Dear: ** *** On May 13,claimant *** *** went to ** *** *** *** *** *** for an estimate. *** *** stated to the shop that the L quarter panel and rear bumper cover damage was part of the claim and wanted the shop to include this on the estimate.
However, on May 8, when investigating claim associate contacted our policyholder about the details of the accident, policyholder explained that *** *** told them at the time of the accident that the quarter panel and rear bumper was damaged a week before and not part of this claim Because of this, the inside desk reviewer requested a field inspection of *** vehicle to determine if the L quarter panel and rear bumper was part of this claim. Field associate *** *** contacted *** *** and inspected his vehicle at his residence. Upon inspection, *** *** determined that the quarter panel and rear bumper as not related. *** explained this to *** ***. *** pointed out that there was white paint transfer on the door that our policyholder backed into. Our policyholder has a white vehicle. The ding in the quarter panel is round and about dime shape. Looked as if a stone flew back and caused the damage but it was not from being struck by our policyholder. The rear bumper is pulled outward and backward away from the vehicle and would not be consistent with someone backing into the vehicle of *** ***. *** *** vehicle was parked and unoccupied at the time of the accident. There is no scraping down the side of *** *** vehicle only the on impact on the L front door *** *** called *** *** a few days later and *** explained again why Nationwide could not pay for the damage to the L quarter panel and rear bumper. Then later the repair shop called *** and wanted to know if Nationwide was paying for the questionable damage and *** explained to the shop why he was not paying for the damage. *** *** stated that he only rec'd the one call from *** *** and one from the body shop and he returned all of them. He does not remember *** *** calling him and he didn't return the call After reviewing the file, I am in agreement with *** *** on the damages to the L quarter panel and rear bumper not being related to a single impact caused by our policyholder backing up and hitting a park vehicle in the L front door Sincerely,
*** ** ***
*** *** *** ***Nationwide ###-###-####
Thank you for your recent inquiry regarding a complaint received from Ms***As *** *** for Nationwide Insurance, I have reviewed Ms***’s complaint, as well as, the claim fileI am writing this letter to address the issues of delayed contact brought forth by Ms*** in her
complaint.In regards to delayed contact and poor time service made by ** *** Insurance Company…This loss was reported on June 23, and assigned to *** *** at 9:AM Central Standard TimeSuccessful contact with Ms*** took place on June 25, at 10:AM Central Standard TimeWe appreciate Ms***’s feedback as the contact timeliness does not align with our expectationsAdditionally, Mr*** should have returned Ms***’s voicemail promptly on June 24, A coaching and feedback discussion regarding contact delay and poor time service opportunity is scheduled with Mr***.We had the opportunity to follwith Ms*** on July 1, She confirmed her claim was progressing forward and her vehicle is scheduled to begin repairs on Monday July 6, We confirmed the scheduling of her repairs and rental reservationShe did not have any additional concerns.Sincerely,*** * *** ***Nationwide Insurance###-###-####***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meI read the response, however, I don't understand why it was adjusted to $+/- due, rather than it being a $balance. I cancelled the policy before any new amounts were to be due and I didn't receive any discounts when the policy was rewritten, so there was nothing to lose when the policy was cancelled. Keep in mind, the rewrite of the policy and the lack of transparency in the process was the key reason why I decided to find insurance elsewhere that was more affordable. Therefore, I'd like it to be recorded that I'm only accepting this response due to the fact that the negative reporting is being removed, as well as the fact that Nationwide has it on record that what I was stating about the cancellation was correct and took action to minimize the balance. However, I disagree with the fact that I still owe $+/- and I wish for Nationwide to contact me or forward to me the proper contact infoso I can dispute this final amount
Regards, *** ***
you have not shared any proof that *** Motor Vehicles was provided that these accidents were no fault accidents . I want something in writing showing that you sent *** Motor Vehicle this information, then I need you to show me that *** Motor Vehicles were in receipt of your documentation
Regards, *** ***
I appreciate Phillis H*** Customer Relations Coordinator and Jake M*** Senior Analyst for getting involved with my initial complaintI am asking them to consider waiving the $since their representative Chad agreed to have it waived in the very beginning due to discrepancies and inconvenience it has causedI am also asking that Nationwide contact their Credit Collection Services at Canton Street Norwood, Massachusetts and clean my file and contact all three credit bureaus to make sure my name is clearedI realize this is a reasonable request due to the inconsistencies
Thank you for bringing this issue to our attentionNationwide Insurance inspected the loss and discussed the finding with the memberRepresentatives from Nationwide Insurance have made several attempts to contact *** *** and *** *** since the inspection but
have been unsuccessfulNationwide Insurance will be glad to address the concerns expressed by *** *** once contact is madePlease feel free to contact me with any questions at ###-###-#### or *** If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D*** at ###-###-#### or by email at *** * Sincerely, Warren Y***
We are in receipt of your correspondence dated May 11, regarding the concerns of our former policyholder, Ms*** ***I would be happy to respond to Ms*** concerns on behalf of Nationwide Insurance.On December 5, 2016, Ms*** contacted the Personal Lines Service Center and
requested to remove uninsured motorist coverage from her policyDuring this call, Ms*** was advised that her bill due on December 8, would be $There was no discussion of cancelling the policy during this conversation.Upon review, with the removal of the uninsured motorist coverage from the policy, this only decreased the prior term by $4.16, which then adjusted the current bill due from $to $A payment of $was attempted to be drafted from Ms*** account on December 8, 2016, which prompted an additional call to the Personal Lines Service CenterThe phone call was reviewed, and it was agreed to only accept a payment of $21.04, and to reimburse Ms*** for any bank fees she was charged due to this error.On December 26, 2016, Ms*** requested to cancel her policyThe required cancellation request form was received on December 29, 2016, and the policy was cancelled effective January 8, A final bill in the amount of $was issued for coverage provided up to the date of cancellation.Ms*** contacted the Personal Lines Service Center on January 18, to advise she had replacement coverage effective December 27, An additional cancellation request form was received, and on January 25, 2017, the policy cancellation effective date was adjusted to December 27, 2016.At this time, the final balance of $is owed to Nationwide Insurance for coverage provided up to the date of cancellation of December 27, 2016.If you require further assistance, please contact Joey L*** at ###-###-#### or by email at ***.Sincerely,Tara P***SrAnalyst
The customer's need for cancellation was fulfilled by our company's Revenue manager as the guest had requested. I have attached the copy of the credit to their card in the full amount paid for the reservation. Thank you
When I was informed that my rate was going up, I cancelledI don't see how any business can change a rate for something that was in the pastI was given a rateI paid what was quotedNobody ever said I could possibly be charged more for previous months of service that were already paid for and service completedThere may be some technicallity where some Michigan guidlines say ou can do that, but I never agreed to itI paid what was quoted to me, service was cancelled, end of storyYou can not send a bill to a past customer claiming you didn't charge them enough for past serviceThat is flat out ridiculous.
