to me months laterand it was too lateThe local agents never followed up to make sure they had thenecessary documents for the policy or to even see if I received themInstead the localagent told me they must have gotten stuck in his outboxWhat? OkayMy opinion isNationwide as a whole could use a serious tune up on their customer servicingI wouldlike to mention one agent in particular that I was amazed how blunt and rude she was,*** ***, I'm not sure if I have the spelling correctly, but I believe she workedin agency supportShe wasn't helpful by any meansDid not show any compassion orsympathy for a customer who had to go through a dispute after being in an accidentwhere the vehicle wes totaledI am a single full time working mom of a year oldIreally do not have time for all of thls, but when I feel passionate about something andgetting my point across and my story heard than I will take the time out of my busy andsleepless llfe to do soI feel like I have been done wrong by a company I have a longrelationship with and have been very loyal toI am still insured by Nationwide through allof this and people think I'm crazy for not going to a competitorI enjoy being withNationwide, but I do not at-all feel appreciated as a customerThis response iscompletely free written, no review, no logic behind itI am just speaking what I feel andhow I feelI'm pretty sure I will not get the desired outcome from all this which is ashameI know someone within the company would agree with my story and do the rightthing it just takes the right person to hear it, and maybe it won't be heardThis wholeprocess has been extremely tiring and I am ready to be done with itThere may bethings I left out or documents included I did not explain so I apologize for that, and anygrammatical or spelling errors; I don't have time or energy to proof read back through.Thank you for your time,*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me Nationwide had reached out to me after I filed this complaint to resolve the billing issue and fixed it on November 7thI still don't understand how you issue policy documents a week after the quote that are for the wrong amount, or how you can bind a policy for more than someone signs for without reissuing said documentsI think the lack of transparency on Nationwide's end is troubling and I will not be recommending them for service
I am writing in response to Mr***'s camplaint regarding his recent experience with an automobile applicationwith Nationwide Bank.The loan application was originally submitted online on March On March 31, Nationwide Bank requested viaernail to Mr, ***, a copy of tha title to confirm the
VIN and seller nameIn the absence of a title, a documentfrom the existing lender providing the complete and correct VIN and the name of the seller would be satisfactotory.On April 6, Mr*** contacted Nationwide Bank to check on the status of his loanHe was advised that ourunderwriting team was still waitlng for the title informationMr*** contends that he did not receive the Marchemail requesting the information.Mr*** was advised at that time of the documentation that was required to proceed with his loan request andhe was given a fax numberMr*** took steps to confirm the fax number and found it to be incorrectHecalled Nationwide Bank again, and was given a similar fax numberMr*** contacted the seller of the vehiclerequesting the documentationHe called back on April to confirm that documents had been received, and wastold that they had notBecause he had been given an incorrect fax number originally, he called Nationwide Bankagain to confirm the fax numberHe was advised that the number provided was incorrect, and gave yet anotherfax number.The seller's bank did provide documentation which included the full and correct VIN and the name of the seller.However, the VIN shown in that document did not match the VIN included in the loan applicationAn incorrectVIN had been entered during the initial applicationDue to system constraints at Nationwide Bank, a new loanapplication would need to be submitted, using the correct VIN in order to proceed with the loan request.At that time, Mr*** chose not to proceed with his application with Nationwide Bank, and has since obtainedfinancing elsewhere.Sincerely,Anne C*** *** *** ***