Regards,*** ***
[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: ***
I am rejecting this response because:
I was told that I would not be reported late as I was making payments, a nationwide rep TOLD me that on a recorded phonecall the day BEFORE I was reported, furthermore I have had loans with them and I have never missed any payments or been late in the pastThe only reason I missed a payment this time was because I had no job or income for almost two monthsI have had credit lines since the day I was and I am with no other missed payments everAll I am asking for is a forgiveness letter to have this stricken from my record so that my family of can move on from this and purchase our first homeI can't do this with this negative mark that was never supposed to have been reported in the first placeThank you.
Regards,
*** ***
January 17, 2017*** *** *** ** *** ***
*** *** ***
*** ** ***
*** *** ***
*** *** *** *** ***Dear *** ***,I am writing in response to Ms*** complaint regarding the payment history on her loan with Nationwide Bank.Upon reviewing Ms*** account stated concerns, I see some incorrect informationNationwide Bank does not now, nor have we ever mailed an annual statement showing loan paymentsAdditionally, loan account activity is viewable online, showing the most recent activity on the account, including payment amounts, last date paid, next payment due date, along with other specific account informationMs*** does have online access established with Nationwide Bank, although the account has not been viewed online since February We do certainly apologize for any incorrect information that may have been provided to Ms*** regarding the availability of account information.With regard to irregular payment postings, I find that because Ms*** had paid more than the required monthly amount due in some months, payments that had attempted to pull using old, invalid account information had no negative impact on the account.The loan was paid in full and closed on January 6, The payoff amount was correct, with no overpayment of shortageHowever, because of the poor service provided to Ms***, we are mailing a refund check representing the amount of interest accrued from December 21, through January 6, This check will be mailed separately from this letter and will be sent to the address provided in Ms*** complaint.Again, I do apologize for any poor customer service experience MsNemes may have experienced and those concerns will be addressed.Sincerely,*** ***
*** *** *** *** ***Nationwide Bank###-###-####CC: *** *** ***
*** ** *** ***
*** ** ***
Thank you for the opportunity to respond to Ms***’ concerns regarding the increase in premium due to an accident dated May 14, 2014. Ms*** was added as a driver on May 2, 2016, at that time, the Auto Loss History Report provided by Lexis Nexis to Nationwide indicated the fault
of the loss dated May 14, as “unknown or unreported”. Underwriting had requested a Letter of Experience (indicating fault in the accident) from Ms*** from her prior insurance carrier, in order to override the accident surcharge. The information was not received therefore, the surcharge would be applied on the November 27, renewal Underwriting has received a corrected Auto Loss History Report on November 29, 2016, indicating the accident as Not at Fault, therefore the accident surcharge has been removed The agent’s office was also contacted for feedback on this caseUpon receiving the complaint, they immediately left cell phone messages with both *** and *** *** did return their call, and spoke directly with Associate Agent, *** ***During that conversation, there were apologizes of any misunderstanding over the dropped callWhen *** offered to assist *** with changing agencies if she preferred, *** indicated that she was sorry that the complaint had even been filed, and had done so in the "heat of the moment" She also acknowledged all of the effort and steps that the agency had taken on their behalf, and was just happy that everything was getting resolved to her satisfaction If you have any further questions or concerns, please contact our Customer Advocacy Coordinator, Barb D*** at ###-###-#### or email at *** Sincerely, Kristin M***
*** ***Nationwide has agreed to refund the premiums that I have paid them, but that was two weeks agoThey have yet to respond since I sent them the necessary documentation can I get an update on the status of this claimPlease reply at *** or at ***The Nationwide rep that assisted me in the process is Peter S*** his contact number is *** and his email is ***
I am writing in response to Ms***’s complaint regarding her requests for a Loan Modification regarding the property referenced in her complaint*** *** *** *** *** ** ***.Per the attached response provided by Nationwide Advantage Mortgage Company dated march 29, 2016, the
property in question is not eligible for Loan Modification in part because the mortgage loan is secured by a property that does not serve as her principal residenceAccording to FHA guidelines, only an owner occupied residence may be considered eligible for Loan Modification. Additionally, the response offers information regarding the Right to Appeal, but requires that the appeal be delivered in writing to: Nationwide Advantage Mortgage Company, ** *** *** *** *** ** *** not later than April 12, To this date, a formal appeal has not been received and the right to appeal has therefore expired. I am very sorry that I am unable to offer further assistance in this matter. Sincerely,Anne C*** *** *** ***
Dear Revdex.com: Thank you for your letter dated October 13, regarding the concerns raised by *** *** on behalf of La Casa de Don Pedro. This commercial general liability claim was received by *** *** of *** *** claims office on July 6,
Our insured, Priority Mechanical, was hired by La Casa de Don Pedro to install a new furnace at the home of *** ***This installation was completed in December 2014. The claim allegation is that our insured’s furnace install caused Ms*** central air conditioning to no longer work. This letter details the months of continued attempts to reach our insured via US mail, email, and telephone, with no success or responseBelow is our timeline of these attempts and our investigation. July 6 Telephone attempts were made to reach both our insured and La Casa, the same day the claim was received. July 7 Telephone attempts were made to both our insured and La CasaContact with our insured was also attempted through email. July 8 Telephone contact was made with *** *** with La Casa de Don PedroShe was able to provide a statement detailing the work that was requested of our insured in December 2014, and the specifics of the contract between La Casa de Don Pedro and our insured, Priority Mechanical. Ms*** alleged that our insured’s furnace install in December was related to and caused the homeowner’s air conditioner to not work in May Ms*** was unable to provide any specifics as to this allegation and correlationWe requested (and followed up with an email) that Ms*** send us photos of the homeowner’s furnace and air conditioner system and setup, as well as the contract with our insured, Priority Mechanical and La Casa de Don PedroThe homeowner’s contact information was also requested and providedOn that same day, the homeowner, Altagracia ***, was contacted and we obtained her statement to verify the facts of this loss and the allegations against our insuredMs*** did not know why her air conditioner was not working. July 20 Continued attempts were made to contact the insured by telephone and emailA letter was also sent by US mail in an attempt to reach the insuredAs the contact information on record was proving to be unsuccessful, internet searches were conductedAdditionally, a voicemail message was left for the insured’s insurance agent to obtain additional or correct contact information. Contact was made with the homeowner, *** ***, to request the opportunity to send an appraiser to inspect her heating/cooling system to determine what was wrong with itShe confirmed it had not yet been repairedWe also advised Ms*** on the current status of the claim, which included our need for our insured’s statement and to verify what caused her air conditioner failure and if our insured was liable for thisA follow up email was sent to Ms*** for the photos and contract that was previously requested. July 21 Pictures were received via email from La Casa de Don Pedro of the old furnace and the new furnace the insured installedI replied to Ms***’s email and advised on the status of my claim investigation, which was our need for our insured’s statement and to verify what caused Ms*** air conditioner failure and if our insured was liable for this. August 3 The appraiser indicated he was having difficulty reaching the homeowner to arrange the inspection. Ms*** was emailed and advised on the situation that the appraiser was trying to contact them so he could inspect their damages and prepare his report so a liability decision could be madeMs. *** was also advised that we had received her contract and bid information for our insured’s furnace installation. August 6 Continued attempts to contact our insured via US mail and email. August 7 Further searches for working telephone numbers and accurate address for our insured were unsuccessfulThe telephone numbers that were located were all wrong numbersAt one of the numbers, a woman advised that the insured no longer is in their building, but could not provide me any other information or contact information. A follow up call with the insured’s agent provided a different address and phone numbers for the insured in comparison to what we previously had on recordOne of the numbers did not work and one was the current number we were callingContinued internet searches were conducted to locate current phone numbers based on this new address, but we could not find a working number. Another contact letter was sent to our insured at the new address. August 11 A letter was sent to the homeowner advising that the appraiser has been unsuccessful in reaching herContinued searches were conducted for additional telephone numbers for our insured, but we could not find any working numbers. August 18 We requested a status update from our appraiser on his continued attempts to reach the homeowner to inspect her propertyOur appraiser responded advising he has made (5) telephone attempts and sent a letter via US mail to the homeowner with no response. August 24 Our appraiser advised he still has not heard from the homeownerWe contacted the homeowner; however we were unable to reach herWe called again on this day and spoke with the homeowner, advising her on our appraiser’s unsuccessful attempts at reaching herShe advised that we could have the appraiser come any day after 3:pmWe informed our appraiser of this and he advised he would go to the residence on August to inspect. August 25 A Reservation of Rights letter was sent to our insured regarding their lack of cooperation which could jeopardize potential coverage for this lossWe left a telephone voicemail message with our insured’s agent to advise them on the Reservation of Rights letter. August 26 The homeowner advised the appraiser that the air conditioner had been repaired and did not allow the appraiser to inspect the property or heating/cooling systemOur appraiser advised they would attempt to secure a copy of the air conditioner repairs invoice/report for us. August 31 We sent an email to Ms*** advising on the status of our investigation (which remained that we needed our insured’s statement and to verify if Ms*** air conditioner failure was caused by our insured) and requested a copy of the air conditioner repair report/invoice/work order and requested the information of who completed these repairs, as La Casa hired the repair company. We received an updated phone number for our insured from the insured’s agentWe then left a voicemail message requesting a return call from the insuredWe also sent our insured the approved Reservation of Rights letter through both regular US mail and certified US mail. September 9 We sent a follow up email to Ms*** on our prior request for documentation on the air conditioner repairAs we were unable to inspect the property and to reach our insured, we were looking for some information on the cause of the air conditioner failure to evaluate this claimWe also left another telephone voicemail message for the insured. September 10 We received the appraiser’s final report advising he was unable to complete the inspection at the homeowner’s residence and he was unable to secure the repair company’s informationWe also left a voice mail message for the insured stating the same. September 23 We attempted to reach our insured via telephone but there was no answer and the voicemail box was full. September 25 We received the requested air conditioner repair documents from Ms*** and advised her on the status of our claim investigationWe would need to review the repair documents to learn what was being alleged against our insured and obtain the insured’s statement in response to the allegations. In the documentation she sent, the repair company states that the air conditioner compressor was damaged due to a clogged evaporator coil, which they state was caused by an improper install of the furnaceThey allege that the bottom of the furnace was opened and never sealed. We attempted to reach the insured but the voicemail box was fullWe contacted the insured’s agent to obtain additional contact information, but she had none to shareShe advised that the insured no longer has a policy with them. October 9 We received an email from Ms*** advising that she would be filing a Revdex.com complaint as this claim was not resolved yet. October 12 We requested an investigator locate our insured for a face to face statement so verification of the facts of this loss and the allegations against our insured can be obtainedWe responded to Ms. ***’s email that she would be filing a Revdex.com complaint, advising on the current statusWe advised her that our insured has the right to answer the allegations being presented against them and we have a right to investigate this claim on their policyWe also advised that our insured’s lack of cooperation could be jeopardizing any potential coverage we may have for this lossWe advised her that we cannot prematurely settle or deny this claim without investigating it. As of the date of this letter, we have been unable to reach our insured, our investigator has been unable to locate our insured, and we have been unable to inspect the damages our insured is alleged to have caused, despite multiple attempts on our part. Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** *** ** *** or via email at ***. Sincerely, Donald RT*** Commercial Claim Manager *** *** Company of *** *** *** W ###-###-#### F (###-###-####