I am rejecting this response for many reasons. First, Mr*** was one of the representatives of Nationwide who refused to communicate with me in a timely manner. He told me I could speak with him on 8/24/2015, yet he never made himself available. He also went hr without responding to written communication. His actions have been unprofessional, and to the extent of brushing me off. He has not once even taken a moment to consider any facts I have sent over, nor has he ever explained the position of Nationwide
On many occasions, I asked (in writing) to get an explanation, and detail, of how the $was figured. I was refused at every turn. I am fully aware that Nationwide uses a formula called 17C to calculate diminished value. This is only an acceptable formula for the State of Georgia (based on a court case in Georgia) and has zero legal standing under Texas law. This formula is not acceptable outside Georgia, yet Nationwide still uses it for all cases. I explained this to Nationwide, yet they ignored my e-mails. On the other hand I did provide real world proof of the diminished value. When I was forced to trade in my vehicle I was only given $for it. I provided documentation to Nationwide that shows my trade in value (without any accidents on the carfax) was valued at $10,333. (per Kelly blue book). The retail price for the same exact make and model is $11,This information was also sent to Nationwide. They refused to even acknowledge these REAL WORLD data and facts. The information I provided is the market for the exact make and model of my car, yet they choose to value my car with a made up formula (that they still have refused to show me in detail), and that has no legal standing in Texas. I believe any response from Mr*** is unacceptable since his actions, along with his subordinate, is what prompted this complaint in the first place. I feel someone other than he should be responding since he has already shown his unwillingness to accept the data (without explanation) I have sent in
Mr***'s response to this complaint is the same canned response he has provided me when ever I confronted him on facts and specifics. As a matter of fact, Nationwide took it upon themselves to send a check for $to *** leasing even though I was still trying to work this matter through. This is blatant proof they have had zero respect for my side of the facts, nor did they ever have the intention of making me whole. Fact is I was placed into a negative financial situation because of the actions of their insured, and they refuse to make me whole
Thank you for the opportunity to respond regarding policy number *** for *** *** and to address his concerns about the policy Each of Mr***’s installment bills that have been issued have contained a $installment fee that is listed on installment bill itself.
Each installment bill also advises that if he wishes to avoid future installment fees he is able to pay his policy term in full On 6/3/2016, contact was made to Mr*** to discuss his concerns regarding the policy installment fees and how to avoid them. He was advised that he could pay his policy in full or could pay ahead by paying his bill before it would issue. Mr*** was advised that the current installment fee was waived as a courtesy to him, but we would not be able to provide a refund for prior fees paid If you require further assistance in this matter, please contact our Customer Relations Coordinator, Charity W*** ###-###-#### or by email at *** Sincerely, Evan H***
At this time, we are in discussion with Mr*** concerning the next steps in his claim. We made him different offers to settle prior to being notified that he was continuing to seek additional treatment. Since Mr*** is still seeking treatment for injuries he is relating to the accident, we have advised him that at this point we do not have an option that we can use to settle his claim today while leaving it open for him to seek additional treatment in the future. We have advised Mr*** that we will continue to follwith him and once he has finished treatment we will be able to complete a full evaluation and make him an offer to settle his claim. We want to be sure we are able to consider all treatment he would like to present as a part of his claim. We have offered to request all bills and records for medical treatment incurred as a result of the accident and to inform Mr*** of the need to secure past medical records should the need arise Adam T***, AIC.Casualty Claims Manager
I never recieved any bills from nationwide on a balance due until they saw it fit to give the bill over to a collections agency.