as the information indicates the insurer arbitrarily decided to send notices to the garage get location rather than the billing locationThere is a reason for providing vendors with billing addresses, it is to assure bills get paidYou can also see that payments were made each monthThere was not one moth where a payment was not madeAlthough there was some confusion generated by a rate change which was not indicated and billings of different amounts, payments were made each month as acknowledged by the insurer and evidenced by the documentsClearly there was absolutely no rationale for cancelling the insurance and placing the insured in jeopardy of liability and violation of law due to cancelation of insurance
Regards,
*** ***
I am writing in response to the complaint from *** *** regarding the NationwideFlexible Premium Variable Universal Life Insurance policy referenced aboveThis matter wasforwarded to Nationwide's Office of Compliance for review and handlingI appreciate yourpatience while we completed our
review.Our records indicate that policy # *** is a Nationwide Choicelife Protection FlexiblePremium Variable Universal Life Insurance policy that was issued on April 17, withinitial specified amount of $75,on the life o* *** ***This policy has an insurancecomponent and an investment component; howeverits primary intended purpose is to providelife insurance coverage until the maturity date stated in the contract.One of the most notable features of this policy is its premium flexibilityAfter payment of theMinimum Initial Premium, which is required in order to put the policy in force, payment ofadditional premiums is solely at the discretion of the policyholderRather than remaining inforce due to the timely payment of a fixed or scheduled premium, the policy remains in forcefor as long as there is enough Net Cash Surrender Value to pay the monthly charges (thisrepresents the cost of insurance, administrative charges and the cost of any riders).The policy is designed to provide flexibility in connection with premium payments, investmentoptions and death benefitsThe policy owner has the right to vary the frequency and amountof premium payments, to allocate net premiums among the various Separate Accounts orGuaranteed Account, to increase or decrease the death benefit, or to change the death benefitoption, according to policy provisionsThis is not a fixed premium life insurance contractTheaccount value of the policy is allocated to the sub-accounts selectedThe value of theunderlying sub-accounts fluctuate daily depending upon market performance and are notguaranteed.Our records indicate that this policy went into a "lapse pending" status in April A lapsenotice was mailed to MrAmstrong on April 17, informing him that unless sufficientpremium was received by June 17, 2016, the policy would terminateA reminder was thensent on May 17, and the final lapse notice was sent on June 23, Mr***chose to pay a monthly premium of $per month throughout the life of the policy leaving itwith insufficient value to cover the cost of insurance.Enclosed is a copy of the application (ExhibitA) for policy ***, and the policy itself(Exhibit B), given to Mr*** at issueEach of these documents contain disclosuresrelating to the nature of this policy, including that the policy values could increase or decreasein accordance with the investment experience of the Separate Accounts and may increase inaccordance with the Interest credited to the Guaranteed Account, as well as statements withregard to the cost of insurance in relation to policy cash value.After policy *** was issued, Mr*** had a period of days to review thepolicyWithin those days the policy could have been canceled with a refund of premium.In reviewing our records, we cannot find any information that would lead us to believe thatMr*** expressed any dissatisfaction with the policy during the examination period.In addition, since issuance of the policy, statements have been mailed to Mr*** on aquarterly and an annual basis indicating policy values, withdrawals, gains/losses, as well ascurrent surrender value.Based on our review, we feel that the terms and conditions of this policy were adequatelydisclosed to Mr*** at the time of purchase and find no basis to offer any type ofadjustment to policy ***If there is any other documentation you would like us toconsider, please forward it to my attention and we will review it thoroughly.We appreciate your patience in this matterShould you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jeremy W***
Good afternoon ***,Nationwide is in receipt of your inquiry dated February 10, regarding the above subject file May we have an extension for responding to this complaint? We are waiting for a copy of the proof of mailing for the notice of cancellation from another business
unit which may take several days We expect to have a completed response on, or before Wednesday February 22, We’ll make every attempt to have our response to you as soon as we can.An email reply to confirm your approval would be greatly appreciate.Thank you,*** ***Nationwide
This is in response to the follow up inquiry of December 16, 2016.The check was issued on December 7, and was cleared by our bank on December 13, 2016.With regards to the loss of use, we explained to *** *** on December 2, 2016, that we would accept 75% responsibility for the rentalShe indicated her vehicle was drivable, and would not need a rental until it was placed in for repairsWe contacted her again on December 21, 2016, and she both confirmed she had received the check, and that she had not scheduled the vehicle for repairs yetWe advised her to contact us when she has scheduled repairs, and we would arrange the rental.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, *** *** at ###-###-#### or via email at ***Sincerely, David ***
Our concern now is thisnow that Nationwide has agreed that *** actually did put our home back together incorrectly we feel that Nationwide should take over court proceedings that *** has brought against us We have had to hire an attorney and have so far paid him $to defend us for their own errors This again has been proven by nationwide Our next concern is the remainder of our home that can't be seen that *** has so called repaired such as all of the piping for water and gas According to nationwide these things are covered for years by them Will this still stand because these things can't be seen without tearing down walls?
Regards, *** ***
Dear: ** *** On May 13,claimant *** *** went to ** *** *** *** *** *** for an estimate. *** *** stated to the shop that the L quarter panel and rear bumper cover damage was part of the claim and wanted the shop to include this on the estimate.
However, on May 8, when investigating claim associate contacted our policyholder about the details of the accident, policyholder explained that *** *** told them at the time of the accident that the quarter panel and rear bumper was damaged a week before and not part of this claim Because of this, the inside desk reviewer requested a field inspection of *** vehicle to determine if the L quarter panel and rear bumper was part of this claim. Field associate *** *** contacted *** *** and inspected his vehicle at his residence. Upon inspection, *** *** determined that the quarter panel and rear bumper as not related. *** explained this to *** ***. *** pointed out that there was white paint transfer on the door that our policyholder backed into. Our policyholder has a white vehicle. The ding in the quarter panel is round and about dime shape. Looked as if a stone flew back and caused the damage but it was not from being struck by our policyholder. The rear bumper is pulled outward and backward away from the vehicle and would not be consistent with someone backing into the vehicle of *** ***. *** *** vehicle was parked and unoccupied at the time of the accident. There is no scraping down the side of *** *** vehicle only the on impact on the L front door *** *** called *** *** a few days later and *** explained again why Nationwide could not pay for the damage to the L quarter panel and rear bumper. Then later the repair shop called *** and wanted to know if Nationwide was paying for the questionable damage and *** explained to the shop why he was not paying for the damage. *** *** stated that he only rec'd the one call from *** *** and one from the body shop and he returned all of them. He does not remember *** *** calling him and he didn't return the call After reviewing the file, I am in agreement with *** *** on the damages to the L quarter panel and rear bumper not being related to a single impact caused by our policyholder backing up and hitting a park vehicle in the L front door Sincerely,
*** ** ***
*** *** *** ***Nationwide ###-###-####
Thank you for your recent inquiry regarding a complaint received from Ms***As *** *** for Nationwide Insurance, I have reviewed Ms***’s complaint, as well as, the claim fileI am writing this letter to address the issues of delayed contact brought forth by Ms*** in her
complaint.In regards to delayed contact and poor time service made by ** *** Insurance Company…This loss was reported on June 23, and assigned to *** *** at 9:AM Central Standard TimeSuccessful contact with Ms*** took place on June 25, at 10:AM Central Standard TimeWe appreciate Ms***’s feedback as the contact timeliness does not align with our expectationsAdditionally, Mr*** should have returned Ms***’s voicemail promptly on June 24, A coaching and feedback discussion regarding contact delay and poor time service opportunity is scheduled with Mr***.We had the opportunity to follwith Ms*** on July 1, She confirmed her claim was progressing forward and her vehicle is scheduled to begin repairs on Monday July 6, We confirmed the scheduling of her repairs and rental reservationShe did not have any additional concerns.Sincerely,*** * *** ***Nationwide Insurance###-###-####***
I reviewed the response made by the business in reference to complaint ID *** and find the resolution is satisfactory to meI read the response, however, I don't understand why it was adjusted to $+/- due, rather than it being a $balance. I cancelled the policy before any new amounts were to be due and I didn't receive any discounts when the policy was rewritten, so there was nothing to lose when the policy was cancelled. Keep in mind, the rewrite of the policy and the lack of transparency in the process was the key reason why I decided to find insurance elsewhere that was more affordable. Therefore, I'd like it to be recorded that I'm only accepting this response due to the fact that the negative reporting is being removed, as well as the fact that Nationwide has it on record that what I was stating about the cancellation was correct and took action to minimize the balance. However, I disagree with the fact that I still owe $+/- and I wish for Nationwide to contact me or forward to me the proper contact infoso I can dispute this final amount
Regards, *** ***
you have not shared any proof that *** Motor Vehicles was provided that these accidents were no fault accidents . I want something in writing showing that you sent *** Motor Vehicle this information, then I need you to show me that *** Motor Vehicles were in receipt of your documentation
Regards, *** ***
I appreciate Phillis H*** Customer Relations Coordinator and Jake M*** Senior Analyst for getting involved with my initial complaintI am asking them to consider waiving the $since their representative Chad agreed to have it waived in the very beginning due to discrepancies and inconvenience it has causedI am also asking that Nationwide contact their Credit Collection Services at Canton Street Norwood, Massachusetts and clean my file and contact all three credit bureaus to make sure my name is clearedI realize this is a reasonable request due to the inconsistencies
Thank you for bringing this issue to our attentionNationwide Insurance inspected the loss and discussed the finding with the memberRepresentatives from Nationwide Insurance have made several attempts to contact *** *** and *** *** since the inspection but
have been unsuccessfulNationwide Insurance will be glad to address the concerns expressed by *** *** once contact is madePlease feel free to contact me with any questions at ###-###-#### or *** If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D*** at ###-###-#### or by email at *** * Sincerely, Warren Y***
We are in receipt of your correspondence dated May 11, regarding the concerns of our former policyholder, Ms*** ***I would be happy to respond to Ms*** concerns on behalf of Nationwide Insurance.On December 5, 2016, Ms*** contacted the Personal Lines Service Center and
requested to remove uninsured motorist coverage from her policyDuring this call, Ms*** was advised that her bill due on December 8, would be $There was no discussion of cancelling the policy during this conversation.Upon review, with the removal of the uninsured motorist coverage from the policy, this only decreased the prior term by $4.16, which then adjusted the current bill due from $to $A payment of $was attempted to be drafted from Ms*** account on December 8, 2016, which prompted an additional call to the Personal Lines Service CenterThe phone call was reviewed, and it was agreed to only accept a payment of $21.04, and to reimburse Ms*** for any bank fees she was charged due to this error.On December 26, 2016, Ms*** requested to cancel her policyThe required cancellation request form was received on December 29, 2016, and the policy was cancelled effective January 8, A final bill in the amount of $was issued for coverage provided up to the date of cancellation.Ms*** contacted the Personal Lines Service Center on January 18, to advise she had replacement coverage effective December 27, An additional cancellation request form was received, and on January 25, 2017, the policy cancellation effective date was adjusted to December 27, 2016.At this time, the final balance of $is owed to Nationwide Insurance for coverage provided up to the date of cancellation of December 27, 2016.If you require further assistance, please contact Joey L*** at ###-###-#### or by email at ***.Sincerely,Tara P***SrAnalyst
The customer's need for cancellation was fulfilled by our company's Revenue manager as the guest had requested. I have attached the copy of the credit to their card in the full amount paid for the reservation. Thank you
When I was informed that my rate was going up, I cancelledI don't see how any business can change a rate for something that was in the pastI was given a rateI paid what was quotedNobody ever said I could possibly be charged more for previous months of service that were already paid for and service completedThere may be some technicallity where some Michigan guidlines say ou can do that, but I never agreed to itI paid what was quoted to me, service was cancelled, end of storyYou can not send a bill to a past customer claiming you didn't charge them enough for past serviceThat is flat out ridiculous.