Regards,*** ***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to me
Regards, *** ***
We are in receipt of your request for additional information posted February 11, 2016, regarding the above referenced file.As we explained in our original response, we have not received any premium from the Third Party Administrator working with Ms***’s employerWe are not disputing money has been taken from Ms***’s paycheck; we simply have not received any premium payments from the Third Party Administrator.Policies, like Ms***’s policy, that are set up as group payroll deduction to collect premium payments are different from policies set up to receive premium directly from the policyholderMs***’s employer is ADTADT contracts with a Third Party Administrator, ***, to administer premium deductions and remit to Nationwide.We want to assure Ms*** that her premium has not been applied to an incorrect policy*** has very strict guidelines for confirming the accuracy of premium deductions from ADTAll premium submitted to Nationwide is sent by policy number.We are sorry for any confusion caused by emails/letters showing different pet names linked to Ms***This was an isolated error and has been resolved.Upon receipt of this request for information, we again reached out to *** and confirmed they have received two $payments from ADT for Ms***’s policyBased on ***’s cut off times for processing, we may not receive this money until the week of February 22, 2016.Underwritten by National Casualty CompanyOnce the premium is received from ***, we will process the refund within twenty four hours and return the funds to Ms*** via check.Should you require any further assistance in this matter, please contact our *** *** ***, Janice K***, at ###-###-#### or via email at ***Sincerely,Lynne CH*** *** *** ***
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***
*** *** ***
Thank you for your recent inquiry regarding a complaint you received from *** ***I havereviewed this claim file and would like to address Ms***’s concernIf I do not provide theinformation you need for this matter, please do not hesitate to let me know.Ms*** has a personal auto policy
*He found the damages on the vehicle to be inconsistent for a vandalism loss, but rather to be minor innature as wear and tear on the vehicleThe stitching on the canvas top of the vehicle, wasalso found to be pulling apart, and not rippedA denial letter was drafted and mailed to Ms*** onMay 20, 2016, due to these findings.Based on my review, no errors were made on this claimHowever, I am sorry that the outcome wasnot satisfactory to Ms***We strive to meet our customer’s needs, but understand thatsometimes we are unable to do soIf you should have any questions or wish to discuss the matterfurther, please feel free to call me.If you require further assistance, please contact our *** *** *** Claire S
*at ###-###-#### or by email at ***Sincerely,Nan Q***
with *** *** *** Insurance Company.On January 1, Ms*** reported a recovered theft of her BMW 128I with damage toNationwide InsuranceThe claim was assigned to Daniel C*** to handle the investigation for thelossHe was finally able to reach Ms*** on April 5, to discuss the claim.An inspection of the BMW was conducted on April 7, by a local representative, Steve S
This is in response to the inquiry regarding the homeowner’s policy for *** *** with NationwideMutual Fire Insurance Company (hereinafter, “the Company”)Mr*** expressed concernregarding the coverage of his policy, specifically the homeowner’s policy form.The policy for Mr*** was new
business with our Company effective March 27, The policyapplication was completed based on the information provided by the insuredThe agent call with theinsured has been reviewedWhen reviewing the value/determining the Coverage A (Dwelling) limitof the dwelling/townhouse, the insured did not disclose or advise that he was not responsible for100% of the structureThus a homeowner’s policy form was writtenThe application was signed bythe insuredThe insured subsequently received the policy declarations detailing the coverage beingprovided on the policy.Contracts between a townhouse association and the homeowner vary regarding what theresponsibilities of the association and the homeowner are regarding replacement in the event of alossThe company was not advised that the insured was not responsible for 100% of the dwellingand coverage was afforded accordinglyThus we are not able to backdate the coverage form on thepolicy.We appreciate the opportunity to provide information on Mr***’s homeowners policyIf there areadditional questions, please feel free to contact me.Sincerely,Gale G***
This letter is in response to the supplemental inquiry provided by Mr*** on 1/19/18to the complaint ID noted aboveMr*** indicated in his initial inquiry that he wasinformed at the time of his enrollment in the National Small Business Association thatthere would be no rate increase for the dental insurance coverage provided as a benefitof such membership for a period of three (3) years from his date of enrollmentHe hassupplemented his filing to request to eliminate the monthly administration fee.Unfortunately, we cannot accommodate this requestThe monthly administration fee isthe cost assessed by *** *** *** (MBA) to administer the MultiflexDental plan underwritten by Nationwide Life Insurance Company.Based on the review of this inquiry the determination has been made that the rateincreases were valid and no further action is required.Please feel free to contact MBA directly at ###-###-#### should you require any furtherinformation on this matter.Sincerely,Sean R***Operations ManagerNationwide Insurance###-###-####Cc: *** *** - MBANationwide InsuranceOne Nationwide Plaza 04-06-101Columbus, OH
To Whom It May Concern:
Thank you for your recent inquiry regarding the complaint you received from *** ***As SrAnalyst, Customer Resolution & Response Team, I will address to Mr***’s
concerns
We were able to review the homeowner policy, ** ** ** ***, and determined that an error occurredMr*** was never notified of our inspection process to finalize the reconstruction cost amount of his homeDue to this error, we will honor Mr***'s original premium amount of $for the first term of his policyThe correct reconstruction cost of $283,will remain on his policy to ensure he is adequately protected, but he will pay the lower premium amountOnce the policy renews, the correct premium will be chargedMr*** would then have the option of continuing his policy or obtaining other insurance
Here is an explanation in regards to Mr***’s concerns on his auto policy billing, ** ** * ***On May 22, the policy was written effective June 15, with the term premium of $Mr*** paid the policy in fullOn June 3, we emailed Mr*** the state mandated Act forms required for his stateThe Waiver of Stacking of Uninsured and Underinsured Motorist Bodily Injury coverage, as well as Tort Limited option coverageWe never received the forms and resent them again via mail on June 11,
Nationwide attempted to contact the member via phone on June 19, 2015, to address the need to return the formsWe contacted him again via phone on July 13, and were able to speak with himWe advised him that we needed the mandated forms to be returned to us or we were going to default coverage effective inception, June 15, On August 18, we had not received the required signed forms from the member and defaulted coverage to the policy by stacking the Uninsured and Underinsured Motorist Bodily Injury coverage, as well as the Full Tort coverage effective June 15, This change caused an increase in premium of $
We billed the member on August 21, in the amount of $due on September 15, 2015. This was the unpaid balance at that time of $divided over three months left to bill, making their installment $plus the $installment fee
The required signed forms were returned to us by Mr*** on August 19, On August 21, we changed the coverage back to un-stacking for Uninsured and Underinsured Motorist Bodily Injury coverage and changed the Tort option to Limited effective the date the forms were signed, August 17, This change caused a decrease in premium of $131.30. This credit was divided over the three months left to bill applying $to the bill, making $due on September 15,
Mr*** would owe 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
The auto and home policies remain active and not cancelledIf Mr*** would like to cancel his policies, he would need to contact our service department at ###-###-#### and sign the required forms to cancel his policies
I hope the information that I have provided has answered your questions in regards to this matterPlease let me know if I can provide additional information
I am writing in response to the complaint referenced above, for *** ***, regarding the closeout of a checkingaccount with Nationwide Bank.In reviewing *** *** account, I find that on June 15, 2017, Nationwide Bank was notified that Mr*** hadbeen reported to ChexSystems from
another financial institution for ATM fraudIt is our policy that once anindividual has been reported to ChexSystems, they are not eligible to hold accounts with Nationwide Bank for fiveyearsIt is stated in our Terms and Conditions that we may close a member's account at any time uponreasonable notice and tender of the account balance personally or by mail.On June 15, 2017, Nationwide Bank sent Mr*** a letter indicating that his Nationwide Bank MemberChecking account was to be closed due to the recent ChexSystems reportAt this time, the balance in theMember Checking account was $1,On June 21, 2017, the Member Checking account was closed with thetotal balance of $1,sent to Mr*** in the form of an official bank check.The disputed amount of $may have been the available account balance as of June 9, After theoutstanding debits and credits were processed, the final account balance, as of June 21, 2017, totaled $1,107.80.Please feel free to reach out to me directly if I may be of further assistance.Thank you,*** ***Specialist, Member Experience Team