Regards,*** ***
[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: ***
I am rejecting this response because:
I was told that I would not be reported late as I was making payments, a nationwide rep TOLD me that on a recorded phonecall the day BEFORE I was reported, furthermore I have had loans with them and I have never missed any payments or been late in the pastThe only reason I missed a payment this time was because I had no job or income for almost two monthsI have had credit lines since the day I was and I am with no other missed payments everAll I am asking for is a forgiveness letter to have this stricken from my record so that my family of can move on from this and purchase our first homeI can't do this with this negative mark that was never supposed to have been reported in the first placeThank you.
Regards,
*** ***
January 17, 2017*** *** *** ** *** ***
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*** *** *** *** ***Dear *** ***,I am writing in response to Ms*** complaint regarding the payment history on her loan with Nationwide Bank.Upon reviewing Ms*** account stated concerns, I see some incorrect informationNationwide Bank does not now, nor have we ever mailed an annual statement showing loan paymentsAdditionally, loan account activity is viewable online, showing the most recent activity on the account, including payment amounts, last date paid, next payment due date, along with other specific account informationMs*** does have online access established with Nationwide Bank, although the account has not been viewed online since February We do certainly apologize for any incorrect information that may have been provided to Ms*** regarding the availability of account information.With regard to irregular payment postings, I find that because Ms*** had paid more than the required monthly amount due in some months, payments that had attempted to pull using old, invalid account information had no negative impact on the account.The loan was paid in full and closed on January 6, The payoff amount was correct, with no overpayment of shortageHowever, because of the poor service provided to Ms***, we are mailing a refund check representing the amount of interest accrued from December 21, through January 6, This check will be mailed separately from this letter and will be sent to the address provided in Ms*** complaint.Again, I do apologize for any poor customer service experience MsNemes may have experienced and those concerns will be addressed.Sincerely,*** ***
*** *** *** *** ***Nationwide Bank###-###-####CC: *** *** ***
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Thank you for the opportunity to respond to Ms***’ concerns regarding the increase in premium due to an accident dated May 14, 2014. Ms*** was added as a driver on May 2, 2016, at that time, the Auto Loss History Report provided by Lexis Nexis to Nationwide indicated the fault
of the loss dated May 14, as “unknown or unreported”. Underwriting had requested a Letter of Experience (indicating fault in the accident) from Ms*** from her prior insurance carrier, in order to override the accident surcharge. The information was not received therefore, the surcharge would be applied on the November 27, renewal Underwriting has received a corrected Auto Loss History Report on November 29, 2016, indicating the accident as Not at Fault, therefore the accident surcharge has been removed The agent’s office was also contacted for feedback on this caseUpon receiving the complaint, they immediately left cell phone messages with both *** and *** *** did return their call, and spoke directly with Associate Agent, *** ***During that conversation, there were apologizes of any misunderstanding over the dropped callWhen *** offered to assist *** with changing agencies if she preferred, *** indicated that she was sorry that the complaint had even been filed, and had done so in the "heat of the moment" She also acknowledged all of the effort and steps that the agency had taken on their behalf, and was just happy that everything was getting resolved to her satisfaction If you have any further questions or concerns, please contact our Customer Advocacy Coordinator, Barb D*** at ###-###-#### or email at *** Sincerely, Kristin M***
*** ***Nationwide has agreed to refund the premiums that I have paid them, but that was two weeks agoThey have yet to respond since I sent them the necessary documentation can I get an update on the status of this claimPlease reply at *** or at ***The Nationwide rep that assisted me in the process is Peter S*** his contact number is *** and his email is ***
I am writing in response to Ms***’s complaint regarding her requests for a Loan Modification regarding the property referenced in her complaint*** *** *** *** *** ** ***.Per the attached response provided by Nationwide Advantage Mortgage Company dated march 29, 2016, the
property in question is not eligible for Loan Modification in part because the mortgage loan is secured by a property that does not serve as her principal residenceAccording to FHA guidelines, only an owner occupied residence may be considered eligible for Loan Modification. Additionally, the response offers information regarding the Right to Appeal, but requires that the appeal be delivered in writing to: Nationwide Advantage Mortgage Company, ** *** *** *** *** ** *** not later than April 12, To this date, a formal appeal has not been received and the right to appeal has therefore expired. I am very sorry that I am unable to offer further assistance in this matter. Sincerely,Anne C*** *** *** ***
Dear Revdex.com: Thank you for your letter dated October 13, regarding the concerns raised by *** *** on behalf of La Casa de Don Pedro. This commercial general liability claim was received by *** *** of *** *** claims office on July 6,
Our insured, Priority Mechanical, was hired by La Casa de Don Pedro to install a new furnace at the home of *** ***This installation was completed in December 2014. The claim allegation is that our insured’s furnace install caused Ms*** central air conditioning to no longer work. This letter details the months of continued attempts to reach our insured via US mail, email, and telephone, with no success or responseBelow is our timeline of these attempts and our investigation. July 6 Telephone attempts were made to reach both our insured and La Casa, the same day the claim was received. July 7 Telephone attempts were made to both our insured and La CasaContact with our insured was also attempted through email. July 8 Telephone contact was made with *** *** with La Casa de Don PedroShe was able to provide a statement detailing the work that was requested of our insured in December 2014, and the specifics of the contract between La Casa de Don Pedro and our insured, Priority Mechanical. Ms*** alleged that our insured’s furnace install in December was related to and caused the homeowner’s air conditioner to not work in May Ms*** was unable to provide any specifics as to this allegation and correlationWe requested (and followed up with an email) that Ms*** send us photos of the homeowner’s furnace and air conditioner system and setup, as well