This letter is in response to the concerns filed by Mr*** about changes in premium, the service he received from Nationwide, and the refund he received after the cancellation of his Auto policy. Starting with the premium changes, this policy began on
October 2, with a six-month term premium of $ The next policy renewal occurred on April 2, 2016, and the generated term premium was $304.14. The following renewal was on October 2, generated at $324.27. Finally, the last time the policy renewed was on April 2, 2017, and the renewal generated at $329.80. Each of these increases were caused by a general rate increase. This has been advised to MrWong previously, but per his filed complaint, he feels the answers he was given were generic blanket statements. I therefore want to expound upon the rate increases and what causes them. Insurance companies operate in the business of measuring risk. Part of the rating of a policy is based on individual factors, such as the driving record of the insured, the vehicle they insure, or where the vehicle is typically garaged at. However, part of the rating is also based on claim trends. Over the past few years, we are seeing steady increases to insurance premium industry wide, and this is being caused by two primary factors. The first is the rising cost of Health Care. The result of this is a direct correlation to higher claim payouts on claims involving Bodily Injury and Uninsured Motorist Bodily Injury. Taking that into account, we adjust rates to compensate for the trend. The other factor is the amount of technology found in modern vehicles. In the last 3-years, most modern vehicles are being built with features such as backup cameras, parking/driving sensors, GPS, and touch screen controls. As a result, repair technicians are no longer just doing body work and paint, but running wiring and installment replacements of these devices as well. This directly impacts the cost of parts of labor. Because of this, we have adjusted rates to coverages such as Property Damage, Uninsured Motorist Property Damage, and Collision. Prior to the rates being put in place, they are filed with and approved by the state Department of Insurance. These rate changes are then applied to all policies in the state at their first renewal after that increase was approved. In regards to the service received, we did review the interactions between the insured and our Service Department. We began with the interaction on September 20, with the associate referenced in the complaint, Roger. When we reviewed the call, the associate advised they were adding an “On Your Side Review Discount,” and quoted a reduction of $for the policy term. There is no such discount. This was a clear Service error, and we have involved the leadership of the associate to make them aware and address it. Unfortunately, in the state of North Carolina, we are not allowed to write off premium, even in the case of a misquote. We sincerely apologize to the customer. In regards to the cancellation interaction and the refund associated with that cancellation, we reviewed the request to cancel, which occurred on April 29, 2017. First, in regards to the draft that occurred, it is the guideline for our associates to suspend any upcoming automated payment when a request for cancellation is made. This was not done, and was an associate error. Second, in the state of North Carolina, if a policy is midterm request cancelled by an insured, it operates on a short rate. This means that, much like cancelling a cell phone contract mid term, that a percentage of the remaining premium that would have been owed for the term is still charged. That information is also required to be advised to an insured in North Carolina when requesting to cancel. This also did not occur. Because of this omission of information when the insured made the request, we are adjusting the cancellation from short rated to pro rated, meaning we will only charge for the premium owed for the period of time covered, and will not base the final balance on any unearned premium after the requested cancel date of April 29, 2017. As a result, we are issuing an additional refund of $35.21. We have also involved the leadership of this associate as well so the matter will be addressed with the associate directly. We again sincerely apologize to the customer for the experience they had while being a member with Nationwide. If you require further assistance, please contact our Customer Relations Coordinator, Phillis H***, at ###-###-#### or by email at *** Sincerely, Jeremy T B*** SrAnalyst
Ms*** has called Nationwide Bank regarding this issue multiple timesOn October 23, 2015, she didspeak with a supervisor in the Nationwide Bank Customer Care Center, who researched the transactions andadvised that Nationwide Bank had not been at fault regarding the holds placed on her
checking account by themerchant.On the same date, a courtesy refund was posted to the complainant's account in the amount of $25, which is inalignment with her notation of Desired Settlement.Sincerely,Anne C*** *** *** ***Nationwide Bank
To whom it may concern:This is in response to the additional concerns filed with your Agency by *** *** regarding the homeowner policy of *** ***I have stopped payment on the refund of $which was mailed to *** *** Place, Apt ***. Nationwide will be issuing the refund of $via express check which should be delivered March 3, to the *** *** Drive, APT ***, McLean, VA I apologize, however we are unable to provide any interest on the refund that is being sent as there was no intentional mishandling of the refunds and feedback has been provided to the responsible partiesIf you require further assistance, please contact our Customer Relations Coordinator, Kriss C***, at ###-###-#### or by email at ***@nationwide.com
March
14,
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Dear
*** ***,
We regret that you needed to reach out to other sources
beyond Nationwide to request assistance with pending items that are related
to your September 10, auto loss that occurred in ***, PA
As per your communication to the Ohio Revdex.com,
I understand that you are upset with the fact that you have not been
reimbursed, to date for $in out of pocket rental expenses that you
incurred as a result of requiring a temporary replacement vehicle while your
first party collision claim was processed by NationwideIn addition, you
indicated that you are also owed for four days of lost earnings as a result of
missing several work days due to injuries you sustained in the accident
As you are aware, Nationwide has issued settlement to you
for the total loss settlement to your vehicle under the 1st party collision
coverage, paid $to *** as covered by your 1st party rental and
$in 1st party medical payments towards medical providers in which you
received loss related treatment
The outstanding items that you noted in your Revdex.com
communication, lost earnings and outstanding rental expense balance, are both
items that are not reimbursable under any 1st party coverage remaining on your
auto policySpecifically, any rental expense outstanding, that was above your
rental coverage, would need to be presented to *** *** *** as a
third party out of pocket claimBe advised that Nationwide Insurance has
provided the claim representative, Erika K***, with a copy of the ***
rental invoice and requested numerous times, that they process a reimbursement
to you for this out of pocket expenseNationwide Recovery Representative, Lisa
W***, as a courtesy, has also attempted several follow up calls to *** ***
to advise that you are still owed reimbursement for these out of pocket rental
expenses that were above the rental coverage available on your auto policy
In addition, with regards to your lost time from work
after the accident, be advised that during the processing of your 1st party
medical claim that your employer noted that you had missed time from work on
9/10/and 9/11/The doctor’s disability note had excused you from work
9/10/through 9/13/with a return to work date of 9/14/The wage loss
coverage available on your auto policy has a five day wait periodTherefore,
wage loss is reimbursed beginning with the 6th day lost from workThe first
five days are not compensable under wage loss coverageIn light of this we
could not reimburse you for any lost wages under your 1st party auto coverage
In order for Nationwide to pursue another company for
reimbursement of any benefits that we paid there must exist subrogation
potentialPennsylvania does not permit these types of claims for Medical and
wage loss claimsSince you had lost no days from work that are compensable
under your wage loss coverage these lost work days would be considered an out
of pocket loss, similar to the out of pocket expenses incurred for a rental
vehicle
These outstanding items, your out of pocket rental and
lost wages, would be part of your claim against the at fault party, insured
through *** *** ***
We cannot pursue the other carrier to attempt to recover
your out of pocket expenses or loss as this would put us in the position as
your representative in your claim
against the other party, such as an attorney would doKnow that we are not
permitted to represent you in that fashion
Your outstanding out of pocket items would need to be
processed as a third party action against *** *** *** Company
As previously noted, *** *** *** Company previously received a
copy of the *** rental car invoice which highlighted your $out of
pocket paymentIn addition, *** *** *** should accept and
process any 3rd party lost wages claim that you present to the claim
representative, Erica K***
Here is additional contact information for *** *** ***, if needed
*** *** ***
** *** ***
*** ** ***
*** ***
(B) ###-###-#### - Erika K***
Sincerely,
Andrew W***
Claims Manger
Nationwide
###-###-####
***
This does not seem logicalSo basically this conpany could say they changed their mind and my house was worth a billion dollars, and expect me to pay for the previous month that was quoted to me at a different rateYou simply can't do that to peopleI've asked *** about this and they said they would NEVER do that to their customersYou had the house inspected and gave me a quoteIf you changed your mind afterwords, that is your own fault and should't come at my expense