as the contract with our insured, Priority Mechanical and La Casa de Don PedroThe homeowner’s contact information was also requested and providedOn that same day, the homeowner, Altagracia ***, was contacted and we obtained her statement to verify the facts of this loss and the allegations against our insuredMs*** did not know why her air conditioner was not working. July 20 Continued attempts were made to contact the insured by telephone and emailA letter was also sent by US mail in an attempt to reach the insuredAs the contact information on record was proving to be unsuccessful, internet searches were conductedAdditionally, a voicemail message was left for the insured’s insurance agent to obtain additional or correct contact information. Contact was made with the homeowner, *** ***, to request the opportunity to send an appraiser to inspect her heating/cooling system to determine what was wrong with itShe confirmed it had not yet been repairedWe also advised Ms*** on the current status of the claim, which included our need for our insured’s statement and to verify what caused her air conditioner failure and if our insured was liable for thisA follow up email was sent to Ms*** for the photos and contract that was previously requested. July 21 Pictures were received via email from La Casa de Don Pedro of the old furnace and the new furnace the insured installedI replied to Ms***’s email and advised on the status of my claim investigation, which was our need for our insured’s statement and to verify what caused Ms*** air conditioner failure and if our insured was liable for this. August 3 The appraiser indicated he was having difficulty reaching the homeowner to arrange the inspection. Ms*** was emailed and advised on the situation that the appraiser was trying to contact them so he could inspect their damages and prepare his report so a liability decision could be madeMs. *** was also advised that we had received her contract and bid information for our insured’s furnace installation. August 6 Continued attempts to contact our insured via US mail and email. August 7 Further searches for working telephone numbers and accurate address for our insured were unsuccessfulThe telephone numbers that were located were all wrong numbersAt one of the numbers, a woman advised that the insured no longer is in their building, but could not provide me any other information or contact information. A follow up call with the insured’s agent provided a different address and phone numbers for the insured in comparison to what we previously had on recordOne of the numbers did not work and one was the current number we were callingContinued internet searches were conducted to locate current phone numbers based on this new address, but we could not find a working number. Another contact letter was sent to our insured at the new address. August 11 A letter was sent to the homeowner advising that the appraiser has been unsuccessful in reaching herContinued searches were conducted for additional telephone numbers for our insured, but we could not find any working numbers. August 18 We requested a status update from our appraiser on his continued attempts to reach the homeowner to inspect her propertyOur appraiser responded advising he has made (5) telephone attempts and sent a letter via US mail to the homeowner with no response. August 24 Our appraiser advised he still has not heard from the homeownerWe contacted the homeowner; however we were unable to reach herWe called again on this day and spoke with the homeowner, advising her on our appraiser’s unsuccessful attempts at reaching herShe advised that we could have the appraiser come any day after 3:pmWe informed our appraiser of this and he advised he would go to the residence on August to inspect. August 25 A Reservation of Rights letter was sent to our insured regarding their lack of cooperation which could jeopardize potential coverage for this lossWe left a telephone voicemail message with our insured’s agent to advise them on the Reservation of Rights letter. August 26 The homeowner advised the appraiser that the air conditioner had been repaired and did not allow the appraiser to inspect the property or heating/cooling systemOur appraiser advised they would attempt to secure a copy of the air conditioner repairs invoice/report for us. August 31 We sent an email to Ms*** advising on the status of our investigation (which remained that we needed our insured’s statement and to verify if Ms*** air conditioner failure was caused by our insured) and requested a copy of the air conditioner repair report/invoice/work order and requested the information of who completed these repairs, as La Casa hired the repair company. We received an updated phone number for our insured from the insured’s agentWe then left a voicemail message requesting a return call from the insuredWe also sent our insured the approved Reservation of Rights letter through both regular US mail and certified US mail. September 9 We sent a follow up email to Ms*** on our prior request for documentation on the air conditioner repairAs we were unable to inspect the property and to reach our insured, we were looking for some information on the cause of the air conditioner failure to evaluate this claimWe also left another telephone voicemail message for the insured. September 10 We received the appraiser’s final report advising he was unable to complete the inspection at the homeowner’s residence and he was unable to secure the repair company’s informationWe also left a voice mail message for the insured stating the same. September 23 We attempted to reach our insured via telephone but there was no answer and the voicemail box was full. September 25 We received the requested air conditioner repair documents from Ms*** and advised her on the status of our claim investigationWe would need to review the repair documents to learn what was being alleged against our insured and obtain the insured’s statement in response to the allegations. In the documentation she sent, the repair company states that the air conditioner compressor was damaged due to a clogged evaporator coil, which they state was caused by an improper install of the furnaceThey allege that the bottom of the furnace was opened and never sealed. We attempted to reach the insured but the voicemail box was fullWe contacted the insured’s agent to obtain additional contact information, but she had none to shareShe advised that the insured no longer has a policy with them. October 9 We received an email from Ms*** advising that she would be filing a Revdex.com complaint as this claim was not resolved yet. October 12 We requested an investigator locate our insured for a face to face statement so verification of the facts of this loss and the allegations against our insured can be obtainedWe responded to Ms. ***’s email that she would be filing a Revdex.com complaint, advising on the current statusWe advised her that our insured has the right to answer the allegations being presented against them and we have a right to investigate this claim on their policyWe also advised that our insured’s lack of cooperation could be jeopardizing any potential coverage we may have for this lossWe advised her that we cannot prematurely settle or deny this claim without investigating it. As of the date of this letter, we have been unable to reach our insured, our investigator has been unable to locate our insured, and we have been unable to inspect the damages our insured is alleged to have caused, despite multiple attempts on our part. Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, *** *** ** *** or via email at ***. Sincerely, Donald RT*** Commercial Claim Manager *** *** Company of *** *** *** W ###-###-#### F (###-###-####