Regards, *** ***
The reason I em sending these documents is to show the mistakes made by Nationwideand their local agentsIncluded is the original applicatlon (that I did not receive until May2015, when the policy was opened in December 2014)Once I received the applicatlonin May (when they asked me to sign and backdate it to Dec) I highlighted and correctederrors and concerns on the application and sent it back to them for review and the localagents never respondedI let them know I could not sign the application until the errorswere fixed which the agent refused to do and instead told me I can take my businesselsewhereAlso, I am sending the ilnception page that was attached to the responsethrough NationwideThis document clearly shows the policy holder as *** *** 'and the only Insured Driver as *** ***The car on the policy was my car, ***
***, with no one else listed on the titleI did eventually notice that error and callback to add myself as a driverI am also sending former and current declaration pagesaddressed to my motherThese are the documents I was told I was supposed to reviewto make sure the agent did their job properly (my mother sometimes grabs her mail andnever opens it)My mother doesn't want anything to do with thls whole mess by the way.She is sickened by Nationwide and how they are treatlng their long term loyal .customersNationwide is saying the names on the policy were a "system errors", but yetto this day it still has not been fixedI will also send a copy of proof of payment for therental car that was not covered because the agent never added it to my pollcy when Irequested it in DecemberI guess he was too busy maklng a million other mistakes.Another thing I was bothered by was the fact that rental car coverage is known as 'Lossof Use" with nationwide, Had I received the declarations and reviewed them I would notknow that insurance jargon anywayThat is not consumer friendlyAs far as customerservice, most companies aim to make processes as easy, smooth, and painless aspossible for customersNationwide does notInstead I was given homework, homeworkthat was never sent to meThen I was faulted for it after it was given to me months laterand it was too lateThe local agents never followed up to make sure they had thenecessary documents for the policy or to even see if I received themInstead the localagent told me they must have gotten stuck in his outboxWhat? OkayMy opinion isNationwide as a whole could use a serious tune up on their customer servicingI wouldlike to mention one agent in particular that I was amazed how blunt and rude she was,*** ***, I'm not sure if I have the spelling correctly, but I believe she workedin agency supportShe wasn't helpful by any meansDid not show any compassion orsympathy for a customer who had to go through a dispute after being in an accidentwhere the vehicle wes totaledI am a single full time working mom of a year oldIreally do not have time for all of thls, but when I feel passionate about something andgetting my point across and my story heard than I will take the time out of my busy andsleepless llfe to do soI feel like I have been done wrong by a company I have a longrelationship with and have been very loyal toI am still insured by Nationwide through allof this and people think I'm crazy for not going to a competitorI enjoy being withNationwide, but I do not at-all feel appreciated as a customerThis response iscompletely free written, no review, no logic behind itI am just speaking what I feel andhow I feelI'm pretty sure I will not get the desired outcome from all this which is ashameI know someone within the company would agree with my story and do the rightthing it just takes the right person to hear it, and maybe it won't be heardThis wholeprocess has been extremely tiring and I am ready to be done with itThere may bethings I left out or documents included I did not explain so I apologize for that, and anygrammatical or spelling errors; I don't have time or energy to proof read back through.Thank you for your time,*** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me Nationwide had reached out to me after I filed this complaint to resolve the billing issue and fixed it on November 7thI still don't understand how you issue policy documents a week after the quote that are for the wrong amount, or how you can bind a policy for more than someone signs for without reissuing said documentsI think the lack of transparency on Nationwide's end is troubling and I will not be recommending them for service
I am writing in response to Mr***'s camplaint regarding his recent experience with an automobile applicationwith Nationwide Bank.The loan application was originally submitted online on March On March 31, Nationwide Bank requested viaernail to Mr, ***, a copy of tha title to confirm the