as the information indicates the insurer arbitrarily decided to send notices to the garage get location rather than the billing locationThere is a reason for providing vendors with billing addresses, it is to assure bills get paidYou can also see that payments were made each monthThere was not one moth where a payment was not madeAlthough there was some confusion generated by a rate change which was not indicated and billings of different amounts, payments were made each month as acknowledged by the insurer and evidenced by the documentsClearly there was absolutely no rationale for cancelling the insurance and placing the insured in jeopardy of liability and violation of law due to cancelation of insurance
Regards,
*** ***
I am writing in response to the complaint from *** *** regarding the NationwideFlexible Premium Variable Universal Life Insurance policy referenced aboveThis matter wasforwarded to Nationwide's Office of Compliance for review and handlingI appreciate yourpatience while we completed our
review.Our records indicate that policy # *** is a Nationwide Choicelife Protection FlexiblePremium Variable Universal Life Insurance policy that was issued on April 17, withinitial specified amount of $75,on the life o* *** ***This policy has an insurancecomponent and an investment component; howeverits primary intended purpose is to providelife insurance coverage until the maturity date stated in the contract.One of the most notable features of this policy is its premium flexibilityAfter payment of theMinimum Initial Premium, which is required in order to put the policy in force, payment ofadditional premiums is solely at the discretion of the policyholderRather than remaining inforce due to the timely payment of a fixed or scheduled premium, the policy remains in forcefor as long as there is enough Net Cash Surrender Value to pay the monthly charges (thisrepresents the cost of insurance, administrative charges and the cost of any riders).The policy is designed to provide flexibility in connection with premium payments, investmentoptions and death benefitsThe policy owner has the right to vary the frequency and amountof premium payments, to allocate net premiums among the various Separate Accounts orGuaranteed Account, to increase or decrease the death benefit, or to change the death benefitoption, according to policy provisionsThis is not a fixed premium life insurance contractTheaccount value of the policy is allocated to the sub-accounts selectedThe value of theunderlying sub-accounts fluctuate daily depending upon market performance and are notguaranteed.Our records indicate that this policy went into a "lapse pending" status in April A lapsenotice was mailed to MrAmstrong on April 17, informing him that unless sufficientpremium was received by June 17, 2016, the policy would terminateA reminder was thensent on May 17, and the final lapse notice was sent on June 23, Mr***chose to pay a monthly premium of $per month throughout the life of the policy leaving itwith insufficient value to cover the cost of insurance.Enclosed is a copy of the application (ExhibitA) for policy ***, and the policy itself(Exhibit B), given to Mr*** at issueEach of these documents contain disclosuresrelating to the nature of this policy, including that the policy values could increase or decreasein accordance with the investment experience of the Separate Accounts and may increase inaccordance with the Interest credited to the Guaranteed Account, as well as statements withregard to the cost of insurance in relation to policy cash value.After policy *** was issued, Mr*** had a period of days to review thepolicyWithin those days the policy could have been canceled with a refund of premium.In reviewing our records, we cannot find any information that would lead us to believe thatMr*** expressed any dissatisfaction with the policy during the examination period.In addition, since issuance of the policy, statements have been mailed to Mr*** on aquarterly and an annual basis indicating policy values, withdrawals, gains/losses, as well ascurrent surrender value.Based on our review, we feel that the terms and conditions of this policy were adequatelydisclosed to Mr*** at the time of purchase and find no basis to offer any type ofadjustment to policy ***If there is any other documentation you would like us toconsider, please forward it to my attention and we will review it thoroughly.We appreciate your patience in this matterShould you have any further questions or concerns,please feel free to contact me at ###-###-####.Sincerely,Jeremy W***
Good afternoon ***,Nationwide is in receipt of your inquiry dated February 10, regarding the above subject file May we have an extension for responding to this complaint? We are waiting for a copy of the proof of mailing for the notice of cancellation from another business
unit which may take several days We expect to have a completed response on, or before Wednesday February 22, We’ll make every attempt to have our response to you as soon as we can.An email reply to confirm your approval would be greatly appreciate.Thank you,*** ***Nationwide
This is in response to the follow up inquiry of December 16, 2016.The check was issued on December 7, and was cleared by our bank on December 13, 2016.With regards to the loss of use, we explained to *** *** on December 2, 2016, that we would accept 75% responsibility for the rentalShe indicated her vehicle was drivable, and would not need a rental until it was placed in for repairsWe contacted her again on December 21, 2016, and she both confirmed she had received the check, and that she had not scheduled the vehicle for repairs yetWe advised her to contact us when she has scheduled repairs, and we would arrange the rental.Should you require any further assistance in this matter, please contact our Customer Advocacy Coordinator, *** *** at ###-###-#### or via email at ***Sincerely, David ***
Our concern now is thisnow that Nationwide has agreed that *** actually did put our home back together incorrectly we feel that Nationwide should take over court proceedings that *** has brought against us We have had to hire an attorney and have so far paid him $to defend us for their own errors This again has been proven by nationwide Our next concern is the remainder of our home that can't be seen that *** has so called repaired such as all of the piping for water and gas According to nationwide these things are covered for years by them Will this still stand because these things can't be seen without tearing down walls?
Regards, *** ***