VIN and seller nameIn the absence of a title, a documentfrom the existing lender providing the complete and correct VIN and the name of the seller would be satisfactotory.On April 6, Mr*** contacted Nationwide Bank to check on the status of his loanHe was advised that ourunderwriting team was still waitlng for the title informationMr*** contends that he did not receive the Marchemail requesting the information.Mr*** was advised at that time of the documentation that was required to proceed with his loan request andhe was given a fax numberMr*** took steps to confirm the fax number and found it to be incorrectHecalled Nationwide Bank again, and was given a similar fax numberMr*** contacted the seller of the vehiclerequesting the documentationHe called back on April to confirm that documents had been received, and wastold that they had notBecause he had been given an incorrect fax number originally, he called Nationwide Bankagain to confirm the fax numberHe was advised that the number provided was incorrect, and gave yet anotherfax number.The seller's bank did provide documentation which included the full and correct VIN and the name of the seller.However, the VIN shown in that document did not match the VIN included in the loan applicationAn incorrectVIN had been entered during the initial applicationDue to system constraints at Nationwide Bank, a new loanapplication would need to be submitted, using the correct VIN in order to proceed with the loan request.At that time, Mr*** chose not to proceed with his application with Nationwide Bank, and has since obtainedfinancing elsewhere.Sincerely,Anne C*** *** *** ***
I am rejecting this response for many reasons. First, Mr*** was one of the representatives of Nationwide who refused to communicate with me in a timely manner. He told me I could speak with him on 8/24/2015, yet he never made himself available. He also went hr without responding to written communication. His actions have been unprofessional, and to the extent of brushing me off. He has not once even taken a moment to consider any facts I have sent over, nor has he ever explained the position of Nationwide
On many occasions, I asked (in writing) to get an explanation, and detail, of how the $was figured. I was refused at every turn. I am fully aware that Nationwide uses a formula called 17C to calculate diminished value. This is only an acceptable formula for the State of Georgia (based on a court case in Georgia) and has zero legal standing under Texas law. This formula is not acceptable outside Georgia, yet Nationwide still uses it for all cases. I explained this to Nationwide, yet they ignored my e-mails. On the other hand I did provide real world proof of the diminished value. When I was forced to trade in my vehicle I was only given $for it. I provided documentation to Nationwide that shows my trade in value (without any accidents on the carfax) was valued at $10,333. (per Kelly blue book). The retail price for the same exact make and model is $11,This information was also sent to Nationwide. They refused to even acknowledge these REAL WORLD data and facts. The information I provided is the market for the exact make and model of my car, yet they choose to value my car with a made up formula (that they still have refused to show me in detail), and that has no legal standing in Texas. I believe any response from Mr*** is unacceptable since his actions, along with his subordinate, is what prompted this complaint in the first place. I feel someone other than he should be responding since he has already shown his unwillingness to accept the data (without explanation) I have sent in
Mr***'s response to this complaint is the same canned response he has provided me when ever I confronted him on facts and specifics. As a matter of fact, Nationwide took it upon themselves to send a check for $to *** leasing even though I was still trying to work this matter through. This is blatant proof they have had zero respect for my side of the facts, nor did they ever have the intention of making me whole. Fact is I was placed into a negative financial situation because of the actions of their insured, and they refuse to make me whole
Thank you for the opportunity to respond regarding policy number *** for *** *** and to address his concerns about the policy Each of Mr***’s installment bills that have been issued have contained a $installment fee that is listed on installment bill itself.
Each installment bill also advises that if he wishes to avoid future installment fees he is able to pay his policy term in full On 6/3/2016, contact was made to Mr*** to discuss his concerns regarding the policy installment fees and how to avoid them. He was advised that he could pay his policy in full or could pay ahead by paying his bill before it would issue. Mr*** was advised that the current installment fee was waived as a courtesy to him, but we would not be able to provide a refund for prior fees paid If you require further assistance in this matter, please contact our Customer Relations Coordinator, Charity W*** ###-###-#### or by email at *** Sincerely, Evan